POPULARITY
Categories
San Francisco Fed President Mary Daly talks inflation, policy, and the path of the economy. Schwab's Kevin Gordon weighs in on this week's market action. Dan Ives of Wedbush breaks down Tesla's Robotaxi momentum and IBM's recent breakout. Meta CTO Andrew Bosworth talks the company's AI push, competition with defense contractors, and joining the U.S. Army Reserve. Our Pippa Stevens reports on the high-stakes competition between states to land data centers—and what it's costing taxpayers.
Building on last week's discussion about why rolling over your old 401(k) into an IRA could be a smart move, this episode flips the script. It explores seven compelling reasons you might want to leave your 401(k) with your previous employer instead. I break down factors like fees, company stock advantages, penalty-free withdrawals, legal protections, and unique investment options that could all influence your decision. If you're approaching retirement or just planning your next career move, this episode is packed with insights to help you make the best choices for your financial future. You will want to hear this episode if you are interested in... [04:12] Leave company stock in 401k to use net unrealized depreciation, potentially saving on taxes via long-term capital gains. [08:55] Consider keeping company stock in an old 401(k) to avoid taxes and penalties if under 59.5 years. [10:01] IRA withdrawal exemptions and strategies. [16:01] Consider keeping your old 401 (k) for potential loan access, but check if your provider permits non-employee loans. [17:50] Deferring 401(k) distributions explained. When to Leave Your Old 401(k) With Your Previous Employer Changing jobs often means making quick decisions about retirement savings. While rolling over your old 401(k) into an IRA is a common choice, there are significant advantages to leaving it where it is. This week, I'm discussing the situations when maintaining your previous employer's retirement plan is advantageous. 1. Potential for Lower Fees If you worked for a large organization, their 401(k) plan might offer exceptionally low administrative and investment fees, especially if they've chosen robust menus with index fund options. While IRA costs have dropped due to strong competition among major financial institutions like Schwab, Fidelity, and Vanguard, some large employer plans still offer a lower cost. Always compare fees before making a move; sometimes, your old 401(k) will be the most cost-effective option available. 2. Tax Benefits of Company Stock (Net Unrealized Appreciation) Do you have significant company stock in your 401(k)? You could benefit from the unique tax break called Net Unrealized Appreciation (NUA). This allows you to pay lower long-term capital gains rates on your stock's growth instead of higher ordinary income rates. However, to take advantage of NUA, you must carefully roll out your stock and be mindful of any 10% penalty if you're under 59½. Know your stock's cost basis and consult with a tax professional to determine if waiting is best, especially if your cost basis is higher. 3. Penalty-Free Access Between Age 55 and 59½ Left your job between 55 and 59½? Here's a little-known benefit: you can tap your old 401(k) penalty-free before age 59½. If you roll the balance into an IRA, that door closes, unless you qualify for rare exceptions. This rule can be crucial if you need those funds to bridge the gap to retirement, so consider leaving at least part of your balance in the plan until you turn 59½. 4. Enhanced Creditor Protection Federal law (ERISA) offers 401(k) plans strong protection from creditors and judgments, even in bankruptcy. While rollover IRAs are also protected under federal and many state laws, the details can get complicated. Certain states may limit IRA protections, so it's wise to investigate your state's rules. Segmenting rollover IRAs from contributory IRAs can also help simplify tracking and protection. 5. Access to Stable Value Funds Some 401(k) plans offer stable value funds, a low-risk investment choice that often comes with a guaranteed minimum rate of return. While money market funds are currently paying more, that could change if interest rates drop. In lower-rate environments, stable value funds could offer an edge and a safe harbor for your retirement assets. 6. Possible Loan Availability Need to borrow against your retirement savings? Some plans allow you to take a loan from your 401(k), even after leaving the company. However, this isn't universal, since loan repayments are usually tied to payroll. Check with your plan administrator to see if this benefit applies; if it does, it could be an important safety net. 7. Required Minimum Distribution (RMD) Deferral if Still Working If you work past age 73, keeping your funds in a 401(k) with your current employer lets you defer required minimum distributions (RMDs). That's not the case with IRAs. Consolidating old 401(k)s into your current plan can simplify RMD timing and let your funds grow tax-deferred a bit longer. Make an Informed Move Rolling over your 401(k) may seem automatic, but there are times when staying put is the better choice. Carefully assess fees, tax implications, creditor protections, and your unique needs. Most importantly, consider working with a fiduciary, fee-only financial advisor who understands your entire financial picture. Resources Mentioned Retirement Readiness Review Subscribe to the Retire with Ryan YouTube Channel Download my entire book for FREE Charles Schwab Fidelity Vanguard Connect With Morrissey Wealth Management www.MorrisseyWealthManagement.com/contact Subscribe to Retire With Ryan
The New World Order, Agenda 2030, Agenda 2050, The Great Reset and Rise of The 4IR
Intelligence Notes: The Great Reset,The New World Order and Pandemic Sorcery. The World Health Organization, Rockefeller, Rothschilds, Schwab, the Bilderbergers et al. have all colluded together to forge a New World Babylonian Order.
My guest today on CREATIVE. INSPIRED. HAPPY is V.E. Schwab, #1 New York Times bestselling author of 25 books, including The Invisible Life of Addie LaRue. Her latest novel, Bury Our Bones in the Midnight Soil, is out now.Today, we talk about:* the curse of perfectionism and how Victoria copes with it,* fighting Imposter Syndrome,* why it's important to her to share both the victories and disappointments in publishing,* the part of Bury Our Bones in the Midnight Soil that Victoria re-wrote at the last minute, to the chagrin of her publisher,* why defining books in genres is a box that writers and readers should actively fight against,* which part of writing is her most hated, and which is her favorite,* whether her poetic prose comes in the first draft or later in the editing phase,* reading reviews of her own books,* and so much more.»(Plus a guest appearance in the video from one of Victoria's cats)Want more of Victoria?You can find Victoria on Instagram or check out her website to sign up for her newsletter. Her newest novel, Bury Our Bones in the Midnight Soil, is available in bookstores everywhere or from your favorite online retailer!
ACOFAE Podcast Presents: Bury our Bones in the Midnight Soil: "Hunger." In an ACOFAE first, Laura Marie went into this fantastic book completely blind and ended up not taking notes during either read through! An ACOFAE first! So what happened in this book that sucked Laura Marie in so completely that by the time she came up for air, over 60 pages had passed? If you read the back cover it's obvious, but Laura Marie did not so you can imagine the shock. Join Jessica Marie as she guides listeners and Laura Marie through a book that they could not stop gushing about. Marie, Alice, and Lottie take an adventure through time that is as complex as the need for human connection and as simple as hunger. The hunger is unending. TW / CW: domestic violence, toxic relationships For additional TW/CW information for your future reads, head to this site for more: https://triggerwarningdatabase.com/ Spoilers: Bury Our Bones in the Midnight Soil by V.E. Schwab, Legendborn Series by Tracy Deonn Mentions: Manacled by SenLinYu *Thank you for listening to us! Please subscribe and leave a 5-star review and follow us on Instagram (https://www.instagram.com/acofaepodcast/) at @ACOFAEpodcast and on our TikToks! TikTok: ACOFAELaura : Laura Marie (https://www.tiktok.com/@acofaelaura?) ( https://www.tiktok.com/@acofaelaura) ACOFAEJessica : Jessica Marie (https://www.tiktok.com/@acofaejessica?) (https://www.tiktok.com/@acofaejessica) Instagram: @ACOFAEpodcast (https://www.instagram.com/acofaepodcast/) https://www.instagram.com/acofaepodcast/ @ACOFAELaura (https://www.instagram.com/acofaelaura/) https://www.instagram.com/acofaelaura/
This week, Sam and Hannah are back from a heavy Memorial Day Weekend of reading, and Hannah's books, in particular, are once again well-coordinated. Even if they're a little hard to describe. Also, this is a solid Pride episode, sort of by mistake. Here's what's on tap: - "The Book of Records," by Madeleine Thien, which is as meaty a read as we've had in a while, full of philosophical truths and a building made of time. This is great stuff. - "Erasure," by Percival Everett, who is legitimately among the most important writers working today. This is the book that was made into the movie "American Fiction," but, as you might imagine, is even better than the movie. - "I'll Tell You When I'm Home," by Hala Alyan, who this time delivers a memoir grappling with her family's history of immigration, escaping Kuwait after the Iraqi invasion and coming to the U.S. This book shows you what generational trauma means. - "The Phoenix Pencil Company," by Allison King, a data privacy professional who's crafted a magical text about a family that can read pencil hearts (they stab it into their veins) that's perfect for Pride month. It's weird, yes. But new and different. - "Bury Our Bones in the Midnight Soil," by V.E. Schwab, which is an ode to Anne Rice — a vampire book — but doesn't really follow Rice's vampire rules, exactly (they're all lesbian vampires, which is different). The second half of this is pretty great. - Oh, and we're not going to tell you which book it is we disliked so intensely. See if you can figure it out. And there's no real good reason why this didn't get posted before June 10, other than Sam being in Iceland and not feeling like posting it. Sorry.
Jetzt liegen die EU-Verträge auf dem Tisch. Wie will die EU die zurückhaltende Schweiz überzeugen vom Abkommen? Fragen an EU-Parlamentarier Andreas Schwab. Bereits beim Abschluss der Verhandlungen nannte EU-Kommissionspräsidentin Ursula von der Leyen das Vertragspaket zwischen der Schweiz und der EU «historisch». Der Bundesrat und die Parteien reagieren deutlich nüchterner – auch diesen Freitag, als Aussenminister Ignazio Cassis den Vertragstext vorgestellt hat. Läuten in Brüssel bereits die Alarmglocken? Diese Frage geht an Andreas Schwab. Er vertritt die deutsche CDU im EU-Parlament, ist ein langjähriger Kenner der Schweiz und ein starker Befürworter des Abkommens. In der «Samstagsrundschau» diskutieren wir die strittigsten Punkte: Die Zuwanderung etwa. Teilt die EU bei der viel beachteten Schutzklausel gegen zu viel Zuwanderung die Interpretation des Bundesrats? Oder Thema Lohnschutz: Akzeptiert Brüssel die inländischen Massnahmen gegen Lohndumping? Gerade Andreas Schwab ist als Vertreter der süddeutschen Wirtschaft kritisch eingestellt gegenüber den Schweizer Massnahmen. Der EU-Parlamentarier Andreas Schwab aus Südbaden ist Gast bei Dominik Meier in der «Samstagsrundschau».
Today's podcast examines the billionaire class and whether it is inherently immoral to amass such wealth when poverty still affects so many around the world. Plus we discuss the live action Lilo & Sititch movie.
Kathy Jones and Liz Ann Sonders discuss recent unemployment data, the upcoming Fed meeting, and the performance of the Magnificent 7 stocks. Then, Liz Ann Sonders and Cameron Dawson, Chief Investment Officer of NewEdge Wealth, discuss the “muddiness” in the current economic data and the overall landscape, focusing on inflation, tariffs, consumer behavior, corporate margins, and the outlook for earnings. They explore the complexities of the bond market, foreign demand for US securities, and the implications of corporate balance sheets on the economy. Their conversation also highlights the importance of international diversification and strategic portfolio construction in uncertain times.You can read Liz Ann and Kevin's midyear report, “2025 Mid-Year Outlook: U.S. Stocks and Economy,” on schwab.com.On Investing is an original podcast from Charles Schwab. For more on the show, visit schwab.com/OnInvesting. If you enjoy the show, please leave a rating or review on Apple Podcasts.Important DisclosuresInvestors should consider carefully information contained in the prospectus, or if available, the summary prospectus, including investment objectives, risks, charges, and expenses. You can request a prospectus by calling 800-435-4000. Please read the prospectus carefully before investing.The information provided here is for general informational purposes only and should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned here may not be suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decision. All expressions of opinion are subject to change without notice in reaction to shifting market conditions. Data contained herein from third-party providers is obtained from what are considered reliable sources. However, its accuracy, completeness, or reliability cannot be guaranteed. Examples provided are for illustrative purposes only and not intended to be reflective of results you can expect to achieve. Diversification and asset allocation strategies do not ensure a profit and do not protect against losses in declining markets.Investing involves risk, including loss of principal. Performance may be affected by risks associated with non-diversification, including investments in specific countries or sectors. Additional risks may also include, but are not limited to, investments in foreign securities, especially emerging markets, real estate investment trusts (REITs), fixed income, municipal securities including state specific municipal securities, small capitalization securities and commodities. Each individual investor should consider these risks carefully before investing in a particular security or strategy.Forecasts contained herein are for illustrative purposes only, may be based upon proprietary research and are developed through analysis of historical public data.The information and content provided herein is general in nature and is for informational purposes only. It is not intended, and should not be construed, as a specific recommendation, individualized tax, legal, or investment advice. Tax laws are subject to change, either prospectively or retroactively. Where specific advice is necessary or appropriate, individuals should contact their own professional tax and investment advisors or other professionals (CPA, Financial Planner, Investment Manager) to help answer questions about specific situations or needs prior to taking any action based upon this information.Money market funds are neither insured nor guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although the fund seeks to preserve the value of an investment at $1.00 per share, it is possible to lose money by investing in the fund.Correlation is a statistic that measures the degree to which two securities move in relation to each other.Schwab does not recommend the use of technical analysis as a sole means of investment research. The book Stranger in a Strange Land is not affiliated with, sponsored by, or endorsed by Charles Schwab & Co., Inc. (CS&Co.). Schwab has not reviewed the book and makes no representations about its content.The comments, views, and opinions expressed in the presentation are those of the speakers and do not necessarily represent the views of Charles Schwab. All names and market data shown above are for illustrative purposes only and are not a recommendation, offer to sell, or a solicitation of an offer to buy any security. The policy analysis provided by the Charles Schwab & Co., Inc., does not constitute and should not be interpreted as an endorsement of any political party.Fixed income securities are subject to increased loss of principal during periods of rising interest rates. Fixed income investments are subject to various other risks including changes in credit quality, market valuations, liquidity, prepayments, early redemption, corporate events, tax ramifications, and other factors.Lower rated securities are subject to greater credit risk, default risk, and liquidity risk.Indexes are unmanaged, do not incur management fees, costs, and expenses and cannot be invested in directly. For more information on indexes, please see Schwab.com/IndexDefinitions.(0625-6XWH)
Suds and Schwab are back with Nick Sr in the guest chair — and for a team that's 23–45, there's somehow a lot to talk about.This episode hits everything from the recent youth movement to Getz's legacy (depending on who you ask, he's either a B or a straight-up F).Topics includeThe emergence of Meidroth, Teal, Vargas, Quero, and Shane SmithThe Grant Taylor bullpen debateWhy Alex Call (!!) leads all Sox prospects from the rebuild era in WAR this yearA full teardown of the 2017–2020 farm system failuresThe slow-motion saga of Jerry Reinsdorf's potential saleAnd yes, a few minutes of dreaming about Justin Ishbia, Paul Skenes, and Benetti all joining the Sox in 2029Somewhere in the chaos: Sammy Zavala is on fire, Gavin Sheets is hanging on, and the boys can't quite decide if Elko is a fringe guy or a real answer at first.Sit back, Relax, and Strap it down.White Sox Therapy.And if you enjoy the pod, drop us a 5-star rating and keep the therapy going.
Today's podcast examines the billionaire class and whether it is inherently immoral to amass such wealth when poverty still affects so many around the world. Plus we discuss the live action Lilo & Sititch movie.
Rebecca Schinksy, Vanessa Diaz, and Danika Ellis go deep on V.E. Schwab's highly anticipated new book to answer the question: So, is it good? Subscribe to the podcast via RSS, Apple Podcasts, and Spotify. Sign up for the Book Riot Podcast Newsletter and follow the show on Instagram and Bluesky. Get more industry news with our Today in Books daily newsletter. Tailored Book Recommendations has the chops to find the right read for your loved one this Father's Day. Gift TBR today starting at just $18! Check out Strong Sense of Place wherever you get your podcasts, or visit strongsenseofplace.com This content contains affiliate links. When you buy through these links, we may earn an affiliate commission. Discussed in this Episode: The Book Riot Live at Powell's July 9th: The Best Books of the Year (so far) Bury Our Bones in the Midnight Soil by V. E. Schwab Learn more about your ad choices. Visit megaphone.fm/adchoices
With the Fed decision just days away, Liz Ann Sonders of Schwab sets the stage for markets. Our Megan Cassella tracks progress in China trade talks, and Pippa Stevens asks: are minerals the new geopolitical currency? Francisco Blanch of Bank of America joins to break down the big moves in metals and oil. Later, former Kansas City Fed President Esther George previews what's next from the Fed. Plus: Sam Korus of ARK weighs in on SpaceX's soaring valuation—and we've got Oracle earnings after the bell.
Hello and welcome back to Books on the Brain. On this week's episode, Danielle and Deirdre interview V.E. Schwab to celebrate their latest release Bury Our Bones in the Midnight Soil (out now!) Want your voice heard in any of these conversations? You can send us a DM or comment on our Instagram @booksonthebrainpodcast! You can also send us an email at booksonthebrainpod@gmail.comWe upload weekly on Wednesdays, and you can find us individually Deirdre (she/her) @deirdrerosemorgan on Instagram & TikTok & YouTube, Danielle (she/her) @d.j.books on Instagram & TikTokhttps://linktr.ee/booksonthebrainpod?utm_source=linktree_admin_share
At Everyday Church, we're passionate about raising up the next generation—and that means putting the mic in their hands, not just talking about them. This week, Josiah Schwab—a 20-something young adult with a deep love for God's Word—brings a powerful message from John 15. In the second week of our Summer of Seeking series, Josiah challenges us to move beyond surface-level spirituality and into a deliberate, fruit-bearing relationship with Jesus. With honesty, biblical depth, and personal vulnerability, he walks us through what it really means to abide in the Vine—to cut off the things that are choking your soul and cling tightly to the One who gives life. Whether you're in a dry season or just hungry for more, this message will stir your spirit and remind you: fruit doesn't come from trying harder, it comes from staying closer. From Sunday 06.08.25
Vampirism is time travel. It's also tragedy and freedom and Queerness, and sex and death. We talk about all of these thing with V.E. Schwab, when we sink our teeth into her new epic novel, Bury our Bones in the Midnight Soil. It's the story of three women who lead complicated, violent, sensual lives across the centuries. The interconnect. They love. They kill. It wasn't the book I was expecting…and I loved it. I think you'll love this conversation too. Enjoy! Other books mentioned: The Invisible Life of Addie LaRue (2020), by V.E. Schwab Vicious (2013), by V.E. Schwab Carmilla (1872), by Sheridan Le Fanu The Buffalo Hunter Hunter (2025), by Stephen Graham Jones The Vampire Lestat (1985), by Anne Rice The Time Traveller's Wife (2003), by Audrey Niffenegger King of Ashes (2025), by S.A. Cosby Razorblade Tears (2021), by S.A. Cosby Support Talking Scared on Patreon Check out the Talking Scared Merch line – at VoidMerch Come talk books on Bluesky @talkscaredpod.bsky.social on Instagram/Threads, or email direct to talkingscaredpod@gmail.com Learn more about your ad choices. Visit megaphone.fm/adchoices
Host Jason Blitman welcomes bestselling author Victoria "V.E." Schwab for a conversation about her remarkable milestone—her 25th book, Bury Our Bones in the Midnight Soil. They discuss the profound power of names, exploring how identity shapes both fantasy storytelling and LGBTQIA+ narratives, the impact of representation in literature, and the moment that nearly drove Schwab to walk away from writing altogether. Later, Melissa Febos joins Jason as our Guest Gay Reader, calling in from her treadmill desk, to share what she's been reading as well as more about her new memoir, The Dry Season. Victoria "V.E." Schwab is the #1 New York Times bestselling author of more than twenty books, including the acclaimed Shades universe, the Villains series, the City of Ghosts series, Gallant, The Invisible Life of Addie LaRue and The Fragile Threads of Power. When not haunting Paris streets or trudging up English hillsides, she lives in Edinburgh, Scotland, and is usually tucked in the corner of a coffee shop, dreaming up monsters.Melissa Febos is the nationally bestselling author of four books, including Girlhood—which won the National Book Critics Circle Award in Criticism, and Body Work: The Radical Power of Personal Narrative. She has been awarded prizes and fellowships from the Guggenheim Foundation, LAMBDA Literary, the National Endowment for the Arts, the British Library, the Black Mountain Institute, the Bogliasco Foundation, and others. Her work has appeared in The Paris Review, The New Yorker, The New York Times Magazine, The Best American Essays, Vogue, The Sewanee Review, New York Review of Books, and elsewhere. Febos is a full professor at the University of Iowa and lives in Iowa City with her wife, the poet Donika Kelly. BOOK CLUB!Sign up for the Gays Reading Book Club HERE for only $1July Book: Disappoint Me by Nicola Dinan SUBSTACK!https://gaysreading.substack.com/ MERCH!http://gaysreading.printful.me PARTNERSHIP!Use code READING to get 15% off your madeleine order! https://cornbread26.com/ WATCH!https://youtube.com/@gaysreading FOLLOW!Instagram: @gaysreading | @jasonblitmanBluesky: @gaysreading | @jasonblitmanCONTACT!hello@gaysreading.com
In today's episode, I'm diving into a topic that's top-of-mind for anyone who's switched jobs: what should you do with your old 401(k) plan? I discuss five key reasons why moving them into an IRA could simplify your financial life, from consolidating accounts for better control to gaining access to a broader range of investment options, reducing fees, optimizing Roth and after-tax funds, and making it easier to work with a financial advisor. Whether you're planning your next career step or just want to make your retirement savings work harder for you, this episode is packed with practical advice to guide your decision. Stick around until the end, and don't forget to tune in next week when I cover situations where rolling over your 401(k) might not be the best choice! You will want to hear this episode if you are interested in... [00:00] Vested retirement funds offer four options: keep them in the plan, or withdraw and pay taxes [04:46] Rolling over a 401(k) to an IRA offers more control and access to your retirement funds, preventing forgotten accounts as you change jobs [06:41] Consolidate investments for simplicity and control; update records if keeping old retirement accounts [12:05] Convert Roth contributions to a Roth IRA to start the five-year period and ensure future gains grow tax-free, especially for after-tax funds in a 401(k) without in-plan Roth conversions [13:13] Rollovers to an IRA can facilitate Roth conversions and allow financial advisors to manage retirement accounts. Consolidate Old 401ks for a Smoother Future When you change jobs, it's important not to leave your old retirement accounts behind. For many Americans, the primary vehicle for saving for retirement is their employer-sponsored 401(k) plan. But what should you do with that 401(k) once you've moved on? Rolling it into an Individual Retirement Account (IRA) may be the smart move, offering control, flexibility, potential cost savings, and tax advantages. Let's walk through five compelling reasons why a 401(k) rollover into an IRA might make sense for you. 1. Greater Control and Account Consolidation One of the biggest headaches of changing jobs multiple times is having various retirement accounts scattered across different institutions. Not only is it difficult to keep track of these accounts, but there's the risk that you might forget about them entirely. By rolling old 401(k)s into a single IRA, you consolidate your investments, making it easier to manage and monitor your retirement savings. With all your funds in one place, you'll have more control over your asset allocation and will be better positioned to implement a cohesive investment strategy. Additionally, consolidating accounts reduces the administrative burden of managing multiple logins and statements. 2. Expanded Investment Choices and Flexibility Most employer-sponsored 401(k) plans offer a fairly limited menu of investment options, typically ranging from a dozen to twenty funds. These may or may not align with your preferred asset allocation strategy, and some plans are more limited than others. By rolling over your 401(k) into an IRA at a major discount broker like Schwab, Fidelity, or Vanguard, you unlock a much broader universe of investment possibilities, mutual funds, exchange-traded funds (ETFs), stocks, bonds, CDs, and more. This flexibility lets you fine-tune your portfolio, properly diversify, and better tailor your investments to your risk profile and retirement timeline. 3. Potential for Lower Investment Costs 401(k) plans, particularly those from smaller employers, often feature higher administrative and fund expenses, sometimes reaching 1% or more in annual fees. These extra costs chip away at your investment returns over time. With an IRA, especially when investing in low-cost ETFs or mutual funds, you can often significantly reduce the expense ratios you pay. Over decades, even a modest reduction in annual fees can translate into thousands more in retirement savings due to the power of compounding. 4. Managing Roth and After-Tax Contributions Many 401(k) plans now offer a designated Roth component as well as avenues for after-tax contributions. When you roll over your account, this is a valuable opportunity to ensure your Roth and after-tax money are treated with optimal tax efficiency. For example, rolling Roth 401(k) funds into a Roth IRA starts the five-year clock for tax-free withdrawals on earnings, which is critical for planning your retirement withdrawals. Additionally, an IRA rollover can be structured to split after-tax contributions into a Roth IRA, giving those funds tax-free growth potential rather than the more limited advantages offered inside the 401(k). 5. Access to Professional Management If you want professional help managing your retirement investments and financial planning, rolling your assets into an IRA is almost always a prerequisite. Advisors generally cannot manage assets held within a former employer's 401(k) platform, but with funds consolidated in an IRA at a major custodian, they can actively manage your investments, make ongoing adjustments, and assist with tax planning and distributions as you transition into retirement. Assess Your Situation Before Moving While rolling over your old 401(k) to an IRA offers considerable advantages, it's not always the perfect solution for everyone. Each situation is unique, and certain protections or features (such as early withdrawal options or creditor protections) may be stronger inside a 401(k) for some individuals. Be sure to review your specific circumstances carefully, ideally, with a trusted financial advisor, before making any big moves. A well-considered rollover could make your road to retirement much smoother, giving you more control, lower costs, and better investment options along the way. Resources Mentioned Retirement Readiness Review Subscribe to the Retire with Ryan YouTube Channel Download my entire book for FREE Schwab Fidelity Vanguard Connect With Morrissey Wealth Management www.MorrisseyWealthManagement.com/contact Subscribe to Retire With Ryan
On a special episode celebrating Sci-Fi and Fantasy, #1 New York Times-bestselling author V.E. Schwab joins us to discuss Bury Our Bones in the Midnight Soil (Tor, June 10). Kirkus: “Three women deal very differently with vampirism in Schwab's era-spanning follow-up to The Invisible Life of Addie LaRue….A beautiful meditation on queer identity against a supernatural backdrop” (starred review). Then our editors recommend their top picks in books for the week.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
Economic uncertainty, heightened volatility and on-again, off-again trade policies are challenging for investors. But similar to the Great Financial Crisis of 2008, fiduciary advisors can use this opportunity to assert their value and give clients confidence that their broader financial plans aren't as negatively impacted as they may think, given the daily doom-and-gloom market headlines. … Read More Read More
Don and Tom explore the evolution, promise, and pitfalls of Exchange-Traded Funds (ETFs). While ETFs have become the dominant investment vehicle, boasting $8 trillion in assets and more than 4,000 choices, the duo cautions against the “novelty trap” that lures investors into trendy, high-cost, low-diversification funds. They advocate sticking with time-tested providers like Vanguard, Schwab, and Avantis, and urge listeners to focus on strategy over hype. The episode also covers listener questions on Facet Wealth's alternative investments and Roth IRA income limits, ending with a light jab at Portland's real estate collapse and Don's growing jet lag. 0:04 Opening banter and the rise of ETFs as mutual fund successors 1:28 ETF history from SPY to the $8 trillion juggernaut 2:21 Why ETFs caught on: low cost, tax efficiency, index focus 3:45 When Wall Street noticed: strategic beta and rule-based funds emerge 4:59 The novelty problem: gimmicky single-stock and crypto ETFs 6:57 How to filter the 4,000 ETFs to a trustworthy handful 7:34 Which fund families to consider—and which to avoid 8:58 Active vs. passive: the murky middle and the “passively active” dilemma 10:01 Conflicts of interest in ETF endorsements and advertising bias 11:19 ETF investing principles: keep it simple, diversified, and strategic 12:09 Why the industry lumps Dimensional and Avantis with active managers 14:09 Brief detour into Austin, Silicon Valley, and Portland real estate 15:22 Final ETF takeaway: old, boring, and proven beats shiny and new 17:01 Listener Q1: Is Facet Wealth's alternative income strategy a red flag? 22:01 Listener Q2: Roth IRA income limits, backdoor Roths, and best next moves Learn more about your ad choices. Visit megaphone.fm/adchoices
Andrew discusses the LA riots, a preview of Apple's WWDC, and his time at the Schwab conference. For information on how to join the Zoom calls live each morning at 8:30 EST, visit:https://www.narwhal.com/blog/daily-market-briefingsPlease see disclosures:https://www.narwhal.com/disclosure
The Truth Shall Make Ye Fret is a podcast in which your hosts, Joanna Hagan and Francine Carrel have emerged from Discworld and are now exploring the worlds of speculative fiction. This week, a review of V. E. Schwab's new book - Bury Our Bones in the Midnight SoilToxic! Lesbian! Vampires! Find us on the internet:BlueSky: @makeyefretpod.bsky.socialInstagram: @TheTruthShallMakeYeFretFacebook: @TheTruthShallMakeYeFretEmail: thetruthshallmakeyefretpod@gmail.comPatreon: www.patreon.com/thetruthshallmakeyefretDiscord: https://discord.gg/29wMyuDHGP Want to follow your hosts and their internet doings? Follow Joanna on BlueSky @2hatsjo and follow Francine @francibambi Things we blathered on about:Bones | Explore Immortal Destinies — Author V. E. SchwabAuthor V. E. Schwab on toxic lesbian vampires and being a messy gay @OddPride on TikTok "I couldn't help it I was only hungry"Music: Chris Collins, indiemusicbox.com
In this Pride-themed episode, we're spotlighting the LGBTQIA+ authors whose words have stayed with us, challenged us, and made us feel seen. From cozy fantasies to sharp-witted romances, we're sharing the queer voices that shape the books we can't stop recommending. Whether you're looking to grow your TBR or just want to gush over the brilliance of writers like Alice Oseman, Becky Chambers, V.E. Schwab, Casey McQuiston, TJ Klune, and more — this one's for you.
In this episode, we sink our teeth into Bury Our Bones in the Midnight Soil by V. E. Schwab. From the haunting pull of vampire lore to the raw portrayal of anxiety and mental health, we explore how Schwab reshapes the gothic tradition. We ask: How would this story shift if its characters were older? What role does the setting play in how we perceive the vampires? Join us as we unearth the buried fears, subtle power dynamics, and tender monstrosities that make this story linger like a whisper in the dark.Episode Timepoints:00:00 - Intro00:15 - Life Updates02:50 - Spoiler Warning03:20 - Introduction to V. E. Schwab05:10 - The Blurb06:30 - Our Discussion of Bury Our Bones in the Midnight Soil01:17:35 - Next Time on Reading Materials01:18:15 - Outro
Join Elton as he stumbles through the lives of two women; one real, one fake. This time around Elton's irreverence locks onto "The Invisible Life of Addie LaRue", a book all about cutting deals with the devil, living forever, and learning that, when cutting a deal with Satan, it's all about the details. On his hilarious journey, Elton discovers the nature of how others affect your identity, and what a Faustian bargain is all about. Come along,...and stop all that "smirkstibating.""France, 1714: in a moment of desperation, a young woman makes a Faustian bargain to live forever―and is cursed to be forgotten by everyone she meets.Thus begins the extraordinary life of Addie LaRue, and a dazzling adventure that will play out across centuries and continents, across history and art, as a young woman learns how far she will go to leave her mark on the world.But everything changes when, after nearly 300 years, Addie stumbles across a young man in a hidden bookstore and he remembers her name."GET THE BOOK: The Invisible Life of Addie LaRue by V.E SchwabElton Reads A Book A Week PatreonTips!SOCIAL MEDIA! This is the LINK TREE!EMAIL: eltonreadsabookaweek@gmail.comThe following section is reserved for the people, places, things, and more that Elton probably offended in this episode--THE APOLOGIES SECTION: Satan, God, fanatical Christians, Rodney Mullen, Tony Hawk, skateboarders from the "Golden Age", and psychologists, and Goethe.A special thanks to Diedrich Bader and Jenna Fischer for all their inspiration.[Addie LaRue, V.E. Schwab, invisible life, forgotten curse, immortal woman, dark fantasy romance, contemporary fantasy, book review comedy, YA fantasy, adult fantasy crossover, Faustian bargain, deal with devil, supernatural contracts, cursed deals, immortality curse, dark magic, price of wishes, soul selling, supernatural consequences, devil's bargain, looking glass self, social identity, self perception, identity crisis, how others see us, social psychology, Charles Horton Cooley, invisible identity, forgotten existence, social reflection theory, book comedy podcast, funny book review, literary humor, book roast, comedy book club, sarcastic book review, witty literary analysis, humorous fantasy review, book parody, literary comedy, fantasy podcast, book podcast, solo podcast, literary podcast, bookish humor, reading comedy, book discussion, fantasy book review, romance fantasy, dark academia adjacent, book recommendations, fantasy book lovers, bookstagram, booktok, book community, reading humor, literary memes, book obsessed]
In this week's episode, Kathy Jones and Liz Ann Sonders discuss the current state of tariffs and the ongoing trade war, the implications of budget bills on the economy, and insights into inflation and the labor market. They explore how tariffs are affecting economic indicators, the challenges in estimating tariff revenue, and the potential impact of upcoming economic reports on Federal Reserve policy.You can read Kathy's midyear report, “Fixed Income Outlook: Cool and Cloudy” on Schwab.com. On Investing is an original podcast from Charles Schwab. For more on the show, visit schwab.com/OnInvesting. If you enjoy the show, please leave a rating or review on Apple Podcasts.Important DisclosuresThe information provided here is for general informational purposes only and should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned here may not be suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decision. All expressions of opinion are subject to change without notice in reaction to shifting market conditions. Data contained herein from third-party providers is obtained from what are considered reliable sources. However, its accuracy, completeness, or reliability cannot be guaranteed. Examples provided are for illustrative purposes only and not intended to be reflective of results you can expect to achieve. Investing involves risk, including loss of principal. Performance may be affected by risks associated with non-diversification, including investments in specific countries or sectors. Additional risks may also include, but are not limited to, investments in foreign securities, especially emerging markets, real estate investment trusts (REITs), fixed income, municipal securities including state specific municipal securities, small capitalization securities and commodities. Each individual investor should consider these risks carefully before investing in a particular security or strategy.Currency trading is speculative, volatile and not suitable for all investors.Forecasts contained herein are for illustrative purposes only, may be based upon proprietary research and are developed through analysis of historical public data.The information and content provided herein is general in nature and is for informational purposes only. It is not intended, and should not be construed, as a specific recommendation, individualized tax, legal, or investment advice. Tax laws are subject to change, either prospectively or retroactively. Where specific advice is necessary or appropriate, individuals should contact their own professional tax and investment advisors or other professionals (CPA, Financial Planner, Investment Manager) to help answer questions about specific situations or needs prior to taking any action based upon this information.The policy analysis provided by the Charles Schwab & Co., Inc., does not constitute and should not be interpreted as an endorsement of any political party.(0625-43K6)
It's already summer – how!? But we're very ready for summer reading with our lists of the books we're most excited about. As always, we'll end with what we're reading this week! Books and other media mentioned in this episode: Under the Same Stars by Libba Bray Mutual Interest by Olivia Wolfgang-Smith The Starving Saints by Caitlin Starling Marble Hall Murders by Anthony Horowitz How to Seal Your Own Fate by Kristen Perrin The Favorites by Layne Fargo Deep Cuts by Holly Brickley Dream Count by Chimamanda Ngozi Adichie Good Dirt by Charmaine Wilkerson Black Cake by Charmaine Wilkerson First-Time Caller by B.K. Borison Sleepless in Seattle (film) When Harry Met Sally… (film) Wild Dark Shore by Charlotte McConaghy The Dream Hotel by Laila Lalami Passion Project by London Sperry Promise Me Sunshine by Cara Bastone Ali Hazelwood Annabel Monaghan Ann's picks: The Phoenix Pencil Company by Allison King (releases June 3) The Listeners by Maggie Stiefvater (releases June 3) – The Wolves of Mercy Falls series by Maggie Stiefvater – The Raven Boys by Maggie Stiefvater Death at the White Hart by Chris Chibnall (releases June 10) – Broadchurch (TV) Finding Grace by Loretta Rothschild (releases July 8) How to Survive a Horror Story by Mallory Arnold (releases July 8) – And Then There Were None by Agatha Christie – The Haunting of Hill House by Shirley Jackson Hemlock & Silver by T. Kingfisher (releases August 19) – Snow White and the Seven Dwarves – Thornhedge by T. Kingfisher – A Sorceress Comes to Call by T. Kingfisher Five Found Dead by Sulari Gentill (releases August 19) – Murder on the Orient Express by Agatha Christie – The Woman in the Library by Sulari Gentill – With a Vengeance by Riley Sager Katabasis by R.F. Kuang (releases August 26) – Babel by R.F. Kuang Halle's picks: Atmosphere by Taylor Jenkins Reid (releases June 3) – The Seven Husbands of Evelyn Hugo by Taylor Jenkins Reid – Daisy Jones & the Six by Taylor Jenkins Reid – Malibu Rising by Taylor Jenkins Reid – Carrie Soto Is Back by Taylor Jenkins Reid – Top Gun (film) The Ghostwriter by Julie Clark (releases June 3) Park Avenue by Renée Ahdieh (releases June 3) – Crazy Rich Asians by Kevin Kwan – Succession (TV) – Bridgerton series by Julia Quinn – Gossip Girl (TV) Bury Our Bones in the Midnight Soil by V.E. Schwab (releases June 10) When Javi Dumped Mari by Mia Sosa (releases June 24) Rose in Chains by Julie Soto (releases July 3) – The Thrashers by Julie Soto – The Auction by LovesBitca8 (fanfiction) The Girls Who Grew Big by Leila Mottley (releases June 24) – Nightcrawling by Leila Mottley – The Mothers by Brit Bennett These Summer Storms by Sarah MacLean (releases July 8) What We're Reading This Week: Ann: Kate & Frida by Kim Fay – Love & Saffron by Kim Fay Halle: The Road to Tender Hearts by Annie Hartnett – Rabbit Cake by Annie Hartnett – A Man Called Ove by Fredrik Backman – The Guncle by Steven Rowley – Margo's Got Money Troubles by Rufi Thorpe – Run for the Hills by Kevin Wilson Well-Read on Facebook Well-Read on Twitter Well-Read on Instagram Well-Read on Bookshop
Join the Wide World of Options show as we hit the road again for great conversations with some of the industry's most-recognized names. In this all-new episode, host Mark Benzaquen talks with Steve Sosnick of Interactive Brokers and Joe Mazzola of Schwab about the state of the options industry, volatility opportunities and roadblocks, and recent marketplace innovations.
Credit markets are rallying but there’s elevated risk of some companies not repaying debt, according to the Schwab Center for Financial Research. “There’s a sense of complacency,” Collin Martin, the firm’s fixed income strategist, tells Bloomberg News’ James Crombie and Bloomberg Intelligence’s Himanshu Bakshi in the latest episode of the Credit Edge podcast. “Defaults are probably going to stay high,” says Martin, noting low interest coverage ratios among the weakest borrowers. Martin and Bakshi also discuss private credit risk, floating-rate and preferred debt opportunities, and the impact of trade wars on consumer confidence.See omnystudio.com/listener for privacy information.
Join the Wide World of Options show as we hit the road again for great conversations with some of the industry's most-recognized names. In this all-new episode, host Mark Benzaquen talks with Steve Sosnick of Interactive Brokers and Joe Mazzola of Schwab about the state of the options industry, volatility opportunities and roadblocks, and recent marketplace innovations.
Don and Tom unpack Morningstar's latest “5 of the Best” investing methods, praising the simplicity of balanced and target-date funds but warning against high-fee versions. They emphasize that no portfolio fits everyone and push for low-cost index solutions. Listeners call in with 401k rollover questions and political discomfort around financial firms—sparking a candid, occasionally funny chat about ethics, emotions, and retirement realities. The episode wraps with a challenge to fix Social Security and a request for more five-star Apple Podcast reviews before Don dies on the mic. 1:07 Morningstar's ‘5 of the Best' investing methods reviewed 1:48 Balanced funds and target-date funds: pros and cautions 2:48 Three-fund and custom-fit portfolios discussed 4:08 Critique of Morningstar's recommended balanced funds 6:19 Expense ratios of target-date funds and better alternatives 7:17 Morningstar's risky allocation advice near retirement 9:17 Why one-size-fits-all portfolios don't work 10:14 Caller Sally: Should we move from T. Rowe Price 401k? 12:56 T. Rowe Price vs. Vanguard fee comparison 14:03 How to roll over a 401k into an IRA 17:39 Custom portfolios vs. simplicity and human behavior 21:42 Caller Lynn: Political discomfort with Schwab as custodian 26:26 Keeping an advisor despite ideological concerns 28:38 Raising the retirement age: Denmark vs. U.S. 32:48 Fixing Social Security: remove the wage cap 35:29 Listener reviews, crypto hate, and ETF conspiracy theories Learn more about your ad choices. Visit megaphone.fm/adchoices
Matt and Gio are on for a brief episode looking at an article from Schwab on the state of the internet in 2025. Schwab's article: https://im1776.com/slop-world/ This stream is sponsored by Alp Nicotine Pouches: https://alppouch.com/Prude Support the Channel: Subscribestar: https://www.subscribestar.com/the-prudentialist Buy Me a Coffee: https://www.buymeacoffee.com/prudentialist Substack: https://theprudentialist.substack.com/ Merch: https://mr-prudes-wares.creator-spring.com/ Links: https://findmyfrens.net/theprudentialist/
In this episode, Liz Ann Sonders and Kathy Jones discuss the current state of the bond market, the influence of central banks, and the impact of policy announcements on market dynamics. They explore consumer confidence, economic indicators, and the potential effects of upcoming labor data on market trends. The discussion highlights the volatility in the markets and the importance of understanding the interplay between policy and economic conditions.You can read the article on hard data vs. soft data by Liz Ann and Kevin Gordon on Schwab.com. On Investing is an original podcast from Charles Schwab. For more on the show, visit schwab.com/OnInvesting. If you enjoy the show, please leave a rating or review on Apple Podcasts.Important DisclosuresInvestors should consider carefully information contained in the prospectus, or if available, the summary prospectus, including investment objectives, risks, charges, and expenses. You can request a prospectus by calling 800-435-4000. Please read the prospectus carefully before investing.The information provided here is for general informational purposes only and should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned here may not be suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decision.All expressions of opinion are subject to change without notice in reaction to shifting market conditions. Data contained herein from third-party providers is obtained from what are considered reliable sources. However, its accuracy, completeness, or reliability cannot be guaranteed.Examples provided are for illustrative purposes only and not intended to be reflective of results you can expect to achieve.Investing involves risk, including loss of principal.Performance may be affected by risks associated with non-diversification, including investments in specific countries or sectors. Additional risks may also include, but are not limited to, investments in foreign securities, especially emerging markets, real estate investment trusts (REITs), fixed income, municipal securities including state specific municipal securities, small capitalization securities and commodities. Each individual investor should consider these risks carefully before investing in a particular security or strategy.Forecasts contained herein are for illustrative purposes only, may be based upon proprietary research and are developed through analysis of historical public data.The information and content provided herein is general in nature and is for informational purposes only. It is not intended, and should not be construed, as a specific recommendation, individualized tax, legal, or investment advice. Tax laws are subject to change, either prospectively or retroactively. Where specific advice is necessary or appropriate, individuals should contact their own professional tax and investment advisors or other professionals (CPA, Financial Planner, Investment Manager) to help answer questions about specific situations or needs prior to taking any action based upon this information.The policy analysis provided by the Charles Schwab & Co., Inc., does not constitute and should not be interpreted as an endorsement of any political party.Currency trading is speculative, volatile and not suitable for all investors.Fixed income securities are subject to increased loss of principal during periods of rising interest rates. Fixed income investments are subject to various other risks including changes in credit quality, market valuations, liquidity, prepayments, early redemption, corporate events, tax ramifications, and other factors.Lower rated securities are subject to greater credit risk, default risk, and liquidity risk.(0525-1AMU)
We'd like to hear from you. Please fill out this survey to tell us your thoughts and feedback about Jewish History Nerds. Here's the link: https://unpacked.media/nerdsurvey This week, Schwab and Yael dive into one of the most disturbing and enduring symbols of antisemitism in European history: the Judensau, or “Jew Pig.” From its origins in 13th-century German churches to its persistent presence in modern cathedrals like those in Cologne and Wittenberg, this grotesque motif—depicting Jews in degrading, obscene interactions with pigs—embodied and perpetuated centuries of Christian antisemitic propaganda. Be in touch. We want to hear from you. Write to us at nerds@unpacked.media. Click here for Isaiah Shachar's book, The Judensau. Click here for Daniel Leeson's work on The Judensau. Click here to see images of the Judensau on the church in Wittenberg. Click here for additional images of the Judensau. Click here to see images of the Judensau in Cologne. Click here for a news article about the court order to keep the Judensau in Wittenberg. This podcast was brought to you by Unpacked, a brand of OpenDor Media. Follow @unpackedmedia on Instagram and check out Unpacked on youtube. ------------------- For other podcasts from Unpacked, check out: Soulful Jewish Living Stars of David with Elon Gold Unpacking Israeli History Wondering Jews
BNR Beurs is een beetje een sportprogramma geworden. We doen namelijk verslag van alle transfers. Daar kwam geen einde aan. De belangrijkste is die van Christine Lagarde. Zij zou de gedoodverfde opvolger van Klaus Schwab zijn als baas van het World Economic Forum. Maar daarvoor moet ze wel eerst haar positie als voorzitter van de ECB opgeven. Dat zou niet gebeuren, werd al gezegd. Maar volgens Schwab zelf zijn er toch al gesprekken geweest met haar. Er is zelfs al een woning voor haar geregeld in Zwitserland. Kan de ECB zich maar beter klaarmaken voor de zoektocht naar een opvolger? En wat betekent het voor het beleid van de centrale bank? Die vragen beantwoorden we deze uitzending. Dan hebben we het ook over de andere centrale bankier die opvolging zoekt. Hier in Nederland zelfs. Klaas Knot heeft namelijk nog maar een maand te gaan voor zijn termijn afloopt en hij moet stoppen als baas van De Nederlandsche Bank. Maar het blijkt behoorlijk lastig om vervanging te vinden. En dat leidt tot zorgen bij DNB en in de financiële sector. Verder zijn er nog een hoop andere transfers die wél al zeker zijn. Ook daar brengen we verslag over uit. En we brengen goed nieuws! Want sommige analisten durven eindelijk weer positief naar de toekomst te kijken. De grootste onrust op de beurzen is verleden tijd, zeggen ze. En het ene na het andere bedrijf besluit opeens groots in Bitcoin te investeren. Het mediabedrijf van Trump ging al om, en nu wil ook gamewinkel GameStop opeens honderden miljoenen erin steken. Die bedrijven hebben een loophole gevonden waarmee ze praktisch geld kunnen printen. Maar is dat misschien toch te mooi om waar te zijn?See omnystudio.com/listener for privacy information.
Charles Schwab's Lisa Kidd Hunt shares her insights on the global investing landscape. Despite market volatility, Schwab's international clients are increasingly eyeing U.S. markets for growth opportunities. She highlights the popularity of Schwab's newly launched International Themes, which allows clients to invest in U.S. markets around specific themes like healthcare, artificial Intelligence, and cybersecurity.======== Schwab Network ========Empowering every investor and trader, every market day. Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/ About Schwab Network - https://schwabnetwork.com/about
After you listen:Learn about the wealth and investment management solutions Schwab offers to help you pursue your goals confidently.Listen to Schwab's newest podcast, Invested in the Game, featuring true stories of people who are driving the game of golf forward.In this episode of Financial Decoder, host Mark Riepe is joined by Stephanie Shadel, a senior wealth advisor at Schwab, to examine the scope of an investor's communication with their financial advisor. She emphasizes the importance of understanding clients' financial situations, building trust, and maintaining open communication. Throughout their discussion, they cover both the data-driven and emotional aspects of portfolio managment, offering insights into strengthening the dynamic with a professional advisor.Financial Decoder is an original podcast from Charles Schwab. For more on the series, visit schwab.com/FinancialDecoder. If you enjoy the show, please leave us a rating or review on Apple Podcasts.Reach out to Mark on X @MarkRiepe with your thoughts on the show.Follow Financial Decoder on Spotify to comment on episodes.Important DisclosuresThe information provided here is for general informational purposes only and should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned here may not be suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decision.All expressions of opinion are subject to change without notice in reaction to shifting market conditions. Data contained herein from third-party providers is obtained from what are considered reliable sources. However, its accuracy, completeness, or reliability cannot be guaranteed. Examples provided are for illustrative purposes only and not intended to be reflective of results you can expect to achieve. Investing involves risk, including loss of principal.Diversification and asset allocation strategies do not ensure a profit and cannot protect against losses in a declining market.Past performance is no guarantee of future results, and the opinions presented cannot be viewed as an indicator of future performance.Schwab does not recommend the use of technical analysis as a sole means of investment research.All names and market data shown above are for illustrative purposes only and are not a recommendation, offer to sell, or a solicitation of an offer to buy any security. Neither the tax-loss harvesting strategy, nor any discussion herein, is intended as tax advice and Charles Schwab & Co. does not represent that any particular tax consequences will be obtained. Tax-loss harvesting involves certain risks including unintended tax implications. Investors should consult with their tax advisors and refer to the Internal Revenue Service (IRS) website at www.irs.gov about the consequences of tax-loss harvesting.Schwab Wealth Advisory™ ("SWA") is a non‐discretionary investment advisory program sponsored by Charles Schwab & Co., Inc. ("Schwab"). Schwab Wealth Advisory, Inc. ("SWAI") is a Registered Investment Adviser and provides portfolio management for the SWA program. Schwab and SWAI are affiliates and are subsidiaries of The Charles Schwab Corporation.Portfolio Management provided by Schwab Wealth Advisory, Inc., a Registered Investment Adviser and affiliate of Charles Schwab & Co., Inc. (Schwab). Please read the Schwab Wealth Advisory and the Schwab Wealth Advisory, Inc. Disclosure Brochures for information and disclosures about this program. The Wealth Advisor, Associate Wealth Advisor, and other representatives making investment recommendations in your Schwab Wealth Advisory accounts are employees of Schwab Wealth Advisory, Inc.The information and content provided herein is general in nature and is for informational purposes only. It is not intended, and should not be construed, as a specific recommendation, individualized tax, legal, or investment advice. Tax laws are subject to change, either prospectively or retroactively. Where specific advice is necessary or appropriate, individuals should contact their own professional tax and investment advisors or other professionals (CPA, Financial Planner, Investment Manager) to help answer questions about specific situations or needs prior to taking any action based upon this information.The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc.(0525-03FK)
The SID crew gets together and the White Sox actually win a game during the pod—a rare live dub on a Friday night. Suds and Schwab celebrate the small miracle, then immediately spiral into confusion over the Elko demotion, the team's obsession with fringe roster guys, and a minor league development strategy that feels allergic to innings. Vaughn's WAR is historically awful, CHSN is charging $19.99 for buffering, and the 2027 core might include three dudes—if we're lucky. The vibes are still bad... just slightly less hopeless.Also on deck:Why Tim Elko got demoted with Vaughn after finally getting the callVinny Capra, Palacios, Rojas, Slater... seriously, what are we doing?The Sox treat pitching prospects like they're made of glass$19.99/month to watch Vinny Capra? Meidroth is what we thought Nicky Mads would be—Pedroia vibesShane Smith: legit SP3? Davis Martin: SP5? Maybe?…but hey—at least it gives us something to talk about.
Kathy Jones and Liz Ann Sonders discuss recent market moves potentially related to Washington budget negotiations and an increasing focus on debt and deficits. Then, Liz Ann Sonders interviews longtime market technician Helene Meisler. They delve into market mechanics, sentiment indicators, and the historical context of market trends, providing insights into the evolving landscape of investing. They also discuss the intricacies of market sentiment, technical analysis, and the implications of bond market trends and the dollar's performance. The conversation culminates in predictions for future market volatility and potential corrections, emphasizing the need for investors to remain vigilant and adaptable.Finally, Kathy and Liz Ann discuss the data and economic indicators they will be watching in the coming week.You can keep up with Helene Meisler on X or on her Substack.On Investing is an original podcast from Charles Schwab. For more on the show, visit schwab.com/OnInvesting. If you enjoy the show, please leave a rating or review on Apple Podcasts.Important DisclosuresInvestors should consider carefully information contained in the prospectus, or if available, the summary prospectus, including investment objectives, risks, charges, and expenses. You can request a prospectus by calling 800-435-4000. Please read the prospectus carefully before investing.The information provided here is for general informational purposes only and should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned here may not be suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decision.All expressions of opinion are subject to change without notice in reaction to shifting market conditions. Data contained herein from third-party providers is obtained from what are considered reliable sources. However, its accuracy, completeness, or reliability cannot be guaranteed. Examples provided are for illustrative purposes only and not intended to be reflective of results you can expect to achieve.Diversification strategies do not ensure a profit and do not protect against losses in declining markets.Investing involves risk, including loss of principal.Performance may be affected by risks associated with non-diversification, including investments in specific countries or sectors. Additional risks may also include, but are not limited to, investments in foreign securities, especially emerging markets, real estate investment trusts (REITs), fixed income, municipal securities including state specific municipal securities, small capitalization securities and commodities. Each individual investor should consider these risks carefully before investing in a particular security or strategy.Forecasts contained herein are for illustrative purposes only, may be based upon proprietary research and are developed through analysis of historical public data.The information and content provided herein is general in nature and is for informational purposes only. It is not intended, and should not be construed, as a specific recommendation, individualized tax, legal, or investment advice. Tax laws are subject to change, either prospectively or retroactively. Where specific advice is necessary or appropriate, individuals should contact their own professional tax and investment advisors or other professionals (CPA, Financial Planner, Investment Manager) to help answer questions about specific situations or needs prior to taking any action based upon this information.Schwab does not recommend the use of technical analysis as a sole means of investment research.The comments, views, and opinions expressed in the presentation are those of the speakers and do not necessarily represent the views of Charles Schwab.The policy analysis provided by the Charles Schwab & Co., Inc., does not constitute and should not be interpreted as an endorsement of any political party.Fixed income securities are subject to increased loss of principal during periods of rising interest rates. Fixed income investments are subject to various other risks including changes in credit quality, market valuations, liquidity, prepayments, early redemption, corporate events, tax ramifications, and other factors.(0525-Y538)
We'd like to hear from you. Please fill out this survey to tell us your thoughts and feedback about Jewish History Nerds. Here's the link: https://unpacked.media/nerdsurvey This week, Jonathan Schwab and Yael Steiner explore the rich history of some of India's Jewish communities, including the caste-influenced divisions among the so-called "Black Jews, White Jews, and Brown Jews" of Cochin. Using the Cochin Copper Plates as an entry point, Yael and Schwab explore how Indian Jewish life flourished—largely free of antisemitism—until almost the entire population made Aliyah after 1948. Yael explains that the Cochin (Cranganore) Copper Plates, dating possibly as far back as 1000 CE and inscribed in Tamil, bestowed unique privileges to the Jewish community on India's Malabar Coast Jews and a Jewish leader named Joseph Rabban. Whether or not you're a "history nerd," you will appreciate this unique story, which reframes what we think of as "Jewish history." Click here or a summary and sources referenced in the episode. Click here to see pictures of the Cochin Copper Plates. Be in touch. We want to hear from you. Write to us at nerds@unpacked.media. This podcast was brought to you by Unpacked, a brand of OpenDor Media. Follow @unpackedmedia on Instagram and check out Unpacked on youtube. ------------------- For other podcasts from Unpacked, check out: Soulful Jewish Living Stars of David with Elon Gold Unpacking Israeli History Wondering Jews
"So teach us to number our days, that we may get a heart of wisdom." - Psalm 90:12 If you're a few years from retirement and your savings aren't quite where you want them, you might feel like you've run out of time. But maybe you don't need a time machine to solve the problem. Today, Matt Bell joins us with some encouraging words about beefing up retirement savings.Matt Bell is the Managing Editor at Sound Mind Investing, an underwriter of Faith & Finance. The Surprising Power of Working a Little LongerIn 2018, a Stanford study called The Power of Working Longer made a compelling discovery: delaying retirement by just three to six months can have the same impact on retirement readiness as saving an additional 1% of income every year for 30 years.Yes, really.This is largely due to two factors:Higher Social Security Benefits – For every month you delay past full retirement age, your benefit increases by 2/3 of 1% (8% annually). Better Annuity Rates – The older you are when purchasing an annuity, the more monthly income you'll receive for the same investment.But there's a caveat: the study is based on specific assumptions that may not match your financial situation.What the Study Assumes—and Why It MattersThe Stanford study uses a fictional worker named “John” who:Started saving at age 36Saved 6% of income and received a 3% matchRetired at 66 and claimed Social Security immediatelyUsed all savings to buy an inflation-indexed annuityIn reality, your income, savings rate, Social Security timing, and withdrawal strategy may differ widely. Not to mention, indexed annuities like the one in the study are no longer widely available. So while the study provides encouragement, its specifics shouldn't be universally applied.If you can delay claiming Social Security, it can significantly boost your lifelong income. For example, waiting until age 70 instead of 66 could result in a monthly check that's 24% higher. You'd need to live roughly 12 more years to “break even,” but many retirees today are living well into their 80s and beyond.Social Security is essentially a government-backed, inflation-adjusted annuity, making it a powerful foundation for retirement income.More Benefits to Working LongerBeyond Social Security, staying employed offers additional financial and emotional perks:More Contributions – Additional working years allow you to save more and delay withdrawals.Shorter Retirement Span – Fewer retirement years mean your nest egg doesn't have to stretch as far.Health & Community – Work often provides routine, purpose, and social interaction—elements many retirees miss.Working longer isn't just a financial decision—it impacts your time, relationships, and expectations. If you've long looked forward to travel, family time, or volunteering, extending your career might feel like a loss. That's why it's essential to consider both the math and the meaning.Couples should prayerfully approach retirement planning together. Decisions about timing affect both spouses, especially when only one is working. Unequal expectations can lead to tension, so it's essential to:Talk openly about your hopes and concernsUnderstand your financial picture as a teamChoose unity over independence in decision-makingThis is one of the most crucial decisions you'll make as a couple.How Much Do You Really Need?You may have heard that you need 70–80% of your pre-retirement income. That's a good rule of thumb, but it's far better to run the numbers yourself. Some costs (like commuting or saving for retirement) may go down. Others (like healthcare or travel) may go up. The best approach? Create a post-retirement budget based on your unique goals and lifestyle.If you're behind on retirement savings, don't panic—and don't go it alone. Tools on the Social Security website can help you run scenarios based on your age and income. Brokerages like Fidelity or Schwab offer annuity estimators. Most importantly, seek wise counsel and pray through your decisions with your spouse.If you'd like to read the full article from Sound Mind Investing that we discussed during this episode, read Matt's article titled Retirement Preparedness—What a Difference a Little Time Can Make at SoundMindInvesting.com. On Today's Program, Rob Answers Listener Questions:I now have the money from my tax return to pay my property taxes, due in two installments—one in May and one six months later. Should I go ahead and pay it all now since I have the funds, or is there a wise short-term investment I could consider in the meantime?Is there a reliable resource or organization that can provide information on charities that are requesting donations, such as groups like America Cares, CARE, or Mercy Ships?What are your thoughts on the cryptocurrency XRP? Is it something worth considering?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Sound Mind InvestingRetirement Preparedness — What a Difference a Little Time Can Make by Matt Bell (Sound Mind Investing Article)Social Security Administration (SSA.gov)ECFA | Charity Navigator | Ministry WatchFidelity | Charles SchwabWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.
Meghan Markle opens up about what surprised her most about Motherhood. Erin Schwab joins the show to talk about her amazing show at Crooners. Plus we are obsessed with the Real Housewives of Rhode Island casting rumor. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
Greg Baker joins Morning Movers from the Charles Schwab Singapore offices. He highlights the Hong Kong and Singapore regions reliance on the import/export market, which has been caught in the crosshairs of an escalating trade war between China and the U.S. Greg discusses trends within his client base, particularly Schwab's 24/5 trading and fixed income investing.======== Schwab Network ========Empowering every investor and trader, every market day.Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/About Schwab Network - https://schwabnetwork.com/about
In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss the second step in the Peace of Mind Pathway—Implementation. This is where the planning becomes reality. After building your personalized retirement roadmap, it's time to put your financial planning for retirement into motion. From investment transitions to estate documents and tax strategy retirement planning, this episode walks you through what happens after you say, “I'm ready.” It's not just about moving assets—it's about building a solid structure to retire confidently and comfortably.Listen in to learn about the intentional and methodical approach used at Peace of Mind Wealth Management to ensure your retirement income strategy, healthcare coverage, long term care planning, and retirement tax planning are all set up efficiently. This step-by-step retirement planning process also includes evaluating your current estate plan, understanding your Medicare and retirement options, and implementing a bucket strategy for retirement that aligns with your comfort level and goals. Discover how implementation isn't a one-time task—it's the beginning of a lasting, flexible retirement journey.In this episode, find out:· What happens when you decide to move forward with your retirement plan.· How asset transfers are managed through trusted custodians like Schwab or Fidelity.· Why implementation is paced over months to ensure thoughtful decision-making.· The key components of investment strategy for retirees, tax efficiency, and legal documentation.· How the Peace of Mind Pathway supports retiring comfortably through long-term care and Medicare strategy.Tweetable Quotes:“Implementation is not a one-and-done step—it's the launchpad for long-term retirement success.” – Radon Stancil “We take baby steps with purpose, so every element of your retirement plan gets the attention it deserves.” – Murs TariqResources:If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!To access the course, simply visit: POMWealth.net/podcast
What can a coin tell us about history, power, and identity? This week, hosts Jonathan Schwab and Yael Steiner explore the Roman Judea Capta coins—propaganda minted to celebrate Rome's brutal suppression of the Jewish revolt and the destruction of the Second Temple. Why would a global empire spotlight a small province like Judea on its currency? Schwab unpacks the fascinating world of numismatics, showing how coins served as ancient mass media and a tool for emperors like Vespasian to craft political narratives. This episode dives deep into coins as artifacts, propaganda tools, and symbols of survival and resistance. Click here for a summary and sources referenced in the episode. Click here for images of the Judea Capta Coins. Click here to see images of the Israel Liberata Coin. Be in touch. We want to hear from you. Write to us at nerds@unpacked.media. This podcast was brought to you by Unpacked, a brand of OpenDor Media. Follow @unpackedmedia on Instagram and check out Unpacked on youtube. ------------------- For other podcasts from Unpacked, check out: Soulful Jewish Living Stars of David with Elon Gold Unpacking Israeli History Wondering Jews
Congressman Abe Hamadeh discusses the current state of the judiciary and its implications for immigration policy. Hamadeh highlights the contrasting narratives surrounding judges who harbor illegal immigrants and the ongoing crisis within the legal system. He emphasizes the importance of the No Rogue Rulings Act and the need for Congress to support President Trump. Also, Tiffany Justice, co-founder of Moms for Liberty and visiting fellow at Heritage for Parental Rights, delves into the latest developments in parental rights and education. From the implications of recent executive orders to the controversial integration of artificial intelligence in classrooms, Tiffany shares insights into what parents need to know. Later, investigative journalist Seamus Bruner joins to talk about the recent developments surrounding Klaus Schwab and the World Economic Forum. Bruner discusses the implications of Schwab's resignation amid allegations of financial misconduct and the broader impact on globalism. Finally, former police officer and founder of The Wounded Blue, Randy Sutton, discusses his new book, Rescuing 911. Randy sheds light on the ongoing public safety crisis, the challenges facing law enforcement, and the alarming decrease in police presence across America. He emphasizes the importance of understanding the historical context of these issues and the need for a renewed commitment to supporting our police forces. As National Police Week approaches, Randy shares insights on how this event can inspire recruitment and honor those who have made the ultimate sacrifice in the line of duty.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
Steve, Todd, and Aaron are joined by FBI whistleblower Steve Friend for the Deace Group roundtable to discuss the choice on the table for Western civilization after the same-day departure of Klaus Schwab and death of Pope Francis. The panel also discusses what to do with Iran. In Hour Two, it's another round of Feedback Friday. TODAY'S SPONSORS: BEAM: https://shopbeam.com/products/sleep-powder?discount=steve&variant=40436356710455&selling_plan=787415095&utm_source=podcast&utm_medium=sponsorship&utm_campaign=steve and use code STEVE at checkout PREBORN: https://give.preborn.com/preborn/media-partner?sc=IABSD0123RA PATRIOT MOBILE: https://patriotmobile.com/STEVE or call 972-PATRIOT for your FREE MONTH of service MIRACLE MADE: Upgrade your sleep with Miracle Made! Go to https://try.miraclebrand.co/sheets/ksp-v15?utm_source=Podcast_deace&utm_medium=Podcasting&utm_campaign=deace&color=stone and use the code DEACE to claim your FREE 3 PIECE TOWEL SET and SAVE over 40% OFF JASE MEDICAL: https://jasemedical.com/ and enter code “DEACE” at checkout for a discount on your orderREAL ESTATE AGENTS I TRUST: https://realestateagentsitrust.com/ BACKYARD BUTCHERS: https://www.backyardbutchers.com/pages/deace Learn more about your ad choices. Visit megaphone.fm/adchoices
ICE sees a massive spike in the arrest of terrorists, President Trump moves to further knock out the Houthis, and the Supreme Court appears to side with parents. Developing stories you need to know just in time for your drive home. Get the facts first on Morning Wire. Jeremy's Razors: Try Jeremy's Razors for 20% off risk-free: https://www.jeremysrazors.com/MORNINGWIRE