Podcasts about beneficiaries

On this feel-good edition of the Trust the Plan Podcast, Nick Hopwood, CFP®, and Jim Pilat, CFP®, of Peak Wealth started with some positive market news. The S&P 500 is up double digits year to date, which has happened about 30 times since 1950 and is usually a good sign for the rest of the year. They encouraged listeners to focus on data like this rather than emotions, especially with distractions such as potential government shutdowns. The main topic of the episode was beneficiary IRAs and the strategy they recommend when taking withdrawals. They also discussed the investment risks involved and how proper planning can help manage them effectively. — Peak Wealth Management is a financial planning and wealth management firm in Plymouth, MI. We believe by providing education and guidance, we inspire our clients to make great decisions so they can Retire With Peace of Mind. Stay Connected With Us: Podbean: findingtruewealth.podbean.com YouTube: / @peakwealthmgmt Apple: rb.gy/1jqp6 (Trust the Plan Podcast) Facebook: Facebook.com/PeakWealthManagement Twitter: Twitter.com/nhopwood1 www.peakwm.com  

Beneficiaries who break the Government's job hunt rules face more intensive sanctions to prove they are hunting for employment. From today, they will be required to report on at least three job search activities a week and participate in four weeks of training courses. Minister for social development and employment Louise Upston told Kerre Woodham that the rules are for people, “who aren't doing their best, who aren't fulfilling their responsibilities, and this is a non-financial consequence of their inaction.” LISTEN ABOVE See omnystudio.com/listener for privacy information.

From tomorrow, beneficiaries will need to comply with two more obligations to continue receiving welfare. They will need to provide evidence of at least three job searches a week for four weeks, and attend employment-related training courses for at least five hours a week for four weeks. The sanctions are aimed at increasing employability, but critics think it's punishing beneficiaries for being out of work. LISTEN ABOVESee omnystudio.com/listener for privacy information.

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Alyssa interviews the director of the Nazareth Area Food Bank in advance of this week's food drive, and her daughter, Juliana, talks about what she's learning in her high school personal finance class—which becomes a Pennsylvania requirement next year. She also answers questions and delves into a variety of topics: It's Medicare open enrollment until Dec. 7. If your investment accounts don't have “per stirpes” or “per capita” selected, your beneficiary designations might not work the way you wish. A retiree asks what to do with his 401k. How should a sister handle a sibling pressuring dad to sell HIS house to pay off HER debt? The IRS is stopping paper checks! Free Second Opinion Meetings Meet with a More than Money advisor to review your entire financial picture or simply project your retirement Meet with our Social Security partner to plan the best S/S strategy or Medicare plan for you Meet with our estate planning attorney partner to review your estate plans – if you have any Meet with our insurance partner to review your life or long-term care coverages Discover how to have your 401(k) professionally managed without leaving your company plan Call today (610-746-7007) or email (Gene@AskMtM.com) to schedule your time with us.

Do Beneficiaries get Taxed on Inheritance?

Are you confident your retirement plan covers everything, or are there blind spots that could cost you down the road? In this episode of the Retirement Made Easy podcast, I reveal six commonly overlooked areas that can quietly sabotage even the most well-intentioned retirement strategy. From inflation shocks and healthcare surprises to tax missteps and market overconfidence, I'll walk you through the pitfalls I see time and again so you can learn how to avoid them. If you want a retirement that's not just comfortable but resilient, this episode is a must-listen. My goal is to walk you through these areas so you can strengthen your own plan and avoid costly mistakes. Today, I break down six critical areas that often get overlooked in retirement planning. First, I highlight the importance of preparing for large, irregular expenses. Second, I stress the impact of inflation, reminding listeners that costs will rise steadily over time and must be factored into any long-term plan. Third, I caution against assuming past investment performance will continue, urging retirees to prepare for market downturns with a solid strategy.  Fourth, I explain how tax planning (especially Roth conversions) can significantly reduce your lifetime tax burden if done thoughtfully. Fifth, I dive into healthcare planning, noting that Medicare isn't free and doesn't cover everything, so understanding your coverage and out-of-pocket costs is essential. Finally, I emphasize the importance of proper beneficiary designations and asset titling to avoid probate issues and unintended consequences after death. Together, these six areas form the foundation of a resilient, well-rounded retirement plan. You will want to hear this episode if you are interested in... (00:00) Intro. (04:20) How to handle large, unexpected expenses on a fixed income. (09:25) Does your retirement plan include inflation? (13:30) Do you have realistic expectations for your investment performance? (17:02) Tax Planning is Retirement planning. (20:06) Healthcare planning impacts your retirement. (23:17) Beneficiary planning and asset titling. The Real Cost of Your Living Expenses in Retirement Many people focus on monthly bills but often overlook big-ticket items, such as a new roof, HVAC system, or vehicle. These costs don't happen every year, but when they do, they can derail your financial stability if you haven't planned.  I share real examples from clients who face these challenges and emphasize the importance of building flexibility into your retirement budget to handle these inevitable expenses. Next, I highlight inflation's impact on your retirement.  The pandemic shows us how quickly prices can rise. I recall replacing our water heater and seeing the cost jump 150% in less than two years.  Inflation affects everything: healthcare, insurance, groceries, and dining out. Your retirement plan must include realistic inflation projections, as costs are expected to continue rising year after year. Planning for Market Pullbacks and Tax Surprises Then I turn to investment performance. Over the past decade, the stock market has performed exceptionally well, and many people assume that trend will continue. But that's not realistic. At some point, the market will pull back, and retirees need to be prepared (mentally and financially).  I stress the importance of having a strategy in place before a downturn hits, so you don't panic and make decisions that hurt you long-term. Tax planning is another critical area. Your income strategy in retirement should align with your tax strategy. Roth conversions allow you to move money into accounts that grow tax-free and aren't subject to required minimum distributions. Timing and planning are everything here. Getting Healthcare and Legacy Details Right I also discuss healthcare planning, which many people misunderstand. Medicare isn't like your employer's health insurance, and it doesn't cover everything. Healthcare costs will likely be one of your biggest expenses in retirement, and you need to understand what's covered, what's not, and how to prepare for unexpected medical bills.  Finally, I wrap up with beneficiary planning and asset titling. This is one of the simplest yet most overlooked parts of retirement planning. I've seen too many cases where someone passes away and their assets aren't titled correctly, or beneficiaries aren't listed. The consequences are taxes, probate fees, and emotional stress that fall on the surviving family.  These are easy fixes that can make a huge difference. I urge everyone to take the time to get them right. Now that you know these six areas, you're better equipped to build a retirement plan that truly works. Resources & People Mentioned 3 Steps to Retirement Planning Connect With Gregg Gonzalez Email at: Gregg.gonzalez@lpl.com Podcast: https://RetireStrongFA.com/Podcast Website: https://RetireStrongFA.com/ Follow Gregg on LinkedIn Follow Gregg on Facebook Follow Gregg on YouTube   Subscribe to Retirement Made Easy On Apple Podcasts, Spotify, Google Podcasts

This episode is essential listening for anyone who's inherited an IRA, especially in light of the game-changing SECURE Act. If you've inherited a retirement account from a non-spouse since 2020, this episode is packed with details you need to know to avoid unexpected tax bills and penalties. I explain the new rules for inherited IRAs, explaining the requirements and options for non-designated, non-eligible, and eligible designated beneficiaries. Whether you're figuring out minimum distributions or seeking smart tax-planning strategies, you'll get clear guidance on how these updates affect you, plus tips to steer clear of common mistakes in 2025 and beyond. You will want to hear this episode if you are interested in... [00:00] Inherited IRAs: key details explained. [02:36] SECURE Act and rule changes. [04:18] Retirement account beneficiary guidance. [07:13] IRA inheritance withdrawal rules. [10:31] IRA distribution rules explained. [13:36] Get in touch for more inherited IRA guidance & support. Inherited IRAs After the SECURE Act: What You Need to Know Before 2020, inherited IRAs were relatively simple: most non-spouse beneficiaries could "stretch" required minimum distributions (RMDs) over their lifetime, potentially lowering annual tax bills. The SECURE Act changed that. If you inherited an IRA from someone who passed away on or after January 1, 2020, new distribution rules likely apply to you, and ignorance could cost you in penalties. The law categorizes beneficiaries into three groups, and the rules differ based on which kind you are. 1. Non-Designated Beneficiaries Non-designated beneficiaries are not people; think estates, certain trusts (non-qualifying), or charities. Naming your estate as the beneficiary might not be the best move if you want your family to get the most options. Here's why: If the original owner died before their required beginning date (generally April 1 of the year they turned 73), the account must be fully distributed within five years. If they died after that date, the estate can take distributions using the deceased owner's single life expectancy, but this is still less flexible than for individual beneficiaries. 2. Non-Eligible Designated Beneficiaries This is the category most adult children, grandchildren, and some trusts fall into. For these individuals, the rules are as follows: If the owner died before their required beginning date (age 73), you must drain the IRA within ten years, but there's no mandate on interim distributions until year 10. Be careful, though, a massive, one-year withdrawal could push you into a higher tax bracket. If the owner died after their required beginning date, Annual RMDs start the year after death using the single life expectancy table, and the account must be completely emptied by the end of the tenth year. 3. Eligible Designated Beneficiaries This privileged group gets more flexibility, including: Surviving spouses (who can treat the IRA as their own or as inherited). Minor children (of the deceased owner, but only until age 21). Disabled and chronically ill individuals. Individuals no more than ten years younger than the deceased. They're allowed to take stretch distributions based on their own life expectancy, often leading to much smaller annual withdrawals and lower taxes. Planning Opportunities and Tax Pitfalls The IRS wants its share, and waiting until year 10 to take out all the funds could mean a significant tax hit. Instead, you might consider spreading withdrawals over several years, especially if you know you'll retire before year 10, lowering your tax rate in some of those years. Beneficiaries must also remember critical deadlines. Because the IRS allowed a moratorium on required distributions from 2021 to 2024 due to pandemic-related confusion, many will need to start withdrawing in 2025. Missing a required distribution can cost you 25% of the amount you should have taken, ouch! Practical Steps for Beneficiaries Review the decedent's date of death: This will determine which rules apply. Identify what type of beneficiary you are. Plan withdrawals smartly: Don't let inertia trigger a tax bomb in your tenth year. Consult a financial advisor: The rules are complex, and the stakes are high; personalized advice can help prevent costly mistakes. Don't name your estate or a non-qualifying trust as your beneficiary if you want your heirs to have better options. Inherited IRAs under the SECURE Act require more attention than ever before. Get proactive: determine your beneficiary type, mark your calendar for required distributions, and develop a tax strategy that fits your situation. Resources Mentioned Retirement Readiness Review Subscribe to the Retire with Ryan YouTube Channel Download my entire book for FREE  Connect With Morrissey Wealth Management  www.MorrisseyWealthManagement.com/contact   Subscribe to Retire With Ryan

Send us a textLeafs tickets, a Parisian wedding, Rob Ford's favourite nightclub owner — even Drake. This evolving story out of Queen's Park has it all.Last week, Ontario's auditor general had some scathing words for the Ford government's $2.5-billion Skills Development Fund (SDF), which supports “innovative projects” aimed at hiring, training and retraining Ontario workers.Shelley Spence found that the selection process was “not fair, transparent or accountable” — and that provincial labour ministers handpicked groups to receive hundreds of millions in taxpayer dollars against the advice of civil servants.The auditor general's findings followed exclusive reporting from Village Media's The Trillium, which revealed that multiple groups connected to the Ford government received generous SDF grants.Beneficiaries included a restaurant business with connections to a former key aide to the premier; a centre that trains people to work in clubs run by a longtime Ford associate; and a dental practice brokerage whose CEO worked closely with the wife of the former labour minister.Joining us on tonight's Closer Look to connect all the dots are three of The Trillium journalists who've been following the money: editor-in-chief Jessica Smith Cross and reporters Charlier Pinkerton and Jack Hauen.Hosted by Village Media's Michael Friscolanti and Scott Sexsmith, and produced by Derek Turner, Closer Look is a new daily podcast that goes way beyond the headlines with insightful, in-depth conversations featuring our reporters and editors, leading experts, key stakeholders and big newsmakers.Fresh episodes drop every Monday to Friday at 7 p.m. right in your local news feed — and on the show's dedicated website: closerlookpodcast.ca. Of course, you can also find us wherever you get your favourite podcasts.Want to be the first to know when a new episode lands? Sign up for our free nightly newsletter, which delivers the latest Closer Look straight to your email inbox. You can also subscribe to our

Visit our website:https://www.thewealthwarehousepodcast.com/Dave and Paul tackle a common stall-out point: starting IBC with one whole life policy and never building the system Nelson Nash intended. They cover when to add policies (spouse/kids/your increased income), how to plan expansions using convertible term, what to do with windfalls, and why loans and investments should originate from and return to your policy ecosystem.Becoming Your Own Banker by Nelson Nash:https://infinitebanking.org/product/becoming-your-own-banker/ref/46/Episode Highlights:0:00 - Episode beginning3:31 - IBC = a system, not one policy4:26 - Life changes → expand (income/spouse/kids)6:52 - Case study: don't cancel; CV > premium9:00 - Keep mature policies; avoid 1035 “churn”11:30 - Remember your why: capitalize & control12:31 - 20 years + a system; “accommodate all income”13:36 - How to expand (small adds, spouse/kids)15:03 - Kids' policies & compounding16:25 - Future-proof with convertible term & HLV19:12 - Windfalls → premium/loans/new premium20:55 - Policies as your emergency fund (liquidity)22:14 - Beneficiaries beat probate — update yearly25:03 - Investments start & return to your system28:22 - IBC is ongoing; control your capital29:55 - Episode wrap-upABOUT YOUR HOSTS:David Befort and Paul Fugere are the hosts of the Wealth Warehouse Podcast. David is the Founder/CEO of Max Performance Financial. He founded the company with the mission of educating people on the truths about money.David's mission is to show you how you can control your own money, earn guarantees, grow it tax-free, and maintain penalty-free access to it to leverage for opportunities that will provide passive income for the rest of your life.Paul, on the other hand, is an Active Duty U.S. Army officer who graduated from Norwich University in 2002 with a B.A. in History and again in 2012 with a M.A. in Diplomacy and International Terrorism. Paul met his wife Tammy at Norwich.As a family, they enjoy boating, traveling, sports, hunting, automobiles, and are self-proclaimed food people.Visit our website:https://www.thewealthwarehousepodcast.com/Catch up with David and Paul, visit the links below!Website: https://infinitebanking.org/agents/Fugere494 https://infinitebanking.org/agents/Befort399LinkedIn: https://www.linkedin.com/in/david-a-befort-jr-09663972/ https://www.linkedin.com/in/paul-fugere-762021b0/Email:davidandpaul@theibcguys.com

In this episode of Dollars & Sense, host Joel Garris breaks down the critical steps to "die better"—or at least be better prepared—by mastering the essentials of estate planning. Drawing from Chapter 19, "Death: The Other Certainty," of the Next Gen Dollars and Sense book, Joel shares practical advice to help listeners avoid common estate planning pitfalls and protect their loved ones. The episode highlights the different ways property transfers after death, including operation of law, operation of contract, and wills, explaining how each impacts your financial legacy. Listeners will discover tips on titling property, the importance of beneficiary designations, and strategies for making the process smoother, such as using Transfer on Death (TOD) or Payable on Death (POD) addenda and understanding the use of ladybird deeds. With real-life scenarios and actionable guidance, this episode is a must-listen for anyone who wants to take control of their financial future and ensure their wishes are honored. Tune in to learn how proactive estate planning can ease the burden for your family and spark meaningful conversations around the holidays! 

Progress Report: Medicaid Beneficiaries with No Services: Data Analytics Manager Chris Magee recaps a new LLA report that reviews the progress the Louisiana Department of Health has made with its processes to identify Medicaid beneficiaries who do not use Medicaid services and determine whether they are still eligible. | https://LLA.La.gov/go/podcast

Can Your Power of Attorney Change Beneficiary Designations

You asked, and we listened. In this episode of Coffee with Your Retirement Coach, we tackle one of the most common questions we get: "I'm 58 and have $2.4 million saved. Can I retire?" But as you'll hear, it's not just about the number on the page. We dive deep into what that figure could mean for your income, lifestyle, taxes, healthcare, and overall retirement vision. Join us as we break down the math behind the 4% rule and explore the often-overlooked factors that make or break a retirement plan—things like purpose, timing, Social Security strategy, and where and how you want to live. Plus, we share a real-life success story of a couple who made their beachside retirement dreams a reality.   **Timeline Summary** [0:06] - The $2.4 million question: Can I retire at 58? [1:25] - Why cash flow isn't the whole picture (think taxes and purpose) [2:38] - What a 4% withdrawal rate means for your retirement income [5:03] - Taking Social Security early: a controversial yet practical option [6:35] - Bridging the healthcare gap before Medicare kicks in [9:38] - The missing piece: lifestyle planning and location-based costs [13:08] - Real-life case: high-end travel vs. smart budgeting trade-offs [14:52] - Tax planning strategies to keep more of what you've earned [16:48] - The power of a retirement coach and building your dream team [18:08] - Client success story: from $2.4M to sunset strolls by the beach   **Final Thoughts** Retiring at 58 with $2.4 million? It's possible—but your success depends on your income needs, healthcare planning, tax strategy, and what kind of life you want to lead. If this episode hit close to home, subscribe, share it with a friend, and leave us a review. And as always, stay coachable!  

In this episode of Hull on Estates, Stuart Clark and Sumit Malhotra discuss disclosure rights of beneficiaries in context of corporations.

This story about sick or disabled teenagers getting the benefit doesn't make any sense. The Government wants to cut the dole for teenagers whose parents earn $65k plus - okay. Their justification? If poor old mum and dad have to cover their living costs, said teenagers will go find a job. Okay, fine. That's about 4000-odd 18–19-year-olds. But here's where it gets complicated. It turns out around half that number are getting the benefit not because they can't find work, but because they can't work. Like physically. Have a look on the WINZ website, it lays out the criteria. You have to prove the reason with a doctor's certificate. Basically, you can't work full-time because you have a disability, injury, or health condition which prevents it. There's mention of chronic stuff like haemophiliacs and chronic asthma sufferers. So here's the rub. If Johnny can't work —and we accept that because a doctor has said so— and the point of cutting Johnny's benefit is to encourage him to work, then we have an obvious problem. You can't encourage somebody to work who can't work, can you? This makes no sense. Either the Government is not believing the health conditions are real, or they are not that serious. Or they're saying that parents on $65k plus a year should be financially responsible for their kids until they're 20, even if those kids can't work for good reason. Which is, I think, wrong. Johnny's parents didn't choose, I'm sure, to have a disabled child or a kid injured in a car crash at home in the prime of their lives. Ministers need to better explain this announcement or U-turn on this portion of it before the ink dries. See omnystudio.com/listener for privacy information.

The Prime Minister says the Government's resetting expectations for under-25s to not rely on the unemployment benefit. A $1,000 bonus is being introduced for certain young people who stay off the benefit for a year. Newstalk ZB senior political correspondent Barry Soper says this announcement isn't anything new, but something needs to be done to encourage young people into work. LISTEN ABOVESee omnystudio.com/listener for privacy information.

Fan Mail - Send us a Text MessageTerry Waugh is a solicitor, mortgage broker and tax adviser.In this episode I'm talking about naming beneficiaries in discretionary trusts.— If you would like to ask a question which could be answered by Terry on the podcast please go to the podcast page and follow the instructions.Support the showwww.structuring.com.au

In this episode of The First Day from The Fundraising School, host Bill Stanczykiewicz, Ed.D., welcomes Abashek Bhati, Ph.D., Associate Professor at Bowling Green State University, to dive deep into the ever-buzzing world of social media fundraising. Spoiler alert, it's not just about asking for money. Drawing on fresh research, Dr. Bhati reveals that nonprofits who blend a variety of six message types (instead of hammering the “donate now” button nonstop) can boost their fundraising results by a whopping 96%. That's nearly doubling your impact just by mixing up your posts. So, what are these six magical message types? Beneficiary stories, mission-focused content, engagement asks, expressions of gratitude, goal attainment updates, and fundraising ask. While asking remains the most frequent (and necessary) message, Dr. Bhati's research shows that over-reliance on it can lead to donor fatigue faster than you can say “algorithm change.” It turns out donors want to feel part of a story, not just a transaction. The conversation gets even juicier when Bill and Dr. Bhati dig into the science behind why these message types matter. Want more donations? Try publicly thanking donors (which can lift giving by 59%). Need to hit that campaign goal? Posts showing you're just $50 short create FOMO that can spike donations by 79%. It's all about creating that “whirlpool effect” of engagement, where your message spreads further and deeper. They wrap with practical tips for fundraisers of all organizational sizes. Don't have a massive marketing team? No problem. Start by planning posts ahead, use scheduling tools, and lean on your board, volunteers, and existing supporters to build your social media presence. Because as Dr. Bhati reminds us, social media fundraising isn't a magic bullet, it's a strategic dance. And when you choreograph your messages well, donors don't just listen, they leap in.

Can You Update Transfer on Death Deed Without Telling Beneficiaries?

On this feel-good edition of the Trust the Plan Podcast, Nick Hopwood, CFP®, and Jim Pilat, CFP®, of Peak Wealth started with some positive market news. The S&P 500 is up double digits year to date, which has happened about 30 times since 1950 and is usually a good sign for the rest of the year. They encouraged listeners to focus on data like this rather than emotions, especially with distractions such as potential government shutdowns. The main topic of the episode was beneficiary IRAs and the strategy they recommend when taking withdrawals. They also discussed the investment risks involved and how proper planning can help manage them effectively. — Peak Wealth Management is a financial planning and wealth management firm in Plymouth, MI. We believe by providing education and guidance, we inspire our clients to make great decisions so they can Retire With Peace of Mind. Stay Connected With Us: Podbean: findingtruewealth.podbean.com YouTube: / @peakwealthmgmt Apple: rb.gy/1jqp6 (Trust the Plan Podcast) Facebook: Facebook.com/PeakWealthManagement Twitter: Twitter.com/nhopwood1 www.peakwm.com  

On this week's Stansberry Investor Hour, Dan and Corey welcome Marc Chaikin back to the show. Marc is the founder of our corporate affiliate Chaikin Analytics and a market veteran of more than 50 years. Marc kicks off the show by explaining why he's bullish through the first quarter of next year, the implications behind a Federal Reserve rate-cutting cycle, the opportunity today in homebuilders and biotech, and what's happening in the bond market with the "bond vigilantes." He breaks down the three factors driving the market right now and lists a few "less obvious" sectors and companies that are benefiting from these factors. (1:04) Next, Marc discusses his Power Gauge system and how it gives you an inside look into what folks on Wall Street are doing. After, he delves into how the current AI boom resembles the dot-com boom, a "mini bubble in the making" for data-management company Oracle, and China being behind gold's soaring price. Using the Power Gauge in real time, Marc gives listeners several gold-mining and construction stocks that are rated bullish by his system. (18:31) Finally, Marc reminds listeners that small caps were the real winners when the dot-com bubble burst, so that could happen again when the AI bubble inevitably bursts. This leads to a conversation about the late investment adviser Marty Zweig and his timeless advice for investors. Then, to close the show out, Marc speaks about the significance of this leg of the bull market being fueled by capital spending rather than customers... millennials investing in stocks... and fundamentals not mattering for younger investors. (36:39)

We challenge contemporary perceptions of Yemen as a "backwater" by revealing the pivotal role of its port city, Mocha, in the making of our modern world. Historian Nancy Um delves into the fascinating history of coffee, from its origins in 15th-century Yemen to its global spread and the economic transformations it spurred. She explores the rich maritime trade routes of the Indian Ocean, highlighting Yemen's centrality as a crossroads for goods, ideas, and people long before European influence. Um discusses the Ottoman Empire's cultivation of coffee in Yemen, the rise and decline of Mocha as a trade hub, and the unique cultural adaptations of coffee consumption within Yemen itself, such as the popular Qishr drink. We also touch upon the broader impact of hot beverages and porcelain on global social and consumption patterns, revealing how these everyday items were once revolutionary technologies. Um shares insights into the ongoing efforts to revive Yemen's coffee industry and offers recommendations for further reading on Yemen's vibrant history. 0:00 Mocha: A Bustling 17th-18th Century Trade Center0:50 Yemen's Monopoly on Coffee2:46 Nancy Um's Interest in Maritime Trade and Yemen3:40 Yemen's Historical Significance Beyond Recent Decades5:51 What Made Mocha a Prime Trade Hub?7:58 Mocha's Rival: Aden8:11 The History of Coffee as a Drink10:01 Debunking Coffee Origin Myths: The Story of Kaldi and the Goats12:20 Coffee as a Hot Brewed Beverage from Yemen12:32 The Evolution of Coffee as a Commodity and Social Habit13:21 Early Suspicion and Prohibitions Against Coffee14:41 The Global Journey of the Coffee Plant15:57 The Dutch and Coffee Cultivation in Java17:22 Yemen's Shifting Coffee Fortunes18:14 The Ottomans and Yemen's Coffee Cultivation19:06 Ottoman Control of the Red Sea Trade20:37 Diversification of Trade Beyond Coffee21:37 European Influence on Mocha's Popularity22:21 Qishr: Yemen's Unique Coffee Husk Drink (aka Cascara)24:19 Efforts to Rebuild Yemen's Coffee Industry26:01 The Red Sea Trade Route's Enduring Importance29:02 The Indian Ocean: A Space of Exchange and Imagination30:51 Reconsidering Land-Based vs. Water-Based Cultural Identities33:20 Nationalizing Watery Metaphors and Icons35:10 Historical Naming Conventions and Cultural Continuities37:39 Coffee, Tea, and Chocolate: Technologies Reshaping Society40:30 The Coffee House and the Enlightenment42:07 The Decline of Mocha as an Economic Hub43:10 Beneficiaries of Mocha's Decline44:58 Challenge of Contradictory Stories in Historical Narratives47:20 Disproving Coffee Plant Smuggling Myths50:27 Misunderstandings About Yemen's History51:34 Book Recommendations on Yemen53:56 Access to Local Historical Documents in Yemen Nancy Um is Associate Director for Research and Knowledge Creation at the Getty Research Institute. Her research program explores art, architecture, and material culture around the Indian Ocean, the Red Sea, and the Arabian Peninsula, with a focus on trade and cross-cultural exchange in the early modern era. She is also the author of "The Merchant Houses of Mocha: Trade and Architecture in an Indian Ocean Port," and "Shipped but Not Sold: Material Culture and the Social Protocols of Trade during Yemen's Age of Coffee."Connect with Nancy Um

On this week's Stansberry Investor Hour, Dan and Corey welcome Marc Chaikin back to the show. Marc is the founder of our corporate affiliate Chaikin Analytics and a market veteran of more than 50 years. Marc kicks off the show by explaining why he's bullish through the first quarter of next year, the implications behind a Federal Reserve rate-cutting cycle, the opportunity today in homebuilders and biotech, and what's happening in the bond market with the "bond vigilantes." He breaks down the three factors driving the market right now and lists a few "less obvious" sectors and companies that are benefiting from these factors. (1:04) Next, Marc discusses his Power Gauge system and how it gives you an inside look into what folks on Wall Street are doing. After, he delves into how the current AI boom resembles the dot-com boom, a "mini bubble in the making" for data-management company Oracle, and China being behind gold's soaring price. Using the Power Gauge in real time, Marc gives listeners several gold-mining and construction stocks that are rated bullish by his system. (18:31) Finally, Marc reminds listeners that small caps were the real winners when the dot-com bubble burst, so that could happen again when the AI bubble inevitably bursts. This leads to a conversation about the late investment adviser Marty Zweig and his timeless advice for investors. Then, to close the show out, Marc speaks about the significance of this leg of the bull market being fueled by capital spending rather than customers... millennials investing in stocks... and fundamentals not mattering for younger investors. (36:39)

What would you do if your company sold, your stock was cashed out, and you suddenly found yourself with $5 million in hand? In this episode, Nic and I dive into the reality of experiencing a once-in-a-lifetime windfall and all the opportunities — and challenges — that come with it.   We explore the first critical steps you need to take before making big financial decisions, from understanding the tax implications to planning for long-term income and security. Whether you're dreaming of retiring tomorrow or just trying to figure out what Uncle Sam's cut will be, this conversation will give you a grounded perspective on how to approach sudden wealth wisely.   Timeline Summary [0:45] – Setting the stage: your company sells, your stock cashes out, and a $5M windfall arrives [3:22] – Why this might be the biggest financial event of your life [6:18] – The first place to start: navigating taxes before spending [9:40] – Real-world examples: from tech startups to natural food brands [12:55] – Breaking down what a $5M payout can actually mean for your future income [16:10] – Retirement readiness: could you really stop working today? [20:45] – Building a strategy to make wealth last a lifetime   Links & Resources Learn more at [https://YourRetirementCoach.com](https://yourretirementcoach.com/) Connect with Nic on LinkedIn: https://www.linkedin.com/in/nicyeomans/ Schedule a consultation: https://www.yourretirementcoach.com/free-consultation   If you enjoyed this episode, please rate, follow, and leave a review. It really helps spread the word so more listeners can find Coffee with Your Retirement Coach!  

Although beneficiary designations avoid probate, it is often best to have your assets pass by will or trust since protection is often needed for your beneficiaries ranging from disability to tax planning.

Darshan H. Brahmbhatt, Podcast Editor of JACC: Advances, discusses a recently published original research paper on Association Between Fixed-Dose Combination Use and Medication Adherence, Health Care Utilization, and Costs Among Medicaid Beneficiaries.

If you are a beneficiary to an estate when a loved one dies, or if you're planning on creating an estate plan, there is a lot to sort through. Katrina Robinson, CEO of Teton Trust joins to share a basic checklist and take listener calls.

Topics: Biblical Backsliding, You're Not a Backslider If You Don't "Fully Commit" to God, You're Not a Backslider If You're Sinning, The Word Backslide Is Not in the New Testament for a Reason, The Law Was Brought in so That Sin Would Increase (Romans 5:20), The Law is a Ministry of Death and Condemnation (2 Corinthians 3), You Are Now the Temple of God (1 Corinthians 6:11), You Are Now the House of God (Hebrews 3 and Hebrews 10), You Search the Scriptures because You Think that in Them You Have Life (John 5), The Law is Not of Faith (Galatians 3), Even when We are Faithless He Remains Faithful (2 Timothy 2:13), A Fearful Exception for the Unbelievers Who Insult Grace (Hebrews 10), It Is Good for Your Heart to Be Strengthened by Grace, Jesus is Grace, Jesus Is Grace, The Law Was Meant to Increase Sin, The Old Covenant is Now Obsolete (Hebrews 8), The New Covenant Is a New and Living Way, You Are Not Under the Law but Under Grace (Romans 6:14), If It's Based on Works It Cannot Be Based on Grace (Romans 11:6), If You Are Led by the Spirit You Are Not Under the Law (Galatians 5:18), God Found Fault with Israel, The New Covenant Is Based on Better Promises, The New Covenant Came through the Blood of Jesus, You Are a Beneficiary to the New Covenant, The Old Testament Uses the Word Backslide, The Context of Backsliding Was the Hebrews Sliding Away from Faith in the Old Covenant, Jesus Is the Gospel of Grace (Acts 20:24), Your Sins Are Not More Powerful than What He's Done, The Promises Made at the Cross Keeps This from Being Undone, Confession and Repentance Don't Maintain Your Salvation, You Are One Spirit with the Lord (1 Corinthians 6:17), Our Perfection Comes by Way of Trusting in What Jesus Has Done with His Blood, God Was Still Married to the "Backslider" in the Old TestamentSupport the showSign up for Matt's free daily devotional! https://mattmcmillen.com/newsletter

Have you ever wondered what happens to your debts when you're gone? Many assume obligations simply vanish, but the truth is more complicated. Without a plan, your loved ones could face creditors, confusion, and unnecessary heartache. Let's explore how debt is handled after death—and the steps you can take now to protect your family.Different Types of DebtNot all debts are treated the same after death.Secured Debt: These are tied to assets such as homes or cars. If you pass away with a mortgage, the heir who inherits the property also inherits the payments. Without the ability to pay, foreclosure or repossession is possible. Unsecured Debt: Credit cards and personal loans fall into this category. Unless someone is a joint account holder, heirs aren't responsible. However, creditors can claim repayment from your estate before anything goes to heirs or charities.Special Cases: Student and Medical DebtStudent Loans: Federal student loans—including Parent PLUS loans—are discharged at death. Private student loans vary: some lenders forgive, others pursue repayment from the estate or co-signer. Medical Debt: Providers sometimes write off smaller balances, but they aren't required to. With rising healthcare costs, debts can be substantial, draining family assets quickly.Protected AssetsSome resources are shielded from creditors:Life insurance proceedsRetirement accounts with named beneficiariesThese bypass the estate entirely and go directly to heirs. But accuracy matters—outdated beneficiary forms can unintentionally disinherit a spouse or child.Other Important ConsiderationsCommunity Property States: In states like Texas, California, and Arizona, marital debts are often shared. Surviving spouses may be held responsible for balances they didn't incur. Co-Signed Loans: Parents, grandparents, and friends often co-sign loans without realizing they'll be responsible if the other borrower passes away.Planning AheadBecause the rules vary, consulting an estate attorney is wise. A one-time meeting can prevent years of stress later. But the best protection is simple: live with as little debt as possible. By building margin and reducing obligations, you bless your family with both financial relief and a legacy of stewardship.Practical steps include:Reviewing accounts regularlyUpdating beneficiariesPaying down debtsOrganizing important recordsCreating a will or trustProverbs 13:22 tells us, “A good person leaves an inheritance for their children's children.” That inheritance is about more than money—it's about modeling wisdom, integrity, and trust in God's provision. By stewarding your finances well today, you not only provide a cleaner path for your loved ones tomorrow but also leave them with a testimony of faith that points them back to Christ.On Today's Program, Rob Answers Listener Questions:My grandfather set up 529 plans for my kids years ago. When my older children graduate, can I use any leftover money for my younger daughter's education? And eventually, could I split the remaining funds among all my kids?I'm the Power of Attorney for my 92-year-old mother, who has regularly helped my two sisters financially. I'd like to set up automatic monthly gifts of $1,500 to each of them to stay under the annual gift tax limit. I'm also retired and considering using some of her funds to help with my grandchildren's college expenses. Is that ethical?I'm 71 and have been doing Roth conversions for the past two years. I opened a Roth account six years ago. Can I now withdraw money from those conversions without being restricted by any time limits?I'm 63 and have about $200,000 in a 401(k) from a former employer. I'd like to move it into a biblically aligned investment, but my current plan administrator says I can't. What options do I have?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Timothy Plan | Eventide Asset Management | OneAscentZillowWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

This week, Todd Lutsky explains the process and benefits of naming beneficiaries on IRAs and how income taxes are paid when the estate is the beneficiary.

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

You've done it—you hit your retirement number.

The largest wealth transfer in history is happening right now, as baby boomers pass on trillions of dollars in retirement assets. But if you inherit an IRA, the rules aren't as simple as many think, with recent legislation making them even more complex. The team explains the new landscape of inherited IRAs under the Secure Act 1.0 and 2.0. They cover the differences between spouse and non-spouse inheritance, how the 10-year withdrawal rule works, and the major tax consequences you need to prepare for. From required minimum distributions (RMDs) to special exceptions for minors, disabled individuals, and trusts, we show what beneficiaries must know to avoid costly mistakes. Plus, Jeremiah and Nic share planning strategies to reduce the tax hit, like coordinating withdrawals with your income or leveraging Roth accounts for long-term growth.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts: Jeremiah Bates & Nic Daniels

This week, Todd Lutsky breaks down how to limit your beneficiaries exposure to estate taxes, where assets go after a spouse dies with a irrevocable trust, and changing the owner of an account in a trust.

Free Copy of My Book: Building Wealth In the TSP: Your Road Map To Financial Freedom as A Federal Employee: https://app.hawsfederaladvisors.com/free-tsp-e-book FREE WEBINAR: "The 7 Biggest FERS Retirement Mistakes": https://app.hawsfederaladvisors.com/7biggestmistakeswebinar Want to schedule a consultation? Click here: https://hawsfederaladvisors.com/work-with-us/ Submit a question here: https://app.hawsfederaladvisors.com/question-submission I am a practicing financial planner, but I'm not your financial planner. Please consult with your own tax, legal and financial advisors for personalized advice.

Cathedral Giving by Design is thrilled to announce the 2026 beneficiary - Global Village Project - and welcome them to Sunday school this morning. Global Village Project (GVP) is the only middle school in the U.S. dedicated entirely to refugee girls. Through an innovative and trauma-informed academic model, GVP reactivates the interrupted education of girls who have fled war, violence, and displacement — and offers them the chance to not just catch up, but to succeed. It can be overwhelming for these young girls, but having once had their education denied from them, these students are dedicated, eager, curious, and relentless.For 16 years, GVP has operated in a converted church building, serving around 45 students each year. Every year, they turn away nearly half of all applicants due to space limitations. The need for GVP's model continues to grow — while the current facility has reached its limit.In response, GVP secured a new three-building, 26,000-square-foot school campus in Clarkston, Georgia through a capital campaign. Upon completion of renovations in the fall of 2026, the school will expand its capacity to serve up to 100 students annually, thereby more than doubling its impact.Event proceeds from Cathedral Giving By Design will help furnish the future — by outfitting the new campus of Global Village Project with three vital, healing spaces: an auditorium, library, and cafeteria. These spaces will become places where girls grow in confidence, creativity, and community.Cathedral Giving By Design takes place January 23–24, 2026. 

This week, Todd Lutsky explains why you should name your estate an IRA beneficiary, how that impacts planning for long-term care, and spending requirements for an inherited 401(k).

As we work and accumulate super throughout our careers, we hope to build a tidy nest egg for our retirement. But if you pass away before accessing the money, who receives it? 

Featured on WGN Radio's Home Sweet Home Chicago on 08/30/25: Dave Schlueter of the Law Offices of David R. Schlueter joins Wendy Snyder, in for David Hochberg, to discuss Transfer on Death Instrument and quick claim deeds. To learn more about what Dave Schlueter can help you with, go to schlueterlawoffice.com or call 1-630-285-5300.

Have you heard of required minimum distributions (RMDs) but aren't sure how they impact your retirement plan? In this episode of Coffee with Your Retirement Coach, Nic and I unpack everything you need to know about RMD rules, retirement income planning, and tax-smart strategies to avoid costly mistakes.   We'll explain what RMDs are, when they start, how they're calculated, and the tax implications you need to prepare for. Plus, we share real stories of retirees who were blindsided by RMD requirements—and how the right planning can help you reduce taxes, stay in control of your money, and enjoy retirement with confidence. Whether you're approaching age 73 or just getting started with retirement planning, this episode will help you build a smarter strategy for your future. --- ⏰ Episode Timeline - [1:00] - Why **required minimum distributions** (RMDs) are a critical part of retirement income planning - [2:20] - Which retirement accounts are subject to RMD rules (and why Roth IRAs are an exception) - [3:37] - A powerful story: an engineer nearing retirement who had no idea about RMDs - [5:42] - How RMDs are calculated using your year-end balance and the IRS life expectancy tables - [7:33] - Flexibility in choosing which retirement account to withdraw from—and key caveats to know - [9:11] - The truth about how RMDs are taxed as ordinary income, and one costly mistake to avoid - [11:12] - Why you need an **RMD strategy** before age 73: Roth conversions, charitable giving, and more - [12:36] - How market growth and IRS rules can push you into higher tax brackets over time - [14:24] - A client story showing why even some CPAs misunderstand required minimum distributions - [16:20] - Free resource: our **one-page RMD worksheet** to prepare for conversations with your CPA or advisor ---

Potential topics: Topics to include: Blaze Credit Union and Osaic Deal, Empower's Schlichter Law Suit, Justin Bieber's New Album, Tax Credit Failures, Technology for Small Plans, Beneficiaries and our New FinTok Segment

Ahmed Riesgo sees healthcare and financials being the two sectors to benefit the most in the coming months. He expects healthcare to benefit from evolving technology while financials will grow once the Fed kicks its rate cutting cycle back into motion. Even if tech takes a back seat, Ahmed still expects A.I. to be a "generational shift" that barely began despite "froth" forming in related stocks.======== Schwab Network ========Empowering every investor and trader, every market day.Options involve risks and are not suitable for all investors. Before trading, read the Options Disclosure Document. http://bit.ly/2v9tH6DSubscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/About Schwab Network - https://schwabnetwork.com/about

The Friday Five for August 22, 2025: Field Notes on OBBBA, Spotify, and TikTok D. Power Medicare Advantage Member Satisfaction Survey Sonder Health Plans Inc. Termination Short-Term Medical Plan Regulation Update Judge Vacates HHS MA Commissions Lawsuit   Get Connected:

Photronics (PLAB) is a legacy tech company that David Trainer says has gone completely unnoticed by Wall Street for what he considers as a key role in the A.I. space. He points out its photomask development as critical to building chips. As for its financials, David adds that it continues to post solid growth and trades at a cheap P/E compared to peers. While he considers the company an "under the radar" leader, he notes competition as a headwind Photonics will face.======== Schwab Network ========Empowering every investor and trader, every market day. Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/ About Schwab Network - https://schwabnetwork.com/about

Sam Tsemberis came up with Housing First — permanent housing with supportive services. He explains the root causes of homelessness and why Trump’s executive order paints a false reality.  When Amber Mariah Metzinger entered a Housing First program, she stopped using meth, and started working toward a career in drug and alcohol counseling.  After 15 years off air, “King of the Hill” returns with new laughs, old neighbors, and storylines that echo today’s political and social divide.  Dan Tana, 90, died of cancer on Saturday in his native Serbia — far from the city where his name welcomed diners and scenesters for decades.

In this episode, Tim asks the question many pilots hear in the cockpit: Is your 401(k) a scam? He walks through why 401(k)s exist, how they replaced pensions, and what today's airline plans actually offer: contribution mechanics, investment menus, legal protections, and employer contributions specific to the majors. Tim also shares a listener email requesting a cargo-carrier disability deep-dive and invites other cargo pilots to weigh in.What You'll Learn from This EpisodePensions vs. 401(k)s: Why pensions faded (PBGC oversight, funding issues)and how 401(k)s became the primary retirement tool.How Airline 401(k)s Work: Salary deferrals: pre-tax and Roth, after-taxcontributions, investment menus, brokerage window.Contribution Limits & Employer Money: What “up to $70,000 per year”includes: deferral, after-tax non-Roth, NEC; why big plans mean lower-costfunds.Ownership & Vesting: Immediate vesting when dollars hit your account: what it means if you stay or leave.Legal Protections & Risks: 401(k)s protected from creditors, suits, bankruptcy; IRA and Roth IRA bankruptcy protection to ~$1.7M through 2028; civil-suit rules vary by state; QDROs in divorce are the exception.Beneficiaries that Bypass Probate: Keep beneficiaries current to speeddistributions and reduce taxes.What Might Be Coming Next: In August order asks DOL to review alternativesin 401(k)s: private equity, private credit, crypto, real estate, digital assetsResources:Schedule An AppointmentOur Practice's WebsiteSend Us Your Questions: info@pilotsportfolio.comThis episode is sponsored by: Beacon RelocationBeacon Relocation is a real estate firm helping pilots and air traffic controllers save money on their real estate transactions. By tapping into their network of over 1500 real estate agents across the country, pilots can save 20% of the real estate agent's commission towards your closing cost on the sale or purchase of your home. Visit https://www.beaconrelocation.com/ to learn more. Timothy P. Pope is a Certified Financial Planner™and principal owner of 360 Aviation Advisors, LLC (“360 Aviation Advisors”), a registered investment advisory firm. Investment advisory services are provided through 360 Aviation Advisors, in its separate and individual capacity as a registered investment adviser. Podcast episodes are provided through Pilot's Portfolio, in its separate and individual capacity. We try to provide content that is true and accurate as of the date of publishing; however, we give no assurance or warranty regarding the accuracy, timeliness, or applicability of any of the contents. We assume no responsibility for information contained on this website and disclaim all liability in respect of such information, including but not limited to any liability for errors, inaccuracies, omissions, or misleading or defamatory statements. Links to external websites are provided solely for your convenience. We accept no liability for any linked sites or their content and remind you that we have no control over their content. When visiting external web sites, users should review those websites' privacy policies and other terms of use to learn more about, what, why and how they collect and use any personally identifiable information. Usage of this content constitutes an explicit understanding and acceptance of the terms of this disclaimer.

Welcome to episode 445, where we discuss helping out Em's mortal enemies... fish. On the paranormal side of things, Em takes us to Old Melbourne Gaol (jail spelled the fun way). Then Christine covers the wild, conflicting case of Jade Janks and Tom Merriman. And can we revisit the idea of Em's psychic abilities? ...and that's why we drink! Photo Links:The Melbourne GaolThe Kelly ArmourNed Kelly Head to http://DailyLook.com to take your style quiz and use code DRINK for 50% off your first order. That's http://helixsleep.com/drink for 27% Off Sitewide. Exclusive for listeners of And That's Why We Drink. Make sure you enter our show name after checkout so they know we sent you! Grab an Angry Orchard Cider today. Don't Get Angry. Get Orchard. Please Drink Responsibly. Get this new customer offer and your 3-month Unlimited wireless plan for just $15 a month at http://mintmobile.com/ATWWD Learn more about your ad choices. Visit podcastchoices.com/adchoices