Podcasts about spia

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! 

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 #notizie #podcast #politica #rassegnastampa

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

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

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

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

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”

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

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!

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

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.

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.

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.

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

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.

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

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.

Israele spara sull'Unifil, colpite anche basi italiane.

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 

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

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/

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!

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. 

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

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

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

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

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.

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.

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.

#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

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! 

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

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!

#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

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! 

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.

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,

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!

Ricevi dove e quando vuoi tutti gli ingredienti freschi e già dosati per cucinare ricette nuove e sempre diverse. L'ispirazione per le tue cene è in una box per cucinare! Solo con l'offerta esclusiva di HELLO FRESH! https://bit.ly/3oFAh5d Codice SCONTO: CHEFIT99Il 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/joinE' stato definito in molti modi, la piu' grande spia della storia, il James Bond di Stalin, la spia che ha cambiato il mondo e tanto altro ancora, Richard Sorge, la spia tedesca al soldo dell'Unione Sovietica di Stalin, operativo nel Giappone dell'asse durante la Seconda Guerra Mondiale. Catturato nel 1941, processato e condannato a morte nel 1944, non riconosciuto dai sovietici come agente fino al 1964, anno della riabilitazione, Sorge e' stato determinante per le sorti del secondo conflitto mondiale, passando informazioni preziose e determinati all'Unione Sovietica. Una storia di spie, donne, alcol come nella migliore tradizione spionistica letteraria.Diventa un supporter di questo podcast: https://www.spreaker.com/podcast/racconti-di-storia-podcast--5561307/support.

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.

Se volete sostenerci ecco il nostro Patreon: https://www.patreon.com/labibliotecadialessandriaOppure direttamente qui su Youtube abbonandovi: https://www.youtube.com/channel/UC-Idufifk1hamoBzkZngr1w/joinCanale Youtube: https://www.youtube.com/channel/UC-Idufifk1hamoBzkZngr1wProduzione, Editing e Sound Design - UncleMatt: https://www.instagram.com/unclemattprod/Volete far parte della community e discutere con tanti appassionati come voi? Venite sul nostro gruppo Facebook : https://www.facebook.com/groups/624562554783646/Se volete chiaccherare o giocare con noi, unitevi al server Discord: https://discord.gg/muGgVsXMBWIl nostro Instagram: https://www.instagram.com/bibliotecadialessandria/?hl=itGruppo Telegram : https://t.me/joinchat/Flt9O0AWYfCUVsqrTAzVcg

SPIA enters a new era with the establishment of a physical presence in the nation's capital. Dean Amaney Jamal chats with Washington veteran Alan Blinder about the initiative.

In this episode, The Annuity Man discusses:  Not everyone needs an annuity MYGA to SPIA  Who should get a deferred income annuity?  The highest contractual guaranteed income rider   Key Takeaways:  Many of you out there don't need an annuity right now, but when you need income, buy an immediate annuity by shopping all carriers and looking for the highest-yielding guarantee.  The second way is called MYGA to SPIA. This is where you buy a five-year MYGA which gets a guaranteed interest rate. Then, at the end of the term, shop all immediate annuity carriers and do a non-taxable transfer into the highest-paying immediate annuity.  Getting a deferred income annuity is the best for people who couldn't care less about markets and want to lock and load a lifetime income stream with an option to ladder it.  An indexed annuity or variable annuity, in most cases, has the highest contractual guaranteed income riders. You can't cash it in, transfer it or send it back, but the income rider can still be toggled on or off depending on your preferred timing. If you need a bit more flexibility in your time, maybe an index annuity with an attached income rider fits you.    "There's four ways to get there using annuities. None of the four are better than the other. —  Stan The Annuity Man.    Connect with The Annuity Man:  Website: http://theannuityman.com/  Email: Stan@TheAnnuityMan.com  YouTube: https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g  Get a Quote Today: https://www.stantheannuityman.com/annuity-calculator!

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

Cosa sono gli oggetti volanti non identificati che sorvolano gli Usa? Che differenza c'è tra il "pallone-spia" e gli ultimi apparecchi intercettati? Cosa c'entra la Cina? Ne abbiamo parlato con il giornalista esperto di questioni statunitensi Giampiero Gramaglia.

È stato abbattuto sabato 4 febbraio lo strumento di rilevazione individuato nello spazio aereo americano, sopra una base missilistica del Montana. Pechino ha parlato di incidente, ma per Washington si tratta di spionaggio. E infatti il segretario di Stato Anthony Blinken ha annullato il viaggio che doveva segnare l'inizio di una nuova fase, come raccontano Guido Santevecchi e Viviana Mazza, provando a ragionare sulle conseguenze di questo caso.Per altri approfondimenti:Cosa sono i palloni spia e perché Pechino ne ha usato uno sopra gli Usa?I dubbi sul pallone-spia: perché la Cina ha usato uno strumento così visibile? E perché proprio ora?Bremmer: “Biden costretto ad abbattere il pallone spia cinese, per non mostrarsi vulnerabile”

Do you have CDs? Derek and Laura discuss why you may want to consider breaking them. Additionally, they talk about why all of us in New England might be sitting in the dark this winter, thanks to WW1 and Russia.Find complete show notes and links on our website, StrategicPoint.com. Follow us on Twitter, like StrategicPoint on Facebook, and feel free to contact us any time via email thenoviceandthenerd@strategicpoint.com with feedback, questions or comments, including ideas for future podcast topics!The information contained in this podcast is not intended as investment, tax or legal advice. StrategicPoint Investment Advisors (SPIA) assumes no responsibility for any action or inaction resulting from the contents herein. Derek and Laura's opinions and comments expressed on this site are their own and may not accurately reflect those of the firm. Third party content does not reflect the view of the firm and is not reviewed for completeness or accuracy. It is provided for ease of reference.Certain statements contained herein may be statements of future expectations and other forward-looking statements that are based on SPIA's current views and assumptions and involve known and unknown risks and uncertainties that could cause actual results, performance or events to differ materially from those expressed or implied in such statements. In addition to statements which are forward-looking by reason of context, the words “may, will, should, expects, plans, intends, anticipates, believes, estimates, predicts, potential, or continue” and similar expressions identify forward-looking statements. Forward-looking statements necessarily involve risks and uncertainties, and undue reliance should not be placed on them. There can be no assurance that forward-looking statements will prove to be accurate, and actual results and future events could differ materially from those anticipated in such statements. SPIA assumes no obligation to update any forward-looking information contained herein.