Podcasts about ACA

In today's episode of Truth Wanted, ObjectivelyDan, Richard Gilliver, and Kelley Laughlin examine miracles, dreams, and the psychology behind seemingly supernatural experiences.Jacob in ID calls to express his gratitude for the show, explaining how it serves as his secular community after seven years of listening. Living in a rural area without much access to other atheists, he finds connection through the ACA shows. The hosts thank him for his support and encourage him to keep engaging with the community.Katie in VA shares her experiences with precognitive and visitation dreams, keeping a detailed dream journal of coincidental events. She describes dreams about deceased people and specific details that later seemed to come true. The hosts discuss Littlewood's Law, which explains how seemingly miraculous coincidences are statistically inevitable given enough opportunities. They explore the Texas Sharpshooter Fallacy, where people draw targets around bullet holes after the fact, and how memory can be unreliable. What psychological mechanisms might explain these experiences without invoking the supernatural? The conversation touches on how the Catholic Church evaluates miracles, mass hallucinations like Fatima, and the misinformation effect in eyewitness testimony. How do we distinguish between genuine precognition and pattern-seeking brains finding connections that aren't really there?Thank you for joining us this week! We will see you next time!Become a supporter of this podcast: https://www.spreaker.com/podcast/truth-wanted--3195473/support.

As everyone is well aware, healthcare, particularly acute care (think: hospitals) has become increasingly more unaffordable. For the four-year period ending next year ERISA or employer-sponsored health insurance plans will increase employee premiums by ~25%; this year the average employee family premium is ~$27,000; by the end of this year six million are expected to lose ACA coverage; and, to really on one's surprise a recent survey found less half of Americans, regardless of income, believe they have the ability to pay for needed medical visits. The answer seems to be legislating hospital price transparency. Earlier this month both the House Energy and Commerce and the Senate Health, Education Labor and Pensions (HELP) committees passed price T bills out of committee. Regarding the Senate effort, HELP Committee Chair, Dr. Bill Cassidy, stated, “I'm very optimistic that it will pass . . . and I'm confident that it will."Information on Turquoise Health is at: https://turquoise.health/patients. Testimony presented during the June 10 House E&C hearing noted during this interview is at: https://democrats-energycommerce.house.gov/committee-activity/hearings/hearing-lowering-health-care-costs-all-americans-examining-policies. This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit www.thehealthcarepolicypodcast.com

An individual retirement account, or IRA, can be a valuable tool for long-term saving. But like any financial tool, it needs to be understood and used wisely. Proverbs 18:15 says, “An intelligent heart acquires knowledge, and the ear of the wise seeks knowledge.” That's good wisdom for every area of life, including how we manage money. As stewards, we don't want to make financial decisions simply because an account is popular or because someone told us we ought to have one. We want to understand the tools available to us and use them with wisdom, patience, and trust in the Lord. So, how well do you really know your IRA? Let's walk through a few common misconceptions with a simple true-or-false quiz. True or false: You can contribute to an IRA even if you already have a retirement plan through your employer. True. You can contribute to a traditional or Roth IRA even if you also participate in a 401(k), 403(b), or another workplace retirement plan. In 2026, the total amount you can contribute across all your traditional and Roth IRAs combined is $7,500, or $8,600 if you're age 50 or older. You'll need enough taxable compensation to support your contribution, and income limits may affect whether you can deduct a traditional IRA contribution or contribute directly to a Roth IRA. The important point is that having access to a workplace retirement plan does not necessarily prevent you from contributing to an IRA. These accounts can often work together as part of a thoughtful long-term strategy. True or false: An IRA is an account that holds investments, not an investment by itself. True. Think of an IRA as a container. The account itself provides certain tax advantages, but what happens to the money depends largely on the investments you choose to hold inside it. Depending on your IRA custodian, those investments might include mutual funds, exchange-traded funds, stocks, bonds, money market funds, or other investment options. That distinction matters. Sometimes someone will say, “I bought an IRA,” when what they really mean is that they opened an IRA and then invested the money inside it. The IRA is the account. The investments within that account determine how the money is put to work. There are also limits on what an IRA can hold. IRA funds generally cannot be invested in life insurance or collectibles. Certain precious metals may qualify if they meet specific IRS requirements and are held properly. Self-directed IRAs can provide access to more specialized investments, but greater flexibility can also bring greater complexity and risk. As with any financial decision, it's important to understand what you own and why you own it. True or false: Your will determines who receives your IRA, regardless of the beneficiary listed on the account. False. An IRA allows you to name one or more beneficiaries who will receive the account when you die. Those assets generally transfer directly to the beneficiaries outside of probate. In most cases, the beneficiary designation on the account takes precedence over what your will says. That's why beneficiary designations shouldn't be treated as something you set once and forget. Review them periodically, especially after major life changes such as marriage, divorce, the death of a spouse, or the birth or adoption of a child. Estate planning is about more than documents. It's about making your intentions clear and preparing well for those who may one day steward what you leave behind. True or false: Traditional IRAs are subject to required minimum distributions. True. Traditional IRAs are generally subject to required minimum distributions, commonly called RMDs. For those subject to the current age-73 rule, the first distribution generally must be taken by April 1 of the year following the year you turn 73. After that, annual RMDs are typically due by December 31. Failing to withdraw the required amount can result in a significant tax penalty, though that penalty may be reduced when the mistake is corrected promptly. Roth IRAs work differently. The original owner generally does not have to take required minimum distributions during his or her lifetime. Because contributions are made with after-tax dollars, qualified withdrawals can also be tax-free. Those differences are important when deciding how various retirement accounts may fit into your broader financial plan. Retirement Accounts Are Tools, Not Our Security So, how did you do on the quiz? The goal isn't to become a retirement expert overnight. It's to keep growing in wisdom. An IRA can be a useful tool for preparing for the future, but no retirement account can provide ultimate security. Our hope is not in an IRA, a pension, a 401(k), or the number on a balance sheet. Our hope is in Christ. That changes the deeper question we ask about retirement planning. Instead of simply asking, “How much can I accumulate?” we can also ask, “Am I using what God has entrusted to me in a way that reflects faithfulness, generosity, and eternal priorities?” Retirement accounts are simply tools in the hands of a steward. Understanding how they work helps us use them wisely—but remembering whom they ultimately belong to helps us use them faithfully. On Today's Program, Rob Answers Listener Questions: I'm 68, and my husband is 71. We're retired with about $500,000 invested, a $100,000 mortgage at 2.75%, and a $30,000 car loan at 4.99%. We wanted to pay them off from our investments, but our advisor says the tax bill would be about $37,000 and recommends using a HELOC instead, then making one annual payment from our investments. Does that strategy make sense? He also recommends a trust, but we already have wills and our final arrangements paid for. Why might we still need one? My grandson is moving to Bali for two years for work. Should he send his earnings back to the U.S., or open a local bank account and keep the money there? I'm 61 and hope to retire at 63. About 80% of our retirement savings is pre-tax, and 20% is Roth. If we withdraw from pre-tax accounts first, our income could exceed the ACA subsidy limits. Should we consider Roth conversions or use Roth withdrawals earlier to better manage our MAGI and healthcare costs? Resources Mentioned: Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner) FaithFi Field Guide: How Much Money is Enough?  Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship by Rob West Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor® (CKA) FaithFi App Remember, you can call in to ask your questions every weekday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

A new report from the ACLU of Iowa shows schools with school resource officers arrest Black students at disproportionately higher rates. Community members are rallying to stop a natural gas power plant in Linn County from being developed. And how has the lapse of ACA tax credits affected farmers?

The Friday Five for July 31, 2026: RegEd CE Courses Available on IntegrityCONNECT Fresh Take on Social Platforms: ThingsBook Medicare GLP-1 Bridge Reminder CMS Files Appeal to Clover Decision CMS & HHS File Expedited Appeal to Colombus I   Get Connected:

Every child deserves a safe childhood—and camps play an important role in making that possible. In this episode of CampWire, we're joined by Belinda Swan from the National Center for Missing & Exploited Children (NCMEC) to learn more about the organization's mission and the free resources available to camp professionals. Belinda shares how NCMEC works to prevent child victimization, support families and law enforcement, and help organizations create safer environments for children. We also explore practical tools camps can use to strengthen staff training, promote online safety, support children as trusted adults, and address emerging issues like sextortion, generative AI, and child exploitation. Whether you're preparing staff for the summer or looking for year-round educational resources, this conversation offers valuable insights and practical takeaways for anyone committed to keeping children safe. Show notes: National Center for Missing and Exploited Children (NCMEC) NCMEC x ACA Educational Partners Page Autism, Wandering, and Drowning Risk Online Safety Is Child Abuse Prevention NCMEC Courses and On-Demand Webinars ACA Educational Partners The views and opinions expressed on CampWire by contributors are their own and do not necessarily reflect the views of the American Camp Association or ACA employees.

Longer lines, many new faces Fareground raised money in 2024 to buy a refrigerated box truck capable of holding 6,000 pounds of food for distribution to residents in Beacon, Fishkill, Newburgh, Poughkeepsie and Wappingers Falls. A capacity that once seemed sufficient has been surmounted by a problem that continues to grow, and the Fishkill-based nonprofit has outgrown the truck, according to Jamie Levato, its executive director. "We are constantly having to bring in more and more food; storage is becoming a challenge and transport is becoming a challenge." Fareground is not alone in noting longer lines and new faces at every distribution. Dozens of representatives from food pantries across the Hudson Valley told the same story when they gathered Tuesday (July 28) at AME Zion Church in Newburgh to receive an update from the Regional Food Bank of Northeastern New York, which distributes food to organizations in Dutchess, Putnam and 21 other counties. The food bank illustrated the extent of hunger in the Hudson Valley by sharing new statistics from Map the Meal Gap, a report compiled by Feeding America, a national hunger-relief organization. The most recent data, from 2024, documents the number of adults and children considered "food-insecure" because they lack access to enough to eat. In Dutchess, Putnam and the four other counties (Orange, Rockland, Sullivan and Ulster), 167,990 people were considered food-insecure in 2024, including 53,390 children (a 10 percent increase over the previous year). In Dutchess, an estimated 32,140 people (11 percent of the population) were food-insecure, and in Putnam, 8,430 (8.6 percent). Despite a small decrease from 2023, Dutchess has 10,730 more food-insecure residents than 2021 and Putnam, 3,200 more. Food pantries expect their lines to grow as the costs for food, energy, housing and necessities continue to rise. Those challenges are aggravated by federal cuts that began last year in programs such as the Supplemental Nutrition Assistance Program (SNAP), formerly known as food stamps. In 2025, the Regional Food Bank distributed 53.3 million pounds of food to pantries, more than any year in its nearly five decades of service, except for 2020, during the pandemic. That was despite losing 7 million pounds in cuts by the U.S. Department of Agriculture, said Tom Nardacci, CEO of the Regional Food Bank. Nardacci said that people who have never visited a food pantry or "stood outside in the cold to hand out food" are "making decisions that aren't connected to reality." Here are a few local resources if you need food assistance. Beacon's Backyard Kitchen The group serves a hot breakfast at 12 Hanna Lane on Tuesday and Thursday from 6:30 to 8:30 a.m. and to-go lunch until 10:30 a.m. Beacon Farmers' Market The market doubles the value of federal food benefits from June to November. See beaconfarmersmarket.org/food-benefits. Common Ground Farm does the same at the market through its Greens4Greens program. Fareground The nonprofit serves a community meal on Friday from 5:30 to 7:30 p.m. at First Presbyterian Church, 50 Liberty St., in Beacon. Fishkill Food Pantry Operated by First Reformed Church of Fishkill and St. Mary Mother of the Church, Fishkill, at 1153 Main St., the pantry serves residents of the Highlands, including Beacon and Cold Spring. It is open Monday, Tuesday, Thursday and Friday from 9 a.m. to noon and Monday and Wednesday from 2:30 to 6 p.m. Call 845-896-4546 in the morning to make an appointment for that day. Proof of residency is required. Mutual Aid Beacon The group provides groceries on the first and third Wednesday of each month at 8:15 a.m. at Memorial Park. The first Wednesday is for seniors or households with a senior (age 60 and older), and the third (and fifth) Wednesday is open to everyone. Enter near Ron's Ice Cream. You can also walk up at 8 a.m. at the Beacon Recreation Center, 23 W. Center St. Philipstown Food Pantry The pantry at the First Presbyterian Church, 10 Aca...

Dr. Oz's proposed 2027 CMS rules dropped, and I've been waiting all week to get into them. The push toward value-based care and Accountable Care Organizations continues, but the headline for anyone in private practice is the multiple procedure cut: if you bill an E&M code and a procedure on the same day, Medicare now pays 100% for the more expensive service and only 50% for the other, regardless of modifiers, regardless of whether they're for two totally separate problems. That is a direct assault on independent practices, and every commercial insurer will follow Medicare's lead. There's one small win. Mandating real-time electronic prior authorization across Medicare Advantage, Medicaid, and ACA marketplace plans One head-scratcher...Medicaid work requirements of 80 hours per month starting January 2027, which I suspect will land squarely on physicians' documentation burden. Also, everyone say it with me: physician compensation is 10% of U.S. healthcare expenditure. After the break, medical malpractice for ophthalmologists. A colleague just came out of a settlement, and it got me looking at the top drivers of ophthalmology lawsuits: cataract surgery complications, missed or delayed retinal detachments, glaucoma management failures, and post-op infections. The uncomfortable truth: the only way to avoid surgical complications is to not operate, and sometimes even perfect communication and documentation don't stop a lawsuit. But they help. Takeaways: The proposed 2027 CMS rules would pay only 50% for a second same-day service when an E&M visit is billed alongside a procedure, regardless of modifier, effectively a major reimbursement cut that will hit independent private practices hardest and be adopted by commercial insurers Physician compensation accounts for just 10% of total U.S. healthcare expenditure, yet Medicare physician reimbursement is cut nearly every year while hospital and insurer reimbursement continues to rise The 2027 rules push physicians further toward Accountable Care Organizations and value-based care, favoring large health systems and insurers over independent physician-owned practices, with one bright spot: mandatory real-time electronic prior authorization across Medicare Advantage, Medicaid, and ACA plans The top ophthalmology malpractice risks are cataract surgery complications (posterior capsule tears, retained lens fragments, unfulfilled patient expectations), missed or delayed retinal detachment diagnosis, glaucoma management failures (insufficient IOP monitoring), and post-op infections Per OMIC, the three biggest drivers of ophthalmology claims are documentation deficiencies, communication gaps, and technical performance, about 60% of claims involve surgical execution errors, and diligent documentation, brutally honest informed consent, and strong physician-patient rapport are the biggest mitigators To Get Tickets to Wife & Death: You can visit Glaucomflecken.com/live  We want to hear YOUR stories (and medical puns)! Shoot us an email and say hi! knockknockhi@human-content.com Can't get enough of us? Shucks. You can support the show on Patreon for early episode access, exclusive bonus shows, livestream hangouts, and much more! –⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ http://www.patreon.com/glaucomflecken⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠  Also, be sure to check out the newsletter: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://glaucomflecken.com/glauc-to-me/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ If you are interested in buying a book from one of our guests, check them all out here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.amazon.com/shop/dr.glaucomflecken⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ If you want more information on models I use: Anatomy Warehouse provides for the best, crafting custom anatomical products, medical simulation kits and presentation models that create a lasting educational impact.  For more information go to Anatomy Warehouse DOT com. Link: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://anatomywarehouse.com/?aff=14⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Plus for 15% off use code: Glaucomflecken15 -- A friendly reminder from the G's and Tarsus: If you want to learn more about Demodex Blepharitis, making an appointment with your eye doctor for an eyelid exam can help you know for sure. Visit ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://www.EyelidCheck.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for more information.  Produced by⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Human Content⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

What happens when you feel like you're the only one doing the work? Whether you're the betrayed partner desperately searching for answers or the recovering partner trying to rebuild trust while your spouse seems disengaged, this imbalance can feel lonely and discouraging. In this episode, we explore why different levels of engagement are common during recovery, what can be happening beneath a partner's apparent lack of motivation, and why doing your own work still matters, even when your partner isn't fully participating. We also discuss why one person can make meaningful personal progress, but one person cannot rebuild a marriage alone. Lasting healing requires both partners to engage, even if they aren't perfectly synchronized. Relationship recovery does require that both people move forward, even if they're at different paces. __________________________________ Take the Free Assessment: I created a short self-assessment to help you pinpoint exactly where you are in your healing right now, and what to focus on next. It takes just a few minutes, and you'll walk away with clarity instead of guessing. Find out where you are: https://whereismywork.com/ ______________________________ Download the Free Resource: You, Me, Us - A Way Forward After Betrayal When betrayal has shaken your relationship, it can feel impossible to know where to begin. This free 15-minute video and companion worksheet will help you steady yourself, support your partner, and begin caring for the relationship between you. Get your copy here. ______________________________ Join the Courageous Together™ Program Courageous Together™ isn't just another course, it's a trauma-informed roadmap that holds both of you in the healing process. If you've ever wondered “Where do we even start?” After betrayal, this program gives you the clarity and structure you need. It meets the betrayed partner's need for safety while guiding the recovering partner toward real accountability, creating a path forward that neither of you has to figure out on your own. Healing from betrayal is overwhelming in isolation, which is why Courageous Together™ brings you expert guidance, practical tools, and a supportive community of couples walking the same road. Inside, you'll find a step-by-step framework, live support opportunities, and the reassurance that you're not alone as you rebuild safety, restore trust, and move toward genuine connection. You'll have access to: A structured healing framework with step-by-step guidance Video lessons and worksheets to build safety, accountability, and connection The option to join live group circles and support calls with me A private, secure community of others walking the same path Learn more and join us inside Courageous Together ______________________________ Stay Connected Website YouTube Instagram Facebook If this episode resonated with you, please share it with someone who might need it. And don't forget to leave a review! We'd love to hear how this podcast is supporting your healing journey. __________________________________ Watch on YouTube Prefer video? You can watch full episodes of From Crisis to Connection on our YouTube channel __________________________________ About Geoff Steurer I am a licensed marriage and family therapist and Certified Clinical Partner Specialist (CCPS) with 25+ years of experience helping individuals and couples heal from the devastation of sexual betrayal and broken trust. I am the founder of the Courageous Together program, co-host of the From Crisis to Connection podcast, and co-author of Love You, Hate the Porn. My work integrates trauma-informed care, attachment theory, and practical tools for creating lasting safety and connection. I've been married to my wife, Jody, since 1996 and we are the parents of four children. About Jody Steurer Jody is the co-host of the From Crisis to Connection podcast, where she brings her thoughtful, common-sense perspective to conversations about healing, trust, and connection. She earned her bachelor's degree in psychology from Brigham Young University and is an ACA-certified coach. Jody has years of experience in corporate training, small business leadership, and family life, and raising four children (two of them neurodivergent). She loves watercolor painting, landscape design, spending time outdoors, and snow skiing.

In this episode, Jakob Emerson, Associate News Director, Becker's Healthcare, breaks down the latest hospital and payer earnings, examining how expiring ACA subsidies, Medicare Advantage margin recovery, and shifting reimbursement dynamics are reshaping financial performance and strategy across the healthcare industry.

#736: A bride wants to spend $60,000 on her wedding — money that could grow to $800,000 in 40 years if she invested it instead. This week, three very different listener questions all boil down to the same fight: what the math says versus what actually makes you happy.

In this special-edition episode of Cattle Connect, ACA intern Abby Burgess interviews Charles and Cooper Holmes of the Holmestead Company in Perry County, one of Alabama's 13 designated Bicentennial Farms. They share their family's 200+ year history, how the farm adapted through generations, and the role of cattle, timber, and conservation in rebuilding and sustaining the land.

What does it take to create a camp where every young person feels they belong?   In this episode, Emmy® Award-winning filmmakers Samuel Habib and Dan Habib explore the power of inclusion, representation, and high expectations for campers with disabilities.   Samuel reflects on his years at Double H Ranch, where camp became a place of confidence, friendship, independence, and belonging. Together, Samuel and Dan discuss the inspiration behind their award-winning films, The Ride Ahead and My Disability Roadmap, and how storytelling can challenge misconceptions about disability while helping young people envision what's possible for their futures.   The conversation also offers practical guidance for camp professionals, including strategies for preparing staff, fostering inclusive camp cultures, and creating environments where every camper is supported to thrive. Finally, they share how nonprofit camps and summer programs can access their films and free discussion guides to spark meaningful conversations with staff, campers, and families.   Whether you're a camp director, educator, or youth development professional, this episode offers thoughtful insights and actionable ideas for building communities where every young person is seen, valued, and empowered.   Show notes: Ride Ahead Film Page Summer program page to request the film for sharing Like Right Now Film Page The views and opinions expressed on CampWire by contributors are their own and do not necessarily reflect the views of the American Camp Association or ACA employees.

Neera Tanden — president and CEO of the Center for American Progress and a longtime Democratic policy hand — joins the Chuck Toddcast for an unusually candid reckoning with where the party went wrong and what it actually needs to do next. Tanden doesn't soften the verdict: Democrats' one job in 2024 was to keep Trump out of office, and they failed, in part because the establishment let the Biden campaign go on far too long and has consequently lost credibility it hasn't earned back. She argues that in an era where every election is close, Democrats shouldn't be satisfied chasing narrow wins — the actual goal should be a decisive Electoral College victory built around a genuine 60% coalition, especially now that even longtime Trump supporters are starting to break away. Tanden is refreshingly specific on policy: she defends incrementalism as the proven Democratic playbook (the ACA and Biden's Medicare drug price negotiations both succeeded that way, while Medicare for All keeps stalling because people are fundamentally change-averse), argues entrenched Washington interests can block even a clear majority's will, and wants Democrats to build their economic message explicitly around working-class anxieties.They discuss the sharp moral case for the estate tax while cautioning that a wealth tax is nearly impossible to administer fairly year to year and would almost certainly be struck down by this Supreme Court. The conversation turns to the internal Democratic civil war and the road to 2026 and beyond. Tanden argues there's no rise of the DSA without Trump's return, frames the Michigan Senate primary as the real petri-dish test for the left, and is blunt that Democrats in swing states need to remember they're in swing states. She calls for a real, honest autopsy of 2024, and lays out her vision for a Democratic trifecta in 2027: pass bills that directly address the cost of living, investigate the administration's corruption and recognize that Trump's entire contract with his base rests on the promise that he can never lose. Play ball and swing for the fences on FanDuel, an official partner of the MLB at https://FANDUEL.COM. Protect your family with life insurance from Ethos. Get up to $3 million in coverage in as little as 10 minutes at https://ethos.com/chuck. Application times may vary. Rates may vary. For free and unbiased Medicare help, dial (980) 734-3985 to speak with my trusted partner, Chapter, or go to askchapter.org/chuck /*Paid Partnership Chapter and its affiliates are not connected with or endorsed by any government entity or the federal Medicare program. Chapter Advisory, LLC represents Medicare Advantage HMO, PPO, and PFFS organizations and stand alone prescription drug plans that have a Medicare contract. Enrollment depends on the plan’s contract renewal. While we have a database of every Medicare plan nationwide and can help you to search among all plans, we have contracts with many but not all plans. As a result, we do not offer every plan available in your area. Currently we represent 50 organizations which offer 18,160 products nationwide. We search and recommend all plans, even those we don’t directly offer. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your options. Timeline: (Timestamps may vary based on advertisements) 00:00 Neera Tanden joins the Chuck ToddCast 01:00 Developing ideas for the country’s biggest problems 02:30 Democrats have real anger with the Trump administration 03:30 Democrats job was to keep Trump out of office & they failed 05:00 Pelosi thought Biden would lose and chose to act, but too late 06:00 The establishment allowed the Biden campaign to go on too long 06:30 The establishment has less credibility than in the past 07:15 Longtime Trump supporters are starting to break away from him 08:30 Every election is close, never enough for repudiation 09:15 Goal should be a large scale electoral college victory 11:00 The opportunity to build a 60% coalition 13:00 The problems America faces seem to big for incrementalism 15:45 The success of the ACA came via incrementalism 16:30 Medicare drug price negotiation was a huge win for Biden 17:30 Problem with Medicare-for-all is people are changing averse 18:30 Entrenched interests in Washington can stop a majority 21:30 Dems should organize messaging to include more working class people 22:00 Why do we have a trillionaire when people are struggling with basics? 22:45 Working class people are more sensitive to crime issues 24:00 People are worried about the wealthy having too much power 25:30 Inheritance tax would help prevent oligarchy 27:00 People are pessimistic their kids won’t do better than them 27:30 It feels like the social contract has been eroded in America 29:00 If you believe in merit, you should believe in the estate tax 30:00 A wealth tax is hard to evaluate year to year 30:45 Supreme Court unlikely to find wealth tax constitutional 31:45 State wealth taxes are not a good idea 33:30 Democracy is undermined when there’s an economic nobility 35:00 Attitudes toward inequality were different in the 90s, every group doing better 37:15 There’s no rise of the DSA without the return of Trump 38:00 Michigan primary will be the petri dish test for the left 39:45 Democrats in swing states need to remember they’re swing states 40:30 Liberals in Texas thought Talarico was more electable 42:30 Progressives winning in blue cities isn’t that big of an issue 43:15 DSA needs to be cognizant that they would struggle in swing states 45:00 Democratic leadership has stayed the same 46:15 Democrats needs to do a real autopsy on 24 47:00 Harris being on the ticket saved the Democrats 4 senate seats 49:00 If Dems win both chambers, how should they spend 2027? 49:45 Dems should pass bills that address the cost of living 50:15 The administration’s corruption needs to be investigated 51:30 SCOTUS basically gave Trump a pass for illegality, Dems can’t do much 52:45 Republicans are starting to break, but they tolerate the intolerable 55:15 Trump’s contract with his base is that he can’t lose 56:30 Which under the radar senate race do you find most fascinating? 57:45 Amy Acton in Ohio will be the canary in the coalmineSee omnystudio.com/listener for privacy information.

With almost 100 days until the midterms, Chuck Todd delivers a data-driven check-in on a midterm race that's barely moved in months — except in one crucial direction: Trump's approval went permanently underwater on Liberation Day and has been steadily eroding ever since. He walks through the map in granular detail: Democrats are heavy favorites for the House, likely picking up 15-20 seats even after redistricting wars ultimately cut in Republicans' favor. On the Senate side, Democrats have had the better year, with the map expanding to make Kansas, Iowa, and Nebraska genuinely gettable in a wave election, and forcing the GOP to spend big just to hold Texas. He notes presidential approval and even more so approval within a president's own party serving as the two biggest predictors of midterm outcomes. He warns that if the war further tanks the global economy, ordinary Americans will feel it directly, making Trump's own behavior the single biggest wildcard of the entire cycle. He then pivots to the newly passed Protect College Sports Act, walking through why nearly every stakeholder except the SEC and Big Ten support it, why it functions like a de facto collective bargaining agreement without an actual union. He closes with a trio of sharp items: the year's measles outbreak has already surpassed all of 2025's cases combined, with Chuck arguing nobody bears more responsibility for undermining the vaccine than RFK Jr.; Zohran Mamdani calling Netanyahu a war criminal while conceding he has no authority to arrest him, a comment that risks complicating the affordability-focused, "get shit done" movement Mamdani has actually been building; and a notable Oregon lawsuit challenging closed primaries on First Amendment grounds, arguing that voting shouldn't require joining a private club and that independents shouldn't be locked out of the process. Then, Neera Tanden — president and CEO of the Center for American Progress and a longtime Democratic policy hand — joins the Chuck Toddcast for an unusually candid reckoning with where the party went wrong and what it actually needs to do next. Tanden doesn't soften the verdict: Democrats' one job in 2024 was to keep Trump out of office, and they failed, in part because the establishment let the Biden campaign go on far too long and has consequently lost credibility it hasn't earned back. She argues that in an era where every election is close, Democrats shouldn't be satisfied chasing narrow wins — the actual goal should be a decisive Electoral College victory built around a genuine 60% coalition, especially now that even longtime Trump supporters are starting to break away. Tanden is refreshingly specific on policy: she defends incrementalism as the proven Democratic playbook, argues entrenched Washington interests can block even a clear majority's will, and wants Democrats to build their economic message explicitly around working-class anxieties.They discuss the sharp moral case for the estate tax while cautioning that a wealth tax is nearly impossible to administer fairly year to year and would almost certainly be struck down by this Supreme Court. The conversation turns to the internal Democratic civil war and the road to 2026 and beyond. Tanden argues there's no rise of the DSA without Trump's return, frames the Michigan Senate primary as the real petri-dish test for the left, and is blunt that Democrats in swing states need to remember they're in swing states. She calls for a real, honest autopsy of 2024, and lays out her vision for a Democratic trifecta in 2027: pass bills that directly address the cost of living, investigate the administration's corruption and recognize that Trump's entire contract with his base rests on the promise that he can never lose. Finally, he presents his ToddCast Top 5 list of governor’s seats most likely to flip in the midterms, and answers listeners’ questions in the “Ask Chuck” segment. Play ball and swing for the fences on FanDuel, an official partner of the MLB at https://FANDUEL.COM. Protect your family with life insurance from Ethos. Get up to $3 million in coverage in as little as 10 minutes at https://ethos.com/chuck. Application times may vary. Rates may vary. For free and unbiased Medicare help, dial (980) 734-3985 to speak with my trusted partner, Chapter, or go to askchapter.org/chuck /*Paid Partnership Chapter and its affiliates are not connected with or endorsed by any government entity or the federal Medicare program. Chapter Advisory, LLC represents Medicare Advantage HMO, PPO, and PFFS organizations and stand alone prescription drug plans that have a Medicare contract. Enrollment depends on the plan’s contract renewal. While we have a database of every Medicare plan nationwide and can help you to search among all plans, we have contracts with many but not all plans. As a result, we do not offer every plan available in your area. Currently we represent 50 organizations which offer 18,160 products nationwide. We search and recommend all plans, even those we don’t directly offer. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your options. Timeline: (Timestamps may vary based on advertisements) 00:00 Chuck Todd’s introduction 06:00 Almost 100 days until the midterm elections 06:30 Not much movement in the midterms in the past few months 07:15 Trump’s approval went underwater permanently on Liberation Day 08:30 Trump’s approval has slowly eroded since that day 09:45 Trump keeps announcing new tariffs & tax increases on Americans 10:45 Democrats are heavy favorites to win the House 11:45 Redistricting wars eventually ended up helping Republicans 12:30 Realistically Dems pick up 15-20 seats 14:15 On the senate side, Dems have bad the better year, expanded map 14:45 GOP has gone from clear favorites to small favorites for senate 16:30 Trump has made things much easier for Dems to win the senate 17:00 ICE killing in Maine turned the page on the Platner debacle 18:00 In multiple states, Dems are in better shape now than six weeks ago 18:30 Kansas, Iowa and Nebraska are gettable for Dems in a wave year 19:30 Republicans will have to spend big to defend Texas 21:15 Average gain for out party in a midterm is 4 seats 21:45 Could Fetterman and Murkowski end up switching caucuses? 22:30 Knocking off incumbents is harder than winning an open seat 24:00 GOP feels like the rise of DSA gave them something to run against 26:15 Republicans feel they have to make the Democrat unacceptable 27:30 A few Republicans will survive because of their opponent 29:15 The base is still with the GOP, women & independents are not 30:15 Persuadable voters don’t like election denialism & the Iran war 31:00 Biggest predictor of a midterm election is presidential job approval 32:45 Another big predictor is approval within a president’s own party 34:00 Clinton & Bush were able to have historic overperformance 35:30 Obama had a mixed bag between 2010 and 2014 36:15 Trump is under 80% approval amongst Republicans 37:00 Republicans still have a fairly high floor despite Trump’s troubles 37:45 The Iran war has the potential to crater Trump’s approval 38:45 Dems now have a better chance to win both chambers 39:15 Trump’s behavior is a massive wildcard for the midterms 40:45 If the war tanks the global economy, Americans will feel it 42:30 Congress set to pass bill to put regulations on college sports 43:15 Almost every interested party is in favor except SEC & Big Ten 44:00 What the Protect College Sports Act does 46:00 The bill locks in a revenue share & shuts down booster collectives 46:30 The bill would require a pay cut for the biggest schools 47:15 The bill looks a lot like a collective bargaining agreement 48:15 No industry has cap on pay without a labor union… except this 49:00 The courts are likely to strike this down 50:30 This legislation is begging for legal challenges 51:30 In any other industry this would be a “company union” which was outlawed 53:00 They could fix transfer portal & eligibility and punt on the compensation 53:30 College athletes are now professionals & should be treated like it 54:30 This bill fixes nothing and just tries to jam the players 55:30 The SEC is throwing a temper tantrum over this bill 57:00 College football’s superpower is its geography, it lives everywhere 58:00 Revenue sharing is why the NFL is such a juggernaut 59:00 We’ve had more measles cases this year than all of 2025 59:30 RFK Jr. bears responsibility for this outbreak 1:00:00 Nobody has undermined the measles vaccine more than RFK 1:00:45 These outbreaks will eventually extract a political price 1:01:30 Don’t be shocked when RFK faces civil litigation 1:02:00 Mamdani gives a speech calling Netanyahu a war criminal 1:02:30 Mamdani concluded he didn’t have authority to arrest Bibi 1:03:00 Mamdani ran on affordability, not Israel & foreign policy 1:03:30 Mamdani wants to create a movement, not just govern NYC 1:04:15 Mamdani’s project a real “get shit done” competence so far 1:05:15 Is Mamdani teeing up an eventual senate run? 1:06:00 Mamdani may have made his political project just a bit harder 1:07:00 Lawsuit in Oregon is challenging closed primaries 1:07:30 Participation in elections shouldn’t require joining a club 1:08:00 1st amendment protects you from having to associate 1:08:30 Independents shouldn’t be locked out of primaries 01:14:00 Neera Tanden joins the Chuck ToddCast 01:15:00 Developing ideas for the country’s biggest problems 01:16:30 Democrats have real anger with the Trump administration 01:17:30 Democrats job was to keep Trump out of office & they failed 01:19:00 Pelosi thought Biden would lose and chose to act, but too late 01:20:00 The establishment allowed the Biden campaign to go on too long 01:20:30 The establishment has less credibility than in the past 01:21:15 Longtime Trump supporters are starting to break away from him 01:22:30 Every election is close, never enough for repudiation 01:23:15 Goal should be a large scale electoral college victory 01:25:00 The opportunity to build a 60% coalition 01:27:00 The problems America faces seem to big for incrementalism 01:29:45 The success of the ACA came via incrementalism 01:30:30 Medicare drug price negotiation was a huge win for Biden 01:31:30 Problem with Medicare-for-all is people are changing averse 01:32:30 Entrenched interests in Washington can stop a majority 01:35:30 Dems should organize messaging to include more working class people 01:36:00 Why do we have a trillionaire when people are struggling with basics? 01:36:45 Working class people are more sensitive to crime issues 01:38:00 People are worried about the wealthy having too much power 01:39:30 Inheritance tax would help prevent oligarchy 01:41:00 People are pessimistic their kids won’t do better than them 01:41:30 It feels like the social contract has been eroded in America 01:43:00 If you believe in merit, you should believe in the estate tax 01:44:00 A wealth tax is hard to evaluate year to year 01:44:45 Supreme Court unlikely to find wealth tax constitutional 01:45:45 State wealth taxes are not a good idea 01:47:30 Democracy is undermined when there’s an economic nobility 01:49:00 Attitudes toward inequality were different in the 90s, every group doing better 01:51:15 There’s no rise of the DSA without the return of Trump 01:52:00 Michigan primary will be the petri dish test for the left 01:53:45 Democrats in swing states need to remember they’re swing states 01:54:30 Liberals in Texas thought Talarico was more electable 01:56:30 Progressives winning in blue cities isn’t that big of an issue 01:57:15 DSA needs to be cognizant that they would struggle in swing states 01:59:00 Democratic leadership has stayed the same 02:00:15 Democrats needs to do a real autopsy on 24 02:01:00 Harris being on the ticket saved the Democrats 4 senate seats 02:03:00 If Dems win both chambers, how should they spend 2027? 02:03:45 Dems should pass bills that address the cost of living 02:04:15 The administration’s corruption needs to be investigated 02:05:30 SCOTUS basically gave Trump a pass for illegality, Dems can’t do much 02:06:45 Republicans are starting to break, but they tolerate the intolerable 02:09:15 Trump’s contract with his base is that he can’t lose 02:10:30 Which under the radar senate race do you find most fascinating? 02:11:45 Amy Acton in Ohio will be the canary in the coalmine 02:13:30 ToddCast Top 5 Governor’s seats most likely to change parties 02:14:00 #5 Oregon 02:15:00 #4 Ohio 02:16:15 #3 Wisconsin 02:18:15 #2 Kansas 02:19:00 #1 Iowa 02:20:00 Ask Chuck 02:20:15 Love for Chuck’s creaky chair 02:21:30 What is your favorite political term that nobody knows its origin? 02:23:30 How was JFK’s appointment of his brother viewed at the time? 02:26:00 Dems chances of winning statewide in Iowa, Ohio and Florida? 02:27:15 Could Talarico generate any coattail effect for Dems in Texas?See omnystudio.com/listener for privacy information.

Revenue cycle management (RCM) sounds like the least sexy phrase in healthcare — a back-office spreadsheet problem. It isn't. Andrew Tsang, an independent healthcare analyst and writer of the Substack Health Is Other People, with 15+ years across providers, payers, consulting, and policy, joins Stacey Richter to unpack how RCM has grown into a $200-plus-billion industry that eats roughly a third of every healthcare dollar spent — not on care, but on the fight over who pays for it. Together they trace RCM's front end, middle, and back end, and the "hot potato" that lands on whoever has the least leverage to fight back. WHAT YOU'LL LEARN ✅ How revenue cycle management (RCM) grew into a $200-plus-billion industry — Andrew Tsang puts RCM-related market cap at roughly $217 billion, and estimates roughly a third of every healthcare dollar goes to the fight over payment, not to care ✅ The three phases of RCM (front-end eligibility and prior authorization, middle clinical coding, and back-end claims adjudication and appeals) and why the "hot potato" of financial responsibility lands on whoever has the least administrative leverage — patients, independent practices, or self-funded employers ✅ Why a routine screening colonoscopy can flip to a diagnostic procedure — and an unexpected bill — the moment a polyp is found, even though the ACA mandates the screening itself be free ✅ How the prior authorization burden (physicians average roughly 39 prior auths a week) forces independent practices to compete on administrative capacity rather than clinical outcomes, accelerating consolidation into larger health systems ✅ Why self-funded employers face their own version of the hot potato through stop-loss "lasering," where a stop-loss carrier can exclude a specific high-cost employee from coverage after a catastrophic claim ✅ Why direct contracting — agreeing on price upfront — is Andrew Tsang's proposed way to opt out of the RCM hot potato game entirely WHY THIS MATTERS Revenue cycle management isn't a niche back-office function — it's a $200-plus-billion economy built on claim-by-claim fights over who pays. As Stacey Richter puts it, this isn't a story about villains; it's a story about an industry built around claim-by-claim fistfights. Whoever has the least administrative leverage in any given moment — patient, independent practice, or self-funded employer — is the one who winds up eating the cost. MENTIONED IN THIS EPISODE Andrew Tsang's Revenue Cycle Market Landscape interactive chart and his Substack. EP497 with Zack Kanter: Apple Podcasts | Spotify | Other Apps EP363 with David Scheinker, PhD: Apple Podcasts | Spotify | Other Apps LinkedIn Post by Sheri Mancini, MD, FACS EP494 with Sarah Emond: Apple Podcasts | Spotify | Other Apps === LINKS ===

Fulton v. Mullin, et al., No. 25-194 (2d Cir. July 14, 2026)habeas; release pending appeal; Mapp; end stage renal disease Matter of N-E-R-S-, 29 I&N Dec. 753 (BIA 2026)ACA with Ecuador; implementing agreement; interlocutory appeal Matter of E-A-R-M-, 29 I&N Dec. 746 (BIA 2026)IJs cannot consider anything when DHS makes an asylum pretermission motion based on ACA with Ecuador; DHS failure to comply with IJ scheduling order Matter of L-R-M-C- & V-A-M-M-, 29 I&N Dec. 757 (BIA 2026)Lozada compliance; ineffective assistance of counsel; requirement to provide contents of bar complaint and proof of filing Matter of Lopez-Davila, 29 I&N Dec. 763 (BIA 2026)exceptional and extremely unusual hardship; Ige presumption that child will join parent abroad; foster care not bad enough; nonparent can care for child Burey v. Blanche, No. 25-1869 (4th Cir. July 14, 2026)VAWA motion to reopen deadline; ECAS and filing window rejection; failure to file I-360 before moving to reopen not fatal; attorney affidavit; deadline to file motion to reopen possible begins after appeal period ends Flores-Turcios v. Blanche, No. 24-1338 (4th Cir. July 16, 2026)nexus; gang recruitment; extortion; CAT review – fact and law; Guatemala Montesinos Cisneros v. Blanche, No. 23-1090 (4th Cir. July 17, 2026)admitted in any status; LPR cancellation of removal; DED; admission; statutory interpretation; lawful and unlawful statusKurzban Kurzban Tetzeli and Pratt P.A.Immigration, serious injury, and business lawyers serving clients in Florida, California, and all over the world for over 40 years.eimmigration"Immigration law software you'll love to use."get.eimmigration.com/IRP Gonzales & Gonzales Immigration BondsP: (833) 409-9200immigrationbond.com Stafi"Remote staffing solutions for businesses of all sizes"Click me!Want to become a patron?Click here to check out our Patreon Page!CONTACT INFORMATION:Email: kgregg@kktplaw.comFacebook: @immigrationreviewInstagram: @immigrationreviewTwitter: @immreviewAbout your hostCase notesRecent criminal-immigration article (p.18)Featured in San Diego VoyagerSupport the show

In this episode of The Broker Link, host Mike Papuc, National Health Sales Director at The Brokerage Inc., welcomes Darcy Soltys, Regional Vice President, and Jason Yoo, Vice President of Individual Sales at Manhattan Life, for a conversation about the evolving health insurance landscape and why ancillary products are becoming more important than ever. As ACA and Medicare continue to evolve, the guests explain why agents should look beyond major medical plans and consider offering supplemental solutions that help fill coverage gaps. They highlight Manhattan Life's Affordable Choice plan, which provides valuable first-dollar benefits with no deductible and no copay, giving clients additional financial protection while creating new opportunities for agents. Throughout the episode, Mike, Darcy, and Jason emphasize the importance of product diversification. By bundling ancillary products with ACA or Medicare plans, agents can provide more comprehensive solutions that better meet their clients' needs while strengthening retention and growing their business. The conversation also explores how Manhattan Life's streamlined e-app simplifies the enrollment process, making it easier for agents to quote, enroll, and serve clients efficiently. Whether you're looking to expand your product portfolio, increase client value, or stay ahead in today's evolving healthcare market, this episode offers practical strategies to build stronger client relationships through ancillary coverage. Learn more about partnering with The Brokerage Inc. by visiting our website, www.thebrokerageinc.com. Remember to like, share, and subscribe to our show!  New episodes are available every Tuesday. Join our Community! LinkedIn: https://www.linkedin.com/company/the-brokerage-inc-/   Facebook:  https://www.facebook.com/thebrokerageinc/  Instagram:  https://www.instagram.com/thebrokerageinc/  YouTube:  https://www.youtube.com/@TheBrokerageIncTexas  Website:  https://thebrokerageinc.com/       

In the first episode of CampWire's Research Digest series, we explore how research can help camp professionals better understand the challenges and opportunities ahead. Host [name] is joined by Katie Thurson, PhD, author of “Camps and Climate: How Maps Can Help Visualize a Changing Future,” featured in the ACA research newsletter. Katie shares how interactive climate maps can help camps visualize the potential impacts of extreme heat and precipitation, understand regional differences, and use data to inform decision-making. Together, we discuss how climate research can move from data points on a map to meaningful conversations and practical action for camps. Research Digest highlights the latest research impacting the camp community and explores how findings can be translated into insights, strategies, and resources for camp professionals. Show notes: Camps and Climate: How Maps Can Help Visualize a Changing Future Interactive StoryMap Find more of Katie's work! The views and opinions expressed on CampWire by contributors are their own and do not necessarily reflect the views of the American Camp Association or ACA employees.

After betrayal, the betrayed partner has been genuinely victimized, and that reality deserves compassion, accountability, and space to heal. But lasting healing also requires something more: reclaiming your life without allowing the betrayal to become your identity. In this episode, we explore the difference between being victimized and living from a victim identity. We discuss why recovering partners must avoid using this idea to pressure or shame their partner, and why true healing happens when both people move toward accountability, courage, and genuine partnership. __________________________________ Take the Free Assessment: I created a short self-assessment to help you pinpoint exactly where you are in your healing right now, and what to focus on next. It takes just a few minutes, and you'll walk away with clarity instead of guessing. Find out where you are: https://whereismywork.com/ ______________________________ Download the Free Resource: You, Me, Us - A Way Forward After Betrayal When betrayal has shaken your relationship, it can feel impossible to know where to begin. This free 15-minute video and companion worksheet will help you steady yourself, support your partner, and begin caring for the relationship between you. Get your copy here. ______________________________ Join the Courageous Together™ Program Courageous Together™ isn't just another course, it's a trauma-informed roadmap that holds both of you in the healing process. If you've ever wondered “Where do we even start?” After betrayal, this program gives you the clarity and structure you need. It meets the betrayed partner's need for safety while guiding the recovering partner toward real accountability, creating a path forward that neither of you has to figure out on your own. Healing from betrayal is overwhelming in isolation, which is why Courageous Together™ brings you expert guidance, practical tools, and a supportive community of couples walking the same road. Inside, you'll find a step-by-step framework, live support opportunities, and the reassurance that you're not alone as you rebuild safety, restore trust, and move toward genuine connection. You'll have access to: A structured healing framework with step-by-step guidance Video lessons and worksheets to build safety, accountability, and connection The option to join live group circles and support calls with me A private, secure community of others walking the same path Learn more and join us inside Courageous Together ______________________________ Stay Connected Website YouTube Instagram Facebook If this episode resonated with you, please share it with someone who might need it. And don't forget to leave a review! We'd love to hear how this podcast is supporting your healing journey. __________________________________ Watch on YouTube Prefer video? You can watch full episodes of From Crisis to Connection on our YouTube channel __________________________________ About Geoff Steurer I am a licensed marriage and family therapist and Certified Clinical Partner Specialist (CCPS) with 25+ years of experience helping individuals and couples heal from the devastation of sexual betrayal and broken trust. I am the founder of the Courageous Together program, co-host of the From Crisis to Connection podcast, and co-author of Love You, Hate the Porn. My work integrates trauma-informed care, attachment theory, and practical tools for creating lasting safety and connection. I've been married to my wife, Jody, since 1996 and we are the parents of four children. About Jody Steurer Jody is the co-host of the From Crisis to Connection podcast, where she brings her thoughtful, common-sense perspective to conversations about healing, trust, and connection. She earned her bachelor's degree in psychology from Brigham Young University and is an ACA-certified coach. Jody has years of experience in corporate training, small business leadership, and family life, and raising four children (two of them neurodivergent). She loves watercolor painting, landscape design, spending time outdoors, and snow skiing.

Andrew, Ben, and Tom discuss June CPI falling to 3.5% and core CPI to 2.6% both below expectations with the biggest month-over-month drop since May 2020, Trump proposing a 20% fee on Strait of Hormuz cargo and reinstating the blockade sending WTI to $80 and Brent to $87, Chris Waller's hawkish pivot as Warsh builds Fed credibility, IBM's 19% drop after warning on the quarter as clients reprioritized CapEx toward memory and cybersecurity, HCA's 6% drop on ACA payer mix, Samsung exploring a US ADR listing after SK Hynix's blockbuster $26.5B raise, SLB and Liberty Energy pushing into data center power, improving NFIB and Fastenal readings, and a very strong bank earnings kickoff with BAC investment banking fees up 50%.Join our live YouTube stream Monday through Friday at 8:30 AM EST:http://www.youtube.com/@TheMorningMarketBriefingPlease see disclosures:https://www.narwhal.com/disclosure

Got questions? Send Ericka a Text!Less than 1% of denied dental claims ever get appealed and insurance companies are counting on you to be in the other 99%. I walk you through the denial management mindset shift that changes everything: stop treating the third appeal like the edge of the map and start using the tools that actually hold payers accountable, including your state insurance commissioner for fully insured plans. We get practical and specific about what makes a denial “unreasonable” or “bad faith” and how to spot the pattern: benefits are active, eligibility is confirmed, documentation supports dental necessity, and the claim still comes back denied. I also explain why we start with state and federal laws before we obsess over codes, because language like prompt pay, network leasing, and silent PPO issues gives your conversations more weight. Then we clean up common risk areas by separating an honest mistake, a contract violation, and fraud, because mixing those up can put a practice in real trouble. From there, we talk tactics: why copy-and-paste appeal templates can work against you in a world where insurers use AI to review claims, and what to use instead. Think ICD-10 diagnosis codes, strong narratives, and patient-specific clinical details that make your claim defensible. Finally, I share documented enforcement examples, including a major fine tied to undisclosed “phantom” frequency limits, and why complaints to regulators compound over time. If you want a denial process that protects patients and stops leaving money on the table, listen all the way through, then subscribe, share this with your office team, and leave a review so more billers learn how to escalate the right way.Sources referenced in this episode:Appeal rate / upheld rate: KFF analysis of CMS data — fewer than 1% of denied ACA marketplace claims are appealed; insurers uphold ~56% of appeals (2023 data), 66% (2024 data). Medicare Advantage: ~57% of appealed denials overturned. (On air we used these instead of the "59% upheld because nobody appealed" framing, which conflated the appeal rate with the uphold-on-appeal rate.)Delta Dental of Washington: Washington State Office of the Insurance Commissioner fined Delta Dental + its health care benefits manager (Wyssta) $130,000 (Oct/Nov 2024) for, among other things, denying claims based on time/frequency limits not filed with or approved by the state; 7 service types and 50 billing codes had undisclosed limits. Triggered by consumer complaints. This is an actual regulatory fine.Self-funded vs. fully insured (the "federal path" mention): The commissioner regulates fully insured plans. Self-funded employer plans fall under federal ERISA law and route to the U.S. Department of Labor (EBSA) instead, not the state commissioner. This is covered in depth in the full denial management talk, not this episode. (Government and church plans are a further exception.)Cigna PxDx: 2023 class action (E.D. Cal.), citing ProPublica reporting — ~300,000 denials in two months, avg. 1.2 seconds per claim, "we literally click and submit." Court allowed the case to proceed March 2025 (abuse of discretion). This is litigation, not a fine — described on air as a lawsuit/court ruling.UnitedHealth nH Predict: Class action (D. Minn.) alleging a 90% error rate on the AI tool and that ~0.2% of policyholders appeal. Court ordered algorithm disclosure in 2026. Allegations in active litigation — stated as such on air.The "0.2% will appeal" motive appears in both the Cigna and UnitedHealth complaints as an allegation of intent. Interested in a Demo of Dentiq - The Billing Command Center? Get on the interest list here:https://4063-dentiq.systeme.io/waitlistGet your Dental Billing Toolkit Here:https://www.dentalbillingdoneright.com/the-dental-billing-toolkitDownload "The Most Underused Codes in Dentistry - And How to Get Them Paid" checklist here:https://docs.google.com/forms/d/e/1FAIpQLSfxnnfSlNd0NPhMoBWq-1D_xU5R8LS4xPhHNKIjfLQwStOUag/viewform?usp=headerSchedule a billing chat with Ericka:https://calendly.com/ericka-dentalbillingdoneright/30minEmail Ericka:ericka@dentalbillingdoneright.comEmail Jen:jen@dentalbillingdoneright.com

We chat with ACA Executive Director, Marylouise Serrato, about ACA's latest campaign, ‘America at 250: Citizens Everywhere. Home and Abroad, Always Americans”, how this campaign helps to highlight the challenges Americans abroad face, the unique contributions Americans living overseas make to the US, how they can help to shape America's next 250 years, and so much more! America at 250: Citizens Everywhere. Home and Abroad Always Americans. Voting and Representation Residence-Based Taxation Is a Strategic Investment in the US Economy, Global Interests, and American Citizens Advocacy Campaigns Join ACA Donate to ACA

In this episode we answer emails from I Have No Name, Shellie, Midwest Nice, and Mr. Ed (a motley crew indeed!).  We discuss some massively funny generosity to our Top of the T-Shirt Campaign for the Father McKenna Center, an odd small cap value fund in a 401(k) and the issues surrounding holding too much cash, how stocks and long-term treasury bonds can both rise while still showing negative correlation and how that relates to the Four Quadrant Model, and redeploying proceeds from the sale of real estate.  And lutefisk.And THEN we our go through our weekly portfolio reviews of the eight sample portfolios you can find at Portfolios | Risk Parity Radio.Links:Father McKenna Center Donation Page (please mention Risk Parity Radio in the comment section with your donation):  Donate - Father McKenna CenterPMJAX at Morningstar:  PMJAX – Portfolio – PIMCO RAE US Small A | MorningstarPMJAX Comparison:  Asset Analyzer for ETFs, Stocks, and Funds | testfolioPortfolios With More and Less Cash Comparison:  Portfolio Backtester for ETFs and Asset Allocation | testfolioS&P500 and LT Treasury Bond Comparison:  Asset Analyzer for ETFs, Stocks, and Funds | testfolioThe Four Quadrant Model Exquisitely Explained With Illustrations Inspired By Vermeer:  The Four Quadrant Wealth Atlas.pdf - Google DriveFour Quadrant Model Video:  Understanding Correlations and Diversification Using the Four Quadrant ModelBreathless Unedited AI-Bot Summary:A listener spots a new “small cap value” option in a 401(k) and asks the question most DIY investors eventually face: how do you tell what a fund really is when the plan uses a custom name and no ticker? We walk through a practical, repeatable research process using an AI chatbot (Gemini or ChatGPT) to find the closest public equivalent, then confirming style exposure and performance on Morningstar and Testfol.io. Along the way we discuss what “micro” exposure can mean, why “perfect” isn't required inside a restrictive plan, and how you can still build a solid risk parity-style asset allocation with the tools you have.Then we tackle the comfort blanket that can quietly cost you money: cash. We explain cash drag, why holding 25% in cash can act like you're not investing a quarter of your portfolio, and why bucket strategies don't magically solve sequence of returns risk just by relabeling accounts. We also dig into tax-efficient investing and asset location, including why taxable cash interest can be brutal in retirement and when it may make sense to reposition assets between taxable and retirement accounts.A father writes in with his son's surprisingly sharp question about bond stock correlation: if stocks go up over time and long-term Treasury bonds are negatively correlated, do bonds usually go down? We answer with long-run data, show why both can rise while still diversifying each other, and point to specific regimes like 2000 to 2010 versus 2022. We also field a real-world planning scenario on investing property sale proceeds while keeping ACA premium tax credits in mind by managing MAGI, before wrapping with our weekly portfolio review across the eight sample portfolios (VOO, QQQ, VIOV, GLDM, VGLT, PDBC, PFFB/PFFV, DBMF and more).Subscribe for more practical risk parity investing guidance, share this with a friend who's stuck in a confusing 401(k), and leave a rating and review so more DIY investors can find us.Support the show

Trump declares the Iran ceasefire "over" as the Pentagon runs out of money. Mitch McConnell hasn't been seen in weeks, and Kentucky's governor wants proof of life. Republicans in Congress accidentally funded Planned Parenthood. And in this week's Battlefield segment, the Senate map just got a lot bigger for Democrats — six competitive races, Trump down 30 points with independents, and a new nominee about to replace Graham Platner in Maine.Matt Robison (former Democratic Hill staffer) and Matt Wylie (Republican strategist) break down the week's biggest political stories — no both-sides false balance, just two operatives who've actually worked the machine telling you what insiders are really thinking.TIMESTAMPS00:00 – Cold open00:01 – Back at war: Trump declares the Iran ceasefire "over"00:04 – Is Mitch McConnell alive? Plus, the Pentagon is out of money00:07 – Republicans accidentally fund Planned Parenthood00:10 – Trump's price theater: Freedom Fuel gas stations and the beef price squeeze00:14 – DOJ threatens election officials over noncitizen voting00:15 – The Battlefield: this week's midterm dashboard00:16 – Graham Platner drops out in Maine00:18 – DOJ sends election monitors to Michigan's primary00:20 – ACA premiums set to spike again00:22 – Trump down 30 points with independents00:23 – The Senate map just got bigger for Democrats00:26 – Dose of Hope: NASA's orbital tow truck and moon rideshares00:29 – Dose of Hope: nanoparticles that cured prostate cancer in miceREAD MORE ON SUBSTACKFull breakdown of the Maine Senate race and replacement scenarios: https://worthknowing.substack.comThis week's Midterm HQ dashboard and independent-voter approval analysis: https://worthknowing.substack.comABOUT POLITICAL REHABPolitical Rehab is the weekly show where a former Democratic Hill staffer and a Republican campaign strategist tell you what insiders are actually talking about — the Iran war, the 2026 midterms, McConnell's health, affordability, and the stories cable news gets wrong. New episodes every week on the Worth Knowing channel.Subscribe for weekly midterm coverage: @worthknowing-mattrobisonMore analysis: https://worthknowing.substack.comKEYWORDS: Political Rehab, Matt Robison, Matt Wylie, midterms 2026, Iran war 2026, Mitch McConnell health, Trump approval rating, Planned Parenthood Medicaid, Senate map 2026, Graham Platner Maine, affordability crisis, Trump Iran ceasefire, DOJ election officials, ACA premiums 2026, Trump independents approval#Midterms2026 #PoliticalRehab #Iran #TrumpApproval #SenateRace2026 #Affordability #WorthKnowing

June News You Can Use Healthcare 2026: Stranger Than Fiction, Funnier Than It Should Be The discussion includes the ADA inadvertently demonstrated the Streisand Effect by censoring its own published editorial, turning a minor issue into a major news story; Millions are losing ACA coverage, while legal loopholes allow some emergency rooms to refuse patients unable to pay upfront; AI-powered ECG analysis is uncovering hidden signs of heart disease, proving AI can augment, not replace clinicians; A high-profile dispute between OpenAI and OpenEvidence reminds us that even peer-reviewed research deserves critical scrutiny; And because healthcare is never boring, a French emergency department ended up calling the bomb squad over a World War I artillery shell in an unforgettable place. To stream our Station live 24/7 visit www.HealthcareNOWRadio.com or ask your Smart Device to “….Play Healthcare NOW Radio”. Find all of our network podcasts on your favorite podcast platforms and be sure to subscribe and like us. Learn more at www.healthcarenowradio.com/listen

Welcome back to a special encore presentation of Turn on the Lights! As we continue our transition series, our new host, Dr. Philip, has hand-selected one of our most-listened-to and impactful conversations from the archives to highlight once again. Dr. Philip brings back to attention this conversation with Dr. Ben Sommers on how Medicaid work requirements and reduced ACA subsidies are driving coverage losses through administrative barriers, with far-reaching consequences for patient health and the stability of safety-net hospitals and communities. Summary: Millions of Americans could lose health coverage in the coming years, and the consequences may be more profound than most people realize. In this episode, Dr. Ben Sommers, the Huntley Quelch Professor of Health Care Economics at the Harvard T.H. Chan School of Public Health, and professor of medicine at Harvard Medical School and Brigham & Women's Hospital, talks about how new federal policies, including Medicaid work requirements and the rollback of Affordable Care Act subsidies, are reshaping access to health insurance in the U.S. Drawing on extensive research, he explains why these changes are expected to increase uninsured rates without meaningfully boosting employment. Dr. Sommers also shares evidence from prior state experiments showing that administrative red tape, not a lack of willingness to work, drives coverage loss. He outlines the ripple effects on patient health, safety-net providers, and hospitals, especially in rural and underserved communities. Tune in to understand what these policy shifts mean for patients, providers, and the future of the U.S. health care system. Things You'll Learn: New federal policies could result in more than 15 million Americans losing health insurance over the next decade. Medicaid work requirements do not meaningfully increase employment but do lead to significant coverage losses due to administrative barriers. Evidence from Arkansas shows that most people who lost Medicaid coverage were eligible and already working or exempt, but were tripped up by reporting requirements. Losing health insurance is associated with worse health outcomes, delayed care, increased financial strain, and higher rates of preventable death. Expanding health coverage increases overall system spending, but it delivers substantial benefits in terms of health, stability, and longevity for individuals and families. Reduced Medicaid funding and rising uninsured rates will place a severe strain on safety-net hospitals and providers, especially in rural and underserved areas. Changes to ACA marketplace subsidies and Medicaid rules will affect patients, providers, and communities in phases, with political and health system consequences unfolding over several years. Resources: Follow the Harvard T.H. Chan School of Public Health on LinkedIn and explore their website! Learn more about the One, Big, Beautiful Bill here! Learn more about your ad choices. Visit megaphone.fm/adchoices

Questions? Thoughts? Send a Text to The Optometry Money Podcast! We'll answer your question on the show.Episode SummaryIt's July — half the year is gone, but you still have half a year to make an impact on your tax result. That makes right now the ideal time to sit back and ask: where do things actually stand?In this episode, Evon walks through four questions every optometrist should be asking as a mid-year tax check-in. This is the same work Evon's team is doing this time of year for practice-owner clients — projecting out the practice's profit and loss and running initial tax projections while there's still time to act. The goal is simple: fewer April surprises, and a clear view of the opportunities still on the table before the year closes.What You'll LearnFour tax planning questions you and your professional team should be asking this time of yearWhere your income is likely to land this year — and why type of income matters as much as amountHow to tell whether you're paying enough as you go (and avoiding under-withholding penalties)The AGI and taxable-income thresholds that phase you in and out of key credits, deductions, and extra taxesWhich tax planning levers you can still pull with half a year left — and their deadlinesKey Takeaways for OptometristsGood tax planning starts early and proactively — not in April when the bill is already due. The four questions to work through with your professional team: Where will my income land this year? Am I paying enough as I go? Am I near a threshold that changes things? And what levers do I still have to pull?The thresholds are where the real opportunities hide. Your AGI drives eligibility for the child tax credit, Roth IRA contributions, the higher state and local tax deduction cap, ACA premium tax credits, and your student loan payments if you're on an income-driven plan. Your taxable income drives your marginal rate and your QBI deduction. When several of these phase out together at higher income levels, a well-timed deduction or deferral can be worth far more than your marginal rate alone would suggest.The two biggest levers for practice owners tend to be retirement plan contributions and depreciation. But don't buy equipment just for the write-off — you're spending a full dollar to save thirty cents. Invest in the practice because there's a return on it, then decide how to handle the depreciation. And remember that some levers have a hard December 31 deadline while others (like 401(k) contributions or a cost segregation study) run to your tax filing deadline.Resources for OptometristsEp 159: How to Stop Scrambling at Tax Time – An Optometrist's Guide to Quarterly Tax PaymentsEp 153: How to Invest Tax-Efficiently and Keep More of Your Returns (After-tax)Ep 148: Profit Sharing Demystified – How Optometry Practice Owners Can Maximize Their 401(k) with Matt RuttenbergEp 51: An Optometrist's Guide to the Qualified Business Income DeductionEp 47: An Optometrist's Guide to How Taxes WorkEp 37: Tax Planning For Charitable GivingWant a more proactive approach to your planning?You can schedule a no-commitment introductory call to discuss what's on your mind financially and learn how we help optometrists navigate those same decisions nationwide.

In this episode of the CampWire Podcast, we're launching a new series highlighting ACA Educational Partners and the organizations that provide valuable resources, expertise, and experiences to support the camp community. Our first spotlight features Navigation Games, a nonprofit organization that uses map-based, outdoor experiential learning to help young people develop navigation skills, confidence, curiosity, and a connection to nature. Lauren McMillin and Jamey Pryber are joined by Barb Bryant, President of Navigation Games, to explore the power of orienteering and how navigation activities can help youth build important life skills—including problem-solving, decision-making, independence, and the ability to think and act with confidence. Tune in to learn more about Navigation Games and discover how ACA Educational Partners are helping camps enhance their programs and better serve young people. Show notes: Navigation Games Blog: Navigate, Explore, Empower: Orienteering at Camp Navigation Games ACA Educational Partner Page Blog: Supporting Your Summer Preparation: Introducing ACA's Educational Partners ACA Educational Partners Hub The views and opinions expressed on CampWire by contributors are their own and do not necessarily reflect the views of the American Camp Association or ACA employees.

The special guests on EP. 252 of the Rapala #WeAreCollegiateBass Podcast are Benjamin Travis & Carty Shoen.  The anglers from Top 25 ranked Auburn University won the Collegiate Bass Fishing Championship presented by Bass Pro Shops with a two-day total weight to 45.30 pounds.  Edging out their closest competitor by just over one pound, Travis & Shoen earned $5,000 along with an additional $1,000 for the ACA logo contingency.  Their victory marks Auburn's third ACA National Championship title in the event's 20-plus year history.  Auburn joins Bethel University as the only two schools to have won college fishing's longest-running National Championship event three times.  Tune in to this episode to hear them talk about this monumental victory at Pickwick Lake!

In the latest edition of the Ankeny Fanatic weekly podcast sponsored by Legacy Realty of Iowa and Revive Dermatology Clinic and Spa, publisher Dan Holm breaks down the Class 1A postseason picture with coach Konrad Christensen and senior Lucas Erickson of the Ankeny Christian Academy baseball team as well as coach James Crosby and seniors Brette Bentz and Sicily Crosby of the ACA softball squad. Realtor Ronda Dix also stops by for a visit.

-- On the Show: -- Maggie Haberman and Jonathan Swan, New York Times journalists, join us to discuss their new book Regime Change: Inside the Imperial Presidency of Donald Trump -- Republicans condemn Graham Platner over his sexual abuse allegations but ignore the sexual assault liability of Donald Trump -- President Donald Trump prematurely celebrates a peace deal with Iran right before maritime attacks trigger a resumption of U.S. airstrikes -- Donald Trump makes several severe verbal blunders including calling Ukrainian President Volodymyr Zelenskyy by the name of Vladimir Putin -- Donald Trump navigates aircraft steps with extreme caution and relies on Turkish President Recep Tayyip Erdogan for guidance on the tarmac -- Donald Trump appears to doze off with closed eyes during an official international meeting with Turkish President Recep Tayyip Erdogan -- Donald Trump holds a chaotic press conference featuring aggressive rants about assassination, roadside bombs, and his social media metrics -- On the Bonus Show: Maine Democrats claim Platner is meddling with the replacement process, ACA premiums are poised for another big hike, an ICE agent fatally shoots a man in Houston, and much more...

Are Roth conversions good for YOU? Why - or why not? Today's AMA episode is all about that topic.  Looking for a financial planner?  → PlanWithJesse.com In this Ask Me Anything episode, Jesse answers a wide range of listener questions about Roth conversions, moving beyond the basic mechanics to explore the nuanced trade-offs that determine whether a conversion creates value or simply accelerates taxes unnecessarily. He begins by reviewing the core Roth conversion framework, explaining that the strategy works best when investors can intentionally pay taxes today at significantly lower rates than they expect to face in the future, emphasizing that tax arbitrage—not tax avoidance—is the primary objective. From there, he tackles common questions about whether Roth conversions are truly necessary, arguing that even ideal candidates often view conversions as optimization opportunities rather than make-or-break retirement decisions. He explores the merits of micro-conversions versus larger bracket-filling conversions, the concept of "neutral" Roth conversions where tax rates remain unchanged, and the non-mathematical benefits that may justify them, including reduced future RMDs, protection against the widow's tax trap, estate-planning simplicity, and greater certainty around future tax policy. Jesse also examines whether retirees should prioritize Roth assets for heirs, cautioning that aggressive conversion strategies can sometimes leave both retirees and beneficiaries worse off if the taxes paid today outweigh future savings. Additional listener questions address the timing of Roth conversions, the dangers of trying to time the market, the elimination of conversion reversals under current tax law, and the importance of factoring state income taxes into conversion decisions, particularly for retirees planning interstate moves. He concludes with a comprehensive Roth conversion checklist covering tax bracket management, break-even analysis, Social Security taxation, IRMAA surcharges, ACA healthcare subsidies, charitable giving strategies, estate planning considerations, and numerous other interactions that can dramatically alter the value of a conversion. Throughout the episode, Jesse argues that Roth conversions are neither universally beneficial nor inherently necessary, but instead represent one of many planning levers that should be evaluated carefully through the lens of taxes, timing, opportunity cost, and long-term financial goals. Key Takeaways: • Roth conversions work best when current tax rates are meaningfully lower than future tax rates. • Roth conversions are often oversold as a universal solution. The correct Roth conversion amount is sometimes zero. • Roth assets are generally more attractive to heirs than traditional IRA assets. • Social Security taxation and IRMAA surcharges can dramatically increase the effective cost of conversions. • ACA healthcare subsidies can be reduced or eliminated by Roth conversion income. • Roth conversions should be evaluated within the context of a complete financial plan rather than as a standalone strategy. Key Timestamps: (01:20) – The Basics of Roth Conversions (04:31) – When to Do a Roth Conversion (09:08) – Roth Conversions Are Oversold (10:46) – Q1: Should I Just Not Bother with Roth Conversions? (15:28) – Q2: Should I Err on the Side of Too Small a Conversion? (19:23) – Q3: What About Neutral Roth Conversions? (24:57) – Q4: Should I Leave Roth Dollars for My Heirs? (28:48) – Q5: Dollar-Cost Averaging vs. Lump-Sum Roth Conversion? (32:59) – Q6: Can You Undo Roth Conversions? (36:33) – Q7: In What State Should I Do Roth Conversions? (41:26) – Q8: How Do Roth Conversions Interact with Social Security & IRMAA? (42:53) – The Roth Conversion Checklist Key Topics Discussed:The Best Interest, Jesse Cramer, Wealth Management Rochester NY, Financial Planning for Families, Fiduciary Financial Advisor, Comprehensive Financial Planning, Retirement Planning Advice, Tax-Efficient Investing, Risk Management for Investors, Generational Wealth Transfer Planning, Financial Strategies for High Earners, Personal Finance for Entrepreneurs, Behavioral Finance Insights, Asset Allocation Strategies, Advanced Estate Planning Techniques More of The Best Interest: Check out the Best Interest Blog at https://bestinterest.blog/ Contact me at jesse@bestinterest.blog Need a financial planner?  → PlanWithJesse.com  The Best Interest Podcast is a personal podcast meant for education and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.

Episode 262: This week we have stars in our eyes as we discuss the price of fame in 2014's Starry Eyes. With special guest and friend of the show Adam.Turn that frown upside down next week as we review Smile 2 from 2024.Become a supporter of this podcast: https://www.spreaker.com/podcast/a-cut-above-horror-review--6354278/support.

The con is connected: Trump Accounts, ACA coverage losses, the Platner fight in Maine, and Microsoft layoffs after buybacks all expose rigged priorities.Subscribe to our Newsletter:https://politicsdoneright.com/newsletterPurchase our Books: As I See It: https://amzn.to/3XpvW5o How To Make AmericaUtopia: https://amzn.to/3VKVFnG It's Worth It: https://amzn.to/3VFByXP Lose Weight And BeFit Now: https://amzn.to/3xiQK3K Tribulations of anAfro-Latino Caribbean man: https://amzn.to/4c09rbE

Drew is solo this week as he talks to callers and answer questions regarding Medicare Part B late enrollment fee, signing up for Medicare, ACA enrollment, scams,  401k rollovers, and more! Download and enjoy!

New federal data first reported by The Associated Press show roughly 2.6 million fewer Americans were enrolled in Obamacare plans this February compared with a year earlier. While the Trump administration points to a crackdown on fraudulent signups, independent analysts say the expiration of enhanced federal subsidies and new eligibility restrictions also contributed to the decline. Subscribe to our newsletter to stay informed with the latest news from a leading Black-owned & controlled media company: https://aurn.com/newsletter Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

AI Ethics Codes for Therapists: What CAMFT, APA, NASW, and AAMFT Now Require How the CAMFT, APA, NASW, and AAMFT ethics codes now regulate AI in therapy: a CE podcourse on competence, informed consent, data privacy, bias, and human accountability. Curt Widhalm, LMFT, and Katie Vernoy, LMFT, walk through the recent artificial intelligence updates to the major mental health ethics codes. Centering on the new CAMFT updates and cross-referencing the APA, NASW, ACA, and AAMFT codes, they turn the new language into a practical roadmap for everyday clinical work. The conversation covers what competence with AI actually requires (closer to safely driving a car than building one), the three CAMFT obligations that travel together (disclosure, informed consent, and informed decision making), and a client's right to opt out. They get specific on data privacy, including business associate agreements and why "HIPAA compliant" is a marketing claim rather than a certification, on spotting demographic and medical-model bias in AI output, and on why the human in the loop still owns and is accountable for anything signed under their name. This continuing education podcourse is for therapists, supervisors, and clinical educators who want to use AI tools ethically and stay accountable in an automated world. In this episode, we discuss: - Why the codes aim for broad, durable AI principles instead of tool-specific rules - What competence with AI actually requires of a clinician - The three CAMFT obligations: disclosure, informed consent, and informed decision making - How to vet data privacy, including BAAs and why "HIPAA compliant" is only marketing - How to catch demographic and medical-model bias in AI output - Why the clinician remains responsible for anything produced under their name Timestamps: - 0:55 - Why the ethics codes are updating for AI - 3:30 - Defining artificial intelligence (California AB 2885) - 9:49 - The four Beauchamp and Childress principles - 12:28 - Timeline: CAMFT, APA, NASW, and AAMFT updates - 16:11 - Competence and the "driving a car" metaphor - 21:09 - Disclosure, informed consent, and the right to opt out - 33:18 - Data privacy, BAAs, and "HIPAA compliant" as marketing - 41:20 - Bias, social justice, and reading the output - 44:52 - The human in the loop and accountability - 53:12 - Is AI right for this client? - 1:00:59 - Supervision, education, and the AI vetting guide 1 CE unit is available through the Modern Therapist Learning Community: moderntherapistcommunity.com Full show notes and transcript: mtsgpodcast.com Join the Modern Therapist Community Patreon: https://www.patreon.com/c/mtsgpodcast Facebook Group: https://www.facebook.com/groups/therapyreimagined Modern Therapist's Survival Guide Creative Credits Voice Over by DW McCann: https://www.facebook.com/McCannDW/ Music by Crystal Grooms Mangano: https://groomsymusic.com/

This episode of the Howard Jarvis Radio Show is a must-listen for anyone concerned about the state of California's finances and the impact of taxes on its citizens. The speaker, a seasoned advocate for taxpayer rights, shares the latest developments in the fight against excessive taxation and the efforts to restore the two-thirds vote requirement for local special taxes. The episode delves into the world of Proposition 13, a landmark initiative that has been a cornerstone of California's tax policy for decades. The speaker discusses the recent agreement with the governor's office to remove the poison pill initiative, ACA thirteen, from the ballot, which would have nullified the proposed Local Taxpayer Protection Act. This move is seen as a significant victory for taxpayers, but the speaker emphasizes that the fight is far from over. The conversation also touches on the budget process in California, which the speaker describes as a "kabuki dance" designed to give politicians their paychecks while avoiding transparency and accountability. The speaker highlights the state's dismal record on return on investment for tax dollars, ranking dead last among all states. The discussion also explores the impact of the proposed wealth tax, which the speaker argues is a direct circumvention of Proposition 13 and a blank check for the legislature to amend it at will. If you're concerned about the future of California and the impact of taxes on its citizens, tune in to this episode to hear the speaker's insights and analysis. Join the conversation and learn how you can get involved in the fight for taxpayer rights.See omnystudio.com/listener for privacy information.

-- On the Show: -- Aaron Parnas, political commentator, attorney, and host of The Parnas Perspective, joins us to discuss threats to independent media, the recent Supreme Court decisions, the midterms, and much more… -- Tucker Carlson announces plans to launch a new political party and criticizes Donald Trump by claiming he is not in control of his own life -- Donald Trump promotes Micron on social media for investing $250 million in children's accounts while failing to disclose his stock in it -- Roughly 8 million Americans lose their health insurance coverage after enhanced ACA subsidies expire and eligibility rules change -- Donald Trump delivers an incoherent speech in North Dakota where he performs a double-jerk dance to honor Teddy Roosevelt -- Maria Bartiromo and other Fox News anchors attempt to spin a disappointing June jobs report that missed economic forecasts -- White House Press Secretary Karoline Leavitt's former congressional campaign committee still owes over $326,000 -- JD Vance speaks to military troops and his joke about Joe Biden fails to elicit any laughter or applause from the silent audience -- Chris Wright claims that the Democrats cause widespread blackouts while multiple states experience major power outages -- On the Bonus Show: Mitch McConnell was found unconscious last month, climbers get arrested after scaling the Empire State Building for a marriage proposal, the chilling reality of Trump's July 4 fireworks display, and much more...

Have you checked out Azure Container Apps lately? Carl and Richard talk to Paul Yuknewicz and Jan Kalis about how they have sped up startup time with Container Apps using a feature called Express, and then on to the big news - Sandboxes. Sandboxes let you experiment with Azure Container Apps with managed identity to access Azure Connectors to all sorts of resources, both within Azure and outside it - Salesforce, SAP, etc. It's an effective and secure strategy for building applications, but also for experimenting with agents - at no point does the agent actually have control of any credentials. If you haven't looked at ACA lately, you need to check out these latest features!

Many recovering partners carry unspoken (and spoken...) resentment during the healing process. It often sounds like, “If she would just stop bringing it up,” or “If she would heal faster, I could finally move forward.” While those thoughts are understandable, they can also point to something much deeper. In this episode, we explore why resentment after betrayal isn't actually created by a betrayed partner's healing process. Instead, it often reveals hidden expectations, old thinking patterns, and emotional work the recovering partner has never had to do before. We also discuss how betrayed partners can unknowingly absorb that resentment, pulling them away from their own healing and back into caretaking the person who hurt them. Ultimately, resentment isn't a problem the betrayed partner can solve for the one who broke trust. If you're the recovering partner who broke trust, this is an invitation to understand yourself more deeply, take responsibility for your own emotional experience, and create the conditions for genuine healing, both individually and as a couple. __________________________________ Take the Free Assessment: I created a short self-assessment to help you pinpoint exactly where you are in your healing right now, and what to focus on next. It takes just a few minutes, and you'll walk away with clarity instead of guessing. Find out where you are: https://whereismywork.com/ ______________________________ Download the Free Resource: You, Me, Us - A Way Forward After Betrayal When betrayal has shaken your relationship, it can feel impossible to know where to begin. This free 15-minute video and companion worksheet will help you steady yourself, support your partner, and begin caring for the relationship between you. Get your copy here. ______________________________ Join the Courageous Together™ Program Courageous Together™ isn't just another course, it's a trauma-informed roadmap that holds both of you in the healing process. If you've ever wondered “Where do we even start?” After betrayal, this program gives you the clarity and structure you need. It meets the betrayed partner's need for safety while guiding the recovering partner toward real accountability, creating a path forward that neither of you has to figure out on your own. Healing from betrayal is overwhelming in isolation, which is why Courageous Together™ brings you expert guidance, practical tools, and a supportive community of couples walking the same road. Inside, you'll find a step-by-step framework, live support opportunities, and the reassurance that you're not alone as you rebuild safety, restore trust, and move toward genuine connection. You'll have access to: A structured healing framework with step-by-step guidance Video lessons and worksheets to build safety, accountability, and connection The option to join live group circles and support calls with me A private, secure community of others walking the same path Learn more and join us inside Courageous Together ______________________________ Stay Connected Website YouTube Instagram Facebook If this episode resonated with you, please share it with someone who might need it. And don't forget to leave a review! We'd love to hear how this podcast is supporting your healing journey. __________________________________ Watch on YouTube Prefer video? You can watch full episodes of From Crisis to Connection on our YouTube channel __________________________________ About Geoff Steurer I am a licensed marriage and family therapist and Certified Clinical Partner Specialist (CCPS) with 25+ years of experience helping individuals and couples heal from the devastation of sexual betrayal and broken trust. I am the founder of the Courageous Together program, co-host of the From Crisis to Connection podcast, and co-author of Love You, Hate the Porn. My work integrates trauma-informed care, attachment theory, and practical tools for creating lasting safety and connection. I've been married to my wife, Jody, since 1996 and we are the parents of four children. About Jody Steurer Jody is the co-host of the From Crisis to Connection podcast, where she brings her thoughtful, common-sense perspective to conversations about healing, trust, and connection. She earned her bachelor's degree in psychology from Brigham Young University and is an ACA-certified coach. Jody has years of experience in corporate training, small business leadership, and family life, and raising four children (two of them neurodivergent). She loves watercolor painting, landscape design, spending time outdoors, and snow skiing.

In the inaugural episode of The Benefits Brief—recorded live at the 2026 NABIP Annual Convention—host David Saltzman is joined by Katherine Hempstead, senior policy officer for healthcare at the Robert Wood Johnson Foundation, and Mike Smith, president of The Brokerage, Inc., for a wide-ranging discussion on the current state of the health insurance ecosystem. Together, they explore the key trends shaping healthcare today, including rising costs, affordability, ACA marketplace dynamics, Medicare, ICHRAs, long-term care, AI, and the evolving role of benefits advisors. The conversation offers valuable insights into where the industry stands today and the policy, market, and innovation trends that will shape its future.

The announcement that CiderCon 2027 will be co-located with the Craft Brewers Conference sparked one of the most active online discussions the cider community has seen in years. In this episode of Cider Chat, ACA Board President Christine Walter joins host Ria Windcaller to discuss why the decision was made, the financial realities facing CiderCon, how the conference will operate alongside the Craft Brewers Conference, and what it means for the future of the American Cider Association. The conversation also explores cider's identity, the role of orchard-based producers and commercial brands, the ACA's current leadership structure, and whether this partnership is intended to become a long-term model. Whether you're planning to attend CiderCon 2027 or simply want to better understand the thinking behind one of the cider industry's biggest announcements, this episode offers an in-depth conversation on where things stand today. Time Stamps 00:00 Why CiderCon Is Co-Locating 00:15 Meet Your Host 01:31 CiderCon 2027 Shakes Up Ciderville 03:29 News Out and About Ciderville 04:51 French Cider Tour Update 08:48 Setting Up the Conversation 10:46 The Future of the American Cider Association 12:41 Why the ACA Chose This Partnership 16:25 Survey Results and Other Options 21:25 Protecting Cider's Identity 21:47 How Co-Location Will Work 28:30 Why Now? Lessons From Providence 32:37 Concerns About Beer Culture 34:46 Safety, Inclusion, and Progress 38:15 Headlines, Keynotes, and Programming 40:36 What Cider Can Learn From Beer 43:42 Big Cider, Small Cider 47:43 Messaging, Tours, and Community 51:46 Leadership and Financial Challenges 56:22 National Conference or Regional Future? 1:01:12 A One-Year Experiment? 1:03:56 An Invitation to Show Up 1:07:08 Host Reflection 1:09:21 Until Next Time in Ciderville

Episode 261: Get your invitations ready this week and don't forget to R.S.V.P for Spider One's 2nd marraige to film, with 2023's Bury the Bride.Join us next week again in our pursuit of fortune & fame, in 2014's Starry Eyes.Become a supporter of this podcast: https://www.spreaker.com/podcast/a-cut-above-horror-review--6354278/support.

About 3 million fewer people had Affordable Care Act insurance plans in February compared to last year. Much of the drop is likely due to the end of pandemic-era enhanced subsidies, which resulted in higher premiums. And ACA premiums are only likely to increase next year. Plus, starting tomorrow, Medicare will begin covering GLP-1 drugs for weight loss. And, as we prepare to mark the 250th anniversary of the United States, we'll look back at the economic moments that defined the first 50 years of our nation.Every story has an economic angle. Want some in your inbox? Subscribe to our daily or weekly newsletter.Marketplace Morning Report is more than a radio show. Check out our original reporting and financial literacy content at marketplace.org — and consider making an investment in our future.Stories featured in this episode:Millions drop ACA insurance as premiums rise

About 3 million fewer people had Affordable Care Act insurance plans in February compared to last year. Much of the drop is likely due to the end of pandemic-era enhanced subsidies, which resulted in higher premiums. And ACA premiums are only likely to increase next year. Plus, starting tomorrow, Medicare will begin covering GLP-1 drugs for weight loss. And, as we prepare to mark the 250th anniversary of the United States, we'll look back at the economic moments that defined the first 50 years of our nation.Every story has an economic angle. Want some in your inbox? Subscribe to our daily or weekly newsletter.Marketplace Morning Report is more than a radio show. Check out our original reporting and financial literacy content at marketplace.org — and consider making an investment in our future.Stories featured in this episode:Millions drop ACA insurance as premiums rise

Blanche v. Lau, No. 25-429 (U.S. June 23, 2026)applicant for admission; returning LPR; parole Mullin v. Doe (Miot), No. 25-1083 (U.S. June 25, 2026)TPS; jurisdiction; determination; termination; preliminary relief; equal protection   Mullin v. Al Otro Lado, No. 25-5 (U.S. June 25, 2026)canon against surplusage; presumption against extraterritoriality Garcia Corrales v. Blanche, No. 24-6467 (9th Cir. June 24, 2026)motion to reopen dismissal for untimely appeal; mailing delay; new evidence; motion to reconsider not only way to challenge dismissal Hayles v. U.S. Att'y Gen., No. 24-10516 (11th Cir. June 22, 2026)petition for review CAT; FARO; Riley; frivolous PFR; jurisdiction; brief cannot cure jurisdictional deficient PFR Matter of P-A-C-, 29 I&N Dec. 708 (BIA 2026)discretionary denial of asylum where withholding of removal granted; multiple DUIs; fraud as negative discretionary factor for asylumImmigrants' List Matter of T-A-G-, 29 I&N Dec. 715 (BIA 2026)ACA pretermitting asylum application; collateral relief; pending I-130 Matter of Best, 29 I&N Dec. 723 (BIA 2026)extreme hardship; § 212(h) waiver; discretion; arrests and convictions Matter of C-L-R-, 29 I&N Dec. 726 (BIA 2026)M-A-M- safeguards; qualified representative; refusal to sell drugs; mental health claims in Honduras Matter of G-L-C-, 29 I&N Dec. 717 (BIA 2026)drug delivery and particularly serious crime; N-A-M- element one; nature of the offense; Penn. Cons. Stat. § 780-113(a)(30); transgender women in Jamaica; United Kingdom's Home Office reportsKurzban Kurzban Tetzeli and Pratt P.A.Immigration, serious injury, and business lawyers serving clients in Florida, California, and all over the world for over 40 years.eimmigration"Immigration law software you'll love to use."get.eimmigration.com/IRP Gonzales & Gonzales Immigration BondsP: (833) 409-9200immigrationbond.com Stafi"Remote staffing solutions for businesses of all sizes"Click me!Want to become a patron?Click here to check out our Patreon Page!CONTACT INFORMATION:Email: kgregg@kktplaw.comFacebook: @immigrationreviewInstagram: @immigrationreviewTwitter: @immreviewAbout your hostCase notesRecent criminal-immigration article (p.18)Featured in San Diego VoyagerSupport the show

A Nashville parking garage parties too hard. ICE protestors face absurd sentencing. DSA wins big in New York. Rising premiums cause ACA enrollment to plummet. And smoking weed may keep your brain healthy.    https://futurism.com/health-medicine/research-smoke-weed-older   https://nashvillebanner.com/2026/06/08/nashville-downtown-partnership-garage-fire-lawsuit/    https://www.theguardian.com/us-news/2026/jun/23/prairieland-ice-protesters-texas-sentenced    https://nysfocus.com/2026/06/24/ny-primary-election-results-dsa-state-legislature-2026    https://ny1.com/nyc/all-boroughs/politics/2026/06/24/dsa-backed-candidates-win-numerous-races-on-primary-night   https://apnews.com/article/affordable-care-act-obamacare-health-subsidies-premiums-3dc9a0cd249a7622ce31e8559bfff729   https://apnews.com/article/pentagon-flu-shot-requirement-boot-camp-outbreak-4255f063ef99ea2d00cb24fec8793c32   https://keithself.house.gov/media/press-releases/congressman-keith-self-introduces-resolution-repeal-17th-amendment   https://www.timesunion.com/sports/article/sadie-schreiner-rpi-lawsuit-transgender-runner-22322812.php 

Most investors lose to the market because they're trying to pick winners in a game where only 4% of stocks have created 100% of market wealth over the past century. The math isn't in your favor—but there's a simpler path that is. Key Topics Discussed Introduction to FI 201 (00:00:00) Jonathan introduces the concept of Financial Independence 201, explaining how it builds on FI 101 to help individuals progress from control to optimization and independence on their FI journey. The Genesis of FI 201 (00:05:30) Allen and Kristen explain how they identified the need for a 201-level presentation based on questions emerging from their St. Louis FI 101 sessions, particularly around investing concepts. Asset Allocation Fundamentals (00:15:00) Allen breaks down asset allocation as 'your money pie,' discussing how to balance growth, safety, and emergency funds while considering time horizons and diversification strategies. Risk Tolerance vs Risk Capacity (00:22:00) The team explores the critical difference between emotional risk tolerance and actual risk capacity, using examples from 2008 and 2020 market crashes to illustrate real-world application. Tax-Advantaged Account Strategies (00:35:00) Allen and Brad discuss the various tax treatments of investment accounts including 401(k)s, 457(b)s, Roth IRAs, HSAs, and taxable brokerage accounts, emphasizing lifetime tax optimization. Individual Stocks vs Index Funds (00:48:00) The hosts examine the data on individual stock picking, revealing that only 4% of stocks have contributed to 100% of market wealth over the past century, making a strong case for index investing. Dividends and Tax Control (00:55:00) Brad and Allen discuss why the FI community often prefers capital gains over dividend income, focusing on the importance of maintaining control over when and how you realize taxable events. Notable Quotes "You can't save your way to FI, you have to invest." — Allen Hansen "When there's a dip, you essentially get to buy the market on sale. If you love a bargain, this is it." — Brad Barrett "Why in the world do we not think that way when it comes to the market? Our brain completely flips. We're like, ah, we're scared." — Kristen Knapp "It's not what's my tax this year. It is what is going to be my tax burden over my lifetime." — Brad Barrett "The best investing lesson: stand there and do nothing. If you're invested, just don't do anything and you're going to be rewarded." — Allen Hansen Key Takeaways Assess your own risk tolerance and risk capacity honestly by considering how you would react to a 30% portfolio drop Review your current asset allocation across all accounts and determine if it aligns with your time horizon and financial goals Calculate the difference between your marginal and effective tax rates to understand your true tax burden Identify which tax-advantaged accounts you have access to (401k, 457b, 403b, HSA, IRA) and ensure you're maximizing employer matches Track every dollar of taxable income if you're on ACA subsidies or approaching any subsidy cliffs to avoid losing benefits Consider whether you have the right balance between taxable, tax-deferred, and tax-free accounts for maximum flexibility in retirement Join or start a local FI group to benefit from community wisdom and learn from others at different stages of the journey Review your portfolio for dividend-heavy investments and consider whether you'd prefer more control over when you realize taxable events Resources & Links FI Friends Travel The Simple Path to Wealth by J.L. Collins Tax Planning to and Through Early Retirement by Sean Mullaney and Cody Garrett ChooseFI Community App St. Louis FI Group BlackBerry Documentary (Netflix) Arizona State University Stock Market Wealth Study Brian Feroldi (individual stock investing advocate) Investopedia