Podcasts about spia

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Best podcasts about spia

Latest podcast episodes about spia

The Retirement and IRA Show
Social Security PSAs, FIAs, SPIAs, and MYGAs: Q&A #2525

The Retirement and IRA Show

Play Episode Listen Later Jun 21, 2025 92:03


Jim and Chris begin with three PSAs on Social Security experiences, then answer questions on fixed indexed annuities with market value adjustments, SPIA payout options for the Minimum Dignity Floor™, and the tax aggregation rule for MYGAs.(11:30) In this PSA Georgette clarifies that her husband, born February 1, received January benefits at full age 70, […] The post Social Security PSAs, FIAs, SPIAs, and MYGAs: Q&A #2525 appeared first on The Retirement and IRA Show.

The Retirement and IRA Show
Social Security, HSA Rules, SPIA Funding, and FIA Details: Q&A #2524

The Retirement and IRA Show

Play Episode Listen Later Jun 14, 2025 81:33


Jim and Chris address questions on Social Security survivor benefits, unreimbursed HSA expenses, SPIA funding from multiple accounts, and Fixed Indexed Annuity details. (7:45) Georgette asks whether drawing her own reduced Social Security benefit at 62 will affect her ability to switch to her deceased husband's full survivor benefit at age 67. (23:15) A listener […] The post Social Security, HSA Rules, SPIA Funding, and FIA Details: Q&A #2524 appeared first on The Retirement and IRA Show.

Esteri
Esteri di martedì 10/06/2025

Esteri

Play Episode Listen Later Jun 10, 2025 26:51


1) “Cercano aiuti trovano proiettili”. La testimonianza dalla striscia di Gaza sui centri di distribuzione della Gaza Humanitarian Fundation. Oggi altre 14 morti mentre aspettavano il cibo. (Sami Abuomar) 2) Gli attivisti della Freedom Flotilla che non sono stati espulsi da Israele sono in carcere. Tra loro anche l'eurodeputata Rima Hassan. Nei prossimi giorni dovrebbero essere processati. (Francesco Giorgini) 3) A Los Angeles arrivano i Marines. Trump continua con il pugno duro e la repressione, mentre la protesta si espande ad altre città. (Roberto Festa) 4) In vista del vertice Nato di fine giugno, la Spagna guida il fronte del no all'aumento delle spese militari al 5%. (Giulio Maria Piantadosi) 5) Rubrica sportiva. Il derby di Atene di pallacanestro segnato da risse e violenza. (Luca Parena) 6) Spia, pilota, giornalista e scrittore. E' morto il re di libri thriller Frederick Forsyth. (Luca Crovi - scrittore) 7) Addio a Sly Stone, il musicista che ha dato forma e corpo ad un'epoca, tra musica, sentimento e politica a tutti gli effetti. (Claudio Agostoni)

Matteo Flora
La mia nuova Tesla spia le persone. Il lato oscuro delle auto intelligenti! #1409

Matteo Flora

Play Episode Listen Later May 28, 2025 5:43


Le nuove Tesla e altri veicoli smart possono diventare sistemi involontari di sorveglanza di massa? Dopo aver applicato uno sticker ironico contro Elon Musk sulla mia nuova Tesla, è accaduto qualcosa di curioso: grazie alla modalità Sentinella, che registra costantemente ciò che avviene intorno al veicolo, molte persone si sono avvicinate per fare foto, sorridere e commentare.Apparentemente divertente, questa funzione apre però a scenari inquietanti per la privacy e la sorveglianza generalizzata. In effetti, dispositivi sempre più sofisticati e accessori aftermarket consentono di raccogliere dati video, immagini e informazioni meteo, con possibilità di archiviarli e addirittura venderliOltre ai benefici tecnologici e sociali (utili per migliorare la guida autonoma e la sicurezza stradale), esiste un evidente rischio di abuso. Più che semplici auto, ci troviamo davanti a migliaia di strumenti ''invisibili'' pronti a monitorare vite quotidiane e intere città.Quali implicazioni sulla libertà personale e sulla privacy? Quale futuro vogliamo costruire con queste tecnologie?~~~~~ INGAGGI E SPONSORSHIP ~~~~~ Per contatti commerciali: sales@matteoflora.comPer consulenze legali: info@42LawFirm.it~~~~~ SOSTIENI IL CANALE! ~~~~~Con la Membership PRO puoi supportare il Canale » https://link.mgpf.it/proSe vuoi qui la mia attrezzatura » https://mgpf.it/attrezzatura~~~~~ SEGUIMI ANCHE ONLINE CON LE NOTIFICHE! ~~~~~» CANALE WHATSAPP » https://link.mgpf.it/wa» CANALE TELEGRAM » https://mgpf.it/tg» CORSO (Gratis) IN FUTURO » https://mgpf.it/nl» NEWSLETTER » https://mgpf.it/nl~~~~~ CIAO INTERNET E MATTEO FLORA ~~~~~ Questo è “Ciao Internet!” la prima e più seguita trasmissione di TECH POLICY in lingua italiana, online su YouTube e in Podcast.Io sono MATTEO FLORA e sono:» Professore in Fondamenti di Sicurezza delle AI e delle SuperIntelligenze (ESE)» Professore ac in Corporate Reputation e Crisis Management (Pavia).Sono un Imprenditore Seriale del digitale e ho fondato:» The Fool » https://thefool.it - La società italiana leader di Customer Insight» The Magician » https://themagician.agency - Atelier di Advocacy e Gestione della Crisi» 42 Law Firm » https://42lf.it - Lo Studio Legale per la Trasformazione Digitale » ...e tante altre qui: https://matteoflora.com/#aziendeSono Future Leader (IVLP) del Dipartimento di Stato USA sotto Amministrazione Obama nel programma “Combating Cybercrime (2012)”.Sono Presidente di PermessoNegato, l'associazione italiana che si occupa di Pornografia Non- Consensuale e Revenge Porn.Conduco in TV “Intelligenze Artificiali” su Mediaset/TgCom.

105 Music & Cars
LA FIGLIA DI FABIO FA LA SPIA

105 Music & Cars

Play Episode Listen Later May 8, 2025


Il Divertificio Di 105 Music & Cars, con Fabiola e Dario Spada

Il Disinformatico
Smart TV che fanno la spia mandando screenshot di quello che guardiamo

Il Disinformatico

Play Episode Listen Later Apr 7, 2025 12:39


Da oltre un decennio, in molti televisori è annidata una funzione che cattura l'immagine di quello che c'è sullo schermo e ne manda una sintesi a un archivio centralizzato a scopo commerciale. Si chiama ACR, e ovviamente ha delle enormi implicazioni di privacy ed è fonte di continua irritazione degli utenti che si trovano bombardati di pubblicità. Vediamo come funziona, come localizzarla e soprattutto come disattivarla.

Breaking News Italia - Ultime Notizie
Drone Russo Spia Avvistato In Italia: Operazioni Militari In Pericolo!

Breaking News Italia - Ultime Notizie

Play Episode Listen Later Apr 1, 2025 3:03


Drone Russo Spia Avvistato In Italia: Operazioni Militari In Pericolo!Un drone sospetto ha sorvolato per giorni uno dei centri più sorvegliati d'Europa, lasciando dubbi e inquietudini. Ecco che cosa succederà!#breakingnews #ultimenotizie #notiziedelgiorno #notizie #cronaca #allarme #autorizzato #centro #chi #commissione #conseguenze #dove #drone #europeo #italia #militari #non #operazioni #pericolo #russia #russo #sicurezza #spia #volare

“Fun with Annuities” The Annuity Man Podcast
Swap Your Income Rider for a SPIA: Shootin' It Straight With Stan

“Fun with Annuities” The Annuity Man Podcast

Play Episode Listen Later Mar 19, 2025 10:18


In this episode, The Annuity Man discussed:  Income Riders vs. Single Premium Immediate Annuities (SPIA) Comparison Process Strict rules  Probability of Improvement   Key Takeaways:  Stan explains that in some cases, you can potentially swap an income rider from a variable or indexed annuity for a SPIA with a higher guaranteed lifetime income stream. To determine if a transfer makes sense, you must: compare the income rider amount, use the accumulation value (not the income rider value), ensure the new annuity provides a higher contractual guarantee, verify the transfer is a non-taxable event The annuity industry has strict rules to prevent unnecessary "flipping" of annuities. Any transfer must demonstrate a clear financial benefit to the consumer, with a side-by-side comparison showing a higher contractual guarantee. Stan estimates that about 70% of the time, you won't beat the existing income rider by transferring to a SPIA. However, he recommends checking to ensure you have the highest possible contractual guarantee.   "The annuity industry does not want agents and advisors out there transferring an account to create a commission for the agent or advisor. Whatever you think about the annuity industry, they really do care about the consumer." —  Stan The Annuity Man.    Connect with The Annuity Man:  Website: http://theannuityman.com/  Email: Stan@TheAnnuityMan.com  Book: Owner's Manuals: https://www.stantheannuityman.com/how-do-annuities-work YouTube: https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g  Get a Quote Today: https://www.stantheannuityman.com/annuity-calculator! 

Ciao! Leggo la Bibbia
262- Chi fa la spia non è figlio di Maria

Ciao! Leggo la Bibbia

Play Episode Listen Later Mar 4, 2025 4:05


Gli spioni vengono giustamente fatti fuori male Learn more about your ad choices. Visit megaphone.fm/adchoices

Rassegna(ta) Stampa
SCANDALO Paragon: Meloni Spia Tutti? - Le Chat IMBARAZZANTI di FdI.

Rassegna(ta) Stampa

Play Episode Listen Later Feb 10, 2025 10:31


La variante Parenzo
Lo scandalo “software spia”, altra grana per il governo? - Le chat di FDI pubblicate in un libro

La variante Parenzo

Play Episode Listen Later Feb 7, 2025


Lo scandalo “software spia”, altra grana per il governo? - Le chat di FDI pubblicate in un libro

Britannia
#96 - Joelinton spia

Britannia

Play Episode Listen Later Jan 22, 2025 59:36


Il solito rant sul Manchester United, il punto su Arsenal e Liverpool e Newcastle-Bournemouth.Britannia è il podcast sulla Premier League che vi tiene aggiornati abbastanza da potervi bullare con gli amici.A raccontarvi cosa succede nel mondo di oltremanica sono le voci di Alessandro Giura, Federico Sborchia e Nicola LozuponeI nostri social:TwitterInstagramSottofondo: Chasing the Dragons - Joel Cummins, Kris Myers, Andy Farag, fornita da Gregorio Parisi

Radio Nizza - Ultime Notizie
Nizza24: Radio Nizza su Alexa - Subito minaccia di sfiducia per il nuovo governo - Lo Stato Francese spia tramite social media e AI

Radio Nizza - Ultime Notizie

Play Episode Listen Later Jan 15, 2025 6:14


Nizza24: Radio Nizza su Alexa - Subito minaccia di sfiducia per il nuovo governo - Lo Stato Francese spia tramite social media e AI

Radio Nizza - Ultime Notizie
Nizza24: Tram, nuova linea B e tutti i cambiamenti in vigore - Multe, attenti alle auto spia - Marineland, chiusura "annualle"

Radio Nizza - Ultime Notizie

Play Episode Listen Later Jan 6, 2025 7:09


Nizza24: Tram, nuova linea B e tutti i cambiamenti in vigore - Multe, attenti alle auto spia - Marineland, chiusura "annualle"

Retire With Style
Episode 158: Retire with Style Live (not really) Q&A: Part 2

Retire With Style

Play Episode Listen Later Dec 24, 2024 34:50


In this episode of  'Retire with Style' Alex and Wade continue answering your questions about the various aspects of retirement planning. Their conversation focuses on the implications of the Secure Act 2.0 on SPIA and RMD calculations, the legal responsibilities surrounding RMD miscalculations, strategies for protecting late-life income against inflation, optimizing Social Security payments, and the considerations for Roth IRA contributions versus distributions. They also emphasize the importance of understanding new regulations, legal implications, and financial strategies to ensure a secure retirement. Listen now to learn more!   Takeaways Understanding the new RMD rules can significantly impact retirement planning. SPIA payments can now be aggregated with IRA balances for RMD calculations. Legal advice may be necessary for resolving RMD miscalculations. Treasury Inflation-Protected Securities (TIPS) can help protect against inflation. Roth IRA contributions should ideally be made early in the year. Dollar-cost averaging can mitigate market volatility in distributions. Innovative financial products are emerging to address retirement income needs. Understanding the implications of the Secure Act 2.0 is essential for retirees. Chapters 00:00 Strategies for Achieving a Funded Ratio 01:22 Understanding RMDs and SPIAs 12:28 Inflation Protection for Late Life Income 22:41 Optimizing Social Security Benefits 24:11 Investment Strategies: Lump Sum vs. Dollar Cost Averaging 32:07 Withdrawal Strategies: Constant Percentage vs. Variable Spending   Links The Retirement Planning Guidebook: 2nd Edition has just been updated for 2024! Visit your preferred book retailer or simply click here to order your copy today: https://www.wadepfau.com/books/  This episode is sponsored by McLean Asset Management. Visit https://www.mcleanam.com/retirement-income-planning-llm/ to download McLean's free eBook, “Retirement Income Planning”

AI CONFINI - di Massimo Polidoro
007 - È esistito davvero?

AI CONFINI - di Massimo Polidoro

Play Episode Listen Later Dec 19, 2024 28:48


Tutti conosciamo la spia più famosa del mondo: James Bond, l'agente 007. Ma che cosa sappiamo veramente delle sue origini? Da dove nasce l'idea di questo personaggio? Esiste per caso un'autentica spia che ha ispirato lo scrittore? E se fosse qualcuno… molto famoso? Lo scopriremo nell'ULTIMA puntata di questa stagione di Strane Storie!Aderisci alla pagina PATREON e sostieni i miei progetti e il mio lavoro: http://patreon.com/massimopolidoroPartecipa e sostieni su TIPEEE il progetto del mio Tour 2022 in tutta Italia: https://it.tipeee.com/massimopolidoroScopri i miei corsi online:https://www.massimopolidorostudio.comRicevi l'Avviso ai Naviganti, la mia newsletter settimanale: https://mailchi.mp/massimopolidoro/avvisoainavigantie partecipa alle scelte della mia communityE qui l'elenco completo dei miei libri disponibili: https://amzn.to/44feDp4Le musiche sono di Marco Forni e si possono ascoltare qui: https://hyperfollow.com/marcoforniSeguimi:Instagram: https://www.instagram.com/massimopolidoro/Gruppo FB: https://www.facebook.com/groups/MassimoPolidoroFanClubPagina FB: https://www.facebook.com/Official.Massimo.PolidoroTwitter: https://twitter.com/massimopolidoroSito e blog: http://www.massimopolidoro.comIscriviti al mio canale youtube: https://goo.gl/Xkzh8A

“Fun with Annuities” The Annuity Man Podcast
MYGA-2-SPIA for Full-Control Annuity Income: Shootin' It Straight With Stan

“Fun with Annuities” The Annuity Man Podcast

Play Episode Listen Later Dec 11, 2024 10:37


In this episode, The Annuity Man discussed:  What a MYGA and SPIA is  MYGA to SPIA Strategy  Flexibility and Control    Key Takeaways:  MYGA is the annuity industry's version of a CD, offering locked-in, non-callable interest rates annually. SPIA is the original lifetime income annuity, with a long history dating back to Roman times and used for pension payments. Use a MYGA to lock in a guaranteed interest rate for a specific duration, such as five years then take out interest or up to 10% penalty-free, depending on the specific MYGA. At the end of the duration, the Myga can be transferred to a SPIA, with a non-taxable event transfer. The MYGA to SPIA strategy takes advantage of the control and flexibility that these two products offer. MYGAs and SPIAs also do not have any annual fees, which makes them very cost-effective.    "You can have your cake and eat it too - just a few bites. You can protect the principal. You can peel off interest, if needed, during that duration of the MYGA, and at the end of that term, you have full control of the asset." —  Stan The Annuity Man.    Connect with The Annuity Man:  Website: http://theannuityman.com/  Email: Stan@TheAnnuityMan.com  Book: Owner's Manuals: https://www.stantheannuityman.com/how-do-annuities-work YouTube: https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g  Get a Quote Today: https://www.stantheannuityman.com/annuity-calculator!

Ipsoa Podcast
Dall'autofattura spia alla comunicazione alle Entrate: cambiare tutto per non cambiare nulla?

Ipsoa Podcast

Play Episode Listen Later Dec 9, 2024 4:55


Il D.Lgs. n. 87/2024 ha modificato, a decorrere dal 1° settembre 2024, la disciplina dell'autofattura denuncia, sostituendola con una comunicazione da inviare all'Agenzia delle Entrate. Come funziona? L'approfondimento di Andrea Bongi

The Retirement and IRA Show
Family Benefit Limit, Means Test, QCDs, Tax Strategies, and SPIA Income: Q&A #2449

The Retirement and IRA Show

Play Episode Listen Later Dec 7, 2024 75:57


Jim and Chris discuss listener questions relating to the Family Benefit Limit, Means Test, Qualified Charitable Donations, tax strategies for pension benefits, and spreadsheet tracking of SPIA income. (10:00) Georgette asks about factoring in the Family Benefit Limit while deciding when to start taking Social Security (19:30) A listener looks for a better understanding of […] The post Family Benefit Limit, Means Test, QCDs, Tax Strategies, and SPIA Income: Q&A #2449 appeared first on The Retirement and IRA Show.

The Retirement and IRA Show
Earnings Test, IRMAA, Survivor Benefits, 529 Plans, and SPIAs: Q&A #2447

The Retirement and IRA Show

Play Episode Listen Later Nov 23, 2024 84:09


Jim and Chris sit down to answer listener questions related to Social Security, 529 Plans, and SPIA payments… (6:30) A listener wonders if they will be subject to the Social Security earnings test. (14:30) The guys weigh in on if/how a Roth conversion would impact an IRMAA appeal. (30:30) Chris answers whether there is a […] The post Earnings Test, IRMAA, Survivor Benefits, 529 Plans, and SPIAs: Q&A #2447 appeared first on The Retirement and IRA Show.

Titoloni
Ep. 108 | La Russia ci spia ed è nostra nemica.

Titoloni

Play Episode Listen Later Nov 21, 2024 20:13


di Massimiliano Coccia | in collaborazione con Linkiesta | Rassegna stampa del 21 11 2024 Nel tardo pomeriggio di ieri si è diffusa la notizia di un'inchiesta che riguarda due imprenditori della Brianza accusati di vendere informazioni agli 007 russi. Un piano molto particolare che avrebbe mirato al tracciamento e al sabotaggio di strutture civili e militari. Nel frattempo in Europa si sta per chiudere la prossima Commissione. Sarà dura ricomporre una maggioranza sfilacciata da settimane di critiche reciproche.

Rassegna Stampa
La non scelta di Bezos, chi spia i nostri dati, chi paga le tasse per tutti

Rassegna Stampa

Play Episode Listen Later Oct 30, 2024 23:47


Diva Podcast
Ep.147 - Smaschero il Calippo Tour con una spia!

Diva Podcast

Play Episode Listen Later Oct 21, 2024 21:40


Grazie ad una spia ho scoperto dei dettagli interessanti sul Calippo Tour! Ne parliamo nella nuova puntata di Diva Podcast!

The Precision-Guided Podcast
Episode 69: An Introduction to Intelligence Oversight with Dr. Loch K. Johnson

The Precision-Guided Podcast

Play Episode Listen Later Oct 15, 2024 61:36


In this episode of the Precision-Guided Podcast, University of Georgia and Georgetown University alumna Stephanie Cannon interviews Dr. Loch K. Johnson, Regents Professor Emeritus of Public and International Affairs at the University of Georgia, to discuss the relationship between Congress and the intelligence community. Loch K. Johnson is Regents Professor Emeritus of Public and International Affairs in the School of Public and International Affairs (SPIA) at the University of Georgia.  He received the Ph.D. degree in Political Science at the University of California, Riverside.  The author of over thirty books, among his most recent are The Third Option: Covert Action and American Foreign Policy (Oxford, 2022); Advanced Introduction to American Foreign Policy (Elgar, 2021); Spy Watching: Intelligence Accountability in the United States (Oxford, 2018); National Security Intelligence: Secret Operations in the Defense of the Democracies (Polity, 2017); and A Season of Inquiry Revisited: The Church Committee Confronts America's Spy Agencies (University Press of Kansas, 2015).  He has been an American Political Science Association Congressional Fellow; a Visiting Fellow at Yale and Oxford Universities; a Phi Beta Kappa Visiting Scholar; and, for eighteen years (2001-2019), editor-in-chief of the international journal Intelligence and National Security.  He also served in the U.S. government as the senior aide to the chairman of the Church Committee on Intelligence in the Senate, as well as the chairman of the Aspin-Brown Commission on Intelligence in the White House.  He was the first staff director of the Subcommittee on Oversight in the House Permanent Select Committee on Intelligence.  At the University of Georgia he led the founding of SPIA, established in 2001.  The consortium of universities that comprise the Southeast Conference (SEC) in the United States selected Professor Johnson as its inaugural “Professor of the Year” in 2012; and the University presented him with its Presidential Medal in 2022.

Breaking News Italia - Ultime Notizie
Spiava Conti Bancari Dei Politici: Giorgia Meloni Su Tutte Le Furie!

Breaking News Italia - Ultime Notizie

Play Episode Listen Later Oct 13, 2024 3:10


Spiava Conti Bancari Dei Politici: Giorgia Meloni Su Tutte Le Furie!Un bancario è accusato di aver spiato i conti di oltre 3.500 clienti, tra cui Giorgia Meloni e molti VIP. Ecco che cosa è accaduto!#breakingnews #ultimenotizie #notiziedelgiorno #notizie #cronaca #banca #bancari #contocorrente #furia #giorgiameloni #governo #politica #social #spia #vincenzocoviello #web

Between Branches
The Insurance Company is Going to Keep My Money!

Between Branches

Play Episode Listen Later Oct 11, 2024 1:45


I just got off the phone with an advisor, He wanted help providing additional retirement income for his client. A SPIA, Single Premium Immediate Annuity, gave them the most income. He said, “But if my client passes away, the insurance company is going to keep the rest of the money, nothing will be left for their kids.” I hear this misconception all the time and it's... Not true. There are so many ways to structure an annuity, and we figured out a way that made the most sense for these folks. Providing Lifetime Protected Income AND a Legacy for their Beneficiaries. What "annuity myth" do you hear the most? Let me know in the comments.

ANSA Voice Daily
PRIME PAGINE | Spiati i conti delle sorelle Meloni, inchiesta a Bari

ANSA Voice Daily

Play Episode Listen Later Oct 11, 2024 18:25


Daybreak
Previewing the frosh survey ft. Suthi Navaratnam-Tomayko — Friday, Sep. 27

Daybreak

Play Episode Listen Later Sep 27, 2024 5:11


Today, we cover the results of the Class of 2028 frosh survey, a reduction in SPIA Junior Paper requirements, New York Mayor Eric Adams' indictment, and a Japanese destroyer sailing through the Taiwan Strait for the first time yesterday.*** You can find the frosh survey here later this weekend: https://www.dailyprincetonian.com/section/projects You can read more about SPIA's new JP requirements here: https://www.dailyprincetonian.com/article/2024/09/princeton-news-adpol-spia-department-changes-requirements-for-junior-independent-work 

Your Money, Your Wealth
3 Strategies to Pay Roth Conversion Taxes - 495

Your Money, Your Wealth

Play Episode Listen Later Sep 17, 2024 33:51


Today on Your Money, Your Wealth® podcast 495, Joe Anderson, CFP® and Big Al Clopine CPA spitball on three different listeners' strategies for paying the tax on a Roth conversion now, to have lifetime tax-free growth on that money in the future. Should Neo in San Clemente, California convert to Roth at the beginning or end of the year in his plan to make quarterly estimated tax payments on his conversion? Is it a good strategy for Tim in Minnesota to use reimbursements from his health savings account to pay Roth conversion taxes? And what do Joe and Big Al think of Samantha in Northern California's plan to convert to Roth and pay the tax with her IRA money? Plus, the fellas answer questions from our YouTube and Spotify followers on required minimum distributions from Roth accounts, reasons to put retirement withdrawals in a brokerage account instead of a Roth, choosing pension options, and the difference between commercial annuities and pension annuities. Plus, their thoughts on single premium immediate annuities (SPIA). Access all the following free financial resources and the episode transcript: https://bit.ly/ymyw-495 CALCULATE: A Financial Blueprint of your retirement readiness for free! DOWNLOAD: Complete Roth Papers Package  DOWNLOAD: Retirement Readiness Guide WATCH: What Happens to Your 401(k) & IRA at Retirement? YMYW TV REQUEST: Retirement Spitball Analysis SCHEDULE: free financial assessment SUBSCRIBE: YMYW on YouTube DOWNLOAD: more free guides READ: financial blogs WATCH: educational videos SUBSCRIBE: YMYW Newsletter Timestamps:  00:00 - Intro 01:02 - Timing of Roth Conversions - and Paying Quarterly Estimated Taxes (Neo, San Clemente) 06:37 - Is Using HSA Reimbursement to Pay Roth Conversion Taxes a Good Strategy? (Tim, MN) 08:44 - Complete Roth Papers Package - free download. Financial Blueprint - free retirement analysis 09:39 - How Is Our Plan to Convert to Roth and Pay the Tax With IRA Money? (Samantha, Northern California) 19:15 - What Happens to Your 401(k) & IRA at Retirement? Watch YMYW TV, download the Retirement Readiness Guide 20:01 - RMDs for Roth Accounts: Clarification for Solo 401k (Andy, YouTube) 21:43 - Joe and Al walk into a bar… (Tony, YouTube) 22:44 - Any Reason to Put Withdrawals in Brokerage Instead of Roth? (Globe Trotter, YouTube) 23:35 - How to Decide Between Pension Options? (Frank, YouTube) 25:40 - Is a Pension Annuity a Bad Thing? (Invictus, YouTube) 26:47 - Are SPIAs the Best Annuity for Lifetime Income? (1212482970, Spotify) 29:23 - Outro 30:58 - The Derails

Money Girl's Quick and Dirty Tips for a Richer Life
Who Should Buy a Single Premium Immediate Annuity (SPIA)?

Money Girl's Quick and Dirty Tips for a Richer Life

Play Episode Listen Later Aug 16, 2024 14:01


Laura answers a listener's question about whether a single premium immediate annuity (SPIA) is right for her mother's retirement portfolio.Money Girl is hosted by Laura Adams. A transcript is available at Simplecast.Have a money question? Send an email to money@quickanddirtytips.com or leave a voicemail at 302-365-0308.Find Money Girl on Facebook and Twitter, or subscribe to the newsletter for more personal finance tips.Money Girl is a part of Quick and Dirty Tips.Links: https://www.quickanddirtytips.com/https://www.quickanddirtytips.com/money-girl-newsletterhttps://www.facebook.com/MoneyGirlQDThttps://twitter.com/LauraAdamshttps://lauradadams.com/

“Fun with Annuities” The Annuity Man Podcast
Defer 2 SPIA (MYGA-2-SPIA): Shootin' It Straight With Stan (TAM Classic)

“Fun with Annuities” The Annuity Man Podcast

Play Episode Listen Later Jun 26, 2024 14:00


In this episode, The Annuity Man discussed:  What are MYGAs and SPIAs?  Annuities are contractual commodities  MYGA to SPIA    Key Takeaways:  A MYGA, Multi-Year Guaranteed Annuity, is the annuity industry's version of a CD. The good news about MYGAs is that the interest rate is locked in and non-callable. This means that when interest rates go down, you're going to be locked in.  Annuities are contractual commodities, meaning that when you're buying them for the contractual guarantees, you can shop all carriers for the highest contractually guaranteed payout for your specific situation based on how you structure them.  Through MYGAs, you can protect the principal, peel off interest, and retain liquidity. After the duration of the MYGA, we can then shop all SPIA carriers and transfer the MYGA to the SPIA.    "You can have your cake and eat it too, you can protect the principle, you can peel off interest if needed during that duration of the MYGA, and at the end of that term, you have full control of the asset." —  Stan The Annuity Man.    Connect with The Annuity Man:  Website: http://theannuityman.com/  Email: Stan@TheAnnuityMan.com  Book: Owner's Manuals: https://www.stantheannuityman.com/how-do-annuities-work YouTube: https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g  Get a Quote Today: https://www.stantheannuityman.com/annuity-calculator!

Insurance Pro Blog Podcast
Retire Richer with These Tax Free Income Strategies

Insurance Pro Blog Podcast

Play Episode Listen Later Jun 9, 2024 33:21


Ready to retire richer? In this episode, we're back to build on last week's discussion about using tax-free income to beat inflation. We'll dive deep into cash value life insurance and other strategies that can help you achieve a financially secure retirement. We start by comparing a traditional retirement account growing at 8% annually with a $25,000 yearly contribution over 30 years. This brings the account balance to just over $3 million, providing a fully taxable income of $122,345 per year. But what if we took a different route? Next, we explore the option of saving the same amount in a brokerage account and purchasing a Single Premium Immediate Annuity (SPIA). Adjusting for taxes, this strategy yields an account balance of just over $2.5 million, with a SPIA providing more than $150,000 per year in income. The kicker? Only $58,776 of that income is taxable, thanks to the non-taxable portion of $91,224. Finally, we dive into the benefits of saving the same amount in a life insurance policy. An Indexed Universal Life (IUL) illustration shows a result of $142,488 per year in completely tax-free income. While this isn't as high as the SPIA, the tax-free nature of the income makes it a compelling option. Whether you're nearing retirement or have several years left to save, it's time to rethink your strategy. If you have other sources of saved money or time on your side, these tax-free or tax-reduced income strategies could significantly enhance your buying power. Tune in for a conversation that could transform your retirement planning and help you retire richer. Don't miss out! ________________________ If any of this sounds interesting to you, please click here to get in touch with us. 

Retire With Integrity Podcast with Brian Bowen
Financial Role Models, Estate Planning & Rainy Day Funds

Retire With Integrity Podcast with Brian Bowen

Play Episode Listen Later May 30, 2024 20:07


In this episode, Brian Bowen and Brett Sharp discuss the importance of being a good financial role model for children, the challenges of retirement planning for business owners, and strategies for protecting and growing business assets. They also cover the topic of emergency savings, the role of Social Security in retirement planning, and the concept of single premium immediate annuities (SPIA) for retirement income.    00:00  The Importance of Being a Financial Role Model for Children 03:15  Challenges of Retirement Planning for Business Owners 06:34  Strategies for Protecting and Growing Business Assets 11:18  Understanding Emergency Savings and Financial Preparedness 13:46  The Role of Social Security in Retirement Planning

Ready Set BBQ Podcast
Ep. 137 - Long Brisket Rest & Bucket List

Ready Set BBQ Podcast

Play Episode Listen Later May 2, 2024 45:37


Welcome back to the Ready Set BBQ podcast, your go-to destination for the latest and most exciting happenings around the world! In this episode, we talk about the NFL Draft, Ryan Garcia, Reggie Bush, Bucket list, 5 hour brisket rest, fish taco crawl, Cinco de Mayo, and Happy Hour crowd.  0-20 mins: Headlines/Joe TalkNFL Draft: We talk about the NFL Draft and how we felt our teams did.  Ryan Garcia: Were all the antics by Ryan Garcia just an act to get that pay day? Seems to be working for him.   Reggie Bush :  Reggie gets his Heisman trophy back.  Jaime wants to know where it's been all this time.  Bucket Lists: Coming off of National Bucket list day we talk about our bucket lists and anti bucket lists. 20-35 mins: BBQ TimeJohnny and Alma BBQ Class :Johnny and Alma go to competition bbq school with Balde at Pro Pits,  5 hour Brisket Rest : I cook a brisket in 4 and a half hours and let it rest for 5 hours, one of the best results so far.  Fish Taco Crawl: I take one of our RSB podcast fans to try a new fish taco place and the results blew our mind,.  Cinco de Mayo:  We are planning a Cinco de Mayo party along with some Canelo boxing fight.   35-45 mins: Gym Bro Tips RSB Warm up pants: Hiram wants us to come up with some ready set bbq pants so that he can stop giving his away.  Happy Hour Crowd: I ask Hiram if he has a happy hour crew he joins for drinks South Padre Island:   we talk plans to take our annual summer trip to SPIA bunch of joes that cook like pros!!!Palmer Drug Abuse Program - McAllenPalmer Drug Abuse Program (pdapmcallen.org)Websitehttps://www.readysetbbq.com/Elda's KitchenHome - Elda's Kitchen (eldaskitchen.com)Website/Shop https://www.readysetbbq.com/Facebook Page https://www.facebook.com/readysetbbq

Sound Investing
Understanding the Pros and Cons of Annuities with Stan Haithcock

Sound Investing

Play Episode Listen Later May 1, 2024 81:39


I interviewed Stan Haithcock, the expert I depend on when I have questions about annuities. We will dig into single premium life annuities (SPIA), multiple-year guaranteed annuities (MYGA) and other insurance products that are often over sold and over priced. What is the truth and how can you get what you need at the right price? Join me and Stan as he answers my questions and yours. Stan Haithcock, also known as "Stan the Annuity Man" is recognized as one of the top independent annuity agents in the United States. Stan has authored seven books on annuities — all free on his website— and has produced over 1,000 educational videos on YouTube. His goal is to help do-it-yourself investors understand how annuities work and to protect them from costly mistakes. Click to watch video

Sound Investing
Understanding the Pros and Cons of Annuities with Stan Haithcock

Sound Investing

Play Episode Listen Later May 1, 2024 81:39


I interviewed Stan Haithcock, the expert I depend on when I have questions about annuities. We will dig into single premium life annuities (SPIA), multiple-year guaranteed annuities (MYGA) and other insurance products that are often over sold and over priced. What is the truth and how can you get what you need at the right price? Join me and Stan as he answers my questions and yours. Stan Haithcock, also known as "Stan the Annuity Man" is recognized as one of the top independent annuity agents in the United States. Stan has authored seven books on annuities — all free on his website— and has produced over 1,000 educational videos on YouTube. His goal is to help do-it-yourself investors understand how annuities work and to protect them from costly mistakes. ⁠Click to watch video

Racconti di Storia Podcast
La Piu' Grande SPIA ISRAELIANA: Wolfgang LOTZ

Racconti di Storia Podcast

Play Episode Listen Later Mar 26, 2024 25:07


OFFERTA ESCLUSIVA NORDVPN Non perderla: https://nordvpn.com/dentrolastoriaAll'inizio degli anni '60 nella capitale egiziana il gotha delle sfere militari nasseriane, dei Servizi e della comunità tedesca si ritrova alla sera in un circolo d'equitazione. Il proprietario è un ex ufficiale dello Heer con trascorsi nell'Afrika Korps, alto, biondo, occhi azzurri, lineamenti grifagni, di provata fede nazista e antisemita. Nulla di più falso: dietro l'identità di Wolfgang Lotz si nasconde la più temibile spia che gli israeliani siano mai riusciti a infiltrare al Cairo. Un uomo capace di reinventarsi una vita, con una nuova moglie, nuove amicizie e nuovi contatti con una sola missione: sabotare il programma missilistico di Nasser.Il nostro canale Youtube: https://www.youtube.com/channel/UC1vziHBEp0gc9gAhR740fCwSostieni DENTRO LA STORIA su Patreon: https://www.patreon.com/dentrolastoriaAbbonati al canale: https://www.youtube.com/channel/UC1vziHBEp0gc9gAhR740fCw/joinSostienici su PayPal: https://paypal.me/infinitybeatDentro La Storia lo trovi anche qui: https://linktr.ee/dentrolastoriaBecome a supporter of this podcast: https://www.spreaker.com/podcast/racconti-di-storia-podcast--5561307/support.

Racconti di Storia Podcast
ELYESA BAZNA: La SPIA Che Avrebbe Potuto CAMBIARE Il Corso Della SECONDA GUERRA MONDIALE

Racconti di Storia Podcast

Play Episode Listen Later Mar 22, 2024 22:13


OFFERTA ESCLUSIVA NORDVPN Non perderla: https://nordvpn.com/dentrolastoriaCi sono spie addestratissime, professionisti che custodiscono segreti o agenti capaci di intrufolarsi in organizzazioni nemiche spacciandosi per amici. E poi ci sono le spie improvvisate, improbabili: è il caso di Elyesa Bazna, factotum turco di origine albanese, che a Istanbul diviene assistente dell'ambasciatore britannico. Mosso dall'avidità e caratterizzato da una eccessiva tendenza a chiacchierare, Bazna diviene Cicero, agente segreto della Germania nazista col compito di reperire documenti segretissimi. Ironia della sorte, l'RSHA e l'Abwher non crederanno mai fino in fondo al prodotto della fonte Cicero che verrà pagata sì... ma con una moneta molto particolare.Il nostro canale Youtube: https://www.youtube.com/channel/UC1vziHBEp0gc9gAhR740fCwSostieni DENTRO LA STORIA su Patreon: https://www.patreon.com/dentrolastoriaAbbonati al canale: https://www.youtube.com/channel/UC1vziHBEp0gc9gAhR740fCw/joinSostienici su PayPal: https://paypal.me/infinitybeatDentro La Storia lo trovi anche qui: https://linktr.ee/dentrolastoriaBecome a supporter of this podcast: https://www.spreaker.com/podcast/racconti-di-storia-podcast--5561307/support.

Racconti di Storia Podcast
La LEGGENDA Della ROSA Di TOKYO

Racconti di Storia Podcast

Play Episode Listen Later Mar 22, 2024 16:28


OFFERTA ESCLUSIVA NORDVPN Non perderla: https://nordvpn.com/dentrolastoriaNata in California nel giorno dell'indipendenza americana, Iva Toguri è passata alla storia con l'identità della "più amichevole nemica" delle forze angloamericane nel Pacifico durante la Seconda Guerra Mondiale. La gentile voce di Radio Tokyo durante il programma "The Zero Hour" era sua, inconfondibile per il tono gentile e garbato. Ma quella ragazza, accusata dai compatrioti di tradimento, rischiava la vita sabotando le trasmissioni giapponesi e portando di nascosto del cibo ai prigionieri delle terribili carceri del Sol Levante.Il nostro canale Youtube: https://www.youtube.com/channel/UC1vziHBEp0gc9gAhR740fCwSostieni DENTRO LA STORIA su Patreon: https://www.patreon.com/dentrolastoriaAbbonati al canale: https://www.youtube.com/channel/UC1vziHBEp0gc9gAhR740fCw/joinSostienici su PayPal: https://paypal.me/infinitybeatDentro La Storia lo trovi anche qui: https://linktr.ee/dentrolastoriaBecome a supporter of this podcast: https://www.spreaker.com/podcast/racconti-di-storia-podcast--5561307/support.

Prima Pagina
22 febbraio Batticuore per il terzo mandato; Spia russa doveva distruggere Biden ; Navalny ucciso col pungo al cuore. Di Italo Carmignani

Prima Pagina

Play Episode Listen Later Feb 22, 2024 20:12


#TerzoMandato oggi la conta dei voti @FrancescoiBechis ; #Schlein in Sardegna , ma niente incontro con #Conte @AndreaBulleri ; #Navalny ucciso con un #Pugnounico , #Meloni pronta per il #G7 dopo avere catechizzato i suoi fedelissimi @MarioAjello ; #Spia pagata dai russi doveva distruggere #Biden e favorire #Trump @AnnaGuaita ; #Moltodonna @MariaLombardi

“Fun with Annuities” The Annuity Man Podcast
Annuities Can Have Flexible Income Start Dates: Shootin' It Straight With Stan

“Fun with Annuities” The Annuity Man Podcast

Play Episode Listen Later Feb 21, 2024 11:07


In this episode, The Annuity Man discussed:  The four lifetime income products How annuities are priced  The simplicity of SPIA  Getting the highest guarantee    Key Takeaways:  There are four lifetime income products: Single Premium Immediate Annuities, Deferred Income Annuities, Qualified Longevity Annuity Contracts, and Income Riders that can be attached to Variable Annuities and Indexed Annuities.  Annuities are priced primarily on your life expectancy at the time you start the payment. Interest rates play a secondary role.  Deferred Income Annuities are in essence just a Single Premium Immediate Annuity that is deferred past a year. A SPIA has no moving parts, no market attachments, and no annual fees. It is a straight transfer of risk.  The highest possible payments you can have from an annuity are from a life-only annuity. This is the annuity for people who don't want to give to any beneficiaries. Companies often issue these without the option to change the start date, but you can change the start date if the contract has a cash refund or period certain attached to it.    "That income for life transfer risk strategy with annuities, typically four primary types SPIAS, DIAS, QLACs, and Income Riders. We can structure it so that you have the ability to pivot and change that income start date." —  Stan The Annuity Man.    Connect with The Annuity Man:  Website: http://theannuityman.com/  Email: Stan@TheAnnuityMan.com  Book: Owner's Manuals: https://www.stantheannuityman.com/how-do-annuities-work YouTube: https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g  Get a Quote Today: https://www.stantheannuityman.com/annuity-calculator! 

Non Aprite Quella Podcast
S07 E05 Il Caso Boursicot - La spia che mi baciò

Non Aprite Quella Podcast

Play Episode Listen Later Feb 14, 2024 59:24


Siamo fra la Francia e la Cina, durante gli anni della Guerra Fredda. Bernard Boursicot - un importante diplomatico francese che lavora all'ambasciata di Pechino - si innamora perdutamente di una cantante d'opera cinese. Questa persona gli nasconderà, per 18 lunghi anni, un incredibile segreto capace di mettere entrambi al centro di uno dei più folli e surreali casi di spionaggio internazionale della storia. Iscrivi al Patreon per ascoltare UN EPISODIO IN PIÙ a settimana: patreon.com/NAQP Seguici su Instagram per video esclusivi e molto altro: @nonapritequellapodcast Per sponsor, collaborazioni o semplici mail: nonapritequellapodcast@gmail.com Segui Matteo su Instagram: @matteo.lenardon Segui Pedar su Instagram: @iosonopedar Segui J-Ax su Instagram: @j.axofficial Learn more about your ad choices. Visit megaphone.fm/adchoices

“Fun with Annuities” The Annuity Man Podcast
Exchange Your Income Rider for a SPIA: Shootin' It Straight With Stan

“Fun with Annuities” The Annuity Man Podcast

Play Episode Listen Later Feb 7, 2024 12:19


In this episode, The Annuity Man discussed:  The Income Rider and the accumulation value  Two numbers you need before you transfer to SPIA Calculating a SPIA quote  When you should transfer to a SPIA   Key Takeaways:  The Income Rider is an attachment to a policy that guarantees a lifetime income stream but it's a separate calculation from the accumulation value. The accumulation value in simple terms is the real money.  Take the accumulation value of the policy and ask the company to give you two guaranteed contractual numbers: first is the Income Rider number of what the lifetime income stream would be, and second, the annuitization number if you took that accumulation value and converted it to a SPIA.  After requesting those two numbers, you can run a SPIA quote using the calculator found at this link: https://www.stantheannuityman.com/annuity-calculators  You must only transfer from an Income Rider to a SPIA if you will be given a higher contractually guaranteed amount. Do a comparison first before transferring. Stay with your current policy if a transfer wouldn't provide a higher contractual guarantee.    "Stay where you are and turn on the Income Rider when you need income. But there are going to be situations like what John Lenz ran into where we can beat the Income Rider using the accumulation value in a SPIA, quoting all carriers." —  Stan The Annuity Man.    Connect with The Annuity Man:  Website: http://theannuityman.com/  Email: Stan@TheAnnuityMan.com  Book: Owner's Manuals: https://www.stantheannuityman.com/how-do-annuities-work YouTube: https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g  Get a Quote Today: https://www.stantheannuityman.com/annuity-calculator!

Prima Pagina
13 gennaio Candidatura Schlein, Pd spaccato ; L'importanza del voto di Taiwan ; Per gli svizzeri, Sordi spia sovietica. Di Italo Carmignani

Prima Pagina

Play Episode Listen Later Jan 13, 2024 20:53


#Elezioni #Schlein #europee candidatura contestata @AndreaBulleri ; #Voto #Taiwan destino della #Cina @AnnaGuaita ; #Banche #crisi #tagli #personale @Angelo Paura ; #AlbertoSordi considerato dagli svizzeri una #spia #russa #sovietica @GloriaSatta ; #Mindthegap #AntonellaCastellina @PaoloTravisi

“Fun with Annuities” The Annuity Man Podcast
MYGA-2-SPIA for Full-Control Annuity Income: Shootin' It Straight With Stan

“Fun with Annuities” The Annuity Man Podcast

Play Episode Listen Later Dec 6, 2023 12:18


In this episode, The Annuity Man discussed:  What are MYGAs and SPIAs?  Annuities are contractual commodities  MYGA to SPIA    Key Takeaways:  A MYGA, Multi-Year Guaranteed Annuity, is the annuity industry's version of a CD. The good news about MYGAs is that the interest rate is locked in and non-callable. This means that when interest rates go down, you're going to be locked in.  Annuities are contractual commodities, meaning that when you're buying them for the contractual guarantees, you can shop all carriers for the highest contractually guaranteed payout for your specific situation based on how you structure them.  Through MYGAs, you can protect the principal, peel off interest, and retain liquidity. After the duration of the MYGA, we can then shop all SPIA carriers and transfer the MYGA to the SPIA.    "You can have your cake and eat it too, you can protect the principle, you can peel off interest if needed during that duration of the MYGA, and at the end of that term, you have full control of the asset." —  Stan The Annuity Man.    Connect with The Annuity Man:  Website: http://theannuityman.com/  Email: Stan@TheAnnuityMan.com  Book: Owner's Manuals: https://www.stantheannuityman.com/how-do-annuities-work YouTube: https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g  Get a Quote Today: https://www.stantheannuityman.com/annuity-calculator! 

Daybreak
Who runs Princeton? ft. Ryan Konarska and Rishi Kannan — Friday, Sept. 29

Daybreak

Play Episode Listen Later Sep 29, 2023 5:38


Today, we take a look at the administration of the University, Eisgruber's recent visit to the White House, an update from the SPIA in D.C. initiative, and rapidly melting glaciers in Switzerland.For more on Eisgruber's visit to the White House, click here, or check out dailyprincetonian.com.

The Money Advantage Podcast
Lifetime Annuity Income

The Money Advantage Podcast

Play Episode Listen Later Sep 11, 2023 66:48


By popular demand, we will be continuing our conversations from last week on annuity strategies! This time, we are joined by special guest Joseph DeFazio! Joe is a seasoned financial educator and will bring a fresh perspective on lifetime annuity income and how annuities can benefit your financial life! https://www.youtube.com/watch?v=YtZbQx8qVXc If you're interested in guaranteed lifetime income, then this video is for you! We'll discuss the different types of annuities and explain the basics of lifetime annuity income. Annuities: Risk TransferHow to Structure Your AnnuityWhat is a SPIA? Who Should Consider Annuities?Lifetime Annuity IncomeBook A Strategy Call Annuities: Risk Transfer [11:10] “An annuity is a private contract that completely transfers the risk of outliving your money to the insurance company in exchange for a premium payment. The insurance company uses bonds and [then] layers on actuarial calculations, actuarial science, that pools the risk so they can guarantee an income stream for as long as your contract specifies.” In other words, an annuity is the inverse of whole life insurance, which transfers the risk of not living long enough to the insurance company (in exchange for a premium). Because insurance companies manage the risk of living too long AND not long enough, they've created balance.  How to Structure Your Annuity There are two phases to an annuity: the accumulation phase and the annuitization phase. During the accumulation phase, you're funding the annuity, and you can choose either a fixed rate or variable rate, both of which have their pros and cons. In the annuitization phase, one of the choices you must make is whether you want your benefit now or later. If you choose to start receiving your benefit within 13 months, that's called an immediate annuity. Any time after that is considered a deferred annuity.  Then, you choose how you want to receive your benefit. You can get a level payment, and increasing payment, or even a variable payment stream that would be tied to an index. The choice will likely depend on how long you expect to take income, compared to how large your annuity is. And finally, you can choose what types of guarantees you want on that benefit. If you choose to have no guarantees, then the income benefit stops as soon as you pass on. You can also tie an annuity to someone else with a survivorship rider, which would continue to pay the income to a spouse or partner for the remainder of the annuity term. Another way to structure it is placing a guarantee on the term, like 10 years, where it pays to someone for that term no matter what. You can also choose to simply guarantee a return of premium, so if you pass on before you've earned back your initial premium, it will pay a beneficiary until that benchmark.  What is a SPIA?  [15:01] “A person's idea of an annuity is often tied to a SPIA because this is the description that most people have of an annuity.” SPIA stands for a single premium immediate annuity. In other words, you pay for the annuity in one lump sum and begin receiving an income within the first 13 months. Since it has its own acronym, it's what many people are familiar with when the topic of annuities comes up. That being said, a SPIA isn't for everyone. As you can see above, there are many ways to structure an annuity to work for your particular set of needs and goals.  While the immediate nature of the SPIA may be beneficial to some, there are some things to consider. One of the major benefits of the SPIA is that you're going to get a much higher rate of return on this than any other annuity. However, these annuities are designed to be more short-term, and any remainder goes to the life insurance company, not a beneficiary.  Generally, the best candidate is someone who is running out of money, is over 85, and wants to create the best possible end-of-life income. It's certainly not right for everyone,

“Fun with Annuities” The Annuity Man Podcast
Create Your Own Pension: Shootin' It Straight With Stan

“Fun with Annuities” The Annuity Man Podcast

Play Episode Listen Later Sep 6, 2023 8:17


In this episode, The Annuity Man discussed:  Transferring risk through annuities  Single Premium Immediate Annuities  Annuities are commodity products  Structuring annuities to combat inflation   Key Takeaways:  Annuities are transfer of risk products. You are transferring the risk to the annuity company to pay as long as you're breathing. Through annuities, you can create an income floor that you can never outlive.  A SPIA or Single Premium Immediate Annuity is when you want income to start as soon as 30 days from the issuance of the policy to as far out as a year. There are no moving parts, no market attachments, and no annual fees. It is a very simple transfer of risk.  SPIAs, DIAs, QLACs, and Income Riders are all going to pay as long as you are breathing, all four can be set up so that 100% of the unused money is going to go to the beneficiaries instead of the annuity company. There is no “best” when it comes to these commodity products. The best is the one that gives the highest contractual guarantee.  You can attach increases to annuity products that increase to hopefully combat inflation. However, annuities decrease the initial payments to make up for that increase whether potential or contractual. It sounds good in theory, but mathematically, it typically doesn't hold up.    "The COVID wake-up call for all of us is ‘go live your life' and because of that you need to look at how you create your own personal pension." —  Stan The Annuity Man.    Connect with The Annuity Man:  Website: http://theannuityman.com/  Email: Stan@TheAnnuityMan.com  Book: Owner's Manuals: https://www.stantheannuityman.com/how-do-annuities-work YouTube: https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g  Get a Quote Today: https://www.stantheannuityman.com/annuity-calculator!

Harvard CID
Loss & damage obligations, non-political climate policies, and compelling climate communication

Harvard CID

Play Episode Listen Later Jun 21, 2023 32:56


Welcome to the Harvard Center for International Development's Road to GEM23 Climate & Development podcast. At CID, we work across a global network of researchers and practitioners to build, convene, and deploy talent to address the world's most pressing challenges. On our Road to GEM23, we strive to elevate and learn from voices from the countries on the frontlines of the climate crisis and will feature learnings from leading researchers and practitioners working to combat climate change. In this episode, we are joined by Michael Oppenheimer is the Albert G. Milbank Professor of Geosciences and International Affairs in the Princeton School of Public and International Affairs (SPIA), the Department of Geosciences, and the High Meadows Environmental Institute at Princeton University. He is also the Director of the Center for Policy Research on Energy and the Environment (C-PREE) at SPIA. Oppenheimer previously worked with The Environmental Defense Fund (EDF) where he served as chief scientist and manager of the Climate and Air Program. He continues to serve as a science advisor to EDF. Oppenheimer is also a long-time participant in the Intergovernmental Panel on Climate Change (IPCC) that won the Nobel Peace Prize in 2007, most recently serving as a Coordinating Lead Author on IPCC's Special Report on Oceans and Cryosphere in a Changing Climate (2019) and as a Review Editor on the upcoming Sixth Assessment Report. Oppenheimer is joined by CID Student Ambassador Yan Liang to discuss climate adaptation policies and the systemic changes for improved mitigation and resiliency across sectors.

Notizie a colazione
Ven 21 apr | Il no della Corte Ue al rinnovo delle concessioni balneari; le antenne spia russe sui tetti delle ambasciate; 2022, anno più secco della storia in Europa

Notizie a colazione

Play Episode Listen Later Apr 21, 2023 14:09


Oggi parliamo del no della Corte europea al rinnovo automatico delle concessioni balneari, dell'inchiesta giornalistica sulle antenne spia russe sui tetti delle ambasciate e del 2022 che è stato l'anno più secco della storia in Europa. ... Qui gli altri podcast di Class Editori: https://linktr.ee/podclasseditori Per iscriverti al canale Telegram: https://t.me/notizieacolazione Musica https://www.bensound.com