Podcasts about beneficiaries

Jump in the time machine with us as we travel back circa 2005 for the first Medicare Annual Enrollment Period, the debut of Medicare Advantage, Medicare Part D, two new Med Supp plans, and more!   Read the text version   Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.   Resources: 4 Ways PlanEnroll Will Make This Your Best AEP Yet 4 Reasons Why Ritter Insurance Marketing Should Be Your FMO Insurance Agency 5 Medicare Myths Your Clients May Believe 10 Tips to Submitting an Error-Free Medicare Enrollment Application 2026 Medicare Part D Bid Info Likely Means Higher Premiums & Plan Disruption — Here's Why A Review of Integrity's Top Medicare Quoting Tools How Insurance Agents Can Use AI Tools How Storytelling Helps Agents Quickly Connect with Clients ft. Don Connelly IntegrityCONNECT & PlanEnroll FAQs Register with RitterIM.com Risk Adjustment & Finding Value Beyond Coding Changes ft. Dr. Shannon Decker The Future of Medicare Part D: The Push Toward MAPD The Ultimate Agent Resource List Pt. 3: Staying Organized   References: “2005 CMS Statistics.” Cms.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/research-statistics-data-and-systems/statistics-trends-and-reports/medicaremedicaidstatsupp/downloads/2005_cms_statisticspdf. Accessed 21 Oct. 2025. “2025 Medicare Parts A & B Premiums and Deductibles.” CMS.Gov, Centers for Medicare & Medicaid Services, 8 Nov. 2024, www.cms.gov/newsroom/fact-sheets/2025-medicare-parts-b-premiums-and-deductibles. McManus, Melanie Radzicki. “A Short History of How Netflix Won World Domination in Streaming.” Entertainment.Howstuffworks.Com, HowStuffWorks, 21 Dec. 2018, entertainment.howstuffworks.com/short-history-netflix-world-domination-streaming.htm. “Beneficiaries with Special Needs Can Get Help from Medicare Managed Care Plans.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/newsroom/fact-sheets/beneficiaries-special-needs-can-get-help-medicare-managed-care-plans. Accessed 21 Oct. 2025. Laschober, Mary. “Estimating Medicare Advantage Lock-In Provisions Impact on Vulnerable Medicare Beneficiaries.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/files/document/05springpg63pdf. “IPod Shuffle (1st Generation).” Apple.Fandom.Com, Apple Wiki, apple.fandom.com/wiki/IPod_shuffle_(1st_generation). Accessed 21 Oct. 2025. “K & L Out-of-Pocket Limits Announcements.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/medicare/health-drug-plans/medigap/k-l-out-of-pocket-limits-announcements. Accessed 21 Oct. 2025. “Medicare Advantage and Medicare Prescription Drug Programs to Remain Stable as CMS Implements Improvements to the Programs in 2025.” CMS.Gov, Centers for Medicare & Medicaid Services, 27 Sept. 2024, www.cms.gov/newsroom/press-releases/medicare-advantage-and-medicare-prescription-drug-programs-remain-stable-cms-implements-improvements. Freed, Meredith, et al.  “Medicare Advantage 2025 Spotlight: A First Look at Plan Offerings.” KFF.Org, KFF, 9 Aug. 2025, www.kff.org/medicare/medicare-advantage-2025-spotlight-a-first-look-at-plan-offerings/. Freed, Meredith, Jeannie Fugleston Biniek, et al. “Medicare Advantage 2025 Spotlight: A First Look at Plan Premiums and Benefits.” KFF.Org, KFF, 9 Aug. 2025, www.kff.org/medicare/medicare-advantage-2025-spotlight-a-first-look-at-plan-premiums-and-benefits/. “Medicare Part B Immunosuppressive Drug Benefit.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/partbid-provider. Accessed 21 Oct. 2025. “Medicare Demonstration to Transition Enrollment of Low Income Subsidy Beneficiaries .” Cms.Gov, Centers for Medicare & Medicaid Services, 8 June 2006, www.cms.gov/Medicare/Prescription-Drug-Coverage/PrescriptionDrugCovContra/Downloads/MemoLTCContracting_060806.pdf. “Medicare Part B Income-Related Monthly Adjustment Amount.” Federalregister.Gov, Federal Register, www.federalregister.gov/documents/2006/10/27/E6-17690/medicare-part-b-income-related-monthly-adjustment-amount. Accessed 21 Oct. 2025. Cubanski, Juliette, and Anthony Damico. “Medicare Part D in 2025: A First Look at Prescription Drug Plan Availability, Premiums, and Cost Sharing.” KFF.Org, KFF, 9 Aug. 2025, www.kff.org/medicare/medicare-part-d-in-2025-a-first-look-at-prescription-drug-plan-availability-premiums-and-cost-sharing/. “Medicare Program Description and Legislative History.” Ssa.Gov, Social Security Administration, www.ssa.gov/policy/docs/statcomps/supplement/2006/medicare.html. Accessed 21 Oct. 2025. “Medicare Program; Establishment of the Medicare Advantage Program.” Federalregister.Gov, Federal Register, https://www.federalregister.gov/documents/2005/01/28/05-1322/medicare-program-establishment-of-the-medicare-advantage-program. Accessed 21 Oct. 2025. “Part D / Prescription Drug Benefits.” Medicareadvocacy.Org, Center for Medicare Advocacy, 30 May 2025, medicareadvocacy.org/medicare-info/medicare-part-d/. “Pop Culture in Review for the Year 2005.” Mrpopculture.Com, Mr. Pop Culture , 29 Nov. 2023, mrpopculture.com/pop-culture-in-review-for-the-year-2005/. "The Medicare Advantage program: Availability, benefits, and special needs plans - Chapter 9." Medpac.Gov, Medpac.gov, www.medpac.gov/wp-content/uploads/import_data/scrape_files/docs/default-source/reports/Jun06_Ch09.pdf. Accessed 21 Oct. 2025. Gold, Marsha. “The Landscape of Private Firms Offering Medicare Prescription Drug Coverage in 2006.” Modern.Kff.Org, The Henry J. Kaiser Family Foundation, www.kff.org/wp-content/uploads/2013/01/7474.pdf. Accessed 21 Oct. 2025. “The next Generation of Medicare Beneficiaries - Chapter 2.” Medpac.Gov, Medpac.gov, www.medpac.gov/wp-content/uploads/import_data/scrape_files/docs/default-source/reports/chapter-2-the-next-generation-of-medicare-beneficiaries-june-2015-report-.pdf. Accessed 21 Oct. 2025. Crowder, Courtney. “Throwback: Pop Culture Trends of 2005.” Usatoday.Com, USA Today, 30 July 2015, www.usatoday.com/story/entertainment/2015/07/30/pop-culture-trends/30739417/. “Update to Medicare Deductible, Coinsurance and Premium Rates for 2006.” Cms.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/Regulations-and-Guidance/Guidance/Transmittals/downloads/R31GI.pdf. Accessed 21 Oct. 2025. “Variation and Trends in Medigap Premiums.” Aspe.Hhs.Gov, U.S. Department of Health and Human Services Assistant Secretary for Planning and Evaluation, aspe.hhs.gov/sites/default/files/migrated_legacy_files/43721/index.pdf. Accessed 21 Oct. 2025. Hosch, William L. “YouTube.” Britannica.Com, Encyclopædia Britannica, inc., 19 Oct. 2025, www.britannica.com/topic/YouTube.   Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance      Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel   Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/   Not affiliated with or endorsed by Medicare or any government agency.

Amy King hosts your Tuesday Wake Up Call. ABC News national correspondent Steven Portnoy speaks on the Senate voting on the government funding bill that is expected to pass and end the shutdown. ABC News reporter Jim Ryan talks about Christmas in 2025 and it being a season on uncertainty. Bloomberg’s Denise Pellegrini updates us on the latest in business and Wall Street. The show closes with the host of ‘How to Money’ Joel Larsgaard talking about budgeting and spending for Christmas, tariff checks, and allocating beneficiaries.See omnystudio.com/listener for privacy information.

Blending a family takes grace—and so does blending your finances.When couples merge families, they're also merging priorities, habits, and sometimes, financial baggage. Ron Deal joins us today to show us that with honesty and a shared vision, what begins as a challenge can become a source of strength for blended families navigating both money and marriage.Ron Deal is a bestselling author, licensed marriage & family therapist, podcaster, and popular conference speaker who specializes in marriage enrichment and stepfamily education and is the co-author of The Smart Stepfamily Guide to Financial Planning: Money Management Before and After You Blend a Family. Why Honest Money Conversations MatterThere once was a man who, when his girlfriend thought he was about to propose, surprised her by asking for her credit report instead. It's a funny story—but one that reveals a serious truth. Beneath money conversations are usually heart conversations.For couples forming blended families, this truth runs even deeper. Life has already taught them that marriage isn't guaranteed, whether because of death or a divorce. That experience creates an understandable sense of caution: How deeply do I invest again? Can I trust this new relationship?Money becomes the testing ground for those questions. That's why avoiding financial conversations doesn't protect your relationship—it weakens it. Only about one in four dating or engaged couples forming a blended family ever have a serious talk about finances before they marry. The rest often underestimate what needs to be uncovered.Finances are never just about dollars and cents. They're about values, power, and security. Beneath a discussion about budgets might be an unspoken fear: Will your children be treated equally with mine? Beneath a talk about wills might be a hidden worry: Will you care for my kids if I'm gone?There was once a woman who had been remarried for 25 years—two and a half decades of life together—and she still wondered whether her husband would provide equally for her children after she passed away. The question had never been resolved. It lingered from the past, quietly shaping their relationship.When those unspoken fears remain unaddressed, they create invisible walls. Healthy couples have the courage to name them and work through them together.The Challenge of Inheritance and TrustConsider the story of Sandra and Dave, a couple who married later in life. Sandra, a divorced mother of two adult children, was asked by her new husband, Dave, to change her will and make him her sole beneficiary. To Dave, who had no children of his own, the request seemed simple and loving: We're one now—just leave everything to me, and I'll take care of your family.But Sandra hesitated. Her adult children hadn't had time to form a close bond with Dave. For her, the request stirred deep questions: How do I know that what she's set aside for her children will be honored after she's gone?This is where trust, loyalty, and belonging intersect. Financial peace in a blended family isn't achieved through documents—it's achieved through relational clarity. You can't solve financial questions until you've addressed the relational ones.Moving from Prenuptial to TogethernessSo what's the alternative? In the book, The Smart Stepfamily Guide to Financial Planning: Money Management Before and After You Blend a Family, Ron Deal, Greg Pettis, and David Edwards, introduce what they call a “Togetherness Agreement.”Think of it as a redeemed version of a prenuptial agreement. A traditional prenup is something you do to your spouse—it outlines what they won't receive if the marriage fails. But a Togetherness Agreement is something you do for your spouse. It outlines how you will lovingly and intentionally provide for one another and your families.In a Togetherness Agreement, couples prayerfully decide together:How do they care for children from prior relationshipsHow inherited or premarital assets will be handledHow responsibilities to other households or parents will be honoredAnd how they'll support one another financially in love and unityIt's not about dividing assets—it's about uniting hearts. This process builds emotional safety, which in turn builds trust. When couples feel safe, they can finally exhale, knowing they are truly invested in each other.Taking Inventory—Emotionally and FinanciallyBefore crafting any agreement, couples need to take inventory. That means both emotional and financial reflection.Ask questions like:What financial baggage or debts are we bringing in?What past wounds or fears still shape the way we view money?What are our goals—for our family, our faith, and our future?Blended families are always born out of loss—whether death, divorce, or something else. That history doesn't have to define the new relationship, but it does need to be acknowledged. Honest reflection helps couples avoid repeating old patterns and build a healthier foundation together.Every couple's situation is different, but here are key topics that should be covered in a Togetherness Agreement:Joint and separate accountsDebt and financial obligations from prior marriagesChild or spousal support payments to other householdsRetirement, insurance, and investmentsCollege, cars, and other child-related expensesCovering these topics doesn't weaken love—it strengthens it. It replaces assumptions with clarity and fear with peace.If all of this feels overwhelming, take heart. You don't have to figure it out alone. Seek wise counsel—a trusted financial planner, pastor, or Certified Kingdom Advisor (CKA) can help you find creative and God-honoring ways to care for your family.And above all, remember this: God's grace is sufficient for your blended family. Submit your plans to Him. Let Him guide the process. As you do, He will grow you—not only in financial wisdom, but in love, unity, and faith.When couples move from mine and yours to ours, they begin to reflect the very heart of God, who makes two one, and who calls us to love generously, even in the way we handle money.On Today's Program, Rob Answers Listener Questions:I've been struggling with $26,000 in credit card debt that I recently disclosed to my husband. A credit consolidation company says they can negotiate it down, so I'd pay $400 every two weeks and be debt-free in four years. It sounds good, but is this a trustworthy option—or are there drawbacks I should watch out for?I have UTMA accounts for my two sons, but I am considering switching to 529 plans. I'm mainly concerned that with the UTMA, they'll gain full control of the money once they come of age. Would a 529 plan be a wiser choice?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)The Smart Stepfamily Guide to Financial Planning: Money Management Before and After You Blend a Family by Ron L. Deal. Greg S. Pettys and David O. EdwardsChristian Credit CounselorsWisdom 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)FaithFi App Remember, you can call in to ask your questions every workday 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.

In this episode of Beer and Money, Ryan Burklo discusses the essential rules and obligations associated with inheriting an IRA. He explains the importance of understanding required minimum distributions (RMDs), the tax implications of withdrawals, and the necessary steps to set up an inherited IRA correctly. The conversation emphasizes the need for strategic financial planning and coordination with tax professionals to ensure compliance and optimize tax outcomes. Check out our website:  beerandmoney.net Find us on YouTube: https://www.youtube.com/@beerandmoney Subscribe to our newsletter: https://www.quantifiedfinancial.com/subscribe-now Check out our Instagram: https://www.instagram.com/ryanburklofinance?igsh=ZTJzN3Jnajd5M2Mw For a quick assessment of your current financial life go to: https://www.livingbalancesheet.com/lbsVision/lite/RyanBurklo RMD website Ryan mentions: https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-beneficiary #InheritedIRA #RMD #taximplications #financialplanning #beneficiaryIRA #retirementaccounts #estateplanning #taxstrategy #financialadvice #IRArules   Takeaways Inheriting an IRA means dealing with tax obligations. Required Minimum Distributions (RMDs) must be understood and managed. If the deceased did not take their RMD, beneficiaries must ensure it is taken. Beneficiaries have a 10-year window to distribute the inherited IRA funds. Retitling the IRA to an inherited IRA is crucial. Withdrawals from an inherited IRA are taxable as ordinary income. Coordination with a CPA is essential for tax strategy. Each RMD impacts the beneficiary's tax bracket. Setting a schedule for RMDs helps in financial planning. Understanding where to allocate the withdrawn funds is important. Chapters 00:00 Understanding Inherited IRAs 03:00 Key Rules for Distributions 05:49 Setting Up Your Inherited IRA

Welcome to this week's Dollars & Sense episode with Joel Garris! Are you wondering if you should rent or buy in today's crazy market? Or how AI is really reshaping the economy—and maybe even your job? In this video, Joel breaks down the biggest financial trends of the moment and gives you the tools to make smarter money moves. First up, Joel uncovers why corporate earnings are smashing expectations and how Amazon's massive AI push could change the workforce as we know it. Is the AI hype the next tech bubble? Find out what you should be watching out for in your investment portfolio today! Then, we jump into the “Rent vs. Buy” debate. With homeownership at historic lows for young people and investing on the rise, Joel explains the pros and cons, the real numbers, and the emotional side of these decisions. Are you better off staying a renter and investing the difference, or does owning your home still build the most wealth? Tune in for the surprising truths—and what most people are getting wrong. Want actionable tips, expert insights, and honest answers to your biggest money questions? Watch now and get ahead of the curve! Don't forget to like, subscribe, and hit the bell so you never miss an episode of Dollars & Sense! 

DEAR PAO: Person who secures life insurance policy on his/her own life may designate anyone as beneficiary | Nov. 8, 2025Subscribe to The Manila Times Channel - https://tmt.ph/YTSubscribe Visit our website at https://www.manilatimes.net Follow us: Facebook - https://tmt.ph/facebook Instagram - https://tmt.ph/instagram Twitter - https://tmt.ph/twitter DailyMotion - https://tmt.ph/dailymotion Subscribe to our Digital Edition - https://tmt.ph/digital Check out our Podcasts: Spotify - https://tmt.ph/spotify Apple Podcasts - https://tmt.ph/applepodcasts Amazon Music - https://tmt.ph/amazonmusic Deezer: https://tmt.ph/deezer Stitcher: https://tmt.ph/stitcherTune In: https://tmt.ph/tunein#TheManilaTimes#KeepUpWithTheTimes Hosted on Acast. See acast.com/privacy for more information.

CMS plans to simplify prior authorization for Medicare beneficiaries beginning in 2026. Listen to learn more about changes coming to Medicare Advantage and Original Medicare!   Read the text version  

On today's episode of Stoned Appetit presented by Meraki Cannabis & NOBO Dispensaries we are talking about local community rallying around one another to help when the government wont... as well as some more lighthearted conversations & thoughts from the Michelin Guide's first ceremony in the South. Recap our High West Oyster Fest showingSNAP Benefits halt, so the community steps upMichelin Guide hits home (The South)Weekend Recap/Food Poisoning Scenario of 2025Fuck The Time Change.Become a supporter of this podcast: https://www.spreaker.com/podcast/stoned-appetit--3077842/support.

Retirement planning is an ever-evolving process, and staying informed about changes to Social Security, Medicare, and tax limits is crucial to making the most of your golden years. On this episode of Retire with Ryan, I'm sharing important updates on the 2026 Social Security cost of living adjustment (COLA), projected changes to Medicare Part B premiums, and strategies for managing income in retirement.  The newly announced cost-of-living adjustment (COLA) for 2026 will see benefit checks rise by 2.8%. I break down how the yearly adjustments are calculated, why they matter for seniors, and the impact of inflation on Social Security. I also discuss the expected jump in Medicare Part B premiums, what IRMAA means for higher-income retirees, and important changes to the Social Security wage base and retirement earnings limits.  Whether you're thinking about when to start your benefits or you want to strategize your retirement income, this episode will give you practical tips and resources to help you make the most of your retirement planning.  You will want to hear this episode if you are interested in... [00:00] Social Security cost-of-living adjustment (COLA). [02:54] COLA trends and historical adjustments. [04:48] Social Security benefit updates. [10:56] Social Security earnings limit explained. [11:56] Social Security and Medicare updates. What to Expect from Social Security COLA for 2026 After a brief delay caused by a government shutdown, the Social Security Administration (SSA) announced that benefit checks will rise by 2.8% beginning January 2026. This increase is slightly higher than last year's 2.5% and a bit less than the 2024 bump of 3.2%. While not the largest adjustment in history, any increase helps seniors keep pace with the rising costs of essentials like groceries, taxes, and insurance. How is COLA Calculated? SSA bases COLA changes on the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W), specifically by comparing the average index for each month in the third quarter of one year to the same period in the previous year. Since 1972, this approach has pegged benefit adjustments to actual inflation, providing a more predictable and timely increase for beneficiaries. Beneficiaries will receive details about their new benefit amounts in early December. Medicare Part B Premiums The base premium for Medicare Part B is predicted to rise from $185 to approximately $206.50 per month in 2026, a significant increase of roughly 11.6%. Final figures will be released later, but even preliminary estimates suggest a noticeable impact, especially for fixed-income retirees. Income Related Monthly Adjustment Amount (IRMAA) may add further costs to your Medicare premiums if your income exceeds certain thresholds. For 2026, your IRMAA status will be determined by your 2024 tax return, due to a two-year lag in income reporting. Higher earners could see premiums up to $443.90 per month, so it's critical to strategize IRA distributions and capital gains to avoid unnecessary surcharges. If your financial situation changes, such as a recent retirement, you may appeal IRMAA charges using Form SSA-44. Ryan Morrissey recommends reviewing prior episodes and his blog for more on appealing IRMAA. Social Security Taxes and Retirement Income Limits The maximum wage base for Social Security taxes will jump to $184,500 in 2026 (up from $176,100), meaning any income above this threshold won't be subject to Social Security tax.  Retirees collecting Social Security before full retirement age must monitor their earned income. For 2026, the limit rises to $24,480. Earnings above this cut-off will reduce your Social Security benefit by $1 for every $2 earned. Once you reach your full retirement year, the earnings limit increases sharply to $65,160, and after your birthday, there's no limit. The latest updates to Social Security and Medicare reflect ongoing efforts to help retirees keep pace with inflation and evolving economic conditions. Successful retirement isn't just about knowing the numbers, it's about strategizing your income to minimize taxes, avoid excess premiums, and maximize your benefits.  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

Scott Walter, author of Arabella: The Dark Money Network of Leftist Billionaires Secretly Transforming America, joins the show to expose the opaque funding networks reshaping U.S. policy — plus a new report revealing billions flowing into the “homeless industrial complex.” We'll also dig into recent SNAP data requests, Social Security number concerns, the federal government shutdown politics, and international religious persecution. Tough questions, clear answers, and what it means for taxpayers. https://www.dailysignal.com/2025/10/23/report-homeless-industrial-complex-demonizes-policies-most-likely-actually-help-homeless/ https://capitalresearch.org/app/uploads/Infiltrated-Report-1.pdf https://a.co/d/2vdRbOa Join Me On Telegram https://t.me/theambermayshow Podcast Like A PRO https://podcast-like-a-pro.trainercentralsite.com Promocode Amber Discord https://discord.gg/kUsDba4zRj https://discord.com/channels/1331829063400034435/1331829063869792308 The Amber May Show Theme Song https://suno.com/song/87e27080-4ddb-47f7-8722-b00b251e6c84 Get AMAZING Amber May Merchandise https://www.ambermayshow.com/amazing-products Follow Me on Pickax https://pickax.com/?referralCode=gb4e11n&refSource=copy GLP-1 LifeRX https://liferxmd.everflowclient.io/affiliate/signup/?p=2DGZN931 Get all your My Pillow Products at a DISCOUNT www.mypillow.com/amber Use Promo Code AMBER and save up to 66% off Promo code-AMBER 800-957-2123 Get Ivermectin and hydroxychloroquine and SAVE Dr Stella Immanuel https://shop.drstellamd.com/?linkId=lp_080983&sourceId=amber-may&tenantId=rehoboth-medical-cli Use Promo Code AmberMay and save Become An Affiliate with Dr Stella https://rehoboth-medical-cli.trackdesk.com/sign-up?referralAccountId=1f8c94aa-933e-4aa8-ac5b-5a8d9a0d4508 Save Money When Using A Patient Advocate In The Medical System https://www.graithcare.com/?ref=Amber Take Control of Your Health & Healing! Get the full celebration of solutions that happened at Healing For The A.G.E.S. Over 20 hours of ground-breaking, life-changing, information you've never heard before, and can't get anywhere else! https://healingfortheages.com/ use promocode Amber Patriot Mobile- Free Activation When you become a Patriot Mobile member, your dollars are helping to fund our God-given right to freedom. A portion of every dollar we earn is given back to the causes that support organizations that fight for First Amendment Religious Freedom, Freedom of Speech, Second Amendment Right to Bear Arms, Sanctity of Life, and the needs of our Veterans and First Responders. https://www.patriotmobile.com/amber/ Use Promocode AMBER The Flynn Movie https://www.flynnmovie.com/ref/azladyz/ War On Truth Movie You've been told that J6 was a violent insurrection against the United States by a group of angry, fringe, MAGA supporters… What if it wasn't? What if there really was a War on Truth? https://hisglory.tv/?ref=448 Promocode MAY Patrick Byrne, the founder/CEO of Overstock.com, rose to the height of financial success and was once heralded as a Wall Street prophet. However, in 2019, Byrne seemingly slipped into madness — stepping down from his multi-billion dollar company, claiming to be a covert government asset trapped in a deadly game of political espionage https://enemywithindocuseries.com/ref/amber Promocode AMBER Is it possible with Turbo Cancers on the rise and Big Pharma's reputation at zero, that Americans are finally ready to hear the truth about Cancer? Are you ready? In the 70's a Doctor working for a National Cancer Institute discovered that Apricot seeds, which contain B-17, actually slowed the growth of tumors. https://rncstore.com/ambermay Ensure the health of the indoor air quality in your home investing in good air purifiers to eliminate pollutants and allergens. Find adjunctive therapies to cancer and better health with red light and methylene blue found in the link below! https://airwaterhealing.com/#May Promocode May Supermassive Black Coffee Use Promocode AMBER https://www.supermassiveblackcoffee.com/ The Commander's Artist Save 10% Promo Code Amber https://thecommandersartist.com/shop/ My Gold Guy https://www.mygoldguy.com/amber Hero's Soap Save 10% with Promo Code AmberMay We Are on These Platforms Rumble https://rumble.com/c/TheAmberMayShow Faith N Freedom Network https://faithnfreedom.tv/ Odysee https://odysee.com/@azladyz:c Locals https://theambermayshow.locals.com https://yournews.com/author/amber-may/ Bitchute https://www.bitchute.com/search/?query=azladyz&kind=video Podbean: http://theambermayshow.podbean.com Catch Amber May On UG Media Fridays 10PM (UK Time) 3pm MST/5pm EST https://theug.media/wp-content/ugplayer/xlplayer.html Catch Amber May on Express Radio Station Thursday at 6pm MST/8pm EST https://live365.com/station/Express-Radio-a643 The Vera Radio Network today at 7pm ET www.mikevara.com https://www.mastiff.media/ www.Patriot-Radio.com

Did you know that a trust could be taxed at up to 40%? If your trust isn't set up correctly, you could unintentionally send nearly half your estate to the IRS. That is why in this episode, Micah breaks down how inherited TSPs and IRAs are taxed when a trust is listed as the beneficiary and why so many estate plans fail to consider income taxes, not just estate taxes. https://zurl.co/14gpQ

TheAmer-Indians In this week's episode, Luke travels to the outer reaches of London's underground train network to meet James in Little Chalfont, to explore the places that increasing numbers of South Asian diasporas go when they move on from West London, and how they help transform those places and their cuisines. **Starters** (01.29-12-12) Ahead of their lunch with Vimal Dalal – a production editor on The Migration Menu and a one-time Southallian – James and Luke outline the history of post-World War II settlement in the suburbs and semi-rural towns that surround London. They discuss the appeal of such places – including the lure of selective school education – to those who first travelled from South Asia to London, settling in places like Southall, and the impact of these more recent movements on the suburban culinatry landscape. **Mains** (12:12-25:52) James and Luke meet Vimal outside The Kokum (www.thekokum.co.uk) for a pan-Indian inspired lunch, during which they hear the migration story of Vimal's family, from Gujarat and Tanzania, to Southall in the 1980s and, via Hayes, to Little Chalfont, a village near Amersham, in Buckinghamshire. **Dessert** (25:52-33:05) After lunch chat reflects on how the suburban curry house has been transformed by more recent waves of migration out from the inner cities, which have also expanded the range of South Asian groceries and vegetables available in local shops. New arrivals also find themselves supported by groups like the Amer-Indians, through which social events and business networks are co-ordinated. James and Luke also reflect on how a nostalgic vision of pre-war Britain came to be shared by some members of the South Asian diasporas who came to settle here. **The Menu** Masala Papad Palak Patta Chaat Tandoori Soya Chaap Mumbai Prawns Koliwada Malai Kofta Vegetable Handi Kombdi Rassa Jackfruit Dum Biryani Chilli Garlic Coriander Naan Works Cited: Baumann, Gerd. 1996. Contesting Culture: Discourse of Identity in Multi-Ethnic London. Cambridge University Press. Caplan, Lionel. 1999. “Gifting and receiving: Anglo-Indian Charity and its Beneficiaries in Madras”. In Tradition, Pluralism and Identity: In Honour of T. N. Madan, edited by V. Das, D. Gupta and P. Uberoi, 283­–305. New Delhi: Sage Publications. Hosted on Acast. See acast.com/privacy for more information.

What if the core issue of spiritual burnout isn't what you do, but a fundamental misunderstanding of who you are? What if the anxiety you carry comes from living like a hired hand, desperately working for a status you actually inherited? Paul shows us that when the fullness of time came, God sent His Son to redeem us so we could receive adoption into God's family. We're grateful to have Rev. Dr. Irwyn Ince teach us from Galatians 4:1-7;5:1.

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  

Monday Bible Study for 13th October 2025 by Pastor W.F Kumuyi at the Deeper Life Bible Church, Gbagada, Lagoshttps://dclm.org/sermons/bible-studies/2025-bible-study/the-responsive-ministries-of-the-beneficiaries-of-christ’s-healing/

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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

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.

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.

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).

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.

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