Podcasts about premiums

If you're approaching age 65, Medicare can feel overwhelming fast. Between Parts A, B, C, and D and the timing rules tied to each—it's easy to make a costly mistake if you don't understand how the pieces fit together. In this episode, I walk through the Medicare "alphabet," explaining what each part does, when enrollment matters most, and how your decisions interact with the rest of your retirement plan. We also cover common questions that come up when clients transition from employer-sponsored coverage to Medicare for the first time. Whether retirement is right around the corner or still a few years away, this episode is designed to help you avoid penalties, coverage gaps, and surprises down the road. You will want to hear this episode if you are interested in... [00:00] Understanding Medicare Parts A, B, C, and D [01:00] When you can delay Medicare without penalties [02:30] How late enrollment penalties actually work [06:00] Timing Medicare enrollment to avoid coverage gaps [07:30] What Medicare does—and does not—cover [10:00] Medicare Advantage vs. supplemental coverage [14:00] How state rules can affect your long-term options Why Medicare Timing Matters Medicare isn't just about what coverage you choose it's also about when you enroll. Missing key enrollment windows can trigger penalties that last for life, even if the mistake was unintentional. In this episode, I explain the rules around initial enrollment, special enrollment periods, and why employer coverage plays such a critical role in determining your options. Choosing Between Medicare Advantage and Supplemental Coverage Once you enroll in Parts A and B, you still need to decide how to fill the gaps. Medicare Advantage plans and Medigap policies take very different approaches to coverage, costs, and flexibility. I outline how these options compare, what tradeoffs to be aware of, and why the "best" choice depends heavily on your health, preferences, and where you live. Building Medicare Into Your Retirement Plan Medicare decisions don't exist in a vacuum. Premiums, out-of-pocket costs, and coverage choices all affect cash flow in retirement. In this episode, I explain how to think about Medicare as part of a larger retirement strategy, not just a healthcare decision—so your plan stays aligned as you transition out of the workforce. Resources Mentioned RetireWithRyan.com Medicare.gov Connect With Ryan Subscribe to the Retire With Ryan YouTube Channel Download my entire book for FREE  

Opposition leader Angus Taylor has unveiled his new-look front bench, promoting key allies and relegating backers of ousted Liberal leader Sussan Ley.Deputy Liberal Leader Jane Hume will become shadow minister for employment and industrial relations.Tim Wilson will become the shadow treasurer and Senator Jacinta Nampijimpa Price will be elevated back into shadow cabinet into the skills and training portfolio.Alex Hawke, Andrew Wallace, Paul Scarr and Melissa Price are among those to be dumped from the front-bench.A Perth court has heard a man charged with a terrorism offence over an alleged attack on an Invasion Day rally has "conspiratorial views".Liam Alexander Hall was charged after allegedly throwing a homemade bomb into a crowd - including engaging in a terrorist act.In court, his lawyer said he had a mental health condition, and was unwell.A suppression order was also lifted - allowing media to name Mr Hall.Private Health Insurance premiums will rise on average 4.41 per cent in April this year.Health Minister Mark Butler says the government agreed to the annual increase after asking insurers to resubmit their premium requests multiple times.This year's premium rise also reflects increasing health worker wage bills and the viability of private hospitals, following high profile hospital and unit closures in 2025.

Consumer says insurance premiums have dropped in Auckland- but there's not such good news for people in Wellington and Christchurch. Money correspondent Susan Edmunds has been looking into it and spoke to Ingrid Hipkiss.

Dom talks with Howard Moore, Keraplast CEO, about its quest to find wool accredited as 'Regenerative', for a new contract with farmers brokered by Wools of NZ, what products it produces using the keratin extracted from NZ wool and other products in the pipeline. Tune in daily for the latest and greatest REX rural content on your favourite streaming platform, visit rexonline.co.nz and follow us on Instagram, Facebook and LinkedIn for more.

Insurance premiums doubling… tripling… and companies still denying claims. Should you just self-insure and be done with it—or will that decision wreck your finances when disaster hits? In this episode of Farming Without the Bank, we dig into Chapter 8: Building Your Warehouse of Wealth and talk about what self-insuring really looks like using cash value life insurance, and where it absolutely does not make sense to go it alone.

Sign up for this year's edition of USDA Dairy Margin Coverage, Farm safety, Net Risk Management.

The Government has launched a review into soaring home insurance costs - to take place over a six-month period. This investigation comes as AA Insurance moves to pause new home insurance offers across the South Island. NZ Herald Wellington business editor Jenee Tibshraeny unpacked what we can expect from this deep dive. LISTEN ABOVESee omnystudio.com/listener for privacy information.

The Government has launched a review into soaring home insurance costs - to take place over a six-month period. This investigation comes as AA Insurance moves to pause new home insurance offers across the South Island. NZ Herald Wellington business editor Jenee Tibshraeny unpacked what we can expect from this deep dive. LISTEN ABOVESee omnystudio.com/listener for privacy information.

New data from Treasury shows home insurance premiums fell across all regions of the country in the last year, even in areas prone to weather-related risks. Climate change correspondent Kate Newton spoke to Ingrid Hipkiss.

The Insurance Bureau of Canada said natural disaster claims cost a record 8.5 billion dollars in 2024 due to the increased frequency and severity of weather-related losses. Now Canada's insurance sector is talking about the potential for the country to become uninsurable in 10 years, due to insufficient policy action on escalating climate disasters. Sue Big Oil is a campaign to pass along a share of the costs to the industry responsible for creating the crisis. We speak with Andrew Gage of West Coast Environmental Law.

Guest: Michael Toth. The segment focuses on California's strategy to empower the Attorney General to sue fossil fuel companies for rising insurance premiums. Toth argues these lawsuits are politically motivated and legally weak, noting that even insurance companies refuse to sue because attributing specific damages or deaths to corporate emissions is factually difficult.UNDATED

Florida's insurance market is unlike any other—and longtime Pensacola insurance expert Eddie Zarahn explains why.With over 50 years in the insurance industry, Eddie breaks down what's really happening behind rising premiums, disappearing carriers, roof age restrictions, and the growing gap between market value vs. replacement cost.In this in-depth conversation, we cover:Why Florida insurance is a “different animal”The real reason older roofs are being denied coverageReplacement cost vs. market value (and why most homeowners misunderstand it)Actual Cash Value vs. Replacement Cost policiesCommon homeowner and business insurance mistakesWhy underinsurance is more dangerous than no insuranceHow hurricanes, lawsuits, and maintenance issues impact coverageBusiness insurance gaps that can financially crush small businessesThe role of independent agencies vs. captive insurance companiesEddie also shares insights from decades of experience serving Pensacola and the Florida Panhandle, helping homeowners, contractors, churches, condos, and business owners navigate an increasingly complex insurance landscape.If you live in Florida—or own property or a business—this is a conversation you need to hear.

Out-of-Pocket is a healthcare education company founded by Nikhil Krishnan that helps people understand how healthcare works and how to navigate it in practice. In this episode, a16z investing partner Jay Rughani and Nikhil discuss why health insurance is losing its role as the default way people access care. They explain how rising costs are pushing more consumers to pay out of pocket for diagnostics, preventive care, and navigation. The conversation also looks at what this shift means for startups, AI-powered tools, regulation, and access as healthcare continues to move beyond insurance.Resources:Follow Jay Rughani on X:  https://twitter.com/JayRughaniFollow Nikhil Krishnan on X: https://twitter.com/nikillinitRead Out of Pocket's 2026 Predictions: https://www.outofpocket.health/p/out-of-pockets-2026-predictionsStay Updated:Find a16z on XFind a16z on LinkedInListen to the a16z Show on SpotifyListen to the a16z Show on Apple PodcastsPlease note that the content here is for informational purposes only; should NOT be taken as legal, business, tax, or investment advice or be used to evaluate any investment or security; and is not directed at any investors or potential investors in any a16z fund. a16z and its affiliates may maintain investments in the companies discussed. For more details please see a16z.com/disclosures.  Stay Updated:Find a16z on XFind a16z on LinkedInListen to the a16z Show on SpotifyListen to the a16z Show on Apple PodcastsFollow our host: https://twitter.com/eriktorenberg Please note that the content here is for informational purposes only; should NOT be taken as legal, business, tax, or investment advice or be used to evaluate any investment or security; and is not directed at any investors or potential investors in any a16z fund. a16z and its affiliates may maintain investments in the companies discussed. For more details please see a16z.com/disclosures. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Out-of-Pocket is a healthcare education company founded by Nikhil Krishnan that helps people understand how healthcare works and how to navigate it in practice. In this episode, a16z investing partner Jay Rughani and Nikhil discuss why health insurance is losing its role as the default way people access care. They explain how rising costs are pushing more consumers to pay out of pocket for diagnostics, preventive care, and navigation. The conversation also looks at what this shift means for startups, AI-powered tools, regulation, and access as healthcare continues to move beyond insurance. Resources:Follow Jay Rughani on X:  https://twitter.com/JayRughaniFollow Nikhil Krishnan on X: https://twitter.com/nikillinitRead Out of Pocket's 2026 Predictions: https://www.outofpocket.health/p/out-of-pockets-2026-predictions Stay Updated:If you enjoyed this episode, be sure to like, subscribe, and share with your friends!Find a16z on X: https://x.com/a16zFind a16z on LinkedIn: https://www.linkedin.com/company/a16zListen to the a16z Podcast on Spotify: https://open.spotify.com/show/5bC65RDvs3oxnLyqqvkUYXListen to the a16z Podcast on Apple Podcasts: https://podcasts.apple.com/us/podcast/a16z-podcast/id842818711Please note that the content here is for informational purposes only; should NOT be taken as legal, business, tax, or investment advice or be used to evaluate any investment or security; and is not directed at any investors or potential investors in any a16z fund. a16z and its affiliates may maintain investments in the companies discussed. For more details, please see http://a16z.com/disclosures Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Here's a shortened, tight one-paragraph summary:This episode of Living with Invisible Learning Challenges explores how rising health insurance premiums and government policy decisions affect everyone, while hitting neurodivergent individuals especially hard. Because many neurodivergent people rely on ongoing, specialized care, even small increases in premiums, deductibles, or cost-sharing can limit access to therapy, diagnoses, and mental health services. Drawing on research from KFF and the Center for American Progress, the episode highlights gaps in mental health parity, threats to Medicaid, and how policy choices directly shape who can afford essential care—underscoring the need for advocacy, informed decision-making, and community support.⁠https://linktr.ee/JenniferPTTS?utm_source=linktree_profile_share⁠Articles & Research Referenced (Links):Kaiser Family Foundation (KFF) – Effects of premiums and cost sharing on low-income populations:https://www.kff.org/report-section/the-effects-of-premiums-and-cost-sharing-on-low-income-populations-updated-review-of-research-findings-table-3/KFF / STAT – Health insurance premiums continue to rise:https://www.statnews.com/2025/10/22/health-insurance-premiums-up-6-percent-kff-reports/Center for American Progress – The Behavioral Health Care Affordability Problem:https://www.americanprogress.org/article/the-behavioral-health-care-affordability-problem/Commonwealth Fund – Behavioral health parity challenges:https://www.commonwealthfund.org/blog/2026/behavioral-health-parity-takes-step-backward-under-trump-administrationAmerican Bar Association – Weakening Medicaid and health equity:https://www.americanbar.org/groups/crsj/resources/human-rights/2025-october/weakening-medicaid-erodes-progress/Reuters / KFF Poll – Public support for extending ACA tax credits:https://www.reuters.com/sustainability/boards-policy-regulation/most-americans-back-extending-aca-tax-credits-kff-poll-shows-2025-10-03/

Pascal Wagner interviews Tony Davidow to unpack how institutional investors are thinking about private markets heading into 2026. Tony explains why recent headlines around private credit defaults are often misunderstood, breaking down the difference between CLOs, direct lending, and commercial real estate debt—and why he sees CRE debt, asset-based finance, and secondaries as early-cycle opportunities. The discussion dives into illiquidity as a feature (not a flaw), how institutions size long-term “patient capital,” and why diversified private market funds often outperform single-deal investing over time. Tony also shares his highest-conviction themes for 2026, including secondaries, industrial and multifamily real estate, and infrastructure tied to reshoring, digitization, and demographic shifts. Tony DavidowCurrent role: President, Alternatives, Franklin TempletonBased in: United StatesSay hi to them at: https://www.franklintempleton.com/ | LinkedIn Join us at Best Ever Conference 2026! Find more info at: https://www.besteverconference.com/  Join the Best Ever Community  The Best Ever Community is live and growing - and we want serious commercial real estate investors like you inside. It's free to join, but you must apply and meet the criteria.  Connect with top operators, LPs, GPs, and more, get real insights, and be part of a curated network built to help you grow. Apply now at⁠ ⁠⁠⁠www.bestevercommunity.com⁠⁠ Podcast production done by⁠ ⁠Outlier Audio⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

Silver Premiums In India Spike To $8 Over The Comex The chaos in the silver market continues as the premiums just surged higher in India. To find out more click to watch this video now! - Get access to Arcadia's Daily Gold and Silver updates here: https://goldandsilverdaily.substack.com/ - Join our free email list to be notified when a new video comes out: click here: https://arcadiaeconomics.com/email-signup/ - Follow Arcadia Economics on twitter at: https://x.com/ArcadiaEconomic - To get your copy of 'The Big Silver Short' (paperback or audio) go to: https://arcadiaeconomics.com/thebigsilvershort/ - #silver #silverprice #gold And remember to get outside and have some fun every once in a while!:) (URL0VD)Subscribe to Arcadia Economics on Soundwise

The insured felt like she did everything right. She insured the ring when she bought it, kept it scheduled on her policy, kept up with maintenance, and filed a claim right away when it was stolen. She even submitted the original appraisal for $22,000 so the insurance company would know how much to write on the check. So she was shocked when the insurance payout was only $14,000. Apparently diamonds are cheaper today, but she thinks: "shouldn't the appraisal lock in the cost?"   Notable Timestamps [ 00:45 ] - An insured may assume an appraisal amount guarantees payout, but jewelry claims often hinge on policy type and current replacement cost, not the dollar figure listed on the appraisal. [ 02:00 ] - Jewelry appraisals lack a single governing standard; credentials vary widely, making it critical for carriers to evaluate who prepared the appraisal and whether it meets insurer expectations. [ 04:20 ] - Premiums may be based on a scheduled value, yet replacement cost policies aim to restore the item itself, which can result in payouts lower or higher than the original appraisal. [ 06:10 ] - Clear communication from agents and adjusters about agreed value versus replacement cost policies can prevent frustration and disputes when a jewelry claim is settled. [ 08:10 ] - Replacement cost focuses on replicating the exact item—cut, color, clarity, and materials rather than paying the appraisal number, which can change with market conditions. [ 09:30 ] - It is the insured's responsibility to keep appraisals updated; insurers do not automatically adjust jewelry values for inflation or market shifts in metals and gemstones. [ 11:40 ] - Outdated or inflated appraisals can create claim friction, while modern update tools and reminders help carriers reduce underinsurance and improve customer satisfaction. [ 14:45 ] - Early education about policy limits, valuation methods, and appraisal updates builds trust, supports smoother claims handling, and leads to a more positive claims experience. [ 17:12 ] - Brennan summarizes the key points above. Your PLRB Resources CE Course: Jewelry Valuation & Adjustment - https://members.plrb.org/education/courses/jewelry-valuation-amp-adjustment Coverage Question: Agreed Value Settlement For Repair Of Jewelry - https://www.plrb.org/documents/wedding-ring-diamond-replaced-w-o-notifying-insurer-acv-for-original-ring-pcq-2009-10-08/?search=diamond%20value https://members.plrb.org/education/courses/a-deep-dive-into-a-premises-liability-claim-part-1 Employees of member companies also have access to a searchable legal database, hundreds of hours of video trainings, building code materials, weather data, and even the ability to have your coverage questions answered by our team of attorneys (https://www.plrb.org/ask-plrb/) at no additional charge to you or your company. Subscribe to this Podcast Your Podcast App - Please subscribe and rate us on your favorite podcast app YouTube - Please like and subscribe at @plrb LinkedIN - Please follow at "Property and Liability Resource Bureau" Send us your Scenario! Please reach out to us at 630-509-8704 with your scenario! This could be your "adjuster story" sharing a situation from your claims experience, or a burning question you would like the team to answer. In any case, please omit any personal information as we will anonymize your story before we share. Just reach out to scenario@plrb.org.  Legal Information The views and opinions expressed in this resource are those of the individual speaker and not necessarily those of the Property & Liability Resource Bureau (PLRB), its membership, or any organization with which the presenter is employed or affiliated. The information, ideas, and opinions are presented as information only and not as legal advice or offers of representation. Individual policy language and state laws vary, and listeners should rely on guidance from their companies and counsel as appropriate. Music: "Piece of Future" by Keyframe_Audio. Pixabay. Pixabay License. Font: Metropolis by Chris Simpson. SIL OFL 1.1. Icons: FontAwesome (SIL OFL 1.1) and Noun Project (royalty-free licenses purchased via subscription). Sound Effects: Pixabay (Pixabay License) and Freesound.org (CC0).

Californians have until January 31 to sign up for health insurance provided by Covered California, the state's Obamacare plan. Because Congress let health care tax credits expire, the cost of insurance has radically increased for many customers, and some are opting out of health insurance altogether. We'll hear how skyrocketing costs are affecting your healthcare decisions and take your questions. Guests: Jessica Altman, executive director, Covered California, the state health insurance exchange Cynthia Cox, senior vice-president, KFF, an independent source for health policy research, polls and news - Cox is also the director of KFF's Affordable Care Act Program Katelyn Jackson, executive director, Clinic by the Bay, a free medical clinic for uninsured patients Learn more about your ad choices. Visit megaphone.fm/adchoices

A Clare forester has described the over €2 million issued to forest owners in Clare as "pitiful". The payment has been issued under the annual income tax free forestry premium payments related to 4,840 hecatares of land across the county. In total, €23.5m has been paid out by the Government to more than 6,500 forest owners across the country. Darragh-based forester and former Ennis councillor, Brian Meaney, says in comparison to those received by beef and dairy farmers, the grants are piecemeal.

It's been nearly two weeks since lawmakers returned to Capitol Hill, and a possible health care compromise is still on the table to bring federal health care subsidies back.Last week, the House passed a bipartisan proposal that could extend the subsidies.In the meantime, health care premiums are soaring for many Americans — including right here in California.This Wednesday on Midday Edition, we hear about how rising health care premiums are impacting Californians and what you need to know if you're looking for coverage.Guests:Jessica Altman, executive director, Covered CaliforniaResources:Covered California main websiteFederal Changes to Your Health Insurance — Covered California

Watch The X22 Report On Video No videos found (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:17532056201798502,size:[0, 0],id:"ld-9437-3289"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs");pt> Click On Picture To See Larger PictureThe EU economy is imploding, Germany the power manufacturing company is falling apart and now companies are moving to Hungary. Trump built the tariff system to compete the [CB]. Trump has now started the narrative of why the Fed should not be controlling the US economy. DOJ has begun a criminal investigation, soon the Fed will be restructured into the Treasury. The [DS] is panicking, they are losing the chess match and they have no more move except one. Trump has now set the stage and the [DS] will follow the path to their destruction. The money supply is in the process of being shutdown, the [DS] is struggling, the countries they controlled are struggling. Soon Trump will have all the leverage and the enemy will be at it’s weakest point. Game Over. Economy (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:18510697282300316,size:[0, 0],id:"ld-8599-9832"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs"); https://twitter.com/WallStreetMav/status/2010625048856424506?s=20   countries. In the year 2023, Germany lost 123,000 manufacturing jobs. The trend has continued in 2024 and 2025. Lousy energy policy has consequences. https://twitter.com/RealPNavarro/status/2010480063091720266?s=20 https://twitter.com/RealPNavarro/status/2010480094662332678?s=20   factory jobs appear. https://twitter.com/Rasmussen_Poll/status/2010701202971935191?s=20 JUST IN: RINO Tillis Threatens to Block Fed Nominations Over Powell Criminal Investigation Federal investigators opened a criminal investigation into Fed Chairman Jerome Powell. Powell is under fire for the cost of renovating the Fed's DC headquarters. The cost ballooned from $1.9 billion to $2.5 billion. RINO Senator Thom Tillis is threatening to block any future Fed nominations over the Justice Department's federal criminal investigation into Fed Chair Jerome Powell. Source: thegatewaypundit.com FED Chairman Jerome Powell Attempts to Evade Legal Accountability by Hiding Behind His Office Regardless of how you feel about the Federal Reserve Board, I think we would all agree the construct of an autonomous central bank is outside the boundaries of our constitutional framework.  Factually, the Sea Island financial group set up the Federal Reserve as a system of control over the U.S. economy that was completely unnecessary.  . Last year facing ridiculous cost overruns, congress questioned Powell over the insane spending proposal by Powell for a new office building.  Chairman Powell characterized the construction changes that escalated the cost of the project from $1.9 billion to $2.5 billion as ‘minor modifications.'  That's $2.5 billions of taxpayer money. .[Transcript] – “Good evening. On Friday, the Department of Justice served the Federal Reserve with grand jury subpoenas, threatening a criminal indictment related to my testimony before the Senate Banking Committee last June. That testimony concerned in part a multi-year project to renovate historic Federal Reserve office buildings. I have deep respect for the rule of law and for accountability in our democracy. No one—certainly not the chair of the Federal Reserve—is above the law. But this unprecedented action should be seen in the broader context of the administration's threats and ongoing pressure. This new threat is not about my testimony last June or about the renovation of the Federal Reserve buildings. It is not about Congress's oversight role; the Fed through testimony and other public disclosures made every effort to keep Congress informed about the renovation project. Those are pretexts. The threat of criminal charges is a consequence of the Federal Reserve setting interest rates based on our best assessment of what will serve the public, rather than following the preferences of the President. This is about whether the Fed will be able to continue to set interest rates based on evidence and economic conditions—or whether instead monetary policy will be directed by political pressure or intimidation. I have served at the Federal Reserve under four administrations, Republicans and Democrats alike. In every case, I have carried out my duties without political fear or favor, focused solely on our mandate of price stability and maximum employment. Public service sometimes requires standing firm in the face of threats. I will continue to do the job the Senate confirmed me to do, with integrity and a commitment to serving the American people. Thank you.” Source:theconservativetreehouse.com Powell says criminal investigation by Trump's Justice Department threatens Fed's independence https://twitter.com/unseen1_unseen/status/2010547216906125721?s=20 https://twitter.com/jeffreytucker/status/2010520328389173522?s=20  would love to have been a fly on that wall, just listening in. Jerome caved. Now he is whining like a man-child that his supposed independence is being compromised by a threatened criminal indictment over a profligate building project. Historians will have a hard time making sense of this hilarity, including the faux-serious pose in this histrionic statement of pretend integrity. There is no place in a democracy for a secretive and all-controlling central bank. These conspirators are toast, if not now or tomorrow, then eventually. A peoples’ government needs a peoples’ money that people can own and control, and a banking system that is based on market competition, not a cartel of big shots. Sorry, Jerome, you showed your cards five years ago, revealing exactly who and what you serve, and that is not the American people. These are the end times for the Federal Reserve. https://twitter.com/julie_kelly2/status/2010771831658107044?s=20 https://twitter.com/julie_kelly2/status/2010761420082917557?s=20 Silver and Gold Hit New Highs on Fed Probe and Heightened Geopolitical Tensions   Gold and silver prices are climbing in response to concerns around geopolitical issues and policy independence at the Federal Reserve. Source: barrons.com    of Dollars! It would be a complete mess, and almost impossible for our Country to pay. Anybody who says that it can be quickly and easily done would be making a false, inaccurate, or totally misunderstood answer to this very large and complex question. It may not be possible but, if it were, it would be Dollars that would be so large that it would take many years to figure out what number we are talking about and even, who, when, and where, to pay. Remember, when America shines brightly, the World shines brightly. In other words, if the Supreme Court rules against the United States of America on this National Security bonanza, WE'RE SCREWED! PRESIDENT DONALD J. TRUMP Political/Rights  WBD is not just another studio. It is the home of HBO, DC Comics, the Harry Potter films, Game of Thrones, and one of the most important film archives in the world. Netflix itself boasts that the acquisition would combine Warner's “iconic franchises and storied libraries” with the world's largest streaming platform. If Netflix absorbs these assets, it will not just be the biggest streaming service. It will become the most dominant cultural gatekeeper the United States — and much of the world — has ever seen. Yet despite the obvious risks, WBD's leadership is pushing forward even though Paramount Skydance has launched an all-cash tender offer of $30 per share for the entire company — a bid that implies significantly higher value for shareholders than Netflix's offer.  At the same time, merging WBD's vast film and television library into Netflix would weaken competition in both streaming and content markets and concentrate cultural power in ways fundamentally at odds with the diversity of voices a free nation needs to survive. On these grounds alone, this merger should be stopped. Handing this machine control over Warner's franchises and future output would allow one company to rewrite characters, retell history, redefine social norms, and control which ideas reach audiences. Majority Of North Carolina Trucking Licenses Issued To Foreigners Are Illegal: Duffy A review of non-domiciled commercial driver's licenses (CDLs) granted in North Carolina found that 54 percent were issued illegally, the Department of Transportation (DOT) said in a statement on Jan. 8. The review was conducted by the Federal Motor Carrier Safety Administration (FMCSA) and is part of its ongoing nationwide audit of trucking licensing systems, the department said. DOT warned that if North Carolina does not “fix their serious failures” and revoke licenses issued illegally to foreign nationals, the department will withhold almost $50 million in federal funding. Source: zerohedge.com DOT Strips California Of $160 Million Over Foreign Truckers A showdown between the U.S. Department of Transportation and the State of California reached a breaking point on Wednesday after Transportation Secretary Sean Duffy announced the Federal Motor Carrier Safety Administration will withhold approximately $160 million in safety program money from the state. The move follows California's failure to meet a January 5 deadline to cancel more than 17,000 commercial truck driver's licenses that Duffy asserts were unlawfully issued by the state to foreign truckers. The California Department of Motor Vehicles announced in late December that it would delay the cancellation until March 6, but FMCSA did not agree to the extension. The $160 million penalty marks the first year of potential sanctions. Under federal law, if California continues to defy the FMCSA's Final Determination, the amount withheld could double in the second year. Source: zerohedge.com DOGE Yes, Dina Powell McCormick worked in the Trump administration. She served as the United States Deputy National Security Advisor for Strategy from 2017 to 2018 . She also held the role of Senior Advisor to the President for Entrepreneurship, Economic Growth, and the Empowerment of Women starting in January 2017 . For context, the Truth Social post you linked is Trump congratulating her on her new role as President and Vice Chairman of Meta (announced today, January 12, 2026)  1104 Q !xowAT4Z3VQ ID: 28003e No.967331 Apr 9 2018 12:09:25 (EST) Anonymous ID: db2d29 No.967224 Apr 9 2018 12:02:45 (EST) >>967123 YOU are being TRACKED. NO FB account required. WTF? Is it embedded in Android OS? This is BIGGER than you think. Agencies attached. Q >>967224 Think ‘Bridge’. GOOG. FB. TWITTER. IG. ‘Central’ algorithm. The stage had to be set. Q Geopolitical  U.K Asks Germany and France, EU NATO, to Support Expanded Presence in Greenland  President Trump wins again. Seriously folks, you would think that after all this time the Europeans would finally understand how President Trump manipulates the media cycle and gets them to do exactly what he wants – while they and the majority of their constituents think it's exactly the opposite.  This stuff is just too funny now. According to European media outlets, British Prime Minister Keir Starmer is in discussions with Germany and France to send a NATO alliance to Greenland to establish a stronger NATO military footprint. {LINK} The media present this, hilariously, as if European NATO is going to defend Greenland against President Trump and the USA military. {{INSERT SEVERAL LAUGHING EMOJIS HERE}} I mean, think about it rationally. The U.K, France and Germany are unwilling to send troops into Ukraine without the protection of the U.S. military.  But somehow, for some reason, the U.K, France and Germany are going to send troops to Greenland to defend against the U.S. military. The narrative sounds silly when put into context, right? So, President Trump starts talking about the U.S. taking aggressive unilateral action to secure Greenland as a strategic national security matter.  Suddenly, ‘Voila!' European NATO, under the auspices of defending their Denmark democracy, wakes up and says, ‘No, wait, you can't just take Greenland, that's bad.'  Then they assemble urgent talks to send EU NATO military resources to Greenland.  Exactly what President Trump has been requesting to formerly deaf ears. See how that works?  Source: theconservativetreehouse.com https://twitter.com/thestinkeye/status/2010481974985560110?s=20  notes… JSOC   Step 4: seize narrative and news cycles for a week or two while all the large accounts get their marching orders and post the same stuff over and over. The EU threatens to mobilize to “protect Greenland” and quietly discovers they cannot project meaningful power outside their continent without the US. Step 5: DJT walks back the outrageous solution (invasion) to the somewhat radical solution (purchase). The big accounts feel like they matter, the little accounts feel like the have been heard. DJT gets what he wanted all along, and Denmark gets a pile of money to fritter away buying votes with socialist BS. https://twitter.com/amuse/status/2010567080802738660?s=20 https://twitter.com/MarioNawfal/status/2010739799477354900?s=20 systemic instability. https://twitter.com/sentdefender/status/2010605925342597449?s=20   Guard Corps (IRGC). https://twitter.com/RapidResponse47/status/2010532329303965733?s=20  Venezuela’s leader was a fugitive from US law enforcement and not a legitimate head of state, according to 60 different countries. He was apprehended, and Venezuela’s remaining leaders were asked to cooperate with US expectations. Greenland is likely to negotiate a compact of free association with the US and receive financial assistance, while maintaining self-governance, in exchange for military protection. Cuba is in rapid decline due to a loss of support from Venezuela (and other factors). China and Russia could offer assistance, but at considerable risk. Trump can wait and watch Cuba self-destruct, then come in and offer assistance to the Cuban people if and when they ask. Iran is in a similar situation to Cuba: a nation in rapid decline, with massive risk for Trump if he intervenes too quickly. The likely play there is to wait for the Ayatollah to flee. There would be no finger-pointing about “regime change” if the Islamic regime collapses on its own. Then, the US could offer assistance as an interim government is established. War/Peace https://twitter.com/WallStreetMav/status/2010435240079319153?s=20  specifically exclude any NATO troops from ever being put into Ukraine. All of these steps are designed to specifically undermine President Trump’s efforts at peace between Ukraine and Russia. The warmongers in Europe are determined to keep the war going as long as possible. They need to distract their voters with enemies so they don’t realize how Europe is collapsing economically and culturally. The European “leaders” desperately need enemies like Trump and Putin in order to point the finger and cast blame while things get worse in their own countries. Blame external forces, not their own policies. North Korean Hackers Using QR Codes to Steal Sensitive Information: FBI  North Korean state-sponsored cyber threat group Kimsuky is targeting American entities via a QR code scheme that can compromise sensitive information, the FBI said in a Jan. 8 alert. “As of 2025, Kimsuky actors have targeted think tanks, academic institutions, and both U.S. and foreign government entities with embedded malicious Quick Response (QR) codes in spearphishing campaigns,” the FBI stated. “This type of spearphishing attack is referred to as Quishing.” “Quishing (QR Code Phishing) is a phishing technique in which adversaries embed malicious URLs inside QR codes to force victims to pivot from their corporate endpoint to a mobile device, bypassing traditional email security controls.” In quishing campaigns, threat actors send QR images to targets as email attachments or embedded graphics, which typically evade URL inspection mechanisms. When targets scan the QR code, they are routed via redirectors to webpages that harvest their credentials. Such webpages impersonate Microsoft 365, Okta, or VPN portals. These operations typically end with hackers bypassing multifactor authentication (MFA) and hijacking cloud identities without triggering the usual “MFA failed” alerts. They can then establish persistence in the organizations' networks and use the compromised mailboxes to carry out further hacking operations, the agency warned. The FBI recommended that organizations adopt a multilayered security strategy to tackle the unique risks posed by QR hacking schemes. Source:  americafirstreport.com  https://twitter.com/disclosetv/status/2010464207192371542?s=20 Medical/False Flags Cancer Drugs Drive Nearly One-Fifth Of Pharma Sales  The global pharmaceutical industry’s revenue is increasingly concentrated in a handful of high-value drug classes, with oncology, diabetes/obesity treatments and immunology leading the charge. As Statista’s Tristan Gaudiat details below, according to estimates from Statista Market Insights, cancer drugs alone generated over $217 billion last year, making oncology the largest therapeutic segment, driving nearly one-fifth (18 percent) of all pharmaceutical sales. You will find more infographics at Statista Antidiabetic medicines rank second, with estimated sales of over $85 billion in 2025, contributing 7 percent to global market revenues. Source: zerohedge.com   then Premiums will FALL, by 50% or more, for most people. I want to go back to the three year window where you can get in there for ObamaCare where you won't pay as much. Don't expand ObamaCare. Congress must make Trump Rules permanent. These were President Trump's 2018 Short Term Plans Rule that President Obama terminated. All Congress has to do is say, ‘Look, the Short Term Plans can last up to 36 months, your Insurer can sell you a Renewal Guarantee so it can last even beyond that period, and you will get lower priced Insurance, better Insurance, Longer Term Insurance and, it doesn't cost Taxpayers a dime or, it won't destabilize ObamaCare.' Much simpler than what President Trump's advisers are selling him, much better to assuage the fears of nervous Democrats, because we had these Rules in place for six years, and ObamaCare did not crater. Subsidies will not solve this problem. Government should be capping what it spends on Healthcare at ZERO. Send them a check. No need for subsidies. Congress has to get out of the way of Private Insurance Companies. Give the money to the Consumers to buy directly from the Health Insurance Companies.” [DS] Agenda https://twitter.com/ElectionWiz/status/2010347486783693056?s=20 https://twitter.com/WarClandestine/status/2010445777676673233?s=20 https://twitter.com/RealAbs1776/status/2010549397969350845?s=20 https://twitter.com/amuse/status/2010554642107675018?s=20 https://twitter.com/DHSgov/status/2010362097562013779?s=20 https://twitter.com/RapidResponse47/status/2010540542220726775?s=20 https://twitter.com/disclosetv/status/2010537739767238962?s=20 https://twitter.com/TheStormRedux/status/2010374476819472477?s=20   dozens and dozens of those individuals to justice already. We're gonna keep hundreds of HSI officers there to continue to protect those children. Every day we get another individual that was sexual assault against a child. Sodomy against a child. I can't believe that the mayor and governor can defend allowing those people to go out there and victimize more of our children and grandchildren.” Infuriating. When see you see these dumbass leftists protesting in the streets, just know that they are out there protecting pedophiles. At this point, how can anyone claim that the Democrats are the “good guys”? https://twitter.com/AGPamBondi/status/2010755631972577560?s=20   rammed a Border Patrol vehicle, threatening the lives of federal law enforcement officers. He should NEVER have been in our country to begin with, and we will ensure he NEVER walks free in America again. President Trump's Plan https://twitter.com/amuse/status/2010487811732840449?s=20  A federal grand jury voted to indict the former FBI Director on two felony counts — and then three federal judges unraveled that indictment through conjecture, media narratives, personalized attacks on the United States Attorney, and procedural anomalies that have no precedent in federal criminal practice. https://twitter.com/RealSLokhova/status/2010247488826175976?s=20 https://twitter.com/realJeremyCarl/status/2010710384769151325?s=20 (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:13499335648425062,size:[0, 0],id:"ld-7164-1323"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="//cdn2.customads.co/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs");

Silver Market Tightens: Record U.S. FUN Coin Show Crowds Meet East Asian Physical Silver Demand  From record crowds at the FUN Coin Show to rising demand across China and Asia, silver markets are tightening as retail and industrial buyers compete. Silver had a busy week — and the signals are getting harder to ignore. From record-breaking crowds at the FUN Coin Show in Florida to silver bullion selling out in minutes across Japan and months-long waitlists in Singapore, physical demand is tightening worldwide. At the same time, China's growing grip on global silver refining and new export controls are quietly reshaping supply chains that industries can't function without. Premiums in Asia and shrinking inventories in the West suggest this isn't just a paper-market move, but a real-world squeeze forming across hemispheres. Listen to hear how these forces are converging — and why silver's role as a strategic metal may be entering a new chapter.

What's new in 2026? Toni King explains. Toni's new Medicare Survival Guide Advanced Edition book is available now - pick up your copy at www.tonisays.com Download your Free Guide: How Do I Enroll in Medicare? https://tonisays.com/free-download-how-to-enroll/ Remember - with Medicare it's what you don't know that will hurt you! There's so much good information in this podcast, please be sure to share this podcast with your friends! Recognized by feedspot.com as one of the best Medicare Podcasts in the nation! Write Toni - info@tonisays.com. Toni's book is available at www.seniorresource.com and https://tonisays.com You can call Toni at 832-519-8664 Toni welcomes all Medicare questions. Toni now offers informative Medicare Webinars for all of your Medicare needs at https://tonisays.com You can find Medicare Moments wherever you find your favorite podcasts, such as: Apple: https://apple.co/44MoguG Spotify: https://open.spotify.com/show/7c82BS4hb145GiVYfnIRsoAmazon Music: https://music.amazon.com/podcasts/884c1f46-9905-4b29-a97a-1a164c97546b/medicare-moments?refMarker=null You can find Medicare Moments at: https://podcasts.seniorresource.com/medicare-moments/ Toni's new book: Maze of Medicare is now available at www.tonisays.com Combining Scripture with Medicare, it is the only book of its kind. Toni's columns appear weekly in about 100 newspapers across America. If you would like Toni's column to appear in your local paper, or if you would like Toni to speak at an event - contact Toni King at 832-519-8664 Thank you for listening and be sure to tell your friends about Medicare Moments! Blessings! Toni KingSee omnystudio.com/listener for privacy information.

Landlord insurance premiums are rising fast in many markets across the U.S., and if you're not careful, this expense could be a dealbreaker on your next rental property. Fortunately, we know an expert on this topic, and in this episode, he'll help you navigate these challenges so you buy the right policy without sacrificing your cash flow! Welcome back to the Real Estate Rookie podcast! Today, we're joined by Darren Nix, CEO of Steadily, to discuss all things rental property insurance. Why are premiums skyrocketing in the first place, and more importantly, is there anything you can do about it? As you're about to find out, yes! Darren shares all kinds of tips and strategies you can use to keep costs under control, all while getting the coverage you need. Stay tuned as he shows you how to estimate insurance costs when analyzing deals, which types of coverages you need for your property (and which are optional), and how to choose a real estate market that has reasonable premiums. Whether you're insuring your first or fifth property, these tips could help you save thousands on landlord insurance, and better yet, give you peace of mind that you're covered in a worst-case scenario! In This Episode We Cover Tips, tricks, and strategies that will help minimize your insurance costs The number one issue currently driving up landlord insurance premiums How to accurately estimate insurance when analyzing rental properties The types of rental properties that (usually) have the lowest insurance costs How to pick a real estate market with more affordable insurance When to pair your landlord policy with an umbrella policy for additional coverage Which real estate markets are most likely to become “uninsurable” And So Much More! Check out more resources from this show on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BiggerPockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.biggerpockets.com/blog/rookie-663 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠advertise@biggerpockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.  Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, we ask: Would you like the option to add an extra bedroom or bathroom to your house? Would you like a blueprint for maximizing your policy's potential? Would you like to hear Episode 142? What is the minimum annual premium due on the PUA rider? What happens to the paid up additions...

Key Takeaways: Tax-Efficient Income Options: Certain types of bonds may become more attractive again because they can offer income with lower taxes, especially as new financial tools continue to develop. Qualified Dividends: These dividends are taxed at lower rates than regular dividends, which can help investors keep more of what they earn. Invest Wisely: It's important to follow the rule, “Don't invest in what you don't understand,” so you always know exactly where your money is going. Option Premium Strategies: These strategies can offer strong returns, and the taxes usually aren't due until you sell the investment, making them useful for long-term planning. Work With Experts: A trusted financial advisory team can help you make informed decisions and stay aligned with your long-term financial goals. Chapters: Timestamp Summary 0:00 Understanding Tax Efficient Yield Producing Assets 2:17 The Future of Municipal Bonds and Bitcoin-Backed Credit 6:50 Understanding Qualified Dividends and Their Tax Implications 8:37 Exploring Option Premium Strategies and Tax Implications 12:47 Reflecting on a Year of Wealth Building and Nerdy Fun   Powered by ReiffMartin CPA and Stone Hill Wealth Management   Social Media Handles    Follow Phillip Washington, Jr. on Instagram (@askphillip)   Subscribe to Wealth Building Made Simple newsletter https://www.wealthbuildingmadesimple.us/   Ready to turn your investing dreams into reality? Our "Wealth Building Made Simple" premium newsletter is your secret weapon. We break down investing in a way that's easy to understand, even if you're just starting out. Learn the tricks the wealthy use, discover exciting opportunities, and start building the future YOU want. Sign up now, and let's make those dreams happen!   WBMS Premium Subscription   Phillip Washington, Jr. is a registered investment adviser. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and, unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance.

77WABC News Hour Weekend Edition with Liz Rattoballi for 1-2-26 Learn more about your ad choices. Visit megaphone.fm/adchoices

Enhanced subsidies for health insurance policies on the Affordable Care Act exchanges are set to expire at the end of today. That means skyrocketing premiums for some Obamacare enrollees. Premiums are expected to more than double, according to the nonpartisan health research organization KFF, and some healthier people are expected to drop their insurance. Plus, 2025 was the year that generative AI exploded, divided, and created trust issues. We'll take a look back.

Enhanced subsidies for health insurance policies on the Affordable Care Act exchanges are set to expire at the end of today. That means skyrocketing premiums for some Obamacare enrollees. Premiums are expected to more than double, according to the nonpartisan health research organization KFF, and some healthier people are expected to drop their insurance. Plus, 2025 was the year that generative AI exploded, divided, and created trust issues. We'll take a look back.

Ban Blindspot: Gaming's Gaping Gap in the Great Aussie Online Clampdown.  Paddles, Premiums and Publicity: Tesla Takes a Swing at Pickleball.  Blood, Bands and Behaviour: How Whoop Is Blending Wearables with Wellness.  Mickey Meets Machines: Disney Dances with Generative AI.  Wrist Wizards and Wayward Wings: DJI's Drone Takes Orders from Your Watch.  Carbon Strings, Classic Soul: Printing the Future of the Cello.  Hallucinations on the Help Desk: Librarians vs Lying Language Models.  Weighty Wants: When Cable Control Costs a Pretty Penny.  Rolling with the Wind: The Tumbleweed Tech That Travels Further on Less Power. 

Silver and Platinum Surge as Chinese Price Premiums Gap Up Silver just blasted to a new all-time high weekly close above $79 per oz, while gold quietly set its own record above $4,500 per oz, all during what should have been a sleepy holiday week. The real story is coming out of China, where silver prices on the Shanghai Gold Exchange (SGE) and the Shanghai Futures Exchange (SHFE) surged far above Western spot levels, signaling real physical tightness and rising demand. This wasn't paper trading noise — shrinking inventories, rising Eastern premiums, and collapsing ratios suggest silver is finally stretching its legs. Gold making new highs while silver accelerates faster is a rare and powerful setup precious-metals watchers love to see. Watch the video for a friendly, plain-English recap of everything that moved gold and silver over the past week and why it matters heading into 2026.  

Our Chief Cross-Asset Strategist Serena Tang discusses how current market conditions are challenging traditional investment strategies and what that means for asset allocation.Read more insights from Morgan Stanley.----- Transcript -----Welcome to Thoughts on the Market. I'm Serena Tang, Morgan Stanley's Chief Cross-Asset Strategist.Today – does the 60/40 portfolio still make sense, and what can investors expect from long-term market returns?It's Monday, December 22nd at 10am in New York.Global equities have rallied by more than 35 percent from lows made in April. And U.S. high grade fixed income has seen the last 12 months' returns reach 5 percent, above the averages over the last 10 years. This raises important questions about future returns and how investors might want to adapt their portfolios.Now, our work shows that long-run expected returns for equities are lower than in previous decades, while fixed income – think government bonds and corporate bonds – still offers relatively elevated returns, thanks to higher yields.Let's put some numbers to it. Over the next decade, we project global equities to deliver an annualized return of nearly 7 percent, with the S&P 500 just behind at 6.8 percent. European and Japanese equities stand out, potentially returning about 8 percent. Emerging markets, however, lag at just about 4 percent. On the bond side, we think U.S. Treasuries with a 10-year maturity will return nearly 5 percent per year, German Bunds nearly 4 [percent], and Japanese government bonds nearly 2 [percent]. They may sound low, but it's all above their long-run averages.But here's where it gets interesting. The extra return you get for taking on risk – what we call the risk premium – has compressed across the board. In the U.S., the equity risk premium is just 2 percent. And for emerging markets, it's actually negative at around -1 percent. In very plain terms, investors aren't being paid as much for taking on risk as they used to be.Now, why is this the case? It's because valuations are rich, especially in the U.S. But we also need to put these valuations in context. Yes, the S&P 500's cyclically adjusted price-to-earnings ratio is near the highest level since the dotcom bubble. But the quality of the S&P 500 has improved dramatically over the past few decades. Companies are more profitable, and free cash flow -- money left after expenses -- is almost three times higher than it was in 2000. So, while valuations are rich, there's some justification for it.The lower risk premiums for stocks and credits, regardless of whether we think they are justified or not, has very interesting read across for investors' multi-asset portfolios. The efficient frontier – meaning the best possible return for any given level of portfolio risk – has shifted. It's now flatter and lower than in previous years. So, it means taking on more risk in a portfolio right now won't necessarily boost returns as much as before.Now, let's turn our attention to the classic 60/40 portfolio – the mix of 60 percent stocks and 40 percent bonds that's been a staple strategy for generations. After a tough 2022, this strategy has bounced back, delivering above-average returns for three years in a row. Looking ahead, though, we expect only around 6 percent annual returns for a 60/40 portfolio over the next decade versus around 9 percent average return historically. Importantly though, advances in AI could keep stocks and bonds moving more in sync than they used to be. If that happens, investors might benefit from increasing their equity allocation beyond the traditional 60/40 split.Either way, it's important to realize that the optimal mix of stocks and bonds is not static and should be revisited as market dynamics evolve.In a world where risk assets feel expensive and the old rules don't quite fit, it's essential to understand how risk, return, and correlation work together. This will help you navigate the next decade. The 60/40 portfolio isn't dead – and optimal multi-asset allocation weights are evolving. And so should you.Thanks for listening. If you enjoy the show, please leave us a review wherever you listen and share Thoughts on the Market with a friend or colleague today.

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.

December 20, 2025; 8am: Members of Congress are officially heading home for the holidays without a deal to extend federal health care subsidies. And now millions of Americans will see a spike in their health care costs as the Affordable Care Act subsidies are set to expire. Former Census Bureau employee Jeremy Koulish is one of the millions of Americans who will feel that impact after the Trump Administration cut his job. He joins “The Weekend” to share how he's going to afford the $15,000 increase. For more, follow us on social media:Bluesky: @theweekendmsnow.bsky.socialInstagram: @theweekendmsnowTikTok: @theweekendmsnow To listen to this show and other MS podcasts without ads, sign up for MS NOW Premium on Apple Podcasts. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Joe's Premium Subscription: www.standardgrain.comGrain Markets and Other Stuff Links —Apple PodcastsSpotifyTikTokYouTubeFutures and options trading involves risk of loss and is not suitable for everyone.

School property taxes are up across Wisconsin. A new study finds December saw the largest increase in decades. And Tuesday saw striking testimony in the trial of Milwaukee Judge Hannah Dugan.

Joe Sudbay fills in for John who is under the weather. He discusses the Department of Defense escalating their vindictive review of Senator Mark Kelly for his part in the "Illegal Orders" video. He also talks about Senators in both parties who are now bracing for another government shutdown next year after Republicans blocked a proposal to extend expiring health insurance subsidies, the issue that triggered the 43-day closure that consumed much of the fall calendar. Next, he speaks with David Nir who is publisher of The Downballot, a substack devoted to competitive races across the country. Their data guides and weekly podcast are essential even in off-years. And finally, Joe talks with Zachary Mueller who is the former Senior Research Director at America's Voice and now devotes his efforts to combatting the threat of an ascendant radical right, particularly focused on the pipeline from nativist-populist politics to an authoritarian regime. That includes guiding everyday Americans in helping their neighbors against ICE and CBP raids.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

This week, Kristin and I break down the kind of healthcare headline that makes you want to scream into a pillow: premiums going up while subsidies disappear. Love that for us. We talk about why insurance always seems to be “oops, more expensive now!” and why families in the middle always get squeezed the hardest. But then we pivot to the good news, we got fact-checked by an actual biochemist. And honestly? It made my whole week. Thanks to Liz the Biochemist, we learned why carbon monoxide fits into hemoglobin like a kid sticking his head in a staircase, how hyperbaric chambers basically smash oxygen into you, why cyanide is just one big evolutionary oopsie, and whether iron infusions taste like sucking on a hammer. Takeaways: Carbon Monoxide vs. Hemoglobin: Why CO binds like it's auditioning for a soulmate movie while oxygen's stuck at an awkward angle. Cyanide Mysteries: The wild truth about where cyanide actually comes from (hint: it's not a plant… it's your couch). Hyperbaric Chamber Reality Check:– Why “more oxygen” is literally just physics bullying your tissues. Health Insurance Headache: Rising premiums + disappearing subsidies = horrible math no one wants to do. Biochemist to the Rescue: Liz the Biochemist corrects us with the perfect mix of clarity, humor, and “oopsie.” — To Get Tickets to Wife & Death: You can visit Glaucomflecken.com/live  We want to hear YOUR stories (and medical puns)! Shoot us an email and say hi! knockknockhi@human-content.com Can't get enough of us? Shucks. You can support the show on Patreon for early episode access, exclusive bonus shows, livestream hangouts, and much more! –⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ http://www.patreon.com/glaucomflecken⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠  Also, be sure to check out the newsletter: https://glaucomflecken.com/glauc-to-me/ If you are interested in buying a book from one of our guests, check them all out here: https://www.amazon.com/shop/dr.glaucomflecken If you want more information on models I use: Anatomy Warehouse provides for the best, crafting custom anatomical products, medical simulation kits and presentation models that create a lasting educational impact.  For more information go to Anatomy Warehouse DOT com. Link: https://anatomywarehouse.com/?aff=14 Plus for 15% off use code: Glaucomflecken15 -- A friendly reminder from the G's and Tarsus: If you want to learn more about Demodex Blepharitis, making an appointment with your eye doctor for an eyelid exam can help you know for sure. Visit ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://www.EyelidCheck.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for more information.  Today's episode is brought to you by Microsoft Dragon Copilot. Dragon Copilot is an AI clinical assistant that streamlines documentation, surfaces critical information, and automates routine tasks — empowering healthcare teams to focus more on patients and less on administrative work. Learn more at ⁠https://glau.cc/Dragon Produced by⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Human Content⁠⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

Another Gameweek, another decent return from the growing group of midfielders who are hitting form all at the same time

ACA subsidies are expiring, and premiums are exploding. A West Virginia woman's story reveals how GOP obstruction turns ideology into suffering and preventable deaths.Subscribe to our Newsletter:https://politicsdoneright.com/newsletterPurchase our Books: As I See It: https://amzn.to/3XpvW5o How To Make AmericaUtopia: https://amzn.to/3VKVFnG It's Worth It: https://amzn.to/3VFByXP Lose Weight And BeFit Now: https://amzn.to/3xiQK3K Tribulations of anAfro-Latino Caribbean man: https://amzn.to/4c09rbE

With enhanced Affordable Care Act (ACA) subsidies set to expire at the end of the year, House Speaker Mike Johnson has introduced a late-stage Republican healthcare package that notably does not extend the ACA tax credits created during the Covid-19 pandemic. Those subsidies have been critical to stabilizing enrollment and keeping coverage affordable for lower- and middle-income families. SPONSOR: AURA Frames: Exclusive $35 off Carver Mat at https://on.auraframes.com/FIVEMIN. Promo Code FIVEMIN Independent media has never been more important. Please support this channel by subscribing here: https://www.youtube.com/channel/UCkbwLFZhawBqK2b9gW08z3g?sub_confirmation=1 Join this channel with a membership for exclusive early access and bonus content: https://www.youtube.com/channel/UCkbwLFZhawBqK2b9gW08z3g/join Buy Anthony's microphone: https://kellards.com/products/electro-voice-re20-broadcast-announcer-microphone-black-bundle-with-mic-shockmount-broadcast-arm Buy Anthony's black t'shirt: https://www.uniqlo.com/us/en/products/E455365-000/00?colorDisplayCode=09 Five Minute News is an Evergreen Podcast, covering politics, inequality, health and climate - delivering independent, unbiased and essential news for the US and across the world. Visit us online at http://www.fiveminute.news Follow us on Bluesky https://bsky.app/profile/fiveminutenews.bsky.social Follow us on Instagram http://instagram.com/fiveminnews Support us on Patreon http://www.patreon.com/fiveminutenews You can subscribe to Five Minute News with your preferred podcast app, ask your smart speaker, or enable Five Minute News as your Amazon Alexa Flash Briefing skill. CONTENT DISCLAIMER The views and opinions expressed on this channel are those of the guests and authors and do not necessarily reflect the official policy or position of Anthony Davis or Five Minute News LLC. Any content provided by our hosts, guests or authors are of their opinion and are not intended to malign any religion, ethnic group, club, organization, company, individual or anyone or anything, in line with the First Amendment right to free and protected speech. Learn more about your ad choices. Visit megaphone.fm/adchoices

The Senate rejects health care bills as premiums are set to spike for millions next month. Then, new reporting on the White House preparing to seize more oil tankers off the coast of Venezuela. Plus, Disney's deal with OpenAI, and what it could mean for the future of media and artificial intelligence. Peter Baker, David Drucker, Julie Rovner, Brian Barrett, Max Chafkin, Rep. Jake Auchincloss, and Rabbi Marc Schneier join The 11th Hour this Thursday night. To listen to this show and other MS podcasts without ads, sign up for MS NOW Premium on Apple Podcasts. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Today's Headlines: Donald Trump had a not-so-stellar day yesterday. First, Indiana's GOP-controlled state senate actually stood up to him and rejected his pressure campaign to pass a wildly gerrymandered congressional map. So instead of all nine districts going red, only seven will — proving that sometimes his bullying doesn't work (shocking, I know). Then Congress did its favorite thing: nothing helpful. Both parties tanked bills that would've extended Obamacare subsidies, meaning everyone's insurance premiums are about to skyrocket.  Over in the House, Homeland Security Secretary Kristi Noem got grilled during the annual “worldwide threats” hearing — mostly about immigration and the administration's messy due-process violations. She even denied ICE had detained veterans… until a deported veteran showed up…on zoom. Meanwhile, a federal judge ordered the release of Kilmar Abrego Garcia because ICE couldn't produce a single legal document justifying why they were trying to deport him. CBP also wants to require travelers from 40 visa-waiver countries to hand over five years of social media, emails, phone numbers, and family history before visiting the U.S. And the administration is adding another militarized zone to the southern border just because. Trump also failed yet again to manufacture a criminal case against NY AG Letitia James — the second grand jury in two weeks declined to indict her for fake mortgage fraud. In New York, Gov. Kathy Hochul signed a new law requiring disclosure when ads use AI-generated actors and requiring consent for post-mortem likeness use. But Trump immediately tried to kneecap state AI rules with an executive order letting DOJ punish states that “restrict” AI — all part of the administration's push for “AI neutrality” (whatever that means), including new federal guidance to ban “woke” AI. And finally, Disney struck a $1 billion deal with OpenAI to let Sora use Disney characters in AI-generated videos. So basically… they're paying someone to copy their own IP. Resources/Articles mentioned in this episode: NYT: Indiana Senate Republicans Reject Trump's Redistricting Effort CNN: Live updates: Trump administration, health care vote and latest Venezuela news PBS News: WATCH: Noem defends Trump immigration policy in House hearing on security threats AP News: Foreigners allowed to travel to the US without a visa could soon face new social media screening AP News: Trump administration adds militarized zone in California along southern US border NYT: A Grand Jury Again Resists Trump's Push to Reindict Letitia James WSJ: Trump Signs Executive Order to Curtail State AI Laws Axios: White House issues federal agency guidance against "woke" AI Axios: N.Y. Gov. Kathy Hochul proposes major changes to AI bill Deadline: Disney Inks Blockbuster $1B Deal With OpenAI, Handing Characters Over To Sora Morning Announcements is produced by Sami Sage and edited by Grace Hernandez-Johnson Learn more about your ad choices. Visit megaphone.fm/adchoices

Millions of Americans face skyrocketing healthcare premiums come January 1. Now, Republicans on Capitol Hill are scrambling for a plan, any plan. Plus, U.S. forces repel from helicopters and seize an oil tanker off the coast of Venezuela. Will Venezuela do anything about it? The prosecution has rested now in the murder trial of Brian Walshe. Now, the big question for the defense, is he going to testify in his own defense?  Learn more about your ad choices. Visit podcastchoices.com/adchoices

The U.S. Senate failed to pass two dueling pieces of health care legislation Thursday, leaving Affordable Care Act tax credits all but certain to expire at the end of the year. As lawmakers prepare for year-end recess with no agreement in sight, tens of millions of Americans who rely on the ACA are being left in limbo. Lisa Desjardins reports. PBS News is supported by - https://www.pbs.org/newshour/about/funders. Hosted on Acast. See acast.com/privacy

Clay Jones/claytoonz.com On our radar this week... Tomorrow ... You're only a day away! President Donald Trump took his show back on the road this week in a desperate attempt to rekindle his “rally magic” and tell voters not to believe their eyes, ears, brains, wallets, or increasingly harder to fill refrigerators. Starting in Pennsylvania, he vows to campaign early and often across the country in competitive seats for the U.S. House and Senate. Democrats should offer to pay for the rallies. As our (least) Favorite President emerges from his Mar-A-Lago cocoon to deny economic reality, with his economic team claiming everything gets better … eventually: Prices will come down, he'll have a healthcare plan you'll love, urban crime will end, the Kennedy Center will have a rebirth as the Trump Center for the Arts and medical science will come up with a cure for cankles. Trump and his economic team sound like “Annie”! Also this week... Democrats have scored two more major election wins, most significantly electing the first Democratic Mayor of Miami in 20 years … and it was a landslide. And the Dems flipped a Trump +12 legislative seat in Georgia. In Lansing, it's been a year since the Legislature passed 9 laws that are still unconstitutionally sitting in the House of Representatives and signed into effect by Governor Whitmer. I've been the lawyer leading the so-far successful lawsuit to free the hostages as Speaker Matt Hall is and the GOP now look to the Michigan Supreme Court as they continue to ignore the constitution and keep stalling. There's a new name in the Democratic party campaign for Secretary of State, with Lottery Director and former congressional candidate Suzanna Shkreli joining the field which already includes Ingham County Clerk Barb Byrum, former Senator Adam Hollier, and Deputy Secretary of State Aghogho Edevbie. ACA premium tax credits are officially dead. Premiums will skyrocket for millions at the same time as major retailers raise prices to cover the costs of Trump's tariffs … while the President is proposing $12-billion in tariff subsidies for farmers. A Republic, If You Can Keep It is sponsored by Jeff Margulies/Washington Post

The guest host for today's show is Brad Bannon. Brad runs Bannon Communications Research, a polling, message development and media firm which helps labor unions, progressive issue groups and Democratic candidates win public affairs and political campaigns. His show, 'Deadline D.C. with Brad Bannon,' airs every Monday from 3-4pm ET. Brad is first joined by Kate Lincoln-Goldfinch, an Immigration Attorney and Advocate. The pair discusses Trump's new efforts to block immigration from 19 countries he deemed 'high risk.' Kate also explains the details of the U.S. Supreme Court agreeing to take up one of President Trump's most contentious policies by reviewing the American legal principle of "birthright citizenship," potentially upending a 127-year-old understanding of who gets to be a U.S. citizen.  Kate and Brad also discussed how alarmingly frequent it has been for ICE to arrest and detain U.S. citizens for hours to even days, with some of them being assaulted in the process. Then, Center for American Progress's Natasha Murphy talks with Brad about healthcare, including premiums that are set to skyrocket at the end of the month if Republicans refuse to extend ACA tax credits. Natasha also breaks down why the Health Savings Account options, which many congressional Republicans are pushing as a replacement for ACA tax credits, do nothing to help pay for skyrocketing health insurance premiums themselves. Kate Lincoln-Goldfinch is also the Owner and CEO of Lincoln-Goldfinch Law. Their website is www.LincolnGoldfinch.com. Kate's handle is @AttorneyKLG on X, @attorneykatelg on Instagram, and @abogadakate on TikTok. Additionally, she's currently running for State Representative for Texas House district 50 as a Democrat. Natasha Murphy is the director of Health Policy at American Progress, where she develops and advances policy proposals to lower health care costs and improve health care coverage, affordability, and quality. Brad is on the National Journal's panel of political insiders, is an American political analyst for The Times of India TV, and is a national political analyst for WGN TV and Radio in Chicago and KNX Radio in Los Angeles. Brad also writes a political column every Sunday for 'The Hill.'  You can read his columns at www.MuckRack.com/Brad-Bannon. His handle on BlueSky is @bradbannon.bsky.social.

In this episode, Lisa welcomes Brian Blase, President of Paragon Health Institute, to break down the evolving state of Obamacare and what enhanced subsidies mean for the future of healthcare in the United States. The conversation explores the growing irony of the Affordable Care Act, the difficulty of reforming an increasingly complex system, and the rising concerns around fraud, abuse, and government-driven cost inflation. Blase examines why premiums remain high, how subsidies distort the market, and what real solutions could rein in spending while improving patient care. The Truth with Lisa Boothe is part of the Clay Travis & Buck Sexton Podcast Network. See omnystudio.com/listener for privacy information.

Sanctions Hit Russian Economy Hard as Middlemen Charge Massive Premiums for Imports and Demand Huge Energy Discounts — Michael Bernstam — Bernstam details how countries including China and Turkey exploit Russia's economic isolation through sanctions. China demands oil discounts of up to $19 per barrel while simultaneously charging an 87% premium for manufactured goods exported to Russia. This arbitrage mechanism has contributed to a severe recession in Russia's civilian economy (5.4% contraction). Russia has increasingly relied on gold reserves to cover government budget deficits and sustain essential spendi32ng. 19