Podcasts about best charities

A recent article warns about how the stock market is turning into a casino for many Americans. If you must trade individual stocks, know the hazards, which include capital gains tax. Also today - It's about to get easier to tell if you are being compensated fairly at work. How new state statutes can work to your advantage. Trading & Betting Addiction: Segment 1 Ask Clark: Segment 2 New Job Listing Laws: Segment 3 Ask Clark: Segment 4 Mentioned on the show: More Men Are Addicted to the ‘Crack Cocaine' of the Stock Market - WSJ How To Open a Roth IRA 5 Steps To Getting a Good Deal on a Hotel Room How Long Should I Save Pictures of My Car Rental? Most Americans Feel Good About Their Job Security but Not Their Pay New laws are coming for job listings. Many employers aren't prepared Credit Card Car Rental Insurance: What You Need To Know Is Chase Sapphire Reserve® Worth It in 2024? Capital One Venture X Rewards Credit Card: 6 Things To Know The Platinum Card® from American Express Review 2024: Is It Worth It? How To Choose the Best Charities for Your Donations Clark.com resources Episode transcripts Community.Clark.com / Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 APELLA WEALTH - Advice For Life Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

In the spirit of Giving Tuesday, nationally syndicated financial columnist and author Terry Savage joins Wendy Snyder, who is filling in for Lisa Dent, to share the best way to give to those in your family in the most fiscally responsible way. Later, Savage shares how to find the charities that puts the donated money to its […]

Over the past 15 years homeowners insurance has become increasingly unstable, expensive and anti-consumer. But with the run-up in home values, many may be seriously underinsured. Clark has direction for home owners to ensure proper coverage. Also today, the giving season requires a warning about charity scams - a real problem. Know how to make sure your charity dollars are used effectively. Update: Homeowners Insurance: Segment 1 Ask Clark: Segment 2 Safe Charitable Giving: Segment 3 Ask Clark: Segment 4 Mentioned on the show: What Is Homeowners Insurance? How Much Homeowners Insurance Do I Need? Homeowners Insurance Archives - Clark Howard What Is a C.L.U.E Report and Its Impact on Your Insurance How Often Should You Re-Shop Insurance? Clark's Take: Should You Invest in Stocks at All? INVEST & RETIRE - Clark How To Choose the Best Charities for Your Donations (Clark.com) Best 2% Cash Back Credit Cards: 9 Options in 2024 Cash Back Credit Card Calculator Tool Should You Buy an Extended Warranty on Your Car? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

There's a lot of talk about living to 100 and beyond these days. Longevity science is a big business, but along with living longer, we need to ensure our financial security. Also, get Clark's take on recent reports concerning potential lengthy power blackouts. Health & Financial Longevity: Segment 1 Ask Clark: Segment 2 Power Grid Blackouts: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Blue Zones: A Blueprint for Adapting Health and Financial Security into Longevity The booming business of eternal youth Vanguard Review: Pros & Cons How To Choose the Best Charities for Your Donations What's the Best Way To Donate to a Charity? Cheap Phone Plans: Get Exactly What You Want at the Cheapest Price [The Washington Post] Where heat waves might cause blackouts: Look up your area This Boston startup created renewable energy storage that's 10 times cheaper than lithium-ion batteries 8 Things To Know Before You Fly Frontier Airlines Stacked vs. Unstacked Auto Insurance: 2024 Guide Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Various devices we use in our lives from alarm systems to fitness trackers - collect personal data. Clark discusses how to balance protecting your privacy with utilizing modern technology. Also today, huge bills that arrive after a hospitalization are often far from accurate. Clark shares strategies for dealing with these, and potentially lowering the costs.  Technology Vs Privacy: Segment 1 Ask Clark: Segment 2 Medical Bills: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Do you really own the digital items you paid for? When companies share your personal information without your permission Why Walmart bought TV-maker Vizio for $2.3 billion - Axios F.S.A. vs. H.S.A.: What to Know About the Accounts That Pay Medical Costs Where Should I Set Up My Health Savings Account (HSA)? Are you confronting a big medical bill? Attack it with a plan — and these tips How to Deal With Medical Debt - Clark.com Can a Patient Advocate Help With Your Medical Bills? Unlimited Plans Comparison: T-Mobile vs. AT&T vs. Verizon Automatic Bill Pay: How It Works and How To Do It Safely My Cable Company Is Raising Prices Unless I Enroll in Auto-Pay. Is It Safe? Airlines you can book using Avios: How to maximize your points Point.me /// Going™ | Formerly Scott's Cheap Flights How To Choose the Best Charities for Your Donations Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode - did you hear about the T-Mobile customer who received a six figure bill for an international trip? Get Clark smart advice for traveling overseas with your phone. Also today - there's a new warning out about a scam trying to collect money from you from phantom tolls. International Calling: Segment 1 Ask Clark: Segment 2 Toll Collection Scam Warning: Segment 3 Ask Clark: Segment 4 Mentioned on the show: PhoneArena: This T-Mobile customer got a $143442.74 bill after a three-week Switzerland vacation The Best International Phone Plans Google Fi Wireless: My Experience as a Five-Year Customer (Pros and Cons) Hello Mobile How To Choose the Best Charities for Your Donations What's the Best Way To Donate to a Charity? Alert: FBI issues warning on toll road smishing scam USA TODAY: Road toll 'smishing' texts on the rise, FBI says: Here's what to know E-ZPass Group - Home T-Mobile 5G Home Internet: 5 Things To Know Before You Sign Up How To Prevent, Report and Repair Identity Theft Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

During COVID, many Americans moved far away from their offices, sometimes out of state. Clark talks about how super-commuters are making it work. Also, Clark gets back to basics on something he hates: annuities. Know which type may actually be useful and which ones are to be AVOIDED at all costs!  Super-Commuting: Segment 1 Ask Clark: Segment 2 Sold Not Bought - Annuities: Segment 3 Ask Clark: Segment 4 Mentioned on the show: The rise of the super-commuter The Best Unlimited Hotspot Plans Visible Announces New Annual Plans: Save up to $145/Year Visible Review: 5 Things To Know Before You Sign Up Using Cellular Data Internationally: Buying a Local SIM Card InsureMyTrip Review: Why We Like It and How to Use It How To Choose the Best Charities for Your Donations What Is an Annuity, and Why Does Clark Think They Stink? The Only Two Exceptions to Clark Howard's Annuity Rule What Is a 1035 Exchange? Definition and How the Rules Work Why I Think Medicare Advantage Plans Stink - Clark Howard Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Often at checkouts, we're asked to donate to a cause by rounding up our payment or contributing one dollar. How do you decide when to give? Also, as a result of giant hospital systems buying up practices, you may be charged a significant “facility fee” at doctors appointments. Be ready by asking the right question in advance. Plus, out-of-network charges are being manipulated by private equity, costing patients more. Checkout Charity: Segment 1 Ask Clark: Segment 2 Medical Facility Fees: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How To Choose the Best Charities for Your Donations What's the Best Way To Donate to a Charity? That spare change you donate at checkout is adding up to millions for charities A Simple Trick To Paying Off Your Credit Card Faster How To Open a Roth IRA This Small U.S. City Was Just Named the Best Place to Retire With No Savings. The Best Places to Retire in the World Hospitals Are Adding Billions in ‘Facility' Fees for Routine Care - The WSJ NYTimes: In Battle Over Health Care Costs, Private Equity Plays Both Sides NYTimes: Health Insurers' Lucrative, Little-Known Alliance: 5 Takeaways NYTimes: Insurers Reap Hidden Fees by Slashing Payments. You May Get the Bill. What Is a Backdoor Roth IRA? CarEdge | Buy, Sell, and Protect New & Used Cars - CarEdge Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

The Season of Giving means donation requests coming from all sides. Clark helps you tell the legit charities from the crooks. Also, you may have noticed that affordable furniture often is not made to last these days. Some items are basically disposable. Get Clark's take on how to find quality furniture for low prices. Wise Charitable Giving: Segment 1 Ask Clark: Segment 2 On Furniture: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How to make sure your donations count when weather disasters strike Clark.com How To Choose the Best Charities for Your Donations Clark.com - Car Rentals Best Investment Companies for Investors in 2023 [The Washington Post] Why furniture got so bad How To Freeze Your Credit With Experian, Equifax and TransUnion Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Sponsor Link: Raisin Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome to The Nonlinear Library, where we use Text-to-Speech software to convert the best writing from the Rationalist and EA communities into audio. This is: How effective are the "Best Charities by Cause" organizations recommended by Charity Navigator?, published by Max Pietsch on February 10, 2023 on The Effective Altruism Forum. After acquiring Impact Matters, Charity Navigator now includes impact as a criteria for the charities they recommend here. Charity Navigator's criteria for recommending these charities is less clear than for instance GiveWell's criteria, so I'm unsure of how effective these organizations truly are. Any insight is appreciated. Thanks for listening. To help us out with The Nonlinear Library or to learn more, please visit nonlinear.org.

Welcome to The Nonlinear Library, where we use Text-to-Speech software to convert the best writing from the Rationalist and EA communities into audio. This is: What are the best charities to donate to in 2022?, published by Luke Freeman on December 26, 2022 on The Effective Altruism Forum. This is a linkpost for GWWC's latest giving recommendations... and also a reminder to donate or pledge before the end of 2022! When you care about making a difference in the world, it's natural to ask: "Where can my donations do the most good?" The great news is that your donations can have an astonishing impact. But to maximise your impact you need to donate effectively. This is especially important given the best charities are often 10 times better than a typical charity within the same area and hundreds of times better than poorly performing charities. The worst charities can even do harm. That means if you donated $100 to the best charity, you could be doing even more good than someone who donates $1,000 to a typical charity, or $10,000 to a poorly performing one. How to donate effectively The point of charity is to help others. Donating effectively means that you're taking steps to make sure you're helping others the most for every dollar you give.We think the best way to do this is to: Identify a promising cause to support. The most promising causes are generally: Large in scale: they significantly impact many lives Neglected: they still need more funding and support Tractable: there are clear and practical ways of making progress Choose an excellent fund or charity working on the cause. Indicators of worthwhile organisations include: reliance on evidence, cost-effectiveness, transparency, room for more funding, and a strong track record. We generally recommend giving to expert-managed funds over charities, because they can allocate your donation where and when it is needed most. Pick an efficient way to donate. Try getting your donation matched by your employer or set up a recurring donation. In practice, choosing a cause and evaluating funds and charities can take a lot of time and effort, and many donors aren't able to work it into their busy schedules. To help you get started, we've put together a list of trustworthy, cost-effective funds and charities working on some of the most pressing causes. Our effective giving recommendations These recommendations are listed roughly in order of convenience and suitability for most donors. The right giving opportunity for you will depend on your particular values and worldview. Donate to expert-managed funds For most people, we recommend donating through an expert-led fund that is focused on effectiveness. Funds are both convenient and highly effective. They allow donors to pool their money so that they can support outstanding giving opportunities that are evaluated by expert grantmakers and trusted charity evaluators. This approach is similar to using an investment fund instead of trying to pick which individual stocks will be the best investments. The fund distributes your donation among multiple grantees with the goal of maximising your overall impact. Read more about the advantages of funds. Donors from the US, UK, and the Netherlands can make tax-deductible donations to the following funds using the Giving What We Can donation platform. For other countries, you can read our tax deductibility guide by country — but we still think these funds are likely to be your best option, even if they're not tax deductible. Here are our top-rated funds grouped by cause area. Learn more about how we choose which charities and funds to recommend. Top-rated funds improving human wellbeing These funds generally give to organisations taking evidence-based approaches to improve and save lives of people currently alive. Donors who value their donations going to organisations either with a strong track-record or a promising and testable new approach to help people in the current generation can maximise the...

This week's episode is a deep dive into the second half of 2022. Hosts talk about the highs and lows of the year. Touching on global events, pop culture moments and personal stories. A must listen because we all know this year has been a doozy.Plugs of the WeekThe Book of Joy: LASTING HAPPINESS IN A CHANGING WORLD By Dalai Lama, Desmond Tutu and Douglas Carlton AbramsThierry Mugler: Couturissime November 18, 2022–May 7, 2023 at Brooklyn Museum13 Best Charities for Supporting Ukraine (Complete 2022 List)How to help Iranian women and girls amid ongoing protests9 Best Charities for LGBTQ+ Rights (Complete 2022 List)SocialsIG: @thanks4urconcern @berenicediazm @ellaltudorTikTok: @thanks4yourconcern @berenicediazm @ellaltudor

This week's episode is a deep dive into the first half of 2022. Hosts talk about the highs and lows of the year. Touching on global events, pop culture moments and personal stories. A must listen because we all know this year has been a doozy.Plugs of the WeekThe Book of Joy: LASTING HAPPINESS IN A CHANGING WORLD By Dalai Lama, Desmond Tutu and Douglas Carlton AbramsThierry Mugler: Couturissime November 18, 2022–May 7, 2023 at Brooklyn Museum13 Best Charities for Supporting Ukraine (Complete 2022 List)How to help Iranian women and girls amid ongoing protests9 Best Charities for LGBTQ+ Rights (Complete 2022 List)SocialsIG: @thanks4urconcern @berenicediazm @ellaltudorTikTok: @thanks4yourconcern @berenicediazm @ellaltudor

It's that time of year - charity solicitations. But there are fake charities vying for our hard earned dollars and targeting our senior loved ones. Clark has some important guidelines for legitimate charitable giving. Also. we live in an era of surveillance. Our life online can be tracked and sold for profit, but WE don't get paid. Yet, that option isn't new and has resurfaced. Worth it? Clark explores privacy and consumer choice.  Legit Charitable Giving: Segment 1 Ask Clark: Segment 2 Online Tracking & Privacy Choice: Segment 3 Ask Clark: Segment 4 Mentioned on the show: NYTimes: 76 Fake Charities Shared a Mailbox. The I.R.S. Kept Approving More. How To Choose the Best Charities for Your Donations Is There a Safe Way To Invest in Real Estate? WSJ.com: Startups Offer to Pay Consumers for Permission to Track Them Online What Is a C.L.U.E Report and Its Impact on Your Insurance Why I Think Medicare Advantage Plans Stink - Clark Howard Health Insurance Guide   -   Pitfalls of Medicare Advantage Plans - Investopedia What Is a Secured Credit Card and How Does It Work? Petal Card Review: A Good Option for First Credit Card? Best Secured Credit Cards: Top Picks for Building or Repairing Credit Finance Guide for Formerly Incarcerated People - MoneyGeek Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, Airbnb is a great concept - subject to problematic execution. Learn what potential problems await both guests and hosts and how to prepare.  Clark Stinks: Segments 1 & 2 Airbnb: Opportunity & Hazard: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Why You Should Never Invest With a Bank What Is a Fiduciary Financial Advisor and Do I Need One? 3 Places You Should Never Invest Your Money Best Investment Companies for Investors in 2022 8 Things To Know Before Your First Trip to Aldi Resort Pass Best Free Password Managers: 7 Top Picks Netflix on Us: We Offer this Streaming Deal with Your Plan Charity Navigator - How To Choose the Best Charities for Your Donations Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark offers legitimate resources for assisting Ukraine and discusses the economic impact. Also, current new & used car pricing info and buying strategies. With the spring car buying season coming and continued high vehicle prices, enter the new Consumer Reports reliability ratings.  Ukraine: Donation Guidance and Economic Impact: Segment 1 Ask Clark: Segment 2 Update: Vehicle Pricing & Purchasing: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How To Choose the Best Charities for Your Donations What does Ukraine invasion mean for energy bills? Car Prices Above MSRP Reflect Price Gouging Rather Than Inflation NYTimes.com: As Automakers Add Technology to Cars, Software Bugs Follow How to Sell Your Car in 5 Steps How to Buy a New Car in 5 Steps New Report: Top Vehicles Most Likely To Last 200,000 Miles Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

The story on gas prices - pandemic to now - explains where we are and where prices at the pump are going. There IS a bright spot on the energy front. Also, there's been an increase in automotive fatalities in the U.S. This, along with the car shortage, is impacting auto insurers, increasing their costs. Brace for your policy renewal and use Clark's recommended strategy.  Update: Gas Prices: Segment 1 Ask Clark: Segment 2 Sticker Shock: Auto Insurance Recommendation: Segment 3 Ask Clark: Segment 4   Mentioned on the show: 5 Things To Know About Series I Savings Bonds Best 529 College Savings Plans By State What Is a Credit Union? To sell antique items, seek out local estate sale businesses / Ebay How To Spot, Avoid, and Report Fake Check Scams | FTC How To Choose the Best Charities for Your Donations Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. / Clark gives the cell phone forecast AND a great deal from Boost Mobile. Also, what to know about January clearance sales.  Clark Stinks and Ask Clark topics include: How To Choose the Best Charities for Your Donations - Clark Howard / Warning: Watch Out for This Retailer Pricing Trick - Clark Howard Want more money advice? Sign up for Clark's free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, Shannon shares her motherhood story. She shares her traumatic entrance into motherhood and describes how she was missing a tribe of mamas that she thought would come afterwards. After Shannon had her second child, she realized that the village of mamas were not coming to find her, so she would have to create it. She wanted to change the way motherhood looked. She talks about the day that everything changed and "Mamas for Mamas'' was born. What originally started out as a small Facebook group has evolved to 62 chapters of "Mamas for Mamas" spread across Canada. Shannon's philosophy is to build longer tables rather than higher fences. She says as far as she can tell, it takes the same amount of wood and effort, however, the outcome is drastically different.Shannon Christensen (born Kimmitt) was born and raised in Kelowna, BC and lives here with her husband of 16 years and her 2 boys. With a BA in Psychology and Masters of counselling psychology specializing in forensics, she has a passion for working with marginalized populations and used this drive to start Mamas for Mamas. This grassroots project has since become a national non-profit organization dedicated to reducing the negative impact of poverty on low-income mothers and their families.Shannon has been recognized as a top 40 under 40 recipient, A Woman to Watch, and was a top 3 finalist for Woman of the Year through The City of Kelowna Civic and Community Awards. Most recently she has co-authored a best selling book about motherhood and has brought home the Meritorious Service Medal from the Governor General of Canada for her work with Mamas for Mamas.Shannonreally likes pickles and making the world a better place.Mamas for Mamas WebsiteFollow Mamas for Mamas on InstagramFollow Mamas for Mamas on FacebookFollow Candace on Instagram

Are you receiving the maximum financial benefit from your charitable donations? Are you giving your hard-earned money to the IRS when you could be giving it to charities you're passionate about? The answer to either question could be burning a hole in your wallet. That's why it's important to familiarize yourself with donor-advised funds (DAFs)! Join me as I give an overview of this generosity-focused investment account to help you manage your wealth while making a difference.   You will want to hear this episode if you are interested in... Charitable giving stats you should be aware of [1:19] What is a donor advised fund? [2:31] How do donor advised funds work? [6:45] Making a donor advised fund work for you [9:39]    Understanding donor advised funds Typically, donating to charity is a one-to-one interaction where the donor needs to know which charity they are giving to and the exact amount at the time of the gift. While that is certainly one way to be generous, it may not be the best way. Using a donor-advised fund could be a game-changer for your wealth management. Donating to this type of investment account allows you to designate cash or securities for charitable use at a later date while receiving an immediate tax benefit. Here are the top three donor-advised fund providers:   Fidelity Charitable Fund Minimum fund donation: $5,000 Minimum charitable contribution: $50 Additional contributions: N/A Charles Schwab Charitable Fund Minimum fund donation: $5,000 Minimum charitable contribution: $50 Additional contributions: $500 Vanguard Charitable Fund Minimum fund donation: $25,000 Minimum charitable contribution: $500 Additional contributions: $5,000   Make your donations work for you The 2021 tax year is a great opportunity to start using a donor-advised fund for your charitable contributions. Take advantage of the ability to deduct 100% of your adjusted gross income (AGI) in cash donations before that percentage drops to 60% in 2022. Another benefit of DAFs is the ability to deduct up to 30% of your AGI from donating publicly traded stock, real estate, limited partnership interests, private C-Corp stock and S-Corp stock, and other privately held assets.    When managed correctly, donor-advised funds will offset your tax costs while ensuring that money goes to your favorite 501-C3 charitable causes. It can also be a generosity-building activity for the whole family. Sitting down to decide which causes to donate to can become a yearly tradition that makes the world a better place, even after you're gone. A donor-advised fund may not be the right solution for everyone, but it could help you leave behind a beautiful legacy while taking advantage of tax breaks right now.    Resources Mentioned  Best Charities for 2022 (WalletHub) Is a Donor-Advised Fund Right for You? (Morningstar)  Charity Navigator   Connect With Morrissey Wealth Management  www.MorrisseyWealthManagement.com/contact Subscribe to Retire With Ryan  

There's a new way renters can save for a down payment on a home. Clark shares the pros & cons, and how to make this method work best for you. / A law eliminating oversight of predatory lenders has been overturned. Clark explains the ruling, the state-level significance, and the danger of payday loans. Ask Clark topics include: What Is a 403(b) and How Does It Work? / What Is a Virtual Card Number and How Does It Work? - Sign up for a free trial offer with a stored-value card to avoid unwanted subscriptions. / Shrinkflation:  Warning: Watch Out for This Retailer Pricing Trick / How to Choose the Best Charities for Your Donations - For small charities, search the name of the organization + “IRS filings” / How to Reach a Real Person at AT&T, Xfinity, Cox and More - How to Find the Best Deal on Cheap Internet Service - Cnet - Elon Musk says Starlink will be available worldwide in August / Should You Take Your Pension in a Lump Sum or Monthly Payments? / Gap insurance: What is it and do you need it? Want more money advice? Sign up for Clark's free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

With Kelly Lawson In honour of this completely whacked year (and because it's the holidays) I thought I'd do something a little different for this week's episode. In a year where everything felt like a lot, I thought I'd pare it down. So, there will be no ads, no hook, no music. Just a simple message from me to you. So get cozy, grab a tea or an eggnog and put your feet up for a change. You deserve it. Hoo boy, do you ever. OK, so this crazy year is almost over, and maybe you can't wait to see 2020 in your rearview mirror. My friend, I can totally relate. I am so ready to move on. And yet… let's not be too hasty. I think that even in stressful times – especially in stressful times – we need to take stock. We need to pause and reflect. And so I want you to take this moment to think about all that you’ve accomplished this year.  Now, I'm not talking about epic wins. I'm thinking more about survival skills. And it doesn't need to be about business. Maybe your accomplishment is the times you did something good for yourself, like going for a walk when you felt like you couldn't be trapped in the house another minute. It could be a new piece of software that you mastered as our entire lives moved online. Maybe it's the fact that you kept your business alive during a pandemic. Or that you learned some wonderful new domestic skills, like how to knit or make sourdough or garden. Maybe your biggest accomplishment this year was keeping your family intact through really challenging times. Whatever it is, I want you to hold this accomplishment in your mind for a moment. And if you're struggling to come up with anything, let me help you out because you’re missing the biggest accomplishment of them all: you survived a pandemic. Now, if you're anything like me, your brain probably goes directly to all those things you thought you'd do but didn't. You're seeing your goals list from last January and picturing all the unchecked boxes. I get it, I really do. But this is not productive or even fair to yourself. And so I'm reminding you- as I have to remind myself- that you might not have knocked every item – or even most of the items off of your to-do list. And that is OK. It really is. I want you to give yourself grace and permission to release the unrealized dreams, the unanswered wishes, or the unmet goals. You're here, listening to this. You've tuned into this podcast at least a time or two this year, you managed your life and your bills and your children and you're here to tell the tale and that, my friend is worth celebrating. When I started this podcast back in the spring I knew I wanted the content to be equal parts mindset and action. What I never expected was how deep and impactful the mindset shows would be, when we covered topics like imposter syndrome, scarcity mentality, how to face your biggest fears, how to cope with uncertainty and how to be a good ally. Beyond all the expert advice, the handy tips and tricks, above all else, I know you showed up here because you're working on a dream. That despite everything 2020 has thrown your way you haven't given up. I am proud of you. And I hope you know that you have to keep going. Because, whether you've listened to every episode three times over or just caught the occasional show, you probably know by now my key message is to keep taking imperfect action. Perfect is the enemy of progress. So don’t be afraid to do it wrong. Don’t be afraid of failure. Just make a decision and take an intentional action, no matter how tough things can get. The truth is, even the most successful among us need to show up, and some days it’s gonna feel like squaring a circle, but remember on those days it's just about putting one foot in front of the other. So are there decisions that you are sitting on? Did covid put your life on hold? Does imposter syndrome have you procrastinating? If you answered yes to any of these questions, I want you to close out this year by making a commitment to yourself to keep going. I want you to proceed by promising to make a decision and take an action even when things get tough. This is how you grow. This is how you progress no matter what gets thrown your way. This is how we come out of 2020 on top. Stronger. More confident. More resilient. This is how we salvage goodness from this year that was often, frankly, pretty shitty. I won’t sugar coat that. When March happened and everything went into lockdown, including my business and all my revenues, I was not, ah, taking it in stride. After years of building my business from the ground up, suddenly it felt like I was back at square one. And I gotta tell you, it was really scary. In a few ways. I was worried about finances, of course, but also just wondering if and how I'd ever bounce back, or if my clients would return. Honestly, I went into a pretty big panic spiral. And that scarcity mentality that I had been working so hard to overcome, came barging back in. And you know what happened? I made mistakes, I said yes to things that I would have otherwise said no to. I dropped balls. I lost my focus. I behaved like a human under stress does. Imagine that! But it wasn't all bad. Not at all. Afterall, this podcast was born. I reached you. Our perspectives shifted and we grew together. And in hindsight, there isn't one single thing that I regret about that. And now, as we enter into the holiday season with all this growth and new perspective, I think there's beauty in that. We might not all be physically sitting at the same table this holiday season, but let's use whatever energy we have toward a different kind of holiday, to channel the quote-unquote real meaning of Christmas, to take the opportunity to ground or centre ourselves. As a non-religio, Christmas to me means a time to collectively put away all our differences, our work, our stresses, our judgements for just a day (and a night, let’s not underrate Xmas eve) and “be together.” This year, that togetherness feels more important, but also more challenging than ever. I mean, you know this, it's a reality we are all living. And while being together in the same room isn't possible, I think the feeling of togetherness is. So let's be creative and big-spirited about what that means this year. Let's give ourselves and each other permission to do things differently this year. To find joy in connecting with those you love however you can, safely. I've been jotting down some ideas I have on how to make this holiday feel abundant and fulfilling. I'm happy to share them, and I'd love to hear your plans, too, so be sure to DM me with yours. Ok, so what about doing a virtual holiday dinner or brunch? If you can be together you can still break bread together. Coordinate a time, and put the laptop down on the table and Zoom it up. Heck, leave it on all day if you just want to have that feeling of ‘being together.' Put your father in law in the washroom for 45 minutes for added effect Or is that just my family? Ah, gotta love em. Here's a mindset one: Look for the silver linings. I mean, if nothing else, this dumpster fire year is the perfect opportunity to reinvent the holidays. For me, that means dropping the spending and picking up the connecting. So, If you have the means to do so, consider giving to those who don’t have the basics instead of beefing up what’s under your own tree. Consider donating to your favourite charities. If you have school-aged kids, reach out to their schools to see if there are families in your community in need. Remember, this year was reeeally hard for you, but it was probably much harder for someone else. It's our duty as humans to look after one another. I know you'll agree. I will link some of my favourite charities in the show notes to make this easy for you. But I know you probably already have a plan to give back up your sleeve, and that is why I love you so much. Finally, I'd like to say thank you for being a loyal listener. While looking for highlights from 2020, and I know it might feel like you need to dig deep, don’t forget to add this podcast to your list. If it wasn’t for 2020, I wouldn’t be speaking these words into your earbuds right now and if this is the only good thing that has come of 2020, that's definitely good enough for me right now. So thank you, dear listeners. Wishing every single one of you a wonderful holiday. I can't wait to meet you back here the first Monday of 2021. Some great charities if you are drawing a blank: First Steps Coverdale Center for Women Canada’s Best Charities 2020 -MacLean’s

2020 has been a difficult year. And right now, you might just want it to end. But before you enjoy your festive feast, take a moment to think about those less fortunate. In fact, because so many people are struggling due to COVID-19, this episode features great initiatives that could use your support, as well as two gifts to say thank you! (Detailed show notes are available exclusively at www.capetowntravel.guide.)

In this episode...Tyler and Mike go sans guest and kick around all kinds of things. Part old man venting, part checking in and holding each other accountable, this week's episode is like RMIT Unplugged with the guys going unscripted and letting their hair down. Topics include:Tyler getting his first prescription reading glassesMike considers one of the eternal questions of the soul..."Am I too old to play in the Turkey Bowl?"Turkey Bowl breakdownLosing legendary status right in front of your kidCelebrations and gratitude shout outsImportance of kindness Show NotesWho said it...RMIT Mission Statement: We believe that there are powerful lessons in the lives of others and we find joy in discovering these moments. Our relationships with our guests are everything and are forged through a commitment to curiosity, understanding, and listening. Humility and compassion mark our journey together. Through authentic and vulnerable sharing, we unveil the richness of a life well lived in the middle of the hard things we experience. We honor these “rich men” as our heroes and their stories are gifts. We receive them with gratitude and grace and do all that we can to share these gifts with the world, with the hope of lifting ourselves and others to a better place.References...ShureBlue SnowballBuzzsproutPhillip RiversJason WittenTom ArnoldRyan Tedder-Lead singer of One RepublicMacklemoreNational Suicide Prevention Lifeline is 1-800-273-8255Crisis Text Line-text at 741741 (24/7)Best Charities to Donate (various causes)WarriorPsst...Check out our website or visit us on our Facebook and Instagram platforms.Mike and Tyler are both members of The Church of Jesus Christ of Latter-Day Saints. If you would like to learn more about the Church or their beliefs, we invite you to check it out by clicking here.

Catch this interview, pun intended! 14 years of professional baseball, his life after baseball and his new CD! In April of 1983 my Grandpa Ripma to me to an Indianapolis Indians game, the Indians were playing the Evansville Triplets and I watched Bill Nahorodny hit a Grand Slam Home Run for the Triplets that evening. I've been a friend of his on social media for the last 5 years and thought it was time for an interview! This is my fourth baseball interview, I'm mainly a basketball guy as you all know. This was a fun interview of someone who had a dedicated passion for playing the game of baseball! Great Stories of breaking up Steve Carltons no hitter, his first hit as a pro and when he found his baseball card in K-Mart. Great guy, humble and is a musician also. Bill has a new CD out, "The Ball Yard" They are on sale now! Every album in his first batch will be signed as a collectors album. The album "At the Ball Yard" will be priced at $25. Buy four as gifts and they'll throw in a fifth for free..plus free shipping! Get them now, before the first round sells out. You can send check or money order to:Gayle Nahorondy:5568 W. Grovepark Road, Dunnellon Florida...34433, its a two CD set, the first being his music all about baseball and the 2nd CD is filled with batting tips and a lot of baseball story telling as you've heard on our interview! Most of the proceeds will be donated to Best Charities helping to pay for education and tuitions.

Tiffany Horsely is a Kansas nurse, mom of three, and she has no shame about sharing that her ex husband molested and raped for more than four years their oldest daughter, Robyn. At age 17, depressed and despondent, Robyn found the courage to tell her friend, and eventually her mom, and the police the truth. Together they went through the horror that sexual assault trials are known to be, the loss of a father, and marriage, and pushed forward through grief and on to healing. What's more, soon after the ordeal, Robyn turned to social media to publicaly share her story, with her mom at her side. By owning her truth, she freed herself — and others — from the shame of secrets. What is special about Robyn and Tiffany is that they are funny. Without diminishing the gravity of the trauma of their history, they have found ways to laugh at themselves and life — snapping a selfie from the back of the patrol car as they were escorted to the police station to file a rape report, Tiffany joking that she does pay alimony to her incarcerated ex — by way of taxes. The Crimes Against Children Research Center reports: 1 in 5 girls, and 1 in 20 boys is a victim of child sexual abuse 20% of adult women and 5 to 10% of adult men remeMber a childhood sexual assault or sexual abuse incident During a one-year period in the U.S., 16% of youth ages 14 to 17 had been sexually victimized Over the course of their lifetime, 28% of U.S. youth were sexually victimized A National Institute of Justice report found that 3 out of 4 adolescents who had been sexually assaulted were victimized by someone they knew well. A Bureau of Justice Statistics report shows 1.6 % of children between the ages of 12 and 17 were victims of rape/sexual assault.   What to do if you or someone you know is a rape, sexual assault or incest victim If you or someone you know is a victim of sexual assault, call 800.656.HOPE (4673) to be connected with a trained staff member from a sexual assault service provider in your area. This is a core service of RAINN (Rape, Abuse & Incest National Network), the nation's largest anti-sexual violence organization and was named one of "America's 100 Best Charities" by Worth magazine. 800.656.HOPE (4673)   If you're not a member of Millionaire Single Moms, my Facebook group for ambitious mothers seeking independence and full lives (no income requirements), please join. Nearly 4,000 women chatting all day about career, money, parenting, dating, sex and living awesome lives. Click here to join.  

For the past several years I've been impressed by the positive attitude, candor and humor from an active member of my Millionaire Single Moms Facebook group. Tiffany Horsely is a Kansas nurse, mom of three, and she has no shame about sharing that her ex husband molested and raped for more than four years their oldest daughter, Robyn. At age 17, depressed and despondent, Robyn found the courage to tell her friend, and eventually her mom, and the police the truth. Together they went through the horror that sexual assault trials are known to be, the loss of a father, and marriage, and pushed forward through grief and on to healing. What's more, soon after the ordeal, Robyn turned to social media to publicaly share her story, with her mom at her side. By owning her truth, she freed herself — and others — from the shame of secrets. What is special about Robyn and Tiffany is that they are funny. Without diminishing the gravity of the trauma of their history, they have found ways to laugh at themselves and life — snapping a selfie from the back of the patrol car as they were escorted to the police station to file a rape report, Tiffany joking that she does pay alimony to her incarcerated ex — by way of taxes. The Crimes Against Children Research Center reports: 1 in 5 girls, and 1 in 20 boys is a victim of child sexual abuse 20% of adult women and 5 to 10% of adult men remeMber a childhood sexual assault or sexual abuse incident During a one-year period in the U.S., 16% of youth ages 14 to 17 had been sexually victimized Over the course of their lifetime, 28% of U.S. youth were sexually victimized A National Institute of Justice report found that 3 out of 4 adolescents who had been sexually assaulted were victimized by someone they knew well. A Bureau of Justice Statistics report shows 1.6 % of children between the ages of 12 and 17 were victims of rape/sexual assault.   What to do if you or someone you know is a rape, sexual assault or incest victim If you or someone you know is a victim of sexual assault, call 800.656.HOPE (4673) to be connected with a trained staff member from a sexual assault service provider in your area. This is a core service of RAINN (Rape, Abuse & Incest National Network), the nation's largest anti-sexual violence organization and was named one of "America's 100 Best Charities" by Worth magazine. 800.656.HOPE (4673)  

Raped by her neighbor at 5 years old, Tina Ayala is a great example of a Survivor. Tina shares her story in hopes of helping others. She is part of the RAINN Speakers Bureau. RAINN: The nation's largest anti-sexual assault organization. One of “America’s 100 Best Charities" —Worth magazine