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Even in retirement, small expenses can quietly drain your income — until you take a closer look. In this episode, Joe Curry shares how a simple personal cashflow audit saved him over $2,000 a year and outlines practical steps retirees can use to find — and fix — their own hidden money leaks. Perfect for Canadians focused on tax-efficient retirement income planning and smarter spending. Key Takeaways Small leaks sink big ships — even in retirement. Performing a personal cashflow audit can uncover significant amounts in annual savings. Subscriptions add up fast. Many retirees pay for apps, streaming services, or memberships they've forgotten about. Canceling unused ones can free up hundreds of dollars a year. Your needs change in retirement — your insurance should too. Review life, home, and auto coverage regularly to make sure you're not overpaying for outdated protection. Tax inefficiency is an invisible leak. Pulling income from the wrong accounts or missing opportunities like CPP deferral can quietly cost thousands in unnecessary taxes. Question your habits. Routines you've "always done" — from premium cell plans to cable TV — may not serve your retirement lifestyle anymore. Resources Retirement Planning Simplified Blog Matthews and Associates Book a Cashflow Audit Call Related RPS Episodes: Ep 134 - Smart Tax Strategies for More Efficient Retirement Planning Thank you for listening! You can get a full breakdown of each episode on our blog: https://www.retirementplanningsimplified.ca/blog Don't forget to like, comment, and subscribe for more simplified retirement planning insights! Ready to take the next step? Identify your retirement income style with the RISA questionnaire at https://account.myrisaprofile.com/invitation-link/88QG1TMQ12 Want a retirement plan that adapts as your life evolves? Discover our True Wealth Roadmap — a step-by-step process to align your finances with your ideal retirement. Learn more here: https://matthewsandassociates.ca/vsl/ About Joe Curry Joseph Curry, also known as Joe, is the host of Your Retirement Planning Simplified, Canada's fastest-growing retirement planning podcast, where he provides accessible, in-depth financial advice. As the owner and lead financial planner at Matthews + Associates in Peterborough, Ontario, Joe and his team are committed to helping people secure both financial stability and purpose in retirement. His mission is to ensure people can sleep soundly knowing they have a solid plan in place, covering both financial and lifestyle aspects of retirement. A Certified Financial Planner and Certified Exit Planning Advisor, he values true wealth as more than money—it's about creating meaningful experiences with loved ones and fostering opportunities for the future. You can reach out to Joe through: LinkedIn: https://www.linkedin.com/in/curryjoe Website: https://www.retirementplanningsimplified.ca/ Website: https://matthewsandassociates.ca/vsl/ About Retirement Planning Simplified Founded in 2022, its mission is to empower people to plan for retirement confidently, focusing not only on finances but also on a meaningful life. RPS wants everyone to have access to simple, reliable tools that reflect their values and priorities, helping them create True Wealth—the freedom to do what they love with those they love. By simplifying retirement planning and aligning it with the retiree's purpose, RPS aims to support building a retirement that feels fulfilling and secure. To know more about RPS you can visit the links below: LinkedIn: https://www.linkedin.com/company/retirement-planning-simplified/ Instagram: https://www.instagram.com/retirement_planning_simplified Podcast/Blog: https://www.retirementplanningsimplified.ca/blog Youtube: https://www.youtube.com/@retirementplanningsimplified Disclaimer Opinions expressed are those of Joseph Curry, a registrant of Aligned Capital Partners Inc. (ACPI), and may not necessarily be those of ACPI. This video is for informational purposes only and not intended to be personalized investment advice. The views expressed are opinions of Joseph Curry and may not necessarily be those of ACPI. Content is prepared for general circulation and information contained does not constitute an offer or solicitation to buy or sell any investment fund, security or other product or service.
In this episode, it's more National Service camp stories. Ronald shares encounter after encounter featuring stalking entities caught on camera, creepy guard duty prowls and long necked Peeping Toms. Also have you heard? RPS made it into the list of 100 Best Singapore Podcasts !The RPS team is made up of Tim, E.T and Shyam.If you have submissions to share, reach out to us on facebook or via email - radioparanormalsingapore@gmail.com.This podcast is produced by Singapore Radio Personality Tim Oh.
Pour ce nouvel épisode je vous présente Marc avec qui nous allons voir à quel point les consommations peuvent s'immiscées très insidieusement dans la vie. Marc grandit dans une famille où l'émotion et la tendresse n'étaient pas vraiment au rdv et très tôt, trop tôt peut-être, il apprend à se débrouiller seul. Les consommations arrivent avec le but de fonctionner au même rythme que les autres car sans le savoir, il porte en lui un haut potentiel émotionnel , et un haut potentiel intellectuel qui seront diagnostiqué qu'à l'âge adulte. Plus tard, son métier, ses fonctions, lui impose une distance familiale et cette pression quotidienne va jouer un rôle important sur ses consommations qui prennent de plus en plus de place et sans qu'il s'en rende vraiment compte, cette béquille devient une dépendance. Aujourd'hui Marc administrateur d'un groupe d'entre aide sur face book qui s'appelle Addiction, dépendance, co-dépendance, le cercle Elan avec mes 2 dernières invitées, Emilie et Lestisia. En voici le lien direct : https://www.facebook.com/groups/1270970774663043/ Vous pouvez me contacter via mes réseaux sociaux : paroles d'addiction face book https://www.facebook.com/Parolesdaddictionsparlauriane/?locale=fr_FR Insta : https://www.facebook.com/Parolesdaddictionsparlauriane/?locale=fr_FR Linkedin : lauriane charrier https://www.linkedin.com/in/lauriane-charrier-addictions-formation-prévention-0bb469327/ Et tout nouveau mon site internet, AFP Addictions, je vais maintenant proposer des formations et des séances de prévention notamment en entreprise : https://www.afp-addiction.fr/ Je vous souhaite une bonne écoute : )
Episode 363 of RevolutionZ as its main focus continues with another excerpt from the Oral History titled The Wind Cries Freedom. The episode opens, however, with a comment on our place and our times following on Mamdani's remarkable victory and Steve Bannon's call for Republicans to take over all institutions or face jail in about a year. In the struggle for institutions, for us to act as though Trump and Co. are now wielding a mighty force that is targeted at each and every one of us, ready and able to trounce us each now, in our workplaces, schools, and homes— for us to believe that exaggeration, and in response to be so security conscious that we curtail ourselves to avoid attracting their assault, that approach will do their work for them. That response from us will give them what they are racing to gain but which they do not now have. Our resignation. We have to fight back, not hunker down.The episode then takes a second side route to present the lyrics of four specially chosen songs. Time to get up stand up, imagine, escape the badlands, and bring our ship in. Finally, hopefully roused a bit, we return to the oral history. This time the interviewer, Miguel Guevara questions two interviewees who we have already met, Mayor Bill Hampton and academic activist Andre Goldman about RPS first forming chapters and thereby getting real. We see, in the oral history's time, how real chapters of their Revolutionary Participatory Society organization formed, grew, and spread to multiply power without losing heart. We see RPS's scaffolding for durable organizing that started around kitchen tables and scaled to a national federation—including the role of its weekly meetings, balanced roles, internal culture, local campaigns, and outreach as strategy. Bill Hampton walks us through the early steps after their founding convention: setting a growth trigger for action, launching local campaigns at twenty members, and using those campaigns to reach forty to fifty members and then divide and double the chapter count. He explains how strategic recruitment, chapters sharing their innovations peer to peer, intramural sports, open classes, and street theater plus initial activist campaigns all emphasized growth and roads to member leadership. He shows us what “invite, don't preach” looks like when stakes are high. He gets concrete on accountability, patience, a culture that welcomes rather than filters, and a movement that emphasizes flexible growth not static self defense.Andre Goldman next adds the educator's lens, including how he in his chapter and others throughout the organization worked to pair internal education with external actions through organizing schools that trained people to listen across difference, to frame demands without needless polarization, and to teach others to do the same. He tackles hard truths about gender, race, and class after Trumpism and why being morally right doesn't guarantee strategic effectiveness. Miguel questions how RPS split chapters without drama, added supports like childcare and modest dues, and dealt with interpersonal conflicts by designing structures that contained heat without dimming the mission.In short, with eyes on early chapter building, this episode continues the agenda of The Wind Cries Freedom, to convey what it might look like to not only block and terminate Trumpism but to continue on beyond that to achieve a fundamentally better world. And that is why RevolutionZ is devoting so many episodes to conveying the current draft of Miguel's oral history to you. To contribute to confidence, strategy, and vision in a congenial and personal way. And, hopefully, to get some feedback to help with additional improvements to the book. Support the show
Even high-net-worth retirees can fall into the trap of financial complexity, with multiple accounts, different advisors, and no clear strategy. In this episode, Joe Curry explains why simplifying your financial life can create more control, smarter tax planning, and greater peace of mind. Learn how coordination, clarity, and a single cohesive plan can strengthen your retirement income strategy. Key Takeaways Complexity creates confusion and missed opportunities. When investments are scattered across institutions, it's hard to see the big picture — leading to inefficiency and inaction. Diversification isn't about having money with many advisors. Real diversification happens when your investments are coordinated under one structured portfolio that works in harmony. Simplification unlocks smarter tax planning. With a unified view, you can coordinate RRSP, TFSA, and non-registered withdrawals to minimize lifetime taxes and avoid OAS clawbacks. A coordinated plan gives you clarity and confidence. Seeing your full financial picture in one place makes it easier to make decisions and understand how each dollar supports your goals. An advisor helps you stay simple and strategic. A great advisor continually reviews, rebalances, and coordinates your plan — keeping things clear, efficient, and aligned with your life. Resources YRPS Ep # 134 – Smart Tax Strategies for More Efficient Retirement Planning A previous episode of YRPS that touches on how to build a tax-efficient retirement income plan Book a Call with Matthews + Associates Thank you for listening! You can get a full breakdown of each episode on our blog: https://www.retirementplanningsimplified.ca/blog Don't forget to like, comment, and subscribe for more simplified retirement planning insights! Ready to take the next step? Identify your retirement income style with the RISA questionnaire at https://account.myrisaprofile.com/invitation-link/88QG1TMQ12 Want a retirement plan that adapts as your life evolves? Discover our True Wealth Roadmap — a step-by-step process to align your finances with your ideal retirement. Learn more here: https://matthewsandassociates.ca/vsl/ About Joe Curry Joseph Curry, also known as Joe, is the host of Your Retirement Planning Simplified, Canada's fastest-growing retirement planning podcast, where he provides accessible, in-depth financial advice. As the owner and lead financial planner at Matthews + Associates in Peterborough, Ontario, Joe and his team are committed to helping people secure both financial stability and purpose in retirement. His mission is to ensure people can sleep soundly knowing they have a solid plan in place, covering both financial and lifestyle aspects of retirement. A Certified Financial Planner and Certified Exit Planning Advisor, he values true wealth as more than money—it's about creating meaningful experiences with loved ones and fostering opportunities for the future. You can reach out to Joe through: LinkedIn: https://www.linkedin.com/in/curryjoe Website: https://www.retirementplanningsimplified.ca/ Website: https://matthewsandassociates.ca/vsl/ About Retirement Planning Simplified Founded in 2022, its mission is to empower people to plan for retirement confidently, focusing not only on finances but also on a meaningful life. RPS wants everyone to have access to simple, reliable tools that reflect their values and priorities, helping them create True Wealth—the freedom to do what they love with those they love. By simplifying retirement planning and aligning it with the retiree's purpose, RPS aims to support building a retirement that feels fulfilling and secure. To know more about RPS you can visit the links below: LinkedIn: https://www.linkedin.com/company/retirement-planning-simplified/ Instagram: https://www.instagram.com/retirement_planning_simplified Podcast/Blog: https://www.retirementplanningsimplified.ca/blog Youtube: https://www.youtube.com/@retirementplanningsimplified Disclaimer Opinions expressed are those of Joseph Curry, a registrant of Aligned Capital Partners Inc. (ACPI), and may not necessarily be those of ACPI. This video is for informational purposes only and not intended to be personalized investment advice. The views expressed are opinions of Joseph Curry and may not necessarily be those of ACPI. Content is prepared for general circulation and information contained does not constitute an offer or solicitation to buy or sell any investment fund, security or other product or service.
In this message, Shawn Pierce delivers an amazing, packed message where he dives into just two scriptures in Exodus 13 seeing what we can learn and take from for our personal journey's today. We pray this message blesses you as it did for us! Join the RPS family by following us on IG @readprayshare for weekly events to fellowship with us. Be encouraged!
In this message, Shawn Pierce delivers a powerful message from Acts 4, diving into the text to see how we can be encouraged for our personal journey's today. We pray this message blesses you as it did for us! Join the RPS family by following us on IG @readprayshare for weekly events to fellowship with us. Be encouraged!
Read more After election, paid family leave approval likely next year Photo essay: Amid historic election, Virginians long for change On the agenda: Richmond rental inspection program, RPS collective bargaining Richmond prepares to weather continuing federal shutdown Our award-winning work is made possible with your donations. Visit vpm.org/donate to support local journalism.
Episode 362 of RevolutionZ continues the oral history recounting by Miguel Guevara and his interviewees. It delves further with the motives, aims, and mechanics of a successful future revolution. This time, it asks, what if the hardest part of building a movement isn't the opposition outside, but the pressure inside the room—and inside our heads? Guevara leads Andre Goldman, Malcolm Mays and Cynthia Parks in a discussion that describes the founding convention of RPS where three thousand people traded posturing for process and built consensus without blunting their ideals. They describe how months of preparation, open amendments, and careful straw polls set a tone that prized clarity over dominance and turned potential stalemates into workable albeit provisional decisions.From there, the interviewees explore how a “starter program” could be broad without becoming a blur. Wages and work hours. Tax the rich and full employment. Expanded, revised education for all. Immigration and community control of policing. Reproductive and LGBTQ rights. Democratic reforms like ranked choice voting and public financing. Single‑payer healthcare, demilitarization, climate action, and oversight of AI. The initial national platform offered scaffolding that let chapters chose priorities that fit their own local needs—a structure that fed momentum instead of draining it.Then Cynthia's story reframes the stakes. Childhood eviction and family violence carved an inner voice in her mind that said you can't, a crippling voice that many carry with no one else seeing. Rather than pretend that politics is only external, In response to this widespread issue, RPS carved out space to confront internalized doubt and the habits that keep people silent. That attention to the psychological side of participation—paired with humble, flexible strategy—helped the project survive fragile beginnings, temper early rigidity, and welcome new leaders. Guevara's questions also wrestle with the family versus movement dilemma: what does responsible care look like when the future your kids inherit depends on what you build with others today. How much time to allot where? How can we even think about such a vexing choice? If you're organizing, if you're curious about consensus that actually works, or about how to fight the voices within that say your effort, or someone else's effort won't matter, this episode offers tools our interviewees used in their world and time—procedures that can keep trust intact, culture that can tame ego and liberate potentials, and a program that travels from national goals to neighborhood action. Does the episode resonates with you? IF so, perhaps share it and the whole Wind Cries Freedom sequence with a friend who is doing or considering doing movement work. Do you instead find the discussion lacking or even wrong, okay, in either case, perhaps even leave a comment to help improve coming episodes. .Support the show
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In this episode of Your Retirement Planning Simplified, Joe Curry unpacks essential cybersecurity lessons for retirees, based on insights from expert Darren Mar, Director of Client Solutions at NPC Dataguard, who recently led an informative cybersecurity webinar for clients of Joe's firm, Matthews + Associates. Learn how to protect your retirement savings, personal data, and peace of mind from online threats with simple, practical steps that safeguard your digital and financial life. Key Takeaways Cybersecurity is part of retirement security. Your wealth, identity, and digital assets are all connected — protecting them is as important as managing your investments. Most cyberattacks target individuals, not just corporations. Retirees are prime targets because of their savings, steady income, and tendency to trust legitimate-looking communications. Five essential layers of protection. Multi-factor authentication, long passphrases, regular software updates, secure backups, and professional-grade security tools dramatically reduce your risk. Awareness beats fear. You don't need to be a tech expert — just build consistent habits, question unexpected messages, and know what to do if something feels off. Peace of mind is part of your plan. Cybersecurity helps protect not only your money but your confidence and independence in retirement. Resources Darren Mar, Director of Client Solutions at NPC Dataguard Darren recently led a webinar about Cybersecurity for our Fall 2025 Client Event at Matthews + Associates Cybersecurity & Identity Theft Checklist Request your free copy by emailing us: info@retirementplanningsimplified.ca YRPS Ep #97 Blog: Safeguard your Savings: Outsmart Cybercriminals Targeting Your Money with Scott Wright Previous YRPS episode with related content Matthews + Associates Thank you for listening! You can get a full breakdown of each episode on our blog: https://www.retirementplanningsimplified.ca/blog Don't forget to like, comment, and subscribe for more simplified retirement planning insights! Ready to take the next step? Identify your retirement income style with the RISA questionnaire at https://account.myrisaprofile.com/invitation-link/88QG1TMQ12 Want a retirement plan that adapts as your life evolves? Discover our True Wealth Roadmap — a step-by-step process to align your finances with your ideal retirement. Learn more here: https://matthewsandassociates.ca/vsl/ About Joe Curry Joseph Curry, also known as Joe, is the host of Your Retirement Planning Simplified, Canada's fastest-growing retirement planning podcast, where he provides accessible, in-depth financial advice. As the owner and lead financial planner at Matthews + Associates in Peterborough, Ontario, Joe and his team are committed to helping people secure both financial stability and purpose in retirement. His mission is to ensure people can sleep soundly knowing they have a solid plan in place, covering both financial and lifestyle aspects of retirement. A Certified Financial Planner and Certified Exit Planning Advisor, he values true wealth as more than money—it's about creating meaningful experiences with loved ones and fostering opportunities for the future. You can reach out to Joe through: LinkedIn: https://www.linkedin.com/in/curryjoe Website: https://www.retirementplanningsimplified.ca/ Website: https://matthewsandassociates.ca/vsl/ About Retirement Planning Simplified Founded in 2022, its mission is to empower people to plan for retirement confidently, focusing not only on finances but also on a meaningful life. RPS wants everyone to have access to simple, reliable tools that reflect their values and priorities, helping them create True Wealth—the freedom to do what they love with those they love. By simplifying retirement planning and aligning it with the retiree's purpose, RPS aims to support building a retirement that feels fulfilling and secure. To know more about RPS you can visit the links below: LinkedIn: https://www.linkedin.com/company/retirement-planning-simplified/ Instagram: https://www.instagram.com/retirement_planning_simplified Podcast/Blog: https://www.retirementplanningsimplified.ca/blog Youtube: https://www.youtube.com/@retirementplanningsimplified Disclaimer Opinions expressed are those of Joseph Curry, a registrant of Aligned Capital Partners Inc. (ACPI), and may not necessarily be those of ACPI. This video is for informational purposes only and not intended to be personalized investment advice. The views expressed are opinions of Joseph Curry and may not necessarily be those of ACPI. Content is prepared for general circulation and information contained does not constitute an offer or solicitation to buy or sell any investment fund, security or other product or service.
Dans ce nouvel épisode, nous revenons sur l'ouverture, le 4 novembre, de la conférence sur les retraites et le travail. Annoncée par le Premier ministre Sébastien Lecornu dans son discours de politique générale le 14 octobre dernier, elle devrait se dérouler jusqu'à l'été 2026 pour nourrir les débats de la prochaine élection présidentielle. Nous évoquons également le décret qui révise les modalités de versement de l'aide unique et de l'aide exceptionnelle aux employeurs d'apprentis. Notre « focus texte » porte sur une décision du 5 novembre de la Cour de cassation portant sur une affaire de messages privés à connotation sexuelle, sexiste, raciste et homophobe. Notre chiffre de la semaine est issu du dernier Baromètre BDO de la gestion des Accidents du Travail et des Maladies Professionnelles publié le 5 novembre.Hébergé par Ausha. Visitez ausha.co/politique-de-confidentialite pour plus d'informations.
Unter Wasser gibt es neben Fischen, Pflanzen und dem ein oder anderen Wrack auch noch viel mehr aus der Geschichte zu entdecken. Wir haben mit Alexandra Ulisch vom Landesamt für Denkmalpflege in Baden-Württemberg über die Unterwasser-Archäologie, genauer gesagt die Feuchtbodenarchäologie, und ihr Projekt im Bodensee unterhalten. Titelbild: LAD im RPS
Episode 361 of RevolutionZ continues the sequence of episodes culled from the book in process: The Wind Cries Freedom. The episode's title is "Hope Is Not Naive, Cynicism Is Counterproductive, Fight To Win." It opens with a succinct look at our own time's authoritarianism and the information ecosystem that rewards fear and lies over solidarity and truth. It then takes up the oral history by presenting three future revolutionaries who RevolutionZ regulars have already met--Alexandra Voline, Senator Malcolm King, and Andre Goldman--to talk with them about how their movement facilitated hope, redesigned incentives, and made sustained participation both possible and meaningful.Alexandra describes the prevalence of cynicism and how she worked to supportively flip the frame from “people are bad” to “what makes good people act badly.” She describes how schools, workplaces, families, media, and policing reward domination while they punish solidarity—and she shows how RPS worked to have cooperation and solidarity overcome competition and anti-sociality.Senator King traces his path from studying history in college to working on the factory floor, to traversing the Senate. Along the way he explains why to meet people where they are at is not an overused slogan but a method for building real solidarity, even with opponents. He considers his electoral motives and choices and particularly various class interests and pressures that played prominent roles in each.. Andre dives into what made RPS different. He describes how it redefined the calculus of success beyond activists noticing only quick wins or losses to also highlight wider and longer term consequences. He shows how RPS struggled to ensure that its every campaign left participants prepared and eager to go further, and how RPS treated attrition due to internal and interpersonal conflicts and flaws as an obstacle to transcend not dodge. This episode, like others of the same sequence, presents only one chapter among thirty, and though it is therefore only partial, the interviewees do address their feelings, motives, ideas, and practices. They answer Miguel Guevara's questions to address the shift from activist spectacle to activist strategy. They explain why style matters but cannot replace substance. They show how a politics of everyday life—shared power, accountable process, and sincere care—is able to turn moments of opposition that might otherwise fade away into sustained movements. The thread through it all is not solely slogans, or even only worthy values, nor even just details of episodic activist encounters, but informed descriptions of strategic and visionary activity. For them and for so many others, the interviewees report how RPS offered a way past cynicism and despair able to respect both head and heart. They describe the emergence and use of specific thoughts and practices helped to cultivate informed hope, build resistance, and pursue positive desires that lasted. Perhaps you will give these participants a listen. If you do, will this segment of the longer oral history ring plausible for you? Will you find useful insights in its words? That is the episode's hope, and If if it does resonate usefully for you, perhaps you will let others know about the interviewees' stories while you also refine and enrich them with your own insights.Support the show
No episódio 306 do Stock Pickers, Lucas Collazo recebe Paolo Di Sora, CIO da RPS Capital, para uma análise afiada das eleições legislativas da Argentina, realizadas em 26 de outubro. As urnas portenhas surpreenderam: o partido A Liberdade Avança, de Javier Milei, conquistou mais de 40% dos votos e consolidou uma vitória política que, segundo Di Sora, mostra que a população argentina endossa a atual política fiscal do governo.Na conversa, o gestor explica como esse novo cenário afeta a dívida argentina, o fluxo de investimentos e a confiança do mercado, especialmente diante dos investidores que apostaram contra Milei, vendendo ativos e dólares antes da votação. Para Di Sora, esse movimento traz riscos, mas também revela oportunidades de longo prazo para quem acredita na recuperação da economia do país. O episódio ainda aborda o impacto das eleições nos ativos argentinos, nas relações econômicas com o Brasil e no mercado latino-americano como um todo.Uma conversa essencial para entender como o resultado eleitoral na Argentina pode redefinir o humor dos investidores e o futuro da região, até no Brasil.
When it comes to CPP timing, the math often says "wait until 70" - but life isn't lived in a spreadsheet. In this episode, Joe Curry explores why taking your Canada Pension Plan early—sometimes even at 60—can be a smart, meaningful choice for your lifestyle, legacy, and peace of mind. Key Takeaways from this Podcast CPP timing isn't just about math — it's about meaning. The "optimal" financial choice may not be the one that helps you live your best retirement. Taking CPP early can increase flexibility. Early benefits can fund experiences, family gifts, or charitable giving when you're healthiest and most active. Zero-earning years can reduce your benefit. If you retire before 65 but delay CPP, those years may count against you in the CPP calculation. Not everyone needs longevity insurance. If you have pensions, rental income, or sufficient savings, delaying CPP might not be worth the trade-off. Behavioral comfort matters. If you're hesitant to draw from investments, that monthly CPP cheque might help you enjoy your retirement more freely. Resources Mentioned in this Podcast Episode 157: How to Delay CPP to Age 70 Without Sacrificing Retirement Income Episode 106: Understanding Your Retirement Income Personality for Success, with Wade Pfau Matthews & Associates Retirement Planning Process Thank you for listening! You can get a full breakdown of each episode on our blog: https://www.retirementplanningsimplified.ca/blog Don't forget to like, comment, and subscribe for more simplified retirement planning insights! Ready to take the next step? Identify your retirement income style with the RISA questionnaire at https://account.myrisaprofile.com/invitation-link/88QG1TMQ12 Want a retirement plan that adapts as your life evolves? Discover our True Wealth Roadmap — a step-by-step process to align your finances with your ideal retirement. Learn more here: https://matthewsandassociates.ca/vsl/ About Joe Curry Joseph Curry, also known as Joe, is the host of Your Retirement Planning Simplified, Canada's fastest-growing retirement planning podcast, where he provides accessible, in-depth financial advice. As the owner and lead financial planner at Matthews + Associates in Peterborough, Ontario, he is committed to helping people secure both financial stability and purpose in retirement. His mission is to ensure people can sleep soundly knowing they have a solid plan in place, covering both financial and lifestyle aspects of retirement. A Certified Financial Planner and Certified Exit Planning Advisor, he values true wealth as more than money—it's about creating meaningful experiences with loved ones and fostering opportunities for the future. You can reach out to Joe through: LinkedIn: https://www.linkedin.com/in/curryjoe Website: https://www.retirementplanningsimplified.ca/ Website: https://matthewsandassociates.ca/vsl/ About Retirement Planning Simplified Founded in 2022, its mission is to empower people to plan for retirement confidently, focusing not only on finances but also on a meaningful life. RPS wants everyone to have access to simple, reliable tools that reflect their values and priorities, helping them create True Wealth—the freedom to do what they love with those they love. By simplifying retirement planning and aligning it with the retiree's purpose, RPS aims to support building a retirement that feels fulfilling and secure. To know more about RPS you can visit the links below: LinkedIn: https://www.linkedin.com/company/retirement-planning-simplified/ Instagram: https://www.instagram.com/retirement_planning_simplified Podcast/Blog: https://www.retirementplanningsimplified.ca/blog Youtube: https://www.youtube.com/@retirementplanningsimplified Disclaimer Opinions expressed are those of Joseph Curry, a registrant of Aligned Capital Partners Inc. (ACPI), and may not necessarily be those of ACPI. This video is for informational purposes only and not intended to be personalized investment advice. The views expressed are opinions of Joseph Curry and may not necessarily be those of ACPI. Content is prepared for general circulation and information contained does not constitute an offer or solicitation to buy or sell any investment fund, security or other product or service.
Welcome to episode 328 of The Cloud Pod, where the forecast is always cloudy! Justin, Ryan, and Matt are on board today to bring you all the latest news in cloud and AI, including secret regions (this one has the aliens), ongoing discussions between Microsoft and OpenAI, and updates to Nova, SQL, and OneLake -and even the latest installment of Cloud Journeys. Let's get started! Titles we almost went with this week CloudWatch’s New Feature: Because Nobody Likes Writing Incident Reports at 3 AM DNS: Did Not Survive – The Great US-EAST-1 Outage of 2025 404 DevOps Not Found: The AWS Automation Adventure mk When Your DevOps Team Gets Replaced by AI and Then Everything Crashes Database Migrations Get the ChatGPT Treatment: Just Vibe Your Schema Changes AWS DevOps Team Gets the AI Treatment: 40% Fewer Humans, 100% More Questions Breaking Up is Hard to Compute: Microsoft and OpenAI Redefine Their Relationship AWS Goes Full Scope: Now Tracking Your Cloud’s Carbon from Cradle to Gate Platform Engineering: When Your Golden Path Leads to a Dead End DynamoDB’s DNS Disaster: How a Race Condition Raced Through AWS AI Takes Over AWS DevOps Jobs, Servers Take Unscheduled Vacation PostgreSQL Scaling Gets a 30-Second Makeover While AWS Takes a Coffee Break The Domino Effect: When DynamoDB Drops, Everything Drops RAG to Riches: Amazon Nova Learns to Cite Its Sources AWS Finally Tells You When Your EC2 Instance Can’t Keep Up With Your Storage Ambitions AWS Nova Gets Grounded: No More Hallucinating About Reality One API to Rule Them All: OneLake’s Storage Compatibility Play OpenAI gets to pay Alimony Database schema deployments are totally a vibe AWS will tell you how not green you are today, now in 3 scopes General News 02:00 DDoS in September | Fastly Fastly‘s September DDoS report reveals a notable 15.5 million requests per second attack that lasted over an hour, demonstrating how modern application-layer attacks can sustain extreme throughput with real HTTP requests rather than simple pings or amplification techniques. Attack volume in September dropped to 61% of August levels, with data suggesting a correlation between school schedules and attack frequency: lower volumes coincide with school breaks, while higher volumes occur when schools are in session. Media & Entertainment companies faced the highest median attack sizes, followed by Education and High Technology sectors, with 71% of September’s peak attack day attributed to a single enterprise media company. The sustained 15 million RPS attack originated from a single cloud-provider ASN, using sophisticated daemons that mimicked browser behavior, making detection more challenging than typical DDoS patterns. Organizations should evaluate whether their incident response runbooks can handle hour-long attacks at 15+ million RPS, as these sustained high-throughput attacks require automated mitigation rather than manual intervention. Listen, we're not inviting a DDoS attack, but also…we'll just turn off the website, so there's that. AI Is Going Great – Or How ML Makes Money 04:41 Google AI Studi
Radio Paranormal Singapore presents Tales after Twilight - a haunting anthology of stories, inspired, adapted, and reimagined from the darkest corners of the web, and the places nightmares call home. This episode is narrated, or scare-rated by the RPS team of Tim and E.T, along with a special guests - Radio DJs Lavinia Tan and Yumiko Kayahara from ONE FM 91.3 and Kiss 92 FM. If you have submissions of your own, allow us to bring them to life. Reach out to us on facebook or via email - radioparanormalsingapore@gmail.com.This episode is produced by Tim Oh.
Wondering if your retirement portfolio is really performing well? In this episode of Your Retirement Planning Simplified, Joe Curry explains why comparing your portfolio to indexes like the TSX or S&P 500 can be misleading. Learn how to evaluate investment performance based on your personal goals, asset mix, and income needs — not on market headlines. Key Takeaways from this Episode Stop Comparing to the TSX. Your retirement portfolio is designed for stability and income, not for competing with stock indexes built for accumulation. Diversification Is the Real Benchmark. A well-structured retirement portfolio should include Canadian, U.S., international, and fixed-income holdings — each with its own purpose. Asset Allocation Should Reflect You. Your mix of stocks and bonds should align with your risk tolerance, income needs, and guaranteed income sources like CPP, OAS, or pensions. Evidence Beats Guesswork. Research like the SPIVA scorecard consistently shows that active managers rarely beat the market after fees — supporting an evidence-based approach. Stay Focused on Purpose, Not Performance Chasing. Evaluate your portfolio by asking whether it's helping you meet your income goals and maintain peace of mind, not whether it's "winning" against the market. Resources Mentioned in this Episode SPIVA® Canada Scorecard (S&P Global) Previous Episode of YRPS: The Bond Tent Strategy Thank you for listening! You can get a full breakdown of each episode on our blog: https://www.retirementplanningsimplified.ca/blog Don't forget to like, comment, and subscribe for more simplified retirement planning insights! Ready to take the next step? Identify your retirement income style with the RISA questionnaire at https://account.myrisaprofile.com/invitation-link/88QG1TMQ12 Want a retirement plan that adapts as your life evolves? Discover our True Wealth Roadmap — a step-by-step process to align your finances with your ideal retirement. Learn more at https://matthewsandassociates.ca/our-process/ ABOUT JOE CURRY Joseph Curry, also known as Joe, is the host of Your Retirement Planning Simplified, Canada's fastest-growing retirement planning podcast, where he provides accessible, in-depth financial advice. As the owner and lead financial planner at Matthews + Associates in Peterborough, Ontario, he is committed to helping people secure both financial stability and purpose in retirement. His mission is to ensure people can sleep soundly knowing they have a solid plan in place, covering both financial and lifestyle aspects of retirement. A Certified Financial Planner and Certified Exit Planning Advisor, he values true wealth as more than money—it's about creating meaningful experiences with loved ones and fostering opportunities for the future. You can reach out to Joe through: LinkedIn: https://www.linkedin.com/in/curryjoe Website: https://www.retirementplanningsimplified.ca/ https://matthewsandassociates.ca/ https://www.facebook.com/RetirementPlanningSimplified/ ABOUT RETIREMENT PLANNING SIMPLIFIED Founded in 2022, its mission is to empower people to plan for retirement confidently, focusing not only on finances but also on a meaningful life. RPS wants everyone to have access to simple, reliable tools that reflect their values and priorities, helping them create True Wealth—the freedom to do what they love with those they love. By simplifying retirement planning and aligning it with the retiree's purpose, RPS aims to support building a retirement that feels fulfilling and secure. To know more about RPS you can visit the links below: LinkedIn: https://www.linkedin.com/company/retirement-planning-simplified/ Instagram: https://www.instagram.com/retirement_planning_simplified Podcast/Blog: https://www.retirementplanningsimplified.ca/blog Youtube: https://www.youtube.com/@retirementplanningsimplified DISCLAIMER Opinions expressed are those of Joseph Curry, a registrant of Aligned Capital Partners Inc. (ACPI), and may not necessarily be those of ACPI. This video is for informational purposes only and not intended to be personalized investment advice. The views expressed are opinions of Joseph Curry and may not necessarily be those of ACPI. Content is prepared for general circulation and information contained does not constitute an offer or solicitation to buy or sell any investment fund, security or other product or service.
In this episode, John Kain, director of financial services market development at AWS, shares how insurers are moving beyond traditional generative AI toward intelligent, autonomous workflows that can … Read More » The post EP. 108: How Agentic AI is Supercharging the Insurance Workforce appeared first on Insurance Journal TV.
In this episode, John Kain, director of financial services market development at AWS, shares how insurers are moving beyond traditional generative AI toward intelligent, autonomous workflows that can … Read More » The post EP. 108: How Agentic AI is Supercharging the Insurance Workforce appeared first on Insurance Journal TV.
In this episode, John Kain, director of financial services market development at AWS, shares how insurers are moving beyond traditional generative AI toward intelligent, autonomous workflows that can … Read More » The post EP. 108: How Agentic AI is Supercharging the Insurance Workforce appeared first on Insurance Journal TV.
Radio Paranormal Singapore presents Tales after Twilight - a haunting anthology of stories, inspired, adapted, and reimagined from the darkest corners of the web, and the places nightmares call home. This episode is narrated, or scare-rated by the RPS team of Tim and Shyam along with a special guests - Radio DJs Nat Koh and Shawnrick Hu from Kiss 92 FM. If you have submissions of your own, allow us to bring them to life. Reach out to us on facebook or via email - radioparanormalsingapore@gmail.com.This episode is produced by Tim Oh.
2 hour and 10 minutes The Sponsors Thank you to Underground Printing for making this all possible. Rishi and Ryan have been our biggest supporters from the beginning. Check out their wide selection of officially licensed Michigan fan gear at their 3 store locations in Ann Arbor or learn about their custom apparel business at undergroundshirts.com. Our associate sponsors are: Peak Wealth Management, Matt Demorest - Realtor and Lender, Ann Arbor Elder Law, Michigan Law Grad, Human Element, Sharon's Heating & Air Conditioning, The Sklars Brothers, Champions Circle, Winewood Organics, Community Pest Solutions, Venue by 4M where record this, and Introducing this season: Radecki Oral Surgery, and Long Road Distillers. 1. Offense vs Washington Starts at 1:05 Pay no attention to the background noise from the drag show at Venue. This game was vanilla and we like that. Bryce Underwood had a fabulous day despite losing about 50 yards from drops. There seems to be a big difference between Road Bryce and Home Bryce. Michigan didn't take many deep shots because the short stuff was working great and Washington has tall corners. The remaining road games shouldn't be nearly as threatening as the previous three. The game is over but they have a designed run for Bryce? Jordan Marshall isn't Justice Haynes but he gets a lot of yards after contact. He's still working on re-gapping but overall an excellent first start for him. Jasper Parker looked fine. Under Harbaugh not much changed between offensive coordinators, but with Chip Lindsey a lot has changed already. He was dealing in the first touchdown drive. When's the last time we came out of a game thinking "oh wow they nuked the defensive coordinator?" How do we feel about going for it on 4th down and passing it to Mr. Dropsies? Running it up the middle is probably a 70% conversion, throwing it to Semaj is also a 70% conversion but for different reasons. Evan Link looks to be done for the year. Bryce's first scramble was Frazier getting knocked backwards, he seems fine but doesn't quite have the oomf that Evan Link does. Zack Marshall had a great game, what happened to the starting tight ends? Overall the offensive line was fine. 2. Defense vs Washington Starts at 34:40 The defense only gave up seven points but everyone is still a little mad. Michigan runs a pretty vanilla defense and it works nicely because college quarterbacks are going to make mistakes. Oden did intercept the ball but uhh... it was not because of his performance. Washington shot themselves in the foot but also Jaishawn Barham was much more responsible. Wink is not forgiven but it was nice that this game plan was simplified and it was fine. A lot of defensive tackle rotation but not everybody is a play maker. Is Lou Esposito the one rotating the tackles so much? Maybe part of the chaos on defense is you don't get used to playing next to the same guy every snap. This will not be a -33 RPS day. Jyaire Hill is not getting targeted very much. 3. Hot Takes, Game Theory, and Special Teams Starts at 58:19 Takes hotter than the bangin' drag show going on during the recording of this podcast. Brian apologizes once again for changing "AHHH YOU PUT IT THROUGH THE UPRIGHTS" and disrupting the cosmic balance. Zvada misses another field goal but gets the game sealer. Punting was a 35 yarder and then a rocket. No major complains about Semaj on punt returns except that he hit the spin button at the wrong time. The 4th and 1 drop to Semaj was unfortunate. What about the 4th and 2 on the 6? The whistle blew too early. Max Bredeson's holding call is the worst holding call since that Northwestern holding call. Stadium vibe: some people could actually use their phones! It should not take nine minutes to get a $9 coke, the athletic department doesn't pay close attention to the small things. Apparently concession people at Yost don't get paid but the athletic department can finally install cell phone towers at Michigan Stadium after 11 years under Warde. 4. Around the Big Ten with Jamie Mac Starts at 1:26:57 Iowa 25, Penn State 24 The nicest thing you can say about Penn State is that a lot of big programs are in collapse. Drew Allar's career is over, Ethan Grunkemeyer throws for 93 yards and throws two interceptions. Iowa threw for 68 yards but ran for 245 yards, Iowa should just run the triple option! UCLA 20, Maryland 17 You gotta respect Maryland's commitment to one Army drive and then not doing a thing after. UCLA looked like the better team all game. This was a Big Ten [wild wild] West game. This is Maryland's third straight heartbreaking loss, they can't finish games with a freshman QB. There's still a path to a bowl. Indiana 38, Michigan State 13 Shout out to everyone who listened to this on Spartan Radio. Indiana's offense was extremely efficient. Fernando Mendoza was 24/28 for 332 yards and four touchdowns. Indiana football fans were mad that they weren't winning by more. Did Indiana give up enough passing yards to be concerned with playoff implications for the Hoosiers? Northwestern 19, Purdue 0 Northwestern gets one 76 yard scoring drive and that's about all the scoring in this game. Don't let the score fool you into thinking that Northwestern has figured something out. Notre Dame 34, USC 24 USC takes a 3rd quarter lead followed by Notre Dame getting a kickoff return. Then USC just falls apart in the 4th quarter. This was frustrating to watch as a Michigan fan. Ohio State 34, Wisconsin 0 134 total yards for Wisconsin and that's generous. Oh god they play Oregon next weekend. Minnesota 24, Nebraska Dylan Raiola is sacked nine times, that's too many times. Nebraska had just entered the top 25 and has now exited the top 25. A left tackle was ejected for targeting! Shout out to Minnesota fans for really filling the stadium on a Friday night. Oregon 56, Rutgers 10 14 different Oregon players went for at least 10 yards on a play. Oregon was very upset about their Indiana game. Somehow there wasn't a rutger. Oregon had 233 breakaway yards, Rutgers had 202 total yards. MUSIC: "Brand New Second Hand"—Peter Tosh "It's Not Easy"—Ofege "Plain as Your Eyes Can See"—Jim Sullivan “Across 110th Street”—JJ Johnson and his Orchestra
Episode 359 of RevolutionZ considers the possibility that the biggest barrier to change isn't raw power, but a story that many people have swallowed about what's possible? The idea that there is no alternative. That victory is a pipe dream. The associated chapter of the The Wind Cries Freedom considers how cynicism is manufactured, why it passes for “realism,” and how organizers in the oral history's revolutionary process flipped the script by pairing a credible vision with messengers who modeled rigor, empathy, and staying power.Andre Goldman answers Miguel Guevara's questions in this chapter by describing how schools, media, and workplace hierarchies train us to expect little and accept less. From there, Goldman considers the limits of purely defensive mobilizations. To push back against a figurehead can matter, but it could also leave intact the belief that the underlying order is inevitable. Goldman tells how a pivotal turning point arrived for the movement for a revolutionary participatory society when evidencing the logic of hope became a central priority and activists learned to couple a vision of a principled and feasible future with an associated strategy and priorities until dissent began to signal seriousness rather than naivety and wisdom rather than delusion.Miguel asks Andre about RPS's militarism boycott as a kind of case study. Andre tells how campus divestment was forced by student activism and felt like a major win until research quietly migrated into private spin-offs. Andre then tells how the RPS approach: transformed to address not just colleges but also corporations and how it learned to protect jobs while reassigning funds from weapons to green transit, schools, clinics, and renewable energy. He describes how the movement discovered and becoming adept at explaining why elites often prefer military budgets over social investment—not for defense or even for offense, but mostly because public goods empower workers and reduce elite leverage, whereas military production does the opposite. At the same time, in context of the on-going campus organizing about guns and militarism Goldman describes arguing with students about open carry and coming to realize how the open carry debate was more a clash of premises than of values. When a student or townsperson assumes permanent danger, everyone having guns on display can look “rational” as a deterrent against mass shooters who will then know they will get quickly picked off. One side believes a far far less violent society is possible so no open carry, indeed, no to guns more widely. The other side believes that violence is inevitable so that having a gun is one's only defense. The lesson that premises divide dissenters and defenders of oppressive ways changes the argument from moral differences and judgments to differences over the facts of the matter. This then tended to get generalized to fossil fuels, borders, and foreign policy. RPS learned to address vlues, of course, but also the upstream fictitious beliefs that make harmful conclusions feel inevitable to system defenders.Miguel next draws out Andre about the human side of durable movements, about the need to build confidence, to design for joy and care, and to create visible wins that prove agency. If you've ever felt that critique is endless but change feels out of reach, Andre Goldman's stories in this chapter of the roal history show a path for turning analysis into action, and for turning despair into informed hope..Support the show
In this message Angie Pierce delivers a powerful message on unforgiveness. She takes a look at the words of Jesus in Matthew 5 navigating a few verses in the text seeing how the words of Jesus can help us today in this area. We pray this message blesses you as it did for us! Join the RPS family by following us on IG @readprayshare for weekly events to fellowship with us. Be encouraged!
In this message Shawn Pierce delivers another great message where he is now looking at a passage in Galatians 2. He navigates the text seeing what we can learn for our journeys today. We pray this message blesses you as it did for us! Join the RPS family by following us on IG @readprayshare for weekly events to fellowship with us. Be encouraged!
In this message Shawn Pierce takes a look at Ephesians 6 where he navigates the topic of spiritual warfare and how we can approach this topic in our personal lives and journey. We pray this message blesses you as it did for us! Join the RPS family by following us on IG @readprayshare for weekly events to fellowship with us. Be encouraged!
The Sponsors We want to thank Underground Printing for starting this and making it possible—stop by and pick up some gear, check them out at ugpmichiganapparel.com, or check out our selection of shirts on the MGoBlogStore.com. And let's not forget our associate sponsors: Peak Wealth Management, Matt Demorest - Realtor and Lender, Ann Arbor Elder Law, Michigan Law Grad, Human Element, Sharon's Heating & Air Conditioning, The Sklar Brothers, Winewood Organics, Community Pest Solutions, Radecki Oral Surgery, Long Road Distillers, and SignalWire where we are recording this. Featured Musician: Rawhide THE VIDEO: [After THE JUMP: Things discussable.] --------------------- 1. Washington Preview: Offense starts at noon, we hope Massive respect for their skill positions, not so much their offensive line, which means this game will mostly be a test of whether Wink learned anything from last week, or cares to now that he's put his football career on life support. 2. Washington Preview: Defense starts around 12:15 PM Not the offense. D'Anton Lynn is on the Ravens tree but he's not having the same success, mostly because they can't seem to get the defensive line up to size. Devan Thompkins is 290, Jide Abasiri is 295. Edges were highly ranked (Anthony Lucas was a pre-Elston Michigan target) but sophomore Kameryn Crawford isn't panning out like a top-100 is supposed to. They added Portal #25 Keeshawn Silver from Kentucky and a 5-star freshman, but they haven't changed that math, and are getting pushed around. We do still like Kamari Ramsey, who came with Lynn from UCLA and has been playing nickel this year. Cornerbacks are tall. 3. Hoops and Hockey Check-In starts around 12:30 PM Hockey is off to a hot start after a two-game road sweep of Providence, though having to come back against Robert Morris last night put the first little damper on it. Basketball starts tonight with an exhibition against Cincinnati at Crisler that will be our first look at the transfers. Question #1 is how physical will they be up front, because Cincy has a brawler. Will they try three bigs? 4. USC After Review starts around 1:00 PM I had three RPS-3s, two for screens and one for the Power after the 3rd & 26 and TD, which were both Power, when Wink ran an exotic that had no chance against Power. If they can cut out half of their shit and get their best players (read: seniors like TJ Guy) on the field, they should be able to get righted. Offensively it was a better performance than 13 points. There weren't that many drives, and Bryce struggled. His passes might be flat because he's getting sped up (Gardner has been in that position). Marshall missed two big cuts that Haynes makes. OL was okay; El-Hadi's return wasn't great, there were some mistakes from Guarnera, but USC's defense didn't ask Sprague to do too much and he did well, and Link had MAs but wasn't straight-up beat. Brian doesn't blame Bryce for the interception—once the WR wins inside he's going to win the route—but the throw to Marsh could have put him in the endzone if Bryce is feeling confident in his throw. Maybe give him some max pro to Featured Artist: Rawhide (formerly Girl Fight) Last May someone was carrying a tom into Ziggy's with a bumper sticker that read if "If you don't like Motörhead Fuck you" with American and British flags on it. My one friend snapped a photo and sent it to our group for commentary from the guy who founded (and sold) an MGoBlog-sized site about metal music. This thread of college roommates/bandmates/best friends is like 10% Michigan sports, 20% Xennial parent shit, and 70% music shit, meaning music prompts can result in 42-message threads that the college football guy in the middle of writing a college football preview magazine might not get to until he's trying to clear unread notifications many months later. This is how I found I had missed the group discovering a new genre/EP called Michigan Fuzz Punk by Rawhide, a two-piece (Ellen Cope and Jacob Bloom) Michigan band formerly known as Girl Fight. What I know about them comes from this column. The EP is pay what you may ($13.10 is fair). Anyway this is me talking about Michigan Fuzz Punk, which is both an excellent description of the genre and the EP's title. I am a total tourist in this genre so I'll refrain from talking about it like I know shit about shit, except I'm super intrigued to see what this is actually like live since the recordings only hint at it. I'll say the song Reach Me kicks and it's hilarious that "Greta is a Punk" and "Paige's Song" are the same song. Songs: "Stone Cold" "Reach Me" "Clocked In" Also because Across 110th Street will get our Youtubes taken down, the opener and outro: “The Employee is Not Afraid”—Bear vs. Shark “Ruska Vodka”—Motorboat
In this episode of Your Retirement Planning Simplified, Joe breaks down the five and a half guaranteed retirement income sources every Canadian should understand—from CPP and OAS to pensions and annuities. Learn how to build a dependable retirement income floor so you can retire with confidence and weather any market conditions. Key Takeaways from this Episode Defined Benefit Pensions – A disappearing but powerful guaranteed income source, backed by employers or plan sponsors. Know your plan's funding health and inflation protection. Canada Pension Plan (CPP) – One of the most reliable lifetime income streams. Delaying CPP can act as “longevity insurance,” boosting payments by 8.4% per year after age 65. Old Age Security (OAS) – Government-funded and guaranteed, but subject to clawbacks for higher-income retirees — making tax-efficient withdrawal strategies critical. Annuities – Think of these as “do-it-yourself pensions.” You exchange a lump sum for guaranteed lifetime income, ideal for those who value simplicity and peace of mind. Guaranteed Minimum Withdrawal Benefits (GMWBs) – Hybrid investment-insurance products that can provide guaranteed income while keeping you invested, though often with complexity and higher fees. Bonus (“Half”) Sources: GIS for lower-income retirees and rental income, which may feel stable, but lacks a true guarantee. Ready to take the next step? Identify your retirement income style with the RISA questionnaire at https://account.myrisaprofile.com/invitation-link/88QG1TMQ12 Want a retirement plan that adapts as your life evolves? Discover our True Wealth Roadmap — a step-by-step process to align your finances with your ideal retirement. Learn more at https://matthewsandassociates.ca/our-process/ Don't forget to like, comment, and subscribe for more simplified retirement planning insights! ABOUT JOE CURRY Joseph Curry, also known as Joe, is the host of Your Retirement Planning Simplified, Canada's fastest-growing retirement planning podcast, where he provides accessible, in-depth financial advice. As the owner and lead financial planner at Matthews + Associates in Peterborough, Ontario, he is committed to helping people secure both financial stability and purpose in retirement. His mission is to ensure people can sleep soundly knowing they have a solid plan in place, covering both financial and lifestyle aspects of retirement. A Certified Financial Planner and Certified Exit Planning Advisor, he values true wealth as more than money—it's about creating meaningful experiences with loved ones and fostering opportunities for the future. You can reach out to Joe through: LinkedIn: https://www.linkedin.com/in/curryjoe Website: https://www.retirementplanningsimplified.ca/ https://www.facebook.com/RetirementPlanningSimplified/ https://matthewsandassociates.ca/ ABOUT RETIREMENT PLANNING SIMPLIFIED Founded in 2022, its mission is to empower people to plan for retirement confidently, focusing not only on finances but also on a meaningful life. RPS wants everyone to have access to simple, reliable tools that reflect their values and priorities, helping them create True Wealth—the freedom to do what they love with those they love. By simplifying retirement planning and aligning it with the retiree's purpose, RPS aims to support building a retirement that feels fulfilling and secure. To know more about RPS you can visit the links below: LinkedIn: https://www.linkedin.com/company/retirement-planning-simplified/ Instagram: https://www.instagram.com/retirement_planning_simplified Podcast/Blog: https://www.retirementplanningsimplified.ca/blog Youtube: https://www.youtube.com/@retirementplanningsimplified DISCLAIMER Opinions expressed are those of Joseph Curry, a registrant of Aligned Capital Partners Inc. (ACPI), and may not necessarily be those of ACPI. This video is for informational purposes only and not intended to be personalized investment advice. The views expressed are opinions of Joseph Curry and may not necessarily be those of ACPI. Content is prepared for general circulation and information contained does not constitute an offer or solicitation to buy or sell any investment fund, security or other product or service.
Most retirees view mandatory RIF withdrawals as a tax trap—but what if they're actually a strategic advantage? In this episode, Joe Curry explains how smart RIF planning can reduce lifetime taxes, protect OAS and government benefits, and even help grow wealth. Learn how to use income smoothing, tax brackets, and the three-bucket strategy to master retirement income planning. Key Takeaways · RIF withdrawals aren't a punishment—they're part of a tax-deferred system designed for the decumulation phase of retirement. · Starting RRSP withdrawals early can smooth out income and prevent OAS clawbacks later in life. · The pension tax credit offers up to $2,000 in RIF withdrawals tax-free after age 65. · Using the three-bucket strategy—pre-tax, tax-free, and taxable—helps optimize annual withdrawals and minimize taxes. · Annual reviews are essential to adapt your withdrawal strategy as tax rules, income, and benefits change. —------------------------------------------------------------ Ready to take the next step? Identify your retirement income style with the RISA questionnaire at https://account.myrisaprofile.com/invitation-link/88QG1TMQ12 Want a retirement plan that adapts as your life evolves? Discover our True Wealth Roadmap — a step-by-step process to align your finances with your ideal retirement. Learn more at https://matthewsandassociates.ca/our-process/ Don't forget to like, comment, and subscribe for more simplified retirement planning insights! —------------------------------------------------------------ ABOUT JOE CURRY Joseph Curry, also known as Joe, is the host of Your Retirement Planning Simplified, Canada's fastest-growing retirement planning podcast, where he provides accessible, in-depth financial advice. As the owner and lead financial planner at Matthews + Associates in Peterborough, Ontario, he is committed to helping people secure both financial stability and purpose in retirement. His mission is to ensure people can sleep soundly knowing they have a solid plan in place, covering both financial and lifestyle aspects of retirement. A Certified Financial Planner and Certified Exit Planning Advisor, he values true wealth as more than money—it's about creating meaningful experiences with loved ones and fostering opportunities for the future. You can reach out to Joe through: LinkedIn: https://www.linkedin.com/in/curryjoe Website: https://www.retirementplanningsimplified.ca/ https://matthewsandassociates.ca/ https://www.facebook.com/RetirementPlanningSimplified/ ABOUT RETIREMENT PLANNING SIMPLIFIED Founded in 2022, its mission is to empower people to plan for retirement confidently, focusing not only on finances but also on a meaningful life. RPS wants everyone to have access to simple, reliable tools that reflect their values and priorities, helping them create True Wealth—the freedom to do what they love with those they love. By simplifying retirement planning and aligning it with the retiree's purpose, RPS aims to support building a retirement that feels fulfilling and secure. To know more about RPS you can visit the links below: LinkedIn: https://www.linkedin.com/company/retirement-planning-simplified/ Instagram: https://www.instagram.com/retirement_planning_simplified Podcast/Blog: https://www.retirementplanningsimplified.ca/blog Youtube: https://www.youtube.com/@retirementplanningsimplified —------------------------------------------------------------- Disclaimer: Opinions expressed are those of Joseph Curry, a registrant of Aligned Capital Partners Inc. (ACPI), and may not necessarily be those of ACPI. This video is for informational purposes only and not intended to be personalized investment advice. The views expressed are opinions of Joseph Curry and may not necessarily be those of ACPI. Content is prepared for general circulation and information contained does not constitute an offer or solicitation to buy or sell any investment fund, security or other product or service.
In this message Jorrion Wilson delivers an amazing bible study message to us. Jorrion takes a look at Paul's words in Galatians 5 where he is comparing and contrasting the work of the flesh (sinful nature) and the work of the Holy Spirit. Jorrion also gives us questions to reflect on throughout his message to truly evaluate what force we have been living by. We pray this message blesses you as it did for us! Join the RPS family by following us on IG @readprayshare for weekly events to fellowship with us. Be encouraged!
Note: I wanted a photo of Crippen but Flickr has a bug right now that won't let us access most of our images. Things Discussed: Nebraska: Hero is Greg Crippen, stretch blocker extraordinaire. M is a stretch team, which emphasizes your center. Playing two backup guards but they were good too (mostly—2 errors for Guarnera, 3 for Efobi). Link…sometimes he just doesn't know what he's doing, still leagues better than last year. When El-Hadi comes back who plays? Bryce Talk: Getting him rolling out, getting him comfortable, defenses are screen-hunting. Lindsey: Great gameplan, was calling it well, got Michigan a lot of Ws. Defense: Seeing young guys step up. Trey Pierce is a star in Run D, ended the first drive himself, was a big part of M's stretch defense. Cole Sullivan is a wow player who still makes mistakes but is going to be crazy good. Jayden Sanders: maybe he's just a starting cornerback. Worthy of trust out there. Gotta talk to Wink: It's not just the big things; what he was doing on the Hail Mary was far too cute. There were 14 RPS-1s in the charting, which means he was trying to be the playcaller who won the game. It shouldn't be about the playcaller. Ohio State at Washington: UW has a shot because they have those great skill position players. Jonah Coleman is the best RB in the Big Ten, Boston is the 2nd best WR in the country, and teams struggle going out west to that slippery field. But OSU tends to win these games, and they're a more complete team, even if they're not the same offense they've been, because UW has worse lines. Oregon-Penn State: Franklin will find a way to lose, PSU's season has holes that the scores don't tell.
Shawn Pierce delivers a powerful message from a familiar piece of text in the Book of Psalm. A Psalm that is realistic, relatable, and gives hope to us today. We pray this message blesses you as it did for us! Join the RPS family by following us on IG @readprayshare for weekly events to fellowship with us. Be encouraged!
This week we are hearing from one of RPS very own, Jorrion Wilson. Jorrion brought a powerful impactful, and also a interactive message on WISDOM! We pray this message blesses you as it did for us! Join the RPS family by following us on IG @readprayshare for weekly events to fellowship with us. Be encouraged!
This week we are hearing from one of RPS very own, Jorrion Wilson. Jorrion brought a powerful and impactful message from Proverbs 3:5! We pray this message blesses you as it did for us! Join the RPS family by following us on IG @readprayshare for weekly events to fellowship with us. Be encouraged!
Radio Paranormal Singapore presents Tales after Twilight - a haunting anthology of stories, inspired, adapted, and reimagined from the darkest corners of the web, and the places nightmares call home. This episode is narrated, or scare-rated by the RPS team of Tim, E.T, Shyam along with a special guest - Singapore Radio DJ Yumiko Kayahara. If you have submissions of your own, allow us to bring them to life. Reach out to us on facebook or via email - radioparanormalsingapore@gmail.com.This episode is produced by Tim Oh.
Radio Paranormal Singapore presents Tales after Twilight - a haunting anthology of stories, inspired, adapted, and reimagined from the darkest corners of the web, and the places nightmares call home. This episode is narrated, or scare-rated by the RPS team of Tim, E.T, Shyam along with a special guest - Singapore Radio DJ Yumiko Kayahara. If you have submissions of your own, allow us to bring them to life. Reach out to us on facebook or via email - radioparanormalsingapore@gmail.com.This episode is produced by Tim Oh.
In the 2nd hour Jeff talks about grilling and then RPS nonsense.
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 Picture The D Governors are destroying their states by pushing the green new scam, utility costs are rising and the people are noticing. This Labor Day fuel prices are now lower than 2020. The battle has begun and Trump made the first move in firing Lisa Cook, this will determine who will have the control over the creation of currency. The [DS] have been planning a major [FF] before the midterms, they cannot allow Trump win. Trump knows the playbook and is dismantling many of the pieces to the [FF] to limit what the [DS] has planned. Trump is building the narrative that he will be going into Chicago next. Trump messaged the people that everything is being put into place to win the midterms. Stage has now been set. Economy Governor Murphy's Green New Deal Exacerbates NJ Energy Crisis New Jerseyans are feeling the pain of higher electricity bills. They should blame Governor Phil Murphy and the New Jersey Board of Public Utilities (BPU) for inviting this energy crisis. The BPU was slated to approve a 20% rate hike in June, but delayed the rate hike until September 30. On August 14, the BPU announced a $100 Residential Universal Bill Credit to help lower bills in September and October. This is a way to use taxes to disguise the cost of utility bills, but New Jerseyans are still shouldering these costs. When announcing this relief measure, Governor Murphy didn't accept responsibility for higher prices. Instead, he blamed PJM Interconnection, a grid operator servicing New Jersey and 12 other states, for creating a “cost crisis.” Earlier this summer, he urged residents to set their air conditioners to 76-78 degrees Fahrenheit and delay appliance usage until 8 p.m. But Garden Staters aren't buying what Murphy is selling. Since Governor Murphy entered office in 2017, six power plants—including five coal plants and Oyster Creek nuclear reactor—were shut down. This represents a loss of 2,500 megawatts (MW) of net capacity. As a result, the state consumes more energy than it produces. It imported 20% of its electricity from out-of-state power generators—namely, Pennsylvania. Imported electricity is more expensive due to higher fuel and transmission costs. One analysis found NJ's green “transition” “has outpaced its replacement infrastructure, raising concerns about grid stability, cost volatility, and energy independence.” Yet, there is no transition occurring. Natural gas and nuclear have cumulatively supplied over 90% of the state's net electricity generation since 2011. Renewables, including solar, barely supply 8%. But don't take my word for it. States with clean energy mandates—including renewable standard portfolios (RPS) that mandate electric utilities set renewable energy targets—generally have higher electricity costs compared to states without them. As of this writing, New Jersey electricity rates are the 12th most expensive in the nation, averaging 20.49¢ per kilowatt-hour (kWh). That's 17.3% higher than the national average (17.47¢ per kWh). For context, the average American household uses about 10,800 kWh annually. Source: thegatewaypundit.com (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/WhiteHouse/status/1961107774386934217 2024 $3.29
Episode 351 of RevolutionZ introduces a special journey as Miguel Guevara and his 18 Interviewees convey chapters from "The Wind Cries Freedom," an as yet unpublished novel that reimagines how revolutionary change might unfold in America.The novel is thus an oral history of a future American revolution. As such the book is fiction but it works hard to sound like (future) historical fact. It is personal and dramatic but it doesn't emphasize entertainment or character exploration. It instead taps dramatic personal stories to convey the contours of revolutionary change by reporting how a movement called Revolutionary Participatory Society (RPS) transforms an imagined near-future America. This first episode in the sequence presents the introduction and the first chapter of the book. We meet Miguel Guevara, whose activist parents named him after Che, and who undertakes this oral history project to understand how "the next American Revolution is succeeding. After Guevara explains the logic and motives that guide his questions, Chapter One jumps to near the book's endpoint to recount a conversation with then newly-elected President Malcolm King and Vice President Celia Noether who reflect on their electoral victory and on what they deem the far more important prior grassroots activism and organization as well as the movement's plans for continued transformation. There are twenty four more chapters to address all that, from conversations to marches, sit-ins, blockades, strikes, occupations, and more.The Wind Cries Freedom weaves together personal stories with strategic insights. It explores RPS emerges and grows. How its activists organized and faced and overcame obstacles through collective action rather than individual heroism. The oral history explores a vision of revolutionary change thought the experiences and feelings of its practitioners. It challenges us to see ourselves not as passive observers but as potential makers of history. I hope listeners will share your thoughts and questions via email or in the ZNet Discord channel. Miguel assembled testimonies. Whether and how the imagined future's lessons will be assimilated, corrected, augmented, and otherwise refined to aid our current efforts is up to us.Support the show
Radio Paranormal Singapore presents Tales after Twilight - a haunting anthology of stories, inspired, adapted, and reimagined from the darkest corners of the web, and the places nightmares call home. This episode is narrated, or scare-rated by the RPS team of Tim, E.T, Shyam along with a special guest - Singapore Radio DJ Yumiko Kayahara. If you have submissions of your own, allow us to bring them to life. Reach out to us on facebook or via email - radioparanormalsingapore@gmail.com.This episode is produced by Tim Oh.
This week we are hearing from one of RPS very own, Angie Pierce. Angie brought a powerful and impactful message that left us all in thought about the sacrifice that Jesus made for us on the cross. The message this week is titled “Let His (Jesus)Sacrifice Settle In & On Your Heart”. We pray this message blesses you as it did for us! Join the RPS family by following us on IG @readprayshare for weekly events to fellowship with us. Be encouraged!
This week we are hearing from one of RPS close friends, Pastor Kevin McKenzie. Pastor Kevin brought a powerful and impactful message that left us all challenged. The message this week is titled “The Kingdom Is Here”. We pray this message blesses you as it did for us! Join the RPS family by following us on IG @readprayshare for weekly events to fellowship with us. Be encouraged!
This week we are hearing from one of RPS very own, Angie Pierce. Angie brought a message this week that could be seen in some ways as a follow up from her message last week titled “Beautiful Feet - Until All Have Heard”. The message this week is titled “Let Your Light Shine”. We pray this message blesses you as it did for us! Join the RPS family by following us on IG @readprayshare for weekly events to fellowship with us. Be encouraged!
Our guest today is Angus Donald, author of the Outlaw Chronicles, about a medieval gangster called Robin Hood, a 17th-century series about an unusual but rather brilliant chap called Holcroft Blood. And writing as Angus Macallan, he has also tried his hand at fantasy with the Gates of Stone.We previously had Angus on the podcast to talk about his Fire Born series, set in 8th century Europe. His newest book, out at the end of August, is Templar Traitor, the first in a trilogy based on the true story of an Englishman who fought with the Mongols on the side of Genghis Khan.Welcome to RPS, Angus.https://angusdonaldbooks.com/Buy Templar Traitor from the RPS Bookshop (affiliate link): https://uk.bookshop.org/a/14768/9781835980903Link Tree: https://linktr.ee/RockPaperSwords Support us on Patreon: https://www.patreon.com/RockPaperSwordsPodcast Buy us a beer and get a shoutout by heading to https://ko-fi.com/rockpaperswords Tips for Writing, Publishing and Marketing Your Novel: How we sold over 750,000 books!https://mybook.to/RPSTipsForWriting
Send us a textCRO veteran Dylan Ander (Founder, heatmap.com) joins Jordan to spill the never-before-shared story of how he landed heatmap.com by acquiring an entire C-Corp—and why the name matters for brand authority, SEO, and inbound. We break down why GA4 falls short for eCommerce, how definitions (sessions, idle windows, engagement) skew your numbers vs Shopify, and what to use when you need buyer-truth, not vanity metrics.Dylan unveils element-level revenue analytics—Revenue per Click (RPC) and Revenue per Session (RPS)—plus the coming Revenue per View (RPV), so you can prioritize changes that actually increase cash, not just clicks. We dig into pixel-level behavior tracking (no cookies, no PII), AI insights that call out underperforming elements (e.g., a specific FAQ item), and how to catch bugs and bot traffic before they burn revenue.We also get tactical on replacing Google Optimize, the realities of SaaS pricing (and why “McDonald's pricing” works), and the rise of social search (TikTok as a top search engine) shaping product discovery more than LLM/Chat. If you own a P&L for a DTC brand—or you're the CRO/performance lead—this episode will make you money.What you'll learn→ How Dylan cold-outreaches to acquire companies & premium domains (the “urgent, must speak to founder” play)→ Why GA4 under-/over-reports vs Shopify—and how definitions (idle windows, engagement) distort truth→ The RPC/RPS (and coming RPV) metrics that finally connect elements → revenue→ Pixel-level behavior tracking (no cookies/PII) + AI insights that tell you exactly what to change→ Social search optimization (TikTok search often beats LLM/Chat for product discovery)→ Replacing Google Optimize and building reliable A/B workflows in 2025→ The real cost drivers behind SaaS pricing—and how to price without burning trust→ Bot/junk filtering and defining a “session” that reflects buyers, not noiseWho this is for→ DTC/eCommerce founders & growth leaders→ CROs, performance marketers, and Shopify teams→ SaaS operators curious about pricing, PLG, and analytics positioningTimestamp:00:00 Intro & why this convo matters for DTC02:00 The C-Corp acquisition story behind heatmap.com06:30 Exact-match domains, SEO, and the inbound engine09:20 GA4 vs Shopify: definitions that change your numbers16:30 RIP Google Optimize: reliable A/B testing in 202518:50 Element-level revenue: RPC, RPS (and RPV coming)22:30 Pixel-level tracking & AI insights (no cookies/PII)26:15 Catching bugs + filtering bots/junk traffic28:40 Social search: TikTok as a top product discovery engine31:20 SaaS pricing & the “McDonald's” strategy36:40 Who should use revenue-based heatmaps (and why)44:30 Contrarian analytics takes you need to hear55:10 Personal: life, music, and loving the gameGuestDylan Ander — Founder, heatmap.com (revenue-based heatmaps, funnels, analytics for ecom). Mentions his upcoming book, Billion Dollar Websites.
Today's guest is author, J.C. Duncan. He is the author of The Last Viking Series of novels about Harald Hardrada and the The Light of the North saga, a historical fantasy series set in a world where the Vikings clash with Christian Crusaders. As well as writing, J.C. Duncan is also a bladesmith and there can't be much cooler than forging blades!Justin of course had a novel about Harald Hardrada, so I think this is going to be a very interesting chat!Welcome to RPS, J.C. Duncan.https://jcduncan.co.uk/https://lorescape.gg/get/Link Tree: https://linktr.ee/RockPaperSwords Support us on Patreon: https://www.patreon.com/RockPaperSwordsPodcast Buy us a beer and get a shoutout by heading to https://ko-fi.com/rockpaperswords Tips for Writing, Publishing and Marketing Your Novel: How we sold over 750,000 books!https://mybook.to/RPSTipsForWriting
Send us a textMelanie Leech CBE, British Property Federation CEO joins Anna Clare Harper.In Anna's words:‘35% of no new homes is still nothing.'People love to blame planning for our housing crisis.But it's only half the story.You also need to:Tackle construction cost inflationManage skills and labour shortagesNavigate new regulations (eg building safety, net zero)Make the numbers work with 35% ‘affordable' requirementsI loved chatting with Melanie Leech CBE, Chief Executive of the British Property Federation, about the blockers and opportunities in real estate today.Melanie is one of those rare leaders who instantly earns trust: diplomatic, clear and genuinely passionate about making things better - not just talking about it. Key takeaways include:Policy stability matters as much as policy content.Housing remains investable and is evolving fast. Those who understand new delivery and ownership models (e.g. for-profit RPs, JVs) will unlock huge opportunities. The new Building Safety Regime is a major bottleneck. Emerging leaders must understand how these rules affect delivery timelines and project viability.Guest website: https://bpf.org.uk/about-us/board/Guest LinkedIn: https://www.linkedin.com/in/melanie-leech-58053218/Host LinkedIn: https://www.linkedin.com/in/annaclareharper/Host website: greenresi.com
https://linktr.ee/RockPaperSwords Support us on Patreon: https://www.patreon.com/RockPaperSwordsPodcast Buy us a beer and get a shoutout by heading to https://ko-fi.com/rockpaperswords Adam Lofthouse is the author of action-packed historical fiction set in ancient Rome, such as The Path of Nemesis trilogy, and The Enemy of the Empire books. His latest series, The Shadow of Rome, starts with Eagle and the Flame, which is out soon.Welcome to RPS, Adam Lofthouse!Buy Adam's books: https://www.adamlofthouse.com/ Other books mentioned:The Complete Roman Army by Adrian Goldsworthy:https://amzn.eu/d/6B3ABys24 Hours in Ancient Rome: A Day in the Life of the People Who Lived There by Dr Philip Matyszak: https://amzn.eu/d/5UI6O7oSex and Sexuality in Ancient Rome by L.J. Trafford: https://amzn.eu/d/9pX9Aew
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