Podcasts about shortfall

Every retiree gets exactly one shot at one sequence of returns — and the first five years can quietly cost you more than half your lifetime portfolio. In this episode of Insight is Capital, host Pierre Daillie sits down with David Varadi, MBA, CFA, instructor of Personal Finance and Investments at the Schulich School of Business at York University, to unpack one of the most underestimated risks in retirement planning: sequence of returns risk. Drawing on a career that spans RBC, Macquarie, Flexible Plan Investments, QuantX, and now academia, Varadi introduces the concept of the "sequence tax" — the measurable gap between what the market returns and what a retiree actually realizes after withdrawals. He explains why poor returns in the first five to ten years of retirement can permanently impair a portfolio in ways that bull markets later cannot repair, and walks through practical levers advisors can use to defend against it, including bond ladders, dynamic withdrawal cuts, trend-following overlays, and diversification beyond the traditional 60/40 mix. The conversation moves into the four economic regimes, why long-duration treasuries, energy, utilities, and managed futures each play a distinct hedging role, and how capital efficiency — using leveraged or portable-alpha structures to free up liquidity — can help underfunded clients diversify into annuities, tontines, and real assets without taking on a purely speculative, all-equity gamble. Varadi closes with a call for advisors to calculate every client's required rate of return and shortfall risk, rather than relying on risk tolerance alone, to determine whether a retirement plan is actually safe versus merely comfortable. Timestamped Chapters00:00 — Introduction: the sequence tax and why order matters more than average return 02:00 — David Varadi's career arc: RBC, Macquarie, Flexible Plan, QuantX, and teaching at Schulich 06:00 — Why decumulation is the industry's biggest blind spot and top advisor anxiety 08:00 — What sequence of returns risk actually is and how the "sequence tax" is calculated 10:00 — Selling shares in a down market: cannibalizing the portfolio and the math of recovery 13:00 — The first five and ten years: 53% and 80% of lifetime sequence damage explained 14:00 — Levers for protection: liquidity buffers, cutting withdrawals, trend following, bond ladders 16:00 — The trade-offs of holding bonds early in retirement 24:00 — Replacing traditional fixed income with convexity: managed futures and the four market regimes 26:00 — Best hedges for long-duration bonds: energy, utilities, and commodities 28:00 — Real assets and inflation protection: pipelines, infrastructure, and rate-linked cash flows 30:00 — Managed futures as a "utility player" across market regimes 32:00 — Capital efficiency for underfunded clients: solving multiple risks with the same dollar 35:00 — X-raying the 60/40 portfolio: why it behaves like 90% equity risk 38:00 — The danger of mistaking the need for diversification as a need for more risk 48:00 — Building the floor: bonds, annuities, and tontines for funded versus underfunded clients 54:00 — Practical capital-efficiency examples: leveraged ETFs, covered calls, and portable alpha 1:01:00 — Calculating the retirement required rate of return and the conservative-client mismatch 1:02:00 — Shortfall risk versus standard deviation: optimizing for retirement survival 1:04:00 — Closing thoughts and a look ahead to capital efficiency in depth #SequenceOfReturnsRisk #RetirementPlanning #DecumulationStrategy #RetirementIncome #FinancialAdvisor #PersonalFinance #PortfolioConstruction #CapitalEfficiency #ManagedFutures #RetirementSavings #WealthManagement #InvestingForRetirement #FinancialPlanning #InsightIsCapital #SchulichSchoolOfBusiness #RetirementRiskManagement #AssetAllocation #FixedIncomeStrategy #AnnuitiesVsTontines #FinanceEducation

May's tax receipts show Nebraska's deficit may exceed its projected shortfall of $170 million.

Thousands of residents in the Peach State have dropped out of health insurance coverage since the start of 2025, prompted in part by this year's expiration of enhanced federal subsidies that helped them pay their monthly premiums. For our special What's News series The Cost-of-Living Election, WSJ national politics reporter Sabrina Siddiqui speaks to Republican pollster Adam Geller and Democratic pollster John Anzalone. They discuss voters' expectations of Congress when it comes to healthcare costs, Democrats' trust advantage on healthcare, and whether that could swing the election to their party—including incumbent Georgia Sen. Jon Ossoff—in November. Learn more about your ad choices. Visit megaphone.fm/adchoices

A Social Security trust fund used to pay retirement benefits may run out in late 2032, three months earlier than what had been projected last June, according to the new Social Security Administration annual trustees report released Tuesday. Please Subscribe + Rate & Review Philip Teresi on KMJ wherever you listen! --- KMJ’s Philip Teresi is available on the KMJNOW app, Apple Podcasts, Spotify, Amazon Music or wherever else you listen. --- Philip Teresi, Weekdays 2-6 PM Pacific News/Talk 580 & 105.9 KMJ DriveKMJ.com | Podcast | Facebook | X | Instagram --- Everything KMJ: kmjnow.com | Streaming | Podcasts | Facebook | X | Instagram See omnystudio.com/listener for privacy information.

A Social Security trust fund used to pay retirement benefits may run out in late 2032, three months earlier than what had been projected last June, according to the new Social Security Administration annual trustees report released Tuesday. Please Subscribe + Rate & Review Philip Teresi on KMJ wherever you listen! --- KMJ’s Philip Teresi is available on the KMJNOW app, Apple Podcasts, Spotify, Amazon Music or wherever else you listen. --- Philip Teresi, Weekdays 2-6 PM Pacific News/Talk 580 & 105.9 KMJ DriveKMJ.com | Podcast | Facebook | X | Instagram --- Everything KMJ: kmjnow.com | Streaming | Podcasts | Facebook | X | Instagram See omnystudio.com/listener for privacy information.

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A charity focused on helping Kiwi youth get ahead is at risk of closure after losing out on required funding. Lower Hutt-based charity Youth Inspire missed out on $60,000 worth of funding for its driving school, which provides lessons and training for at-risk Kiwis looking to build up their skills. CEO Zainab Ali says they're not sure why the Government isn't offering them the funding, and they've turned to crowdfunding to fill the gap. "We got some feedback saying that they loved our proposal, but at this time, they had some questions around the budget - and that was pretty much it." LISTEN ABOVESee omnystudio.com/listener for privacy information.

P.M. Edition for June 9. The fund that helps pay out Social Security benefits is now projected to run out by late 2032, earlier than was previously expected. WSJ reporter Anne Tergesen walks us through why… and what it could mean for retirees. Plus, today Anthropic rolled out a new AI model, Claude Fable 5, that gives the public access to Mythos–a model the company previously said was too dangerous for general release. Bob McMillan, who covers computer security for the Journal, explains how Anthropic aims to prevent bad actors from using the new model for hacking and bioweapons. And President Trump accused Iran of downing an Apache helicopter near the Strait of Hormuz last night, saying the U.S. must respond and threatening the fragile ceasefire. Alex Ossola hosts. Sign up for the WSJ's free What's News newsletter. Learn more about your ad choices. Visit megaphone.fm/adchoices

AP's Lisa Dwyer reports on a financial shortfall warning for Social Security.

Soon-to-arrive drugs promise to address elevated Lp(a); Best natural alternatives to repel mosquitoes and ticks; When cancer treatments cause osteoporosis; Organoids and computer simulations promise to reduce the toll of live animal experimentation; Land snails and pythons yield clues for new drug development; Shortfall in doctors accelerated by early retirement as physicians cite “hassle factor.”

Cindy McCain, executive director of the U.N. World Food Program, in a recent interview, expressed appreciation for Japan's continued contributions as the organization struggles with financial difficulties.

A continued housing supply shortfall and new rental rules are being blamed for a sharp rise in rents in Clare. The latest Daft.ie report shows a single room in a house here now costs almost €600 a month to rent. Four-bed homes saw the biggest jump, with the average surging by 21% to €2,162 in the last year. Economist at Trinity College Dublin and author of the Daft.ie report, Ronan Lyons, has been telling Clare FM's Seán Lyons a nationwide cost rental scheme could put a dent in the problem.

BUSINESS: BOP shortfall shrinks | May 20, 2026Subscribe to The Manila Times Channel - https://tmt.ph/YTSubscribe Visit our website at https://www.manilatimes.net Follow us: Facebook - https://tmt.ph/facebook Instagram - https://tmt.ph/instagram Twitter - https://tmt.ph/twitter DailyMotion - https://tmt.ph/dailymotion Subscribe to our Digital Edition - https://tmt.ph/digital Check out our Podcasts: Spotify - https://tmt.ph/spotify Apple Podcasts - https://tmt.ph/applepodcasts Amazon Music - https://tmt.ph/amazonmusic Deezer: https://tmt.ph/deezer Stitcher: https://tmt.ph/stitcher Tune In: https://tmt.ph/tunein #TheManilaTimes #KeepUpWithTheTimes Hosted on Acast. See acast.com/privacy for more information.

Ben Carter, Head of Corporate Affairs at Master Builders Association NSW, unveils what changes in the federal budget will mean for housing in Australia.See omnystudio.com/listener for privacy information.

Our political panel weighs in on the current state of the health care file given concerns over a drop in federal funding, and a possibly looming nurse's strike. Plus, they discuss tension over overlapping treaty claims and whether the province should try to keep the Vancouver Whitecaps in B.C. The panel is: Elizabeth Cull (former NDP cabinet minister), Andrew Reeve (former press secretary and deputy director of communications with the BC Liberal and BC United parties), and Adam Olsen (former Green Party MLA and member of the Tsartlip Nation), in conversation with CBC host Gregor Craigie.

Politicians clash over Czechia's defense spending shortfall, Czechia ranks high in Prosperity Index, but sociologist Daniel Prokop warns results can mislead, Klánovice Forest

Politicians clash over Czechia's defense spending shortfall, Czechia ranks high in Prosperity Index, but sociologist Daniel Prokop warns results can mislead, Klánovice Forest

IDWR finds 181,600 acre-foot shortfall of water in April 2026

Mike and Lee are joined by Jim Keoghan to discuss the disappointing showing away at West Ham; They have a chat about the lack of urgency and cutting edge on show, against a side fighting for their Premier League status; The lads also discuss the poor set piece defending, that once again cost Everton dearly; The show also covers the importance of grabbing a European spot in relation to summer transfer plans. Learn more about your ad choices. Visit podcastchoices.com/adchoices

For years, 2026 was circled on the calendar as the year multifamily metrics would roar back. However, metro-level job data suggests the recovery is being stifled by the demand side of the equation. Despite supply becoming less of a challenge, job creation—the primary engine for household formation—has stalled across the U.S.Here are comparisons of annual job gain for February 2026 relative to the three years before the pandemic according to the Bureau of Labor Statistics.Explore our webpage for more insights and resources:https://bit.ly/Radix_Website

13. Michael Bernstam explains why the Strait of Hormuz blockade has not caused an oil price spike, citing diverted pipelines in Saudi Arabia and the UAE. He notes China's impending shortfall due to the blockade.

This evening, we wrap up the day's market movements with PrimeXBT, expound on the temporary fuel surcharges with the Fuels Industry Association of South Africa, review rallying half-year results with The Purple Group, reflect on the transition to sustainable energy debate with Effient Group, hear how Standard Bank closed on Twizza's R2.1 billion sale with Varun and for our SMME feature, we enter the world of the blooming skincare industry with Beauty on Tapp SAfm Market Update - Podcasts and live stream

What is the US shortage of standoff weapons? What's Iran's strategy? Why are missile defense systems moving from South Korea to the Middle East? And why is it wrong to believe that war with Iran comes at the expense of war with China? Can the US even defend Taiwan from a Chinese invasion? In this episode live from the Kapiti Coast, Dr. Van Jackson analyzes the latest in the US and Israeli war with Iran and what it means for the balance of power in Asia. Subscribe to the Un-Diplomatic Newsletter: https://www.un-diplomatic.com/  Watch Un-Diplomatic Podcast on YouTube: https://www.youtube.com/@un-diplomaticpodcast  Disclaimer: The views expressed are those of the individuals and not of any institutions.

Today, Hunter was joined by Maine's Frayla Tarpinian, the new Executive Director of Maine's Commission on Public Defense Services.     Guest: Frayla Tarpinian, Executive Director, Maine Commission on Public Defense   Resources: Website https://www.maine.gov/pds/   Coverage of the Shortfall https://mainemorningstar.com/2026/02/04/facing-imminent-13m-shortfall-committee-advances-bill-to-shore-up-public-defense-services/ https://www.mainesenate.org/senate-gives-initial-support-to-sen-carney-bill-to-fund-public-defense-services-protect-constitutional-rights/     Sign up for the ABA Public Defender Summit https://events.americanbar.org/event/12d07164-1011-4723-9352-e8e3168db945/welcome     Contact Hunter Parnell:                                 Publicdefenseless@gmail.com  Instagram @PublicDefenselessPodcast Twitter                                                                 @PDefenselessPod www.publicdefenseless.com  Subscribe to the Patreon www.patreon.com/PublicDefenselessPodcast  Donate on PayPal https://www.paypal.com/donate/?hosted_button_id=5KW7WMJWEXTAJ Donate on Stripe https://donate.stripe.com/7sI01tb2v3dwaM8cMN Trying to find a specific part of an episode? Use this link to search transcripts of every episode of the show! https://app.reduct.video/o/eca54fbf9f/p/d543070e6a/share/c34e85194394723d4131/home **** ALL OPINONS SHARED BY HOST HUNTER PARNELL DO NOT REFLECT THE THOUGHTS OR OPINIONS OF THE AURORA MUNICIPAL PUBLIC DEFENDER****

(1) J&J's "Over Unders" - Tigers any wins rest of season? Grizz 4-5 wins left? (2) Memphis Basketball has massive $1.2 Million Dollar Shortfall.

This week on "Off The Cuff," Melanie is joined by Karen to discuss what attendees can expect with the upcoming in-person Federal Student Aid (FSA) conference next week. From there, the team debriefs the Congressional Budget Office's new projections of a funding shortfall in the Pell Grant program. Karen then debriefs listeners on the draft 2027-28 FAFSA, which is now open for public comment, and explains how listeners can submit their own comments. Lastly, Melanie walks through NASFAA's recent webinars regarding private loan lending amid the implementation of the One Big Beautiful Bill Act (OBBBA), and highlights NASFAA resources. 

Africa Melane chats to SANAC’s Nelson Dlamini about treasury allocating R26bn to provinces to sustain HIV/AIDS treatment. Presenter John Maytham is an actor and author-turned-talk radio veteran and seasoned journalist. His show serves a round-up of local and international news coupled with the latest in business, sport, traffic and weather. The host’s eclectic interests mean the program often surprises the audience with intriguing book reviews and inspiring interviews profiling artists. A daily highlight is Rapid Fire, just after 5:30pm. CapeTalk fans call in, to stump the presenter with their general knowledge questions. Another firm favourite is the humorous Thursday crossing with award-winning journalist Rebecca Davis, called “Plan B”. Thank you for listening to a podcast from Afternoon Drive with John Maytham Listen live on Primedia+ weekdays from 15:00 and 18:00 (SA Time) to Afternoon Drive with John Maytham broadcast on CapeTalk https://buff.ly/NnFM3Nk For more from the show go to https://buff.ly/BSFy4Cn or find all the catch-up podcasts here https://buff.ly/n8nWt4x Subscribe to the CapeTalk Daily and Weekly Newsletters https://buff.ly/sbvVZD5 Follow us on social media: CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/CapeTalk CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

As a budget shortfall forces tough choices at the Idaho State Legislature, leaders are locked in a high-stakes debate over tax cuts, spending priorities and how deep state agency reductions should go.

Oklahoma faces another day with high fire danger.Concerns are rising over a budget shortfall at the Oklahoma County Jail.A controversial statue is going up on Tulsa's Cry Baby Hill.You can find the KOSU Daily wherever you get your podcasts, you can also subscribe, rate us and leave a comment.You can keep up to date on all the latest news throughout the day at KOSU.org and make sure to follow us on Facebook, Tik Tok and Instagram at KOSU Radio.This is The KOSU Daily, Oklahoma news, every weekday.

The hosts run a rapid-fire policy lightning round on the biggest higher ed issues right now, from federal funding and a looming Pell shortfall to new graduate loan limits. They also dig into two fast-moving flashpoints: the Education Department's scrutiny of a long-running student voting study and the administration's escalating actions aimed at Harvard, including potential impacts on service members' education benefits. Plus, an update on Sarah's favorite topic, Section 117 foreign gift reporting. Here are some of the links and references from this week's show: Appropriations How Congress's Budget Could Hamper Trump ED Agenda Inside Higher Ed | Feb. 12, 2026 Tufts/NSLVE   National Study of Learning, Voting and Engagement U.S. Department of Education Takes Actions to Protect Integrity of U.S. Elections Department of Education | Feb. 5. 2026 Education Dept. Tells Universities Not to Use Student Voting Data Inside Higher Ed | Feb. 5, 2026 dotEDU: Debates, Flies, and Political Engagement at the University of Utah  New SAVE Act Bills Would Still Block Millions of Americans From Voting Brennan Center for Justice | Feb. 9, 2026 Harvard v. Trump  dotEDU: What the Headlines Miss About Higher Ed: A Conversation with Kirk Carapezza  Justice Department Sues Harvard for Admissions Records The New York Times | Feb. 13, 2026 Department of Defense Severs Academic Ties With Harvard Inside Higher Ed | Feb. 10, 2026 Grad Loan Limits Reimagining and Improving Student Education  Federal Register | Jan. 30, 2026 Summary: ​The U.S. Department of Education's Proposal on OBBB RISE Notice of Proposed Rulemaking ACE **Contact Congress to Urge a Broader Professional Degree Definition** Accreditation  U.S. Department of Education Announces Negotiated Rulemaking to Reform and Strengthen America's Higher Education Accreditation System Department of Education | Jan. 26, 2026 U.S. Department of Education Issues Proposed Interpretive Rule to Eliminate the Use of "Regional" by Accrediting Agencies Department of Education | Feb. 13, 2026 Section 117 Section 117 Foreign Gift and Contract Public Transparency Dashboard Department of Education U.S. Department of Education Releases Latest Foreign Funding Disclosures from Federally-Funded American Universities Department of Education | Feb. 11, 2026

A report from Sherry Fitzgerald found a 39,000 deficit in the number of student beds available to rent Matt is joined by USI/AMLE VP for the Dublin Region Daniel Walsh and Labour Spokesperson on Higher Education Senator Laura Harmon to discuss Hit Play on this page to listen now

Send us a textWithout additional funding, the Anchorage School District is facing a $90 million shortfall for the 2026-2027 school year. The pupil-to-teacher ratio is expected to increase by 4. Multiple positions will be cut all over the district, from vice-principals to teachers, from counselors to nurses, from clerks to custodians. Many sports will also be completely eliminated, including swimming, tennis, volleyball, and hockey. Some schools may close.Here to discuss the funding crisis are ASD School Board President Carl Jacobs, Bettye Davis East Anchorage High School teacher Janice Strickland, and ASD Superintendent Dr. Jharrett Bryantt.To listen to Dr. Bryantt's previous podcast episode, click here.

Southwest Michigan's Morning News podcast is prepared and delivered by the WSJM Newsroom. For these stories and more, visit https://www.wsjm.com and follow us for updates on Facebook. See omnystudio.com/listener for privacy information.

Southwest Michigan's Morning News podcast is prepared and delivered by the WSJM Newsroom. For these stories and more, visit https://www.wsjm.com and follow us for updates on Facebook. See omnystudio.com/listener for privacy information.

Stephen Grootes speaks to Jaco Human, executive officer of the Industrial Gas Users Association of Southern Africa (IGUA-SA), about South Africa’s looming gas shortage from 2028 as the Pande and Temane fields run dry. With major industries dependent on gas for production, Mozambique has emerged as a critical lifeline, as delays or failure to secure alternative supply risk stranded assets, job losses and a severe blow to industrial competitiveness. The Money Show is a podcast hosted by well-known journalist and radio presenter, Stephen Grootes. He explores the latest economic trends, business developments, investment opportunities, and personal finance strategies. Each episode features engaging conversations with top newsmakers, industry experts, financial advisors, entrepreneurs, and politicians, offering you thought-provoking insights to navigate the ever-changing financial landscape.    Thank you for listening to a podcast from The Money Show Listen live Primedia+ weekdays from 18:00 and 20:00 (SA Time) to The Money Show with Stephen Grootes broadcast on 702 https://buff.ly/gk3y0Kj and CapeTalk https://buff.ly/NnFM3Nk For more from the show, go to https://buff.ly/7QpH0jY or find all the catch-up podcasts here https://buff.ly/PlhvUVe Subscribe to The Money Show Daily Newsletter and the Weekly Business Wrap here https://buff.ly/v5mfetc The Money Show is brought to you by Absa     Follow us on social media   702 on Facebook: https://www.facebook.com/TalkRadio702 702 on TikTok: https://www.tiktok.com/@talkradio702 702 on Instagram: https://www.instagram.com/talkradio702/ 702 on X: https://x.com/CapeTalk 702 on YouTube: https://www.youtube.com/@radio702   CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/Radio702 CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

NASA is tapping into America's expanding space economy to help guide its strategic technology investments.

This week 'The Urban Property Investor' is set to tackle the critical issues facing the Aussie housing market as we approach 2026. Discover why increased housing supply is non-negotiable for a growing population and the challenges posed by the current economy. Plus, we share essential financial literacy tips to help you navigate the real estate landscape. Tune in and make 2026 your year of opportunity!I discuss - 00:00 - The Supply Conversation: Setting the Stage for 202604:54 - Population Growth and Its Impact on Housing09:17 - The Shortfall in Housing Supply: A Critical Analysis14:17 - Financial Literacy: The Key to Navigating Real Estate18:53 - Looking Ahead: Making 2026 a Year of OpportunityDon't hesitate to hit me up on Facebook @SamSaggers. DM me with any of your questions :)If you're yet to subscribe, be sure to do so on your favourite channel. Apple - https://pre.fyi/upi-appleSpotify - ⁣⁣https://pre.fyi/upi-spotify⁣YouTube - https://pre.fyi/upi-youtubeAnd remember, I'm really good at 1.25 or 1.5 speed :)Take care, Sam

EUROPE SCROUNGES FOR FUNDS AMID RUSSIAN ASSET DISPUTES Colleague Michael Bernstam. The UK threatens to seize proceeds from the sale of Chelsea FC for Ukraine aid, while the EU struggles to finance a $135 billion shortfall for Kyiv. European leaders propose leveraging frozen Russian assets for loans, but financial markets remain skeptical of the EU's ability to guarantee such debt. NUMBER 15 1963

Gov. Beshear talks about the state's budget shortfall, Democrats hold onto a seat in the Kentucky senate, Kentucky's Make America Healthy Again Task Force submits its policy recommendations, and a community theatre group in Barren County celebrates a big milestone.

As Idaho faces a looming budget shortfall, lawmakers, law enforcement and legislators are grappling with how to balance the books without putting communities and public safety at risk. 

A nearly century-old private college in Great Falls is on the ropes as it confronts a massive budget deficit. The University of Providence lost funding from the hospital system that supports it. Administrators are now laying off staff and changing course offerings in a bid to stay afloat. Montana Free Press reporter Matt Hudson is following the restructuring and joined MTPR's Austin Amestoy with details.

Volatility returned to the stock market this week.Partly due to growing concerns about the sustainability of the AI spending boom.Partly due to further stresses building in the credit market.And also due to a growing shortfall of liquidity.Portfolio manager Michael Lebowitz and I discuss each of these in depth in this week's Market Recap.For everything that mattered to markets this week, watch this video.WORRIED ABOUT THE MARKET? SCHEDULE YOUR FREE PORTFOLIO REVIEW with Thoughtful Money's endorsed financial advisors at https://www.thoughtfulmoney.com#artificialintelligence #federalreserve #liquidity _____________________________________________ Thoughtful Money LLC is a Registered Investment Advisor Promoter.We produce educational content geared for the individual investor. It's important to note that this content is NOT investment advice, individual or otherwise, nor should be construed as such.We recommend that most investors, especially if inexperienced, should consider benefiting from the direction and guidance of a qualified financial advisor registered with the U.S. Securities and Exchange Commission (SEC) or state securities regulators who can develop & implement a personalized financial plan based on a customer's unique goals, needs & risk tolerance.IMPORTANT NOTE: There are risks associated with investing in securities.Investing in stocks, bonds, exchange traded funds, mutual funds, money market funds, and other types of securities involve risk of loss. Loss of principal is possible. Some high risk investments may use leverage, which will accentuate gains & losses. Foreign investing involves special risks, including a greater volatility and political, economic and currency risks and differences in accounting methods.A security's or a firm's past investment performance is not a guarantee or predictor of future investment performance.Thoughtful Money and the Thoughtful Money logo are trademarks of Thoughtful Money LLC.Copyright © 2025 Thoughtful Money LLC. All rights reserved.

Your daily news in under three minutes. At Al Jazeera Podcasts, we want to hear from you, our listeners. So, please head to https://www.aljazeera.com/survey and tell us your thoughts about this show and other Al Jazeera podcasts. It only takes a few minutes! Connect with us: @AJEPodcasts on X, Instagram, Facebook, and YouTube

In the face of  donor shortages, Auckland primary school teacher,  Michaela Von Sturmer, on how blood products helped her survive  leukaemia. 

More propane production. More exports. More inventories. The U.S. propane market, already oversupplied, is becoming even more so, putting additional downward pressure on prices. At the same time, surging demand from LNG exports and gas-fired power generation is pushing natural gas prices higher. Electricity prices are climbing too, further tilting the scales in propane's favor. The big question is, will these shifting fuel-price relationships move the needle on retail propane demand.

A mental health helpline is calling on the government for financial support as it plans to cut back its services. Lifeline Aotearoa says its facing a funding shortfall, which means it will have to stop running as a 24 hour, seven day a week operation. It comes a day after a depression treatment centre in Wellington says it will be forced to close. Nick James reports.

The shutdown has put Supplemental Nutrition Assistance Program (SNAP) funding in peril — but that's just the latest hit to the growing population of hundreds of thousands of food insecure people in our state. Southern Nevada already has one of the highest unemployment rates in the country, new work requirements for SNAP benefits go into place in January, and Nevada households pay some of the nation's highest grocery bills. And that's on top of the 1.3 million pounds of canceled food aid earlier this year. Perfect storm, much? Co-host Dayvid Figler talks with Three Square Food Bank CEO Beth Martino about how their organization is pivoting, how the state might step in, and the surprising stats and stories she's hearing on the front lines of hunger. Learn more about the sponsors of this November 4th episode: Southern Nevada Water Authority Want to get in touch? Follow us @CityCastVegas on Instagram, or email us at lasvegas@citycast.fm. You can also call or text us at 702-514-0719. For more Las Vegas news, make sure to sign up for our morning newsletter, Hey Las Vegas. Learn more about becoming a City Cast Las Vegas Neighbor at membership.citycast.fm. Looking to advertise on City Cast Las Vegas? Check out our options for podcast and newsletter ads at citycast.fm/advertise.

PREVIEW: Social Security Reform: Capping Benefits for the Wealthiest Guest: Veronique De Rugy Veronique De Rugy discusses the looming Social Security deadline set for 2033, when the program faces a funding shortfall, and potential campaign responses during the 2028 election cycle. De Rugy proposes a reform method she believes can be easily sold to the American people without raising taxes or causing inflation. Her specific proposal invites all Americans, from wealthy to poor, to share in solving the problem by capping benefits for those with the most money and the least need for the program. By capping benefits for the wealthiest seniors, the biggest beneficiaries would see the largest reductions, while those who truly need the program would see no cuts. She notes that today's seniors are generally doing much better financially than when the program was originally created. 1936

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The YWCA fears that without secure funding there will be more families and children in dangerous situations.