Podcasts about premiums

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 [ 11:40 ] - Outdated or inflated appraisals can create claim friction, while modern update tools and reminders help carriers reduce underinsurance and improve customer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

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.

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.

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.  

Millions of Americans could lose affordable healthcare coverage as a direct result of the Affordable Care Act (ACA) subsidies not being extended. We need to talk about what that really means for everyday families. Today, we'll break down the healthcare shakeup that could impact doctor visits, medications, and vital preventive care. Then, we'll discuss the heartbreaking murder of Rob Reiner and his wife, the toll grief takes on our bodies, and why emotional support matters. In our Myth vs. Fact segment, we'll uncover the truth about kidney failure and how losing insurance coverage can end a patient's chance for a kidney transplant. Plus, NBA star Jason Collins' glioblastoma battle and Leslie Jones turning menopause talk into REAL conversation.This podcast is intended to be informational only.  It is not a medical consultation, nor is it personalized medical advice.  For medical advice, please consult your physician.#HealthHappyLifePodcast #DrFrita #MedicalMondays #CelebrityHealthNews #MedicineInTheNewsHere are a few helpful resources to help on your journey to wellness:▶️ Subscribe so you will never miss a YouTube video.

SuperCoach Team Picker 2026 is out NOW! Dossy, Simeon Thomas-Wilson, and Patch are back to chat cheapies, premiums, and mid-pricers! Drop your first picked in each category below! IT'S HERE: THE ROOKIE BIBLE!!! Hosts:Dos: @HKDos /X | @dossySC /IGSimeon Thomas-Wilson: @Simeon_TW /XPatch: @PatchToTheMax /X Produced by Haydn Kenny. Recorded on Tuesday, December 23 2025. CHAPTERS:We’re back! (00:00)Team Picker is OPEN! (02:00)CHEAPIES! (4:50)PREMIUMS! (14:45)MID-PRICERS! (21:15)PODS! (29:00)Ownership data (37:20)Rules/fixture impact (40:50)A rookie to consider? (44:30) What is Team Picker and how to access?Team Picker allows SuperCoach Plus subscribers early access to the SuperCoach 2026 platform, which officially opens later in late January. If you played last season and have an active SuperCoach Plus subscription – you’re good to go! If you played last season but don’t have a SuperCoach Plus subscription, you can subscribe to gain access. Anyone fresh to SuperCoach (or did not play last season), can join in the fun of SuperCoach in January next season. What is SuperCoach Plus?SuperCoach Plus is an essential for any serious SuperCoach. Not only do you gain access to Team Picker to get a month head start on the competition, you also unlock in-season tools such as breakevens, projected player scores, most popular trades, injury reports, additional stats and data, and much more to take your game to the next level! SuperCoach Plus: https://www.supercoach.com.au/sc-plus Follow SuperCoach AFL on X. Follow SuperCoach AFL on Instagram. Follow SuperCoach AFL on TikTok. Like SuperCoach AFL on Facebook. Subscribe on CODE Sports YouTube Channel. See omnystudio.com/listener for privacy information.

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.

Some Oklahomans are looking at an increase in their health insurance premiums.A new partnership hopes to preserve the Choctaw language.Solar power enthusiasts remain optimistic despite a cut in federal incentives.You can find the KOSU Daily wherever you get your podcasts, you can also subscribe, rate us and leave a comment.You can keep up to date on all the latest news throughout the day at KOSU.org and make sure to follow us on Facebook, Tik Tok and Instagram at KOSU Radio.This is The KOSU Daily, Oklahoma news, every weekday.

You're listening to American Ground Radio with Stephen Parr and Louis R. Avallone. This is the full show for December 16, 2025. 0:30 A comment on The View is lighting up the airwaves — and not in a good way. We break down Whoopi Goldberg's comment that a dog would do a better job running the FBI than Director Kash Patel. But while the insult makes headlines, the facts tell a very different story. Under Patel’s leadership, the FBI has disrupted terror plots, stopped bomb threats, and arrested top fugitives — results critics conveniently ignore. This isn’t just about a Trump appointee or a TV soundbite. It’s about media figures undermining public trust in federal law enforcement at a moment of real national security threats — and replacing serious debate with cheap insults. 9:30 Plus, we cover the Top 3 Things You Need to Know. According to the latest numbers from the Bureau of Labor Statistics, the number of jobs in the United States rose by 64,000 positions last month. President Trump has filed a $10 billion lawsuit against the BBC for deceptively editing his speech from January 6, 2021. Judge Hannah Dugan, who allegedly tried to help an illegal alien avoid being arrested and deported by ICE, is on trial herself this week after she was charged with obstruction. 13:00 Phil Mickelson isn’t backing down — and his latest comments on gun control are setting off alarms around the world. After the deadly Bondi Beach attack in Australia, the golf legend pointed out an uncomfortable truth: the terrorists didn’t seem remotely hindered by some of the strictest gun laws on the planet. In countries where law-abiding citizens are disarmed, criminals and extremists know exactly who won’t be shooting back. The conversation cuts through the familiar calls for “more laws” and asks the harder question — why do politicians keep blaming legal gun owners when violent criminals ignore the law entirely? 16:00 We ask the American Mamas what they think about Erika Kirk's meeting with Candace Owens. Erika Kirk, Charlie Kirk’s widow, sat down privately with Candace Owens after claims and speculation threatened to fracture the conservative movement during a moment of national mourning. With no cameras, no microphones, and no social media theatrics, the two women chose conversation over chaos. American Mamas Teri Netterville and Kimberly Burleson weigh in on why the meeting mattered, how unchecked speculation can poison unity, and why resolving conflict face-to-face may be the only way to stop grief from being weaponized. If you'd like to ask our American Mamas a question, go to our website, AmericanGroundRadio.com/mamas and click on the Ask the Mamas button. 22:30 Cheap gas isn’t just a talking point — it’s a pay raise, especially for working families living paycheck to paycheck. We break down why lower gas prices hit far beyond the pump, driving down grocery costs, transportation expenses, and overall inflation. When fuel gets cheaper, everything gets cheaper — and the people who feel it most are the poorest Americans. With GasBuddy projecting sub-$3 gas prices for Christmas Day, the conversation turns to energy policy, economic relief, and why “drill, baby, drill” is being framed as compassion, not politics. 26:00 Republicans are finally putting a healthcare alternative on the table — 15 years after Obamacare, but better late than never. We Dig Deep into the GOP’s new “Lower Healthcare Premiums for All Americans Act,” what it claims to fix, and why no one should expect a miracle. From soaring premiums and broken Obamacare promises to patient choice, small-business relief, and cutting red tape, the conversation centers on whether this plan can actually move the system in a better direction. It’s a hard look at healthcare reform, government control versus freedom, and why real healthcare isn’t delivered by Washington — it’s delivered between doctors and patients. 32:00 Get TrimROX from Victory Nutrition International for 20% off. Go to vni.life/agr and use the promo code AGR20. 32:30 A brutal attack in a Savannah public park leaves a woman with third-degree burns — and the mayor’s response is sparking outrage. We react to a shocking chemical assault at Forsyth Park, the victim’s ongoing recovery, and a moment from city leadership that many are calling cold, dismissive, and indefensible. Instead of compassion or accountability, the mayor’s remarks raise serious questions about leadership, public safety, and basic human decency. 35:30 Education freedom is gaining momentum — and it may be one of the real bright spots in the national conversation. We break down what “education freedom” actually means, why it matters to working families, and why support is growing across the country. From open enrollment and school choice to education savings accounts and tax credits, the discussion cuts through the buzzwords and gets to the core issue: parents having real control over how and where their children are educated. 39:30 Buy now, pay later sounds convenient — but is it quietly training Americans to spend money they don’t actually have? We dig into the rise of “split payment” apps and why turning everyday purchases into installment plans may be more dangerous than credit cards. It’s a conversation about debt, discipline, and how removing the “pain of paying” can lead to overspending — exactly as the companies behind it intend. Just because you can break a purchase into payments doesn’t mean you should. 41:30 And we finish off today’s show with a reminder that American resistance didn’t begin in a courtroom — it began in a harbor. On this day in history, the Boston Tea Party marked a turning point in the fight against taxation without representation, as ordinary colonists took an extraordinary stand against government overreach. Disguised, defiant, and determined, the Sons of Liberty sent a clear message to Parliament that freedom would not be negotiated quietly. Follow us: americangroundradio.com Facebook: facebook.com / AmericanGroundRadio Instagram: instagram.com/americangroundradioSee omnystudio.com/listener for privacy information.

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

On this episode of the Trust the Plan Podcast, Nick Hopwood, CFP® and Jim Pilat, CFP® of Peak Wealth talk broadly about changes in health care coverage, including uncertainty around subsidies next year, along with other financial and economic shifts playing out right now. — Peak Wealth Management is a financial planning and wealth management firm in Plymouth, MI. We believe by providing education and guidance, we inspire our clients to make great decisions so they can Retire With Peace of Mind. Stay Connected With Us: Podbean: findingtruewealth.podbean.com YouTube: / @peakwealthmgmt Apple: rb.gy/1jqp6 (Trust the Plan Podcast) Facebook: Facebook.com/PeakWealthManagement Twitter: Twitter.com/nhopwood1 www.peakwm.com  

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

BACK. This is Talkin' Slayer, episode #88 of 55. Happy holidays if you're holidaying. Today's topics are:The new SLAYER 66 2/3... audiobook is here. I tell you all about it. Then you get some enhanced reruns...Then we talk Jeff Hanneman. Then we talk Kerry King.Then we talk Kerry King more.The SLAYER 66 2/3... audiobook features 12 bonus chapters that are not in the book itself. (The book features 72 chapters, so that's a fair amount of bonus material.) You can get it cheap at...SlayerBook.Bandcamp.com... Use the code cyberslayage for 25% off its already-low price. At 6623 Press / Möstly Thîngs Audiö, OUR PRICES ARE INSANE... CRIMINALLY!You want this EPIC METAL SAGA ready to go on your phone for your holiday commute. Don't get caught in a snowstorm at the airport without it.Anyhow...⁠⁠Click here for the new & improved & updated & embiggened book Ferris reads from every episode, "Slayer 66 2 /3: A Metal Band Biography..., or, How Fkin' Slayer Kicked F*kin' @ss"⁠⁠⁠⁠⁠⁠⁠⁠ — all four versions.TALKIN' SLAYER is deeply researched, written, rewritten, mostly rehearsed, lightly edited, and ad-free, with a little production value.Free listeners miss every other episode.Patreon supporters get an episode every week, plus more bonus Slaytanic content. Packages start at less than $1 an episode. Premiums include stickers, a shout-out on the show, and a free version of the audbiobook when it's finished.Learn more at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Patreon.com/SlayerBook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ .If you want to drop some ducats in the virtual tip jar... or you'd rather make a one-time payment for a VIP all-access pass, you can do it at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ko-fi.com/slayerbook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ . You can order autographed books here, or pre-order the audiobook.GRATITUDE.

Predictability is becoming one of the most valuable advantages in today's insurance market, and data and technology are finally making it possible. In this episode, I sit down with Dylan DiMarchi, Co-Founder and CEO of Eventual, to explore how independent agents can use price guarantee strategies to stand out, retain clients, and grow in a challenging market. We discuss how Premium Lock works alongside existing homeowners policies to provide multi-year premium stability without replacing carriers, and how data modeling and AI are helping address volatility driven by inflation and climate risk. This conversation is about more than pricing—it's about giving agents a powerful new way to deliver certainty, differentiation, and long-term value to their clients. Highlights: How premium predictability is becoming a competitive advantage for independent agents. Why homeowners are demanding stability as rate increases continue across the country. How data, AI, and predictive analytics are reshaping insurance pricing and risk management. Ways agents can improve retention and referrals with multi-year value propositions. What the hard market data reveals about regional trends, climate risk, and carrier behavior. How technology-driven guarantees can coexist with admitted carriers and existing policies. About Dylan DiMarchi: Co-founder and CEO of Eventual, the company behind Premium Lock. Premium Lock is a 3-Year Price Guarantee that works alongside homeowners’ existing carriers and coverage to help homeowners fight back against rising insurance prices. Premium Lock is distributed by independent insurance agents across America, helping them grow their businesses faster by (i) marketing a long-term price guarantee to differentiate and win more customers, (ii) improving retention with a multi-year product, and (iii) adding an incremental commission stream. Dylan was born and raised in Hawaii and studied mechanical engineering and economics at Yale. Prior to Eventual, Dylan was an Investment Professional at Blackstone, where he invested $3.5bn in commercial real estate during his tenure. Until next time, get out there and make a difference, be unstoppable, and leave no regrets! Mike Stromsoe The Unstoppable Profit Producer Call 800-770-9984 Email: vip@upplife.com Website: http://unstoppableprofitproducer.com/ Live Events: http://uppmastermind.com/ Podcast: http://unstoppableprofitpodcast.com If you want to learn more about our Coaching & Mastermind Programs and how they can help you grow your agency business, schedule your private Agency Growth Session with Mike Stromsoe Now (click here)!

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 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

In this episode of Main Street Matters, Elaine Parker and Alfredo Ortiz sit down with former Congressman Dr. Tom Price to break down the growing healthcare crisis facing small businesses. They discuss skyrocketing health insurance premiums, the promise of association health plans, the powerful role of pharmacy benefit managers (PBMs), and why Congress must shift its focus from political gamesmanship to real solutions. Dr. Price shares his insider perspective on how market-driven healthcare reforms can lower costs, expand access, and give small business owners the relief they need.See omnystudio.com/listener for privacy information.

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.

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.

Discover How to Manage IRMAA, Avoid 401(k) Mistakes, and Make Your Giving Go Further! Unlock the secrets to smarter financial planning in this week's episode of Dollars & Sense with Joel Garris! Joel breaks down three hot topics that can impact your wealth and peace of mind: IRMAA & Medicare Premiums: Confused about why your Social Security check is smaller? Learn what IRMAA is, how it affects your Medicare costs, and practical steps to challenge higher premiums if your income has changed. Philanthropy—More Than Just Generosity: Discover why charitable giving is a powerful tool for tax savings, strengthening family bonds, and building a lasting legacy. Get actionable strategies to weave philanthropy into your financial plan and avoid common mistakes advisors make. 401(k) Rollovers Without Regrets: Considering a job change or retirement? Joel reveals the three most common (and costly) rollover mistakes—from missing deadlines to losing out on tax breaks—and how you can avoid them. Packed with easy-to-follow tips, eye-opening stats, and essential action steps, this episode is a must-listen for anyone planning for retirement, thinking about their legacy, or wanting to make smarter money decisions for themselves and their family. 

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.

No other state in the US has Maryland's system of paying for hospital services despite its 50-year existence and the extra $2bn a year it brought. A new agreement between the state and the federal Centers for Medicare and Medicaid Services ends the preferential arrangement in 2027. Sunil Dasgupta asks Delegate Bonnie Cullison, Vice-Chair of the Maryland House Health and Government Operations Committee, and Jon Kromm, executive director of the Health Services Cost Review Commission, the state's hospital cost regulatory body, what to expect. Music by Kara Levchenko.

State Treasurer Brad Briner stated this week that State Health Plan premiums will likely increase again in 2027 for state employees and retirees. In this episode, we discuss the need for true transparency in hospital pricing to control costs. We also cover $14 billion in pension gains, but no COLA for retirees, the 2026 election filing window, and SEANC's political engagement. We then close with a light segment on Spotify Wrapped and memories of the K&W Cafeteria.

If you get your health insurance through the Affordable Care Act marketplace, now is the time to go online and update your information or select a new plan. Shelly Ten Napel and Brittany Zephier join Lori Walsh to navigate you through the changes in healthcare coverage.

A poll shows ACA enrollees already are struggling with health costs. AP correspondent Mike Hempen has more.

This time on Code WACK! We're digging into big questions: Are reduced health insurance subsidies leaving Americans with a bad case of sticker shock? If you're shopping on the ACA marketplace, what should you watch out for before picking a plan? And what happens if you're pre-authorized for treatment in 2025, but can't afford to renew with the same plan in 2026? (It's not pretty.) For these answers and more, we talked to Sherry Davis Johnson — a former nurse turned long–time insurance agent in Southern California. Sherry has seen our challenging healthcare system from every angle, as a nurse and home health provider, insurance agent, and patient, having personally gone through five major surgeries in just two years. Today, she's licensed in health, property, casualty, accident, and life insurance — and she's here to help us make sense of it all. Check out the Transcript and Show Notes for more!

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

Hey, first! If you value what we do, this is the best-ever time to support our work: This month, every donation gets matched two-for-one. We have SO much work ahead in 2026. Donate here — and get your money matched two-for-one. It’s probably fair to say: this is the worst year ever for picking health insurance. Premiums are skyrocketing – whether you get insurance through work or from the Obamacare marketplace. And with enhanced subsidies almost definitely expiring, millions of people with Obamacare plans are grappling with drastic changes to their household budgets. We’re our own case study: You’ll hear us sorting through our own options. None of them are pretty, but because we know how to read the fine print, we figured out: Some are way, way less awful than others. And to help you do the same: We’ve boiled down our fine-print-reading expertise in this starter pack on how to pick insurance. Also in this episode: we talk with a listener who wonders: is paying for health insurance even worth it at this point? (Her ultimate answer: Yes, but argh.) Read Julie Appleby’s reporting for KFF Health News about what could happen if Congress changes course and extends the subsidies. Here’s a transcript of this episode. Send your stories and questions! Or call 724 ARM-N-LEG. And, again… we’d love for you to support this show. See omnystudio.com/listener for privacy information.

We’re weeks away from 20 million Americans seeing a massive spike in their healthcare premiums. That’s if no deal can be struck to extend subsidies under the Affordable Care Act. We heard from some of those being affected. PBS News is supported by - https://www.pbs.org/newshour/about/funders. Hosted on Acast. See acast.com/privacy

Former Chief Assistant U.S. Attorney and National Review Contributing Editor Andy McCarthy is in for Jim on Tuesday's 3 Martini Lunch. Join Andy and Greg as they discuss the fate of Obamacare subsidies, how to stop Chinese nationals from buying land near U.S. military bases, and the leftist revolt (again) vs. Senate Minority Leader Chuck Schumer.First, as Democrats demand the extension of Obamacare premium subsidies, Andy and Greg explain how they were supposedly a "temporary" provision during the pandemic and should be scrapped. But Andy points out that the subsidies were another step in the Dems' tireless push for government-run health care, so rooting them out will be very difficult.Next, they react to reports that a convicted Chinese fraudster owns land adjacent to the Missouri Air Force base that's home to the B-2 Stealth Bombers that that targeted Iranian nuclear sites in June. Andy explains how there is some tension in law when it comes to stopping our top foreign adversary from getting so close to our most sensitive sites, but there's something far more important than the courts or Congress when it comes to stopping the Chinese from doing this.Finally, they shed zero tears for Sen. Chuck Schumer as the increasingly left-wing base revolts over how Senate Democrats handled the latest shutdown fight and Schumer's feeble attempts to appease the base through this pointless shutdown left him even more of a pariah in his own party. And as awful as Schumer has been, it's almost certain the next Senate Democratic leader will be even worse.Please visit our great sponsors:OneSkin uses the patented OS-01 Peptide™ designed to keep skin healthier, stronger, and more resilient over time. Get 15% off OneSkin with the code 3ML at https://www.OneSkin.co/3ML Try the Oracle Cloud Infrastructure for free with zero commitment by visiting https://Oracle.com/Martini today!Open a new qualified IRA or cash account with Noble Gold and get a free 10-ounce Silver Flag Bar plus a Silver American Eagle Proof Coin—visit https://NobleGoldInvestments.com/3ML