Podcasts about Biller

A crypto enthusiast once wrote on Reddit, “Bitcoin is like winning the lottery in slow motion.” That might be a stretch, but one thing's clear: Bitcoin and other cryptocurrencies aren't going anywhere. Today, Mark Biller joins us to unpack how crypto is moving into the mainstream and what that means for investors trying to make wise decisions.Mark Biller is Executive Editor and Senior Portfolio Manager at Sound Mind Investing, an underwriter of Faith & Finance.Two Big Takeaways for Crypto InvestorsHere are two key insights to help investors make sense of today's crypto market:Bitcoin Stands Apart – It's critical to understand that Bitcoin is not like the rest of the crypto world. It has emerged as a unique and dominant force, with widespread adoption, while other cryptocurrencies remain highly speculative. Bitcoin Has Reached Critical Mass – Thanks to regulatory shifts and institutional adoption, Bitcoin seems to be here to stay. In just a few years, we've gone from government hostility toward crypto to SEC-approved Bitcoin ETFs and even a pro-crypto administration in the White House.Bitcoin was the original cryptocurrency, launched in 2008, and today it represents about 60% of the entire crypto market. It's gained institutional interest and widespread regulatory acceptance. By contrast, the remaining 40% of the crypto universe is fragmented, filled with thousands of projects, many of which will not survive.Think of most other cryptos not as currencies but as startup tech ventures. That helps frame their high risk and their potential for failure. Bitcoin, meanwhile, has arrived. The rest? They're still trying to prove themselves.Bitcoin as an Investment: What's Changed?Many early Bitcoin advocates hoped it would serve as a usable currency outside of traditional financial systems. But that vision has mostly faded. Today, most investors treat Bitcoin like digital gold—a store of value designed to hedge against inflation and the devaluation of fiat currencies.It's volatile, yes. But its built-in scarcity (only 21 million bitcoins will ever exist) appeals to those who fear government overreach or reckless monetary policy. Bitcoin's not just for tech enthusiasts anymore—it's becoming a strategic asset for serious investors.Generational preferences also shape Bitcoin's rise. Younger investors, raised in a digital world of apps and virtual marketplaces, are far more comfortable with digital assets. What gold has long been to older generations, Bitcoin is becoming to younger ones: a hedge against inflation and a symbol of financial independence.In fact, Bitcoin's correlation with gold has grown significantly in recent years, signaling that institutions are viewing it in similar terms.Institutions and Even Nations Are Paying AttentionIt's not just individuals diving into Bitcoin. Global events—especially the 2022 freezing of Russian reserve assets—have prompted many nations to reassess their reliance on U.S. Treasury bonds. The result? A surge in gold buying by central banks, and increasing openness to alternatives like Bitcoin among private investors.While governments aren't yet buying Bitcoin, there's reasonable evidence to suggest that gold investors are starting to “skate to where the puck is going,” diversifying small portions of their portfolios into Bitcoin as a forward-looking strategy.With that being said, should we be concerned about the global shift away from U.S. treasuries?Not immediately. While a shift away from U.S. Treasuries could eventually raise interest rates and borrowing costs, the dollar still holds dominant status in global transactions. But it's a trend worth watching. It's a slow-motion problem—more of a simmer than a flashpoint.So…Should You Invest in Bitcoin?It depends. Investors with a strong risk tolerance and a positive outlook on gold might allocate a small portion (less than 5%) of their portfolio to Bitcoin or Bitcoin ETF's. The key is position sizing—keeping it small due to Bitcoin's extreme volatility.However, we want to be crystal clear: this only applies to Bitcoin, not to the rest of the crypto space, which still carries a high risk of going to zero.If you're curious to explore more, check out the full article, Bitcoin (& Crypto) Go Mainstream: What You Need To Know, at SoundMindInvesting.org. The SMI team also offers a Bitcoin-inclusive ETF for those looking to dip a toe into this asset class as part of a broader, biblically informed strategy.At the end of the day, financial stewardship isn't about chasing trends—it's about making wise, measured decisions rooted in truth. And with the right knowledge, even complex topics like crypto can be approached with confidence.On Today's Program, Rob Answers Listener Questions:I currently have about $1 million in an active 401(k) with a major financial institution. I'd like to transfer those existing funds to another custodian, where I can earn a guaranteed interest rate. However, I also want to continue contributing to my current 401(k) through my employer, taking on more investment risk with those new contributions. Is that possible?My husband and I live with my father-in-law, and the house needs some repairs. He's offered to loan us the money from his retirement account to cover the costs, but he's asking us to help pay the taxes he would owe on the distribution. Is that a wise arrangement?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Bitcoin (& Crypto) Go Mainstream: What You Need To Know by Mark Biller (Sound Mind Investing Article)Wisdom 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.

Der Daphné Le Sergent hir Thematike sinn déi grouss geopolitesch Froe plus hir Effeten op de mënschleche Kierper. D'Daphné Le Sergent, gebierteg Koreanerin an adoptéiert a Frankräich, ass awer weder Human- nach Naturwëssenschaftlerin, mee Kënschtlerin. An zwar eng, déi mat Hëllef vu mobillen an immobille Biller, reellen a KI-generéierten Opnamen, hybrid Geschichten zu dësem Theema erzielt, fir op eng bannenzeg Zerrapptheet opmierksam ze maachen. Am Espace Cultures vun der Uni um Belval presentéiert si momentan d'Konschtinstallatioun “Silicon islands and war”. D'Kerstin Thalau hat Geleeënheet der Daphné Le Sergent um Belval e puer Froen zu der Aarbecht ze stellen.

Eng Bün, e puer Spotten, Biller a schwaarz-wäiss: Ongewéinlech onspektakulär presentéiert sech de Leadsänger vun der irescher Formatioun U2 an engem Documentaire, deen éischter u gefilmten Theater erënnert.

Een Date bei Käerzeschäin, Rouseblieder um Bett – dat si Biller,déi deene meeschte vun eis an de Kapp kommen, wa mir d'Wuert„Romantik“ héieren. Mä wat ass dat am Fong, romanteschGefiller? An dëser Episod ginn d*e Robin a Kelly där Fro opd'Spuer an entdecken, datt dat guer net esou einfach ass, wéieen*t vläicht denke kéint. Si schwätzen iwwert den Ënnerscheedvu romanteschen zu frëndschaftleche Gefiller, iwwer Romantik alsgesellschaftlecht Konstrukt an doriwwer, wéi cute Gesten eng(romantesch) Bezéiung kënnen definéieren. An der Rubrik schwätzt d'Ella iwwert „Sex Wars“ aus den 1970er-Joren. Shownotes Episod 57 Ech wëll eppes vun dir – mä wat? Episod 121: The One – Gëtt et déi éiwegt Léift? Episod 126: Méi wéi just heiansdo Sex – Demisexualitéit Episod 157: Déi wichtegst Persoun a mengem Liewen? – Hierarchien tëschent Bezéiungen Rubrik zum Mythos Sex Drive Types of attraction Amatonormativiteit Questionable Origins of Love Languages Choosing Therapy zu romantic attraction Bicher: bell hooks: all about love Angela Chen: Ace

Wat sick de Dinkers dacht hebbt Dat is je bilütten interessant, wat över bekannte Lüüd ut de Vergangenheit vertellt ward, ne. To Platon, den oln Philosoph to'n Bispeel, gifft dat allerhand Experten, de bilütten so doht, as harrn se Platon beter kinnt, as he sick sülms. Nu hett Platon je meist all sien Ideen as Dialoge opschreeven. Dor ünnerhölt sick denn twee, dree Lüüd – Sokrates weer dor ook gern mol mang – över de Probleeme, de de Alldag so mit sick bringt, över den Sinn vun't Leven un all sowat. Wenn ick mi dat dörlees' heff ick jümmers dat Geföhl, wat Platon sien Dialoge Satire sünd. Worüm ook ni, bi hüütige Satirikers lacht man je an un för sick ook över philosphische Geschichen, de dostellt, wo verdreiht wi Minschen eegentli sünd. Overs vertellt man dat een, de sick för'n Platon-Spezialist hölt, denn will de een an leevsten direkt dat Fell över de Ohrn trecken. Op ehrn scheun‘ Philosoph lött de Dorsten nix kom. Allns wat Platon schreeven hett is Dooternst. Dor lacht man ni över. So is dat mit annere groote Geisters je ook. Goethe, Schiller, Mozart, Lessing, Dr. Oetker, wat weet ick. Un natüürli sünd se noher all de „Söhns“ vun de Städte ut de se kümmt. Dat Graff is noch gor ni ganz dichtschüffelt, dor ward al 'n schmucke Bronzetofel an't Gebuursthuus nogelt. Mit Bloskapell un Frack un Zylinder. Mennige vun ehr harrn wohrschienli direkt in't Graff roteert. Na jo. De Schriever Theodor Storm hett jedenfalls ook sien Plakette an't Huus kreegen. Kümmt man no't Storm-Huus in Husum, denn ward vertellt, dat Storm in Husum op de Welt kom‘ is un dat he den Schimmelrieder schreeven hett. Is je ook richti. Overs schreeven hett he sien Schimmelrieder even ni in Husum, sünnern in Homaschen (Hanerau-Hademarschen), wonehm he toletzt je to Huus weer. Veellicht wormt dat de Husumer Stormexperten je so'n beten. Denn as de Moler un Bildhauer Jens Rusch ut Brunsbüttel sien Biller to'n Schimmelrieder in Husum utstelln wull, hett he ni mol 'n anstännige Antwoord vun dor kreegen. Tscha, Geschicht‘ is even, wat de dorvun mokt, de dat Seggen hett… In düssen Sinn

What's the real difference between being a high-performing biller and building a recruitment business that thrives without you? In this episode, Katy and Jane discuss the common trap many recruitment business owners fall into — becoming the ‘Chief of Everything'. If you've ever felt like your business depends entirely on your own hustle and you can't step away without everything grinding to a halt, this one will hit close to home. Katy and Jane reflect on their own journeys and share practical, experience-based advice on how to shift from doing to leading. It's not about working harder — it's about working smarter and building something that lasts beyond you. “In order to make the car go faster, you need to make it lighter.” - Katy Green   In this episode, you will: Understand why successful billers often struggle to transition into leadership — and how to overcome the mindset holding you back. Learn how to identify your ‘flow zone' and focus your time on high-value tasks that move the business forward. Discover how to delegate effectively by creating simple, repeatable processes that others can follow. Explore how even small tasks like “buying the milk” add up and cost your business more than you think. Find out how to future-proof your business by building a high-performance team and putting the right systems in place. Tune in to hear how you can break free from the big biller trap, reclaim your time, and scale your business without burning out. Resources Mentioned: FREE Tool: Take Back Your Time Exercise ▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬ Ready to Scale Your Recruitment Business to 7 Figures (and beyond)? Take the first step toward predictable growth with our FREE RESOURCES designed to support recruitment and executive search business owners in building profitable, scalable businesses. Watch Our Free Training: Discover a proven system that can help your team achieve 5, 10, or even 20 extra placements per month, consistently and reliably. Learn how to Attract, Convert, and Deliver high-quality placements over the next 30 days – watch here https://learn.centredexcellence.co.uk/vsl-youtube61658857 Join Our Recruitment Business Accelerator Community: Connect with like-minded Recruitment and Executive Search Business Owners in our exclusive Facebook group. Elevate your skills, gain insights, and learn what it takes to build a 7+ figure recruitment business. Join Here - https://www.facebook.com/groups/526435818123500 ▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬ Want to See How This Could Work for You? Let's chat! Apply for a free consultation to see if and how our strategies can work for your recruitment or executive search business. Provide us with some details about your business, and let's explore how you can achieve sustainable growth. Apply here - https://profitaccelerator.centredexcellence.co.uk/apply?utm_source=podcast  

Hueck, Carsten www.deutschlandfunk.de, Büchermarkt

Hueck, Carsten www.deutschlandfunk.de, Büchermarkt

For the past decade, U.S. stocks have stolen the spotlight. Fueled by the dominance of tech giants and ultra-low interest rates, American equities have outperformed much of the world—leaving many investors to wonder if there's any need to look beyond U.S. borders. But history—and current market conditions—suggest it may be time to take a fresh look at foreign stocks.A recent article from Sound Mind Investing by Mark Biller outlines why international markets could be poised for a resurgence. From valuation gaps and shifting fiscal policy to global capital flows and post-COVID economic trends, several factors are aligning that could make foreign equities an important part of a well-diversified portfolio again.Let's walk through the key highlights and insights from the article—and why this may be a wise moment to think globally in your investment strategy.Mark Biller is Executive Editor and Senior Portfolio Manager at Sound Mind Investing, an underwriter of Faith & Finance. Why Should U.S. Investors Consider Foreign Stocks?1. Diversification and Market DynamicsForeign stocks offer investors the opportunity to diversify—not just by geography but also by market behavior. While U.S. stocks declined by more than 4% in Q1 of this year, a common international fund used by Sound Mind Investing rose by over 8%. That kind of divergence underscores the value of spreading risk across global markets.Two decades ago, having 20% or more of your equity portfolio in international stocks was standard practice. However, as U.S. markets have surged over the last 14 years—outperforming foreign stocks by a factor of four—many investors have pulled back. History, however, suggests the pendulum could be swinging back.2. The Tech Bubble ParallelRemember the late 1990s tech boom? From 1995 to 1999, the S&P 500 rose more than 20% annually, driven largely by internet stocks. Sound familiar?After the dot-com bubble burst in March 2000, U.S. stocks stalled—gaining just 13% over the next 7.5 years. Meanwhile, foreign stocks soared, climbing 69% during that same stretch. Market cycles like this remind us that chasing performance can lead to missed opportunities elsewhere.3. A Price-to-Earnings DisparityCurrently, U.S. stocks trade at a P/E ratio of around 26—well above historical norms. Foreign stocks? Around 16. That's a significant valuation gap. While valuation alone doesn't indicate when markets will shift, it does suggest that the upside potential for international equities is greater—especially if investor sentiment begins to shift.4. Post-COVID Spending and Sector ShiftsCOVID-19 marked the end of a 40-year trend of declining inflation and interest rates. Since then, we've entered a new environment with higher inflation and rising rates—conditions that benefit the more industrial, less tech-heavy composition of many foreign markets.U.S. tech stocks, dominant in low-rate environments, may not fare as well moving forward. Foreign markets, which lean toward traditional sectors, could outperform in this new economic climate.5. Shifting Fiscal PolicyOne potential catalyst for foreign stock performance is shifting government policies. The U.S. has begun cutting back on spending, while other countries—facing rising defense needs and new trade dynamics—are ramping up.Historically, higher government spending boosts economic growth in the short term. If the U.S. tightens its belt while others open their wallets, we may see a reversal in relative market performance.6. The "Sequencing Risk" of Tariff Policies“Sequencing risk” is a dynamic in which the pain of policy changes is felt up front, while the benefits come later. For example, tariffs initially slow economic activity but are implemented in hopes of long-term economic independence and stability.This could reduce U.S. growth projections in the short term as some foreign economies accelerate. This divergence can significantly influence investment returns.7. Follow the MoneyFor decades, the global economy has operated under a system where the U.S. buys, and the rest of the world recycles its earnings back into U.S. assets. This has been a tailwind for U.S. stocks and bonds.But what happens if the U.S. begins importing less? Those recycled dollars may dry up—meaning less foreign investment in U.S. markets and potentially more reinvestment at home, in countries where those goods are produced. That shift could fuel a rally in international markets.8. It's Not Either/Or—It's Both/AndThis isn't about abandoning U.S. stocks. It's about recapturing the value of a globally diversified portfolio. With international stocks looking attractively priced and a number of tailwinds forming, now may be a wise time to add foreign exposure through mutual funds or ETFs.The impact could be substantial if global capital starts flowing back into foreign stocks.If your portfolio has drifted into a U.S.-only approach over the last decade, now may be the time to revisit your strategy. While no one can predict the future, wise stewardship includes preparing for it with thoughtful diversification.For a deeper dive into this topic, you can read Mark Biller's full article, “Time for Foreign Stocks to Shine?” at SoundMindInvesting.org.On Today's Program, Rob Answers Listener Questions:I want to buy an expensive watch. Is this being a bad steward of God's money? Where's the line between treating myself and overspending?I own a condo unit in a homeowners' association that has been assessed $870,000 for a roof replacement. The association claims the original contractor was paid $438,000 and ran away with the money. Are there any government agencies that can investigate this, and what rights do I have?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly MagazineSound Mind Investing | Time for Foreign Stocks to Shine? By Mark Biller Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look 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.

Bei der Klimabeweegung denkt een*t vläicht als éischt u jonk Leit, déi Freides op d’Strooss ginn oder sech op d’Strooss pecht. Zu Lëtzebuerg waren dës zwou Aktiounsformen zwar ni immens staark, mä trotzdeem dominéieren esou Biller den ëffentlechen Discours. Mä et ginn och ganz aner Klimaaktivist*innen, déi och mat anere Methode schaffen. Esou zum Beispill d’Klimasenior*innen, ëm déi et dës Woch am Podcast geet. Engersäits ginn et d’Klimaseniorinnen aus der Schwäiz, déi eng grouss Victoire zu Stroossbuerg virum Europäesche Geriichtshaff fir Mënscherechter errongen hunn. Wat dat Urteel bedeit a wat d’Schwäiz elo maache muss, erkläert d’María Elorza am Podcast. Si schwätzt och doriwwer, wat deen nach klenge Grupp vu Lëtzebuerger Klima-Senior*innen esou wëlles huet. Den Artikel, iwwert deen mir geschwat hunn: Klimaklagen: Sie zeigen den WegThe post Wéi Senior*innen sech an d'Klimabeweegung abréngen first appeared on Radio ARA.

Got questions? Send Ericka a Text!A powerful reading of "Chapter 4: Built from Grit" from the book "I'm Just the Biller" shares the journey from humble beginnings to nationwide success in dental billing education. This authentic narrative speaks directly to the unsung heroes of dental practices, reminding listeners that success isn't about where you start but the invisible grit that carries you forward.• Started career while dealing with a workplace bully who undermined confidence and flaunted material possessions• Worked two jobs simultaneously as a dental biller and ER tech to save for first home• First workshop in 2011 had just nine attendees who paid $19 each• Evolved from Craigslist marketing to hosting 156 people at the JW Marriott in Los Angeles• Experienced a full-circle moment when former bully became part of an office requiring billing consultation• Built a nationwide platform over a decade of dedicated work in dental coding and billing education• Recognizes that setbacks, disappointments and closed doors ultimately contributed to growth and resilienceShare this episode with your co-worker, office bestie, or that teammate who needs to hear they're just getting started. Follow the show, leave a review, and connect on Instagram @dentalbillingcoach for behind-the-scenes content, billing tips, and support for the people holding the dental profession together.Want to learn Dental Coding and Billing? Join here:https://tr.ee/efzYrY7mp-Would you like to set-up a billing consultation with Ericka? We would love the opportunity to discuss your billing questions and see how Fortune Billing Solutions may help you. Email Ericka:ericka@dentalbillingdoneright.comSchedule a call with Ericka: https://calendly.com/ericka-dentalbillingdoneright/30min Perio performance formula: (D4341+D4342+D4346+D4355+D4910)/(D4341+D4342+D4346+D4355+D4910+D1110) Want to know what your fee should be for D4346? Send Ericka an email to ericka@dentalbillingdoneright.com

They say you shouldn't sweat the small stuff, but that doesn't mean you can ignore the big stuff, either. When it comes to finances, and especially investing, it's important to get the big moves right. Mark Biller joins us today to go over the things that need special attention.Mark Biller is Executive Editor and Senior Portfolio Manager at Sound Mind Investing, an underwriter of Faith & Finance. Today, we'll cover some key takeaways from Sound Mind Investing's recent article, Getting the Big Moves Right, which explores seven critical investment decisions that can make or break your financial future.1. Have a Clear Investing PlanAs the old saying goes from the Cheshire Cat from Alice in Wonderland, "If you don't know where you're going, it doesn't matter which way you go." A successful investment strategy starts with a plan—one that outlines:Your target retirement dateThe amount you hope to have saved by that dateThe steps needed to achieve that goalWithout an investment plan, it's easy to drift or make hasty decisions based on emotions or short-term market fluctuations.2. Commit to Investing ConsistentlyOne of the most significant factors in successful investing is how much you invest each month. While everyone's situation differs, investing 10–15% of your monthly income during your working years is a general rule of thumb.Your age, retirement timeline, and savings goals will influence this percentage, but the key is to make investing a consistent habit—not something you do only when you have extra cash.3. Get Your Asset Allocation RightThere's no such thing as a “perfect portfolio” that always wins in the market. Instead of chasing returns, focus on the right mix of investments for your:Time horizon (how long you have until retirement)Risk tolerance (your ability to withstand market fluctuations)At SMI (Sound Mind Investing), their members start with a risk tolerance quiz to determine the best balance between stocks and bonds. A well-diversified portfolio ensures that when one part of the market struggles, another part can provide stability.4. Choose Investments WiselyMany investors fall into the trap of buying stocks or funds based on hype or following the latest market trend. Instead, focus on:Process-driven investment strategies that guide decisions based on long-term goalsDiversification across asset classes to minimize riskAvoiding emotional investing based on fear or excitementRather than constantly adjusting your portfolio based on short-term news, stick to a disciplined investment approach that aligns with your financial plan.5. Measure Success with the Right BenchmarkToo many investors compare their portfolios to popular stock indexes like the S&P 500, but this can be misleading.If your portfolio contains more than just large U.S. stocks, using the S&P 500 as your benchmark may lead to unrealistic expectations. Instead, measure success based on:Your personal financial goalsThe average return needed to achieve those goalsIn other words, success isn't about “beating the market”—it's about making steady progress toward your investment objectives.6. Limit How Often You Check Your InvestmentsOne of the biggest emotional traps investors fall into is checking their portfolios too frequently.Daily monitoring can lead to panic-driven decisionsOvertrading increases costs and reduces long-term gainsMarket fluctuations are expected, and checking too often can create unnecessary stressAt SMI (Sound Mind Investing), they recommend checking investments monthly—or even quarterly—to maintain a long-term perspective.7. Stay Committed for the Long HaulMany investors struggle with "grass-is-greener" syndrome, constantly switching:Investment strategiesFinancial advisorsIndividual stocks and fundsWhile there are appropriate times to make changes, they happen far less frequently than most investors think. Choose your investment strategy carefully, then stick with it—even when market conditions fluctuate.What to Let Go of for Investment SuccessOnce you've nailed the big investment moves, free yourself from these distractions:Daily Market News—Most headlines are designed to create fear or hype, not provide useful long-term advice. The “What-If” Game—Don't waste time thinking about missed opportunities—focus on future decisions. Portfolio Micro-Management—Diversification means some investments will perform better than others at different times. Stay patient and trust your strategy.Investing isn't about perfection—it's about faithfulness and consistency. Here's how to ensure long-term success:Create an investment planStick to your strategyCommit to steady investingMonitor progress with the right benchmarksLimit emotional reactions to market noiseThe key to financial freedom isn't found in chasing quick gains—it's in making faithful, long-term decisions that align with wise stewardship principles. Above all, trust God as your ultimate provider. Investing is a tool for wise financial stewardship, but our true security is in Him—not in our portfolio's performance.To dive deeper into today's discussion, check out the full article Getting the Big Moves Right at SoundMindInvesting.org. Want personalized guidance? SMI (Sound Mind Investing) offers tools like the risk tolerance quiz and MoneyGuidePro to help investors stay on track.On Today's Program, Rob Answers Listener Questions:I have a $410,000 universal life insurance policy that I opened in 2020. I now have $30,000 in cash value built up. My children are grown and independent. What would be the best way for me to move that $30,000 somewhere else?My dad is starting to retire and has equity in his home. Would it be a good idea for him to take out a reverse mortgage to pay off his significant credit card debt so he can live comfortably in retirement? He still has a mortgage on the home.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly MagazineGetting the Big Moves Right (Sound Mind Investing Article)Sound Mind Investing (SMI)Movement MortgageWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look 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.

Rebeka Mulk, a top-performing UK Tech recruiter, shares her journey from struggling to thriving in the recruitment industry.She shares her playbook that resulted in here going from being an under performer to a top biller.You can connect with Rebekka here: https://www.linkedin.com/in/rebeka-mulk-439808a6/-------------------------Watch on YouTube: https://youtu.be/6-YhMv6AwGM-------------------------Sponsors - Claim your exclusive savings from our partners with the links below:Sourcewhale - Check Out Sourcewhale & Claim Your Exclusive Offer Here.Raise - Check Out Raise & Claim Your Exclusive Offer Here.-------------------------Extra Stuff:Learn more about our online skills development platform Hector here: https://bit.ly/47hsaxeJoin 4,000+ other recruiters levelling up their skills with our Limitless Learning Newsletter here: https://limitless-learning.thisishector.com/subscribe-------------------------Get in touch:Linkedin: https://www.linkedin.com/in/hishemazzouz/-------------------------

Got questions? Send Ericka a Text!Dental billing has undergone a dramatic transformation since the carefree days of the late 1990s. What was once a straightforward process—send a claim, get paid, move on—has evolved into a complex system demanding meticulous attention to detail and strict compliance measures. The reason? Insurance companies have woken up to the staggering $12.5 billion lost annually to dental fraud, and they're scrutinizing claims like never before.You don't need to be committing actual fraud to get caught in this web. Cutting corners, skipping steps, and clinging to outdated "backyard billing" habits can quickly put a target on your practice. Are you submitting claims without checking clinical notes? Skipping attachments to get claims out faster? Using coding loopholes that worked a decade ago? These practices aren't just inefficient—they're potentially putting your practice at risk for denials, audits, and recoupment demands.True billing expertise isn't defined by years of experience but by commitment to compliance and continuous education. It means verifying clinical documentation matches what you're billing, understanding dental necessity requirements, staying current with coding changes, and implementing robust follow-up systems. It means knowing when to push back when insurance companies request additional information despite receiving sufficient evidence the first time. Most importantly, it means understanding your state's prompt pay laws and holding insurance companies accountable when they attempt to delay payment beyond legal timeframes.The transition from backyard billing to compliant billing isn't complicated, but it requires intentionality. Start by implementing daily report monitoring, creating standardized billing protocols, and ensuring your team understands compliance requirements. The reward? Fewer denials, faster reimbursements, and significantly less stress from chasing payments that should have been received the first time. Remember: the goal isn't just getting claims paid—it's getting them done right. Want to learn Dental Coding and Billing? Join here:https://tr.ee/efzYrY7mp-Would you like to set-up a billing consultation with Ericka? We would love the opportunity to discuss your billing questions and see how Fortune Billing Solutions may help you. Email Ericka:ericka@dentalbillingdoneright.comSchedule a call with Ericka: https://calendly.com/ericka-dentalbillingdoneright/30min Perio performance formula: (D4341+D4342+D4346+D4355+D4910)/(D4341+D4342+D4346+D4355+D4910+D1110) Want to know what your fee should be for D4346? Send Ericka an email to ericka@dentalbillingdoneright.com

A senger Carte Blanche beschreift de Paul Hammelmann an e puer Biller, zu wat déi rietsextrem Ideologie fäeg ass a wéi mir haut an Europa dozou stinn.

On today's broadcast of HOPE Talks we are joined by Erica Biller. Erica joins us today to share her testimony. She shares about her new life through Christ and the hope that is found in Him. We pray that today's broadcast will be a half hour of hope for your life! We would love to hear your feedback on HOPE Talks! Below is the link to a short survey! https://forms.office.com/Pages/DesignPageV2.aspx?prevorigin=shell&origin=NeoPortalPage&subpage=design&id=rMtAr_aDl02Dki0XlUrGIhYk-WuZPbRHkFKyO4BJJKdURTIyS1JBNU1TSjRYQjA3VVo5RlNPT0dSWS4u

What are the tricks to mastering the art of insurance billing in group practices? Can you be your own biller? Which strategies are the best for you to use to navigate insurance billing in your practice? In this podcast episode, Andrew Burdette speaks about how to be your own biller with Danielle Kepler.  Podcast Sponsor: […] The post Be Your Own Biller with Danielle Kepler | GP 264 appeared first on How to Start, Grow, and Scale a Private Practice | Practice of the Practice.

In this episode of the Recruiter Startup Podcast, host Dualta Doherty speaks with Wendy McDougall, CEO of Firefish, about the evolving world of recruitment technology. They discuss Wendy's journey from top-billing recruiter to tech entrepreneur, the challenges of building an ATS, and the future of AI in hiring. Wendy shares insights into recruitment market cycles, the importance of customer service in tech, and how automation is reshaping the industry. Tune in for insights on how recruitment tech is evolving.

Major changes are likely coming for the U.S. economy. Will you be ready for them?We have a new president who's pledged to overhaul the economy. How will that affect investors and the markets? Mark Biller joins us today with a plan for managing “anticipated disruption.”Mark Biller is Executive Editor and Senior Portfolio Manager at Sound Mind Investing, an underwriter of Faith & Finance. Learning from the Past: Market Trends in ReviewBefore diving into predictions, it's essential to recognize the value of reviewing recent market trends. Forecasting is often unreliable, so Sound Mind Investing focuses on building robust portfolios that can withstand a variety of market conditions.Key Observations from 2024:Strong Stock Market Performance: 2024 was a banner year for stocks.Struggles in Bonds: Higher long-term interest rates created challenges for bond investors.Rather than predicting, SMI uses trend-following strategies, aligning portfolios with market behavior to enhance resilience against uncertainties.What Could End the Bull Market?Bull markets typically end due to two primary catalysts:Federal Reserve Rate Hikes: With recent rate cuts, a pivot to hikes seems unlikely.Economic Recessions: Despite fears, current conditions—strong GDP growth, low unemployment, and robust balance sheets—make a near-term recession improbable.However, investors should remain prepared for routine market corrections (10-15%), which are typically short-lived and not worth major portfolio adjustments.Trump 2.0: Policy Changes and Market ImpactsPresident Trump's second term brings both optimism and uncertainty. Business-friendly policies like tax cuts and deregulation are expected to boost growth, but his stance on disrupting global free trade could create volatility.Key Policy Areas to Watch:Immigration and Tariffs: Potential economic implications tied to trade disruptions.Deficit Reduction: Balancing growth-oriented spending with inflationary risks.Energy and Taxes: Initiatives that may shape inflation and economic growth dynamics.Wall Street's response will likely depend on how aggressively these policies are implemented. While markets thrive on stability, Trump's approach could introduce significant fluctuations.The National Debt: An Ongoing ChallengeReducing the national debt remains a pressing issue, but Mark is skeptical about achieving a balanced budget in the short term. Growth-driven strategies may help manage deficits, but cutting government spending poses immediate challenges for economic momentum.Staying the Course Amid UncertaintyWith many moving parts, confidently predicting cumulative economic and market outcomes is impossible. However, investors should:Stick to long-term plans.Maintain proper diversification.Continue regular contributions to retirement plans.The focus should remain on steady progress toward financial goals rather than reacting to short-term disruptions.For a deeper dive into these topics and actionable strategies, read Mark's full article, “Trump 2.0: Using Objective Investing Models to Guide Us Through Anticipated Disruption.” This article offers a clear framework for understanding the potential market impacts of Trump's second term while encouraging a disciplined investment approach.On Today's Program, Rob Answers Listener Questions:My husband and I are researching long-term care options as we prepare to retire. We've considered long-term care insurance or an annuity with a long-term care rider, but we're having trouble deciding which is best for our situation. Do you have any recommendations?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly PublicationTrump 2.0: Using Objective Investing Models to Guide Us Through Anticipated Disruption by Mark Biller (Sound Mind Investing Article)Sound Mind InvestingLook 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.

Ruth Billers Tochter starb mit 14 Jahren plötzlich nach dem Sport, obwohl sie gesund schien. Die Ursache war eine Genvariante, aber die Mutter musste kämpfen, um das zu erfahren. Seitdem hilft sie anderen Betroffenen. Moderation: Ralph Erdenberger Von WDR 5.

British philosopher G.K. Chesterton once said, “I know as much about the future as you do, which is nothing.” Only God knows the future, but that doesn't mean we shouldn't plan for it. Mark Biller is here today to help you do that. Mark Biller is Executive Editor and Senior Portfolio Manager at Sound Mind Investing, an underwriter of Faith & Finance. Today, we'll cover some key takeaways from Sound Mind Investing's recent article, “Your 10 Most Important Financial Moves for 2025,” which offers over 60 actionable tips across six categories. Let's dive into some highlights to help you plan your next year's top financial moves.1. Put First Things First: Aligning Finances with FaithDevelop a Financial Plan: A solid plan is essential for managing God's resources well. As Luke 19:13 reminds us, faithful stewards are called to “put this money to work until I come back.”Build an Eternity Portfolio: Once your family's needs are met, embrace “exponential generosity.” As your income grows, increase your giving percentage, laying up treasures in heaven (Matthew 6:20).2. Strengthen Your Financial FoundationCreate a Workable Budget: A budget—think of it as a “spending plan”—is foundational. Learn from past mistakes and focus on spending less and saving more through automated savings or retirement account contributions.Spend Less, Save More: Small changes today can bring significant long-term benefits. Adjust your spending habits to prioritize your future.3. Develop Your Investing PlanCreate a Long-Term Investing Strategy: Just as a budget helps manage day-to-day finances, an investing plan guides long-term success. Allocate appropriately and avoid making rash decisions based on political or economic changes.Stay Informed About Trends: Technological advancements, economic policies, and market changes can impact investments. Educate yourself on these trends without succumbing to speculation.4. Broaden Your PortfolioExpand Your Knowledge: Understand how global trends like AI and interest rate shifts may influence your portfolio. SMI offers resources to help navigate these complexities while maintaining a long-term focus.5. Prepare for RetirementPlan for Social Security: Deciding when to claim Social Security benefits is crucial. For most, waiting until full retirement age or later can yield greater financial benefits.Understand Medicare Coverage: Don't assume Medicare will cover all your retirement healthcare needs. Research Medigap or Medicare Advantage plans and consider alternatives like Christian Healthcare Ministries.6. Miscellaneous Must-DosStart Your Kids on Investing: Encourage young people to invest early. Fractional-share purchases and no-commission trades make it easier than ever to build long-term financial habits.Review Estate Plans: Ensure your will, power of attorney, and healthcare directives are up-to-date. Life changes and legal updates warrant a review every five years.Protect Against Tax Identity Theft: To prevent fraudulent filings, safeguard your Social Security number by requesting an IRS Identity Protection PIN.Bonus Tips for 2025Treasure Each Day: Life is fleeting—embrace each day as a gift and manage God's blessings wisely.Deepen Your Prayer Life: Discerning God's voice leads to better financial decisions rooted in faith.Manage Finances as a Team: For married couples, working together on finances can combine strengths and reduce weaknesses.As 2025 approaches, remember that your financial success hinges more on your choices than external circumstances. Faithful stewardship not only secures your financial future but also aligns your resources with God's purposes. May you aim to hear these words in Matthew 25:21: “Well done, good and faithful servant! You have been faithful with a few things; I will put you in charge of many things. Come and share your master's happiness!”For the complete list of financial moves and additional resources, visit SoundMindInvesting.org.By following these principles, you can make 2025 a year of financial health and faithfulness.On Today's Program, Rob Answers Listener Questions:I recently retired and have a 401(k) with about $47,000 in it. I don't know what to do with this money. I'd like to get some advice from a Christian perspective on how to best manage and invest this 401(k) now that I'm retired.Resources Mentioned:Understanding Reverse: Simplifying the Reverse Mortgage by Dan HultquistMoney and Marriage God's Way by Howard DaytonMovement MortgageLook 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.

Skriv til os!En vaskeægte cross-over episode! Magnus Biller fra Jeg har lige er kommet på besøg for spørge ind til løst og fast omkring Række 8. Vi har med største glæde fået lov til at udgive det interview han lavede med os i dette feed. Vi sætter den største pris på lyttere, som Magnus og vi kan kun ønske os at I vil finde hans podcast og instagram for at følge med i hans spændende almindelige dagligdag, der bliver dokumenteret med største content creator-snilde. Tak til Magnus!Husk også at følge vores julekalender på instagram herunderIntromusik produceret af Timur.Find Række 8 på Facebook og Instagram.Følg William på Twitter og LetterboxdFølg Jens på Twitter og Letterboxd

Im Rahmen der Konferenz „Israel: Deutsche Projektionen“, die im Mai 2024 in München stattfand, wurde untersucht, wie Israel in Deutschland heute und im Laufe des 19. und 20. Jahrhunderts wahrgenommen und imaginiert wurde und wird. Die Konferenz brachte Wissenschaftlerinnen und Wissenschaftler aus den Bereichen Geschichte, Philosophie, Literatur, Soziologie und Medienwissenschaft zusammen, um die verschiedenen deutschen Projektionen von Israel aus einer interdisziplinären Perspektive zu betrachten. Der Vortrag von Dr. Amir Engel fiel in den Bereich ‚Literatur und Musik‘.

Im Rahmen der Konferenz „Israel: Deutsche Projektionen“, die im Mai 2024 in München stattfand, wurde untersucht, wie Israel in Deutschland heute und im Laufe des 19. und 20. Jahrhunderts wahrgenommen und imaginiert wurde und wird. Die Konferenz brachte Wissenschaftlerinnen und Wissenschaftler aus den Bereichen Geschichte, Philosophie, Literatur, Soziologie und Medienwissenschaft zusammen, um die verschiedenen deutschen Projektionen von Israel aus einer interdisziplinären Perspektive zu betrachten. Der Vortrag von Dr. Amir Engel fiel in den Bereich ‚Literatur und Musik‘.

They say that winners never quit and quitters never win, but that's not really true, is it? What if you're trying to quit a bad habit?It's not only okay to quit a bad habit; it's something we should always strive to do—especially with investing. Mark Biller joins us today with a list of bad habits you should quit if you find yourself doing them.Mark Biller is Executive Editor and Senior Portfolio Manager at Sound Mind Investing, an underwriter of Faith & Finance. Go Ahead, Be a QuitterIn a recent article titled “Go Ahead, Be a Quitter” at SoundMindInvesting.com, six bad investing habits are discussed as they explain why quitting them can lead to better financial outcomes.1. Quit Standing on the SidelinesOne of the worst habits in investing is not starting at all. Time is crucial for building wealth, thanks to the power of compound interest—often referred to as the “8th wonder of the world.” Investing in well-managed, growing businesses, primarily through stocks, has historically provided returns that outpace inflation. So, instead of staying on the sidelines, become a part-owner of corporate America by investing.2. Quit Waiting for a “Low-Risk” Entry PointTrying to time the market is nearly impossible. Waiting for the “perfect” moment often means missing out on valuable time in the market. Over any five-year period, a diversified stock portfolio rarely loses money and frequently produces high returns. Consistency and patience, rather than timing, are the true keys to long-term growth.3. Quit Looking for a Reason to SellEvery financial expert seems to have a new doom-and-gloom prediction, but tuning into this noise can hurt long-term gains. Inflation—not market downturns—is often the biggest threat to wealth, and stocks are one of the best defenses against inflation. Instead of looking for reasons to sell, commit to investing long-term and avoid unnecessary panic.4. Quit Making Things ComplicatedAvoid drowning in economic forecasts, technical analyses, and frequent trades. Instead, pick solid investments and hold on to them. The simpler your approach, the easier it will be to stay the course.5. Quit Obsessing Over Short-Term ResultsChecking your portfolio daily can lead to emotional highs and lows, tempting you to trade based on short-term results rather than long-term goals. Instead, limit your portfolio checks to avoid unnecessary stress and stay focused on your broader financial objectives.6. Quit Worrying—Trust and Invest with PeaceInstead of letting fear drive your investment decisions, remember 2 Timothy 1:7: “God has not given us a spirit of fear, but of power and of love and of a sound mind.” Trust in God's provision, follow His principles, and invest from a place of peace rather than anxiety.For more on these principles, check out his full article, “Go Ahead, Be a Quitter,” at SoundMindInvesting.org.On Today's Program, Rob Answers Listener Questions:I'm considering withdrawing $20,000 to $30,000 from our $148,896 IRA to help purchase a new one-floor home for my husband. What are your thoughts on this, and what would the tax implications be?I need some money to keep safe and liquid, as the high-yield interest rates I've been getting are about to go down. I may need to use this money to buy my mom's house for my sister in the future. What would you recommend as a safe investment option that can still provide a decent yield while keeping the money accessible?My wife and I are looking to invest in a faith-based way, focusing on index funds and ETFs. Do you have any specific low-cost, faith-aligned recommendations we could consider for our investment portfolio?I want to share how reading the True Riches book has changed my husband's and my approach to finances as a church. We've canceled our Amazon Prime membership to reduce materialism, and we're learning to be more intentional with our spending and generous beyond tithing. The book has really shifted our mindset to a kingdom-focused perspective on managing our resources.Resources Mentioned:True Riches: What Jesus Really Said About Money and Your Heart by John Cortines and Gregory BaumerGo Ahead, Be a Quitter (Article by Sound Mind Investing)Eventide Asset ManagementList of Faith-Based Investment FundsLook 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.

Medical coders and billers play a vital role in the healthcare industry, handling complex financial and administrative tasks. However, their contributions are often overlooked. Timely payment is critical for healthcare providers to continue offering services. Medical billers should have certification to demonstrate their expertise. Becoming a certified medical coder typically takes 4-12 months, depending on the certification program and the individual's prior experience. Certification ensures coders have the necessary knowledge and skills to accurately translate medical procedures and diagnoses into standardized codes for billing and reimbursement.

Laages, Michael www.deutschlandfunk.de, Kultur heute

You've heard the saying, “Past performance is no guarantee of future results.” Does that apply to Federal Reserve policy?The Fed is finally cutting interest rates for the first time in four years. What does this mean for investors? You might be surprised. Mark Biller has the details.Mark Biller is Executive Editor and Senior Portfolio Manager at Sound Mind Investing, an underwriter of Faith & Finance. The Guiding Principle: Don't Fight the FedIn mid-September, the Federal Reserve surprised many investors by cutting the funds rate by half a percent. While many might view this as a positive signal, it's essential to understand that rate cuts don't always lead to stock market gains.A phrase often heard in the investment world is, “Don't fight the Fed.” This principle has guided investors for decades, suggesting that investors should be cautious when the Federal Reserve raises rates and optimistic when it cuts rates. This belief has only grown stronger in recent years as the Fed has regularly intervened in the market. Historically, those who didn't “fight the Fed” tended to fare well.However, while this strategy has worked for the last 15 years, it hasn't always held true, especially during certain economic downturns. Investors should remain cautious in assuming rate cuts always lead to market gains.Rate Cuts Don't Always Lead to Stock Market GainsWhile rate cuts have often been associated with bullish markets, history tells a more complex story. For example, in both 2001 and 2007, the Fed began cutting rates just as the economy entered significant recessions. These recessions led to massive losses for investors, with the S&P 500 dropping by as much as 50%.As economic data in the U.S. slows, some investors are beginning to wonder if we're on a similar path to what happened in those earlier years. Could this be a repeat of 2001 or 2007, where rate cuts fail to prevent significant losses?The Two Paths Following Rate Cuts: Recession or Non-Recession?The key factor to understand when the Fed starts cutting rates is whether the economy is headed toward a recession or not. Historically, there have been two distinct paths that the market takes after the first rate cut in a cycle:The Recession Path: When the economy is in or heading toward a recession, rate cuts have not helped the stock market. Since 1980, three rate-cutting cycles have occurred during recessionary periods—in 1980, 2001, and 2007. During these times, the S&P 500 fell significantly, with declines of 16.5%, 28%, and 24%, respectively, in the 12 months following the first rate cut. The Non-Recession Path: On the other hand, when the economy avoids recession, rate cuts have given investors the boost they expected. In 1987, 1989, and 1995, the market saw gains of 24%, 14%, and 22% in the year following the initial rate cut.The key takeaway here is that recessions are the big variable. Whether the market moves up or down after rate cuts depends largely on whether the economy is heading into a recession.Are We on the Recession Path?This is the question on every investor's mind. While economic growth has been slowing in recent months, it's important to differentiate between a slowing economy and an actual recession. Over the past few years, many have predicted a recession as the year comes to an end, yet the economy has remained resilient.One possible explanation is that the slowing data reflects a normalization following the economic spike after the COVID-19 pandemic. Slowing growth doesn't necessarily mean the economy is headed for a downturn. Investors have seen similar predictions in recent years that never materialized.Looking ahead, the data suggests that the economy may still be in good shape. While there may be fears of a recession, it's possible that those fears could once again give way to continued economic stability and potential market gains.Why Did the Fed Cut Rates Aggressively?The recent half-percent rate cut by the Fed was larger than many expected. Typically, the Fed only makes cuts of this size during a crisis, yet the U.S. economy is growing at 3%, with unemployment at 4.2% and asset prices near all-time highs.This aggressive move signals that the Fed's primary focus has shifted from controlling inflation to supporting employment and the broader economy. With inflation under control, the Fed likely sees less need for high interest rates and more risk in potentially slowing the economy by keeping rates elevated.There's also a possibility that the Fed made a larger cut now to avoid making multiple smaller cuts in the future. However, cutting rates too aggressively could bring back inflation if the economy continues to grow.What Should Investors Do?At this point, it seems more probable that we're on the non-recessionary path, at least for the remainder of the year. The data doesn't yet support a recession, and economic indicators like growth, inflation, corporate profits, and household net worth remain strong.For investors, the message is clear: stay data-dependent. Watch the economic data closely, but don't assume that rate cuts will always lead to market gains or that a recession is imminent. There's reason for optimism, but as always, be prepared to adjust your strategy if the data starts to signal a different outcome.While rate cuts can provide a tailwind for the market, they don't always guarantee gains. Monitor the economic data and stay prepared for either outcome.You can read Mark's full article, “The Fed Is Cutting Interest Rates: What Does it Mean for Investors?” at SoundMindInvesting.org.On Today's Program, Rob Answers Listener Questions:I have $80,000 in CDs with my sister as a joint owner. My sister and her husband are concerned that if I get sued, they could go after the CDs and my sister's own investments since she's a co-owner. I can remove her as co-owner, but that would mean losing $2,000 in interest. Should I be concerned about my sister's investments being at risk? Is it worth losing the $2,000 to remove her as co-owner?Resources Mentioned:The Fed Is Cutting Interest Rates: What Does it Mean for Investors? (Sound Mind Investing Article)Sound Mind InvestingLook 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.

When you think about it, most, if not all, fintech innovation comes via the analysis and application of data. And financial services is more data-dependent now than at any time in its history. But this creates a challenge for brand new startups. How do you get access to data when all you have is an idea? Enter Fintech Sandbox.My next guest on the Fintech One-on-One podcast is Sarah Biller, the co-founder of Fintech Sandbox. This industry non-profit provides free access to financial services data that can be critical for startups as they develop their initial products. As the need for large datasets accelerates an organization like Fintech Sandbox provides ever more critical for the growth of the startup ecosystem.In this podcast you will learn:The driving force in starting Fintech Sandbox.How they persuaded their first data providers to provide free access to data.Some of the companies providing data for them today.How they go about finding new data sources.What their Data Access Residency program is and who it is for.How the types of companies they see have evolved over the last decade.The impact of AI on the demand for data from their new cohorts.Some of the companies that have been through their program.How open banking is going to impact fintech once the new rules are implemented.What is happening at Boston Fintech Week (Oct 14-18) this year.Why it is important for Fintech Sandbox to be a non-profit.How they are funded.How Sarah is thinking about the next 10 years of Fintech Sandbox.Connect with Fintech One-on-One: Tweet me @PeterRenton Connect with me on LinkedIn Find previous Fintech One-on-One episodes

Maxim Billers Doku-Fiktion über jüdische Identität und den Schriftsteller Josef Chaim Brenner, der 1921 in Palästina während der antijüdischen Pogrome ermordet wurde. Mit: Adriana Altaras, Samuel Finzi, Joel Basman, Deleila Piasko, Leo Altaras, Christoph Franken u. a. | Ton und Technik: Michael Stecher | Assistenz: Stefanie Ramb | Musik: Florian van Volxem / Sven Rossenbach | Regie: Dominik Graf | Produktion: SWR 2024 - Premiere

On Episode 9 of Steel, we travel to Portland, Oregon to interview Jeremy Wakefield, one of the finest swing and jazz lap steel players out there. He has a beautiful touch, he's a great improviser, and he breathes life into this style of American music. Jeremy has played and recorded alongside ridiculously great players like Dave Biller, TK Smith, Jonathan Stout and Sage Guyton. His albums 'Hot Guitars of Biller and Wakefield' and 'Steel Guitar Caviar' are touchstone latterday swing steel guitar records. Jeremy's playing is also heard all over the TV show 'Spongebob Squarepants.'  Check out the following links to learn more about Jeremy and his music: https://open.spotify.com/playlist/5M6dbAh0RRMC2AgKFWG2T6?si=8f425a7e0e2c4f05 https://youtube.com/playlist?list=PLvvtMAAyfWucymmatfI5yj25bYEKHkzBl&si=LE39T6ldMKRcpS4S https://www.instagram.com/titanicstinks https://jeremywakefield.bandcamp.com/album/steel-guitar-caviar-2 https://spongebob.fandom.com/wiki/Jeremy_Wakefield Deep thanks to Benson Amps for their support of this episode.  https://www.bensonamps.com/ This podcast is brought to you by the wonderful folks at the Fretboard Journal magazine. Check out the following links to subscribe to the magazine and dig into the rest of the FJ podcast network: https://www.fretboardjournal.com/

Ein Hörspiel von Maxim Biller? Auch für den Schriftsteller war das etwas Neues. Von ihm ist die literarische Vorlage für das SWR-Hörspiel „Kein König in Israel“. Anfangs habe er sich vor einem Tonmeister gefürchtet, der mit Klopfgeräuschen Schritte imitiert, scherzt der Schriftsteller im Gespräch mit SWR Kultur. Eine unbegründete Befürchtung: Regisseur Dominik Graf habe „seit langem keinen so guten Film gemacht wie dieses Hörspiel“.

Today's parents have better ways to save for their kids' college than existed a generation ago. So, are you making the most of your college savings program?It's been less than 30 years since Congress authorized the tax-advantaged 529 plans. More options soon followed. Mark Biller joins us today with the pros and cons of several college-savings programs.Mark Biller is Executive Editor and Senior Portfolio Manager at Sound Mind Investing, an underwriter of Faith & Finance. The Rising Cost of CollegeOver the past few decades, the cost of higher education has increased at a rate much higher than general inflation. Today, more than half of college graduates leave school with student loans, and the average debt load has nearly doubled in the last 15 years. For parents, saving for college can be daunting, but starting early is essential. For instance, if you have 14 years to save for a child's education, you'll need to set aside about $520 per month to cover 70% of the four-year cost at a public institution. Waiting until your child is older will require much larger monthly contributions.One of the most important strategies is involving your children in the savings process. Helping them understand that any unmet costs will turn into debt in the future can encourage them to contribute through savings, summer jobs, scholarships, and financial aid. This also teaches them the value of disciplined saving.Best Programs for College SavingsWhile there are many options available for college savings, there are specifically three key vehicles: Coverdell Education Savings Accounts (ESAs), 529 Plans, and Roth IRAs. Each has its own strengths and weaknesses.1. Coverdell Education Savings Accounts (ESAs)Coverdell ESAs offer flexibility in investment choices, allowing parents to make specific investment decisions and adjust their portfolios as needed. However, there are income limits for contributors and a maximum contribution of $2,000 per year, which may not be enough if you're starting late in the game.2. 529 PlansThese plans have become the most popular option for college savings. They offer tax-free growth on your investments as long as withdrawals are used for qualified educational expenses. Many states also provide tax benefits for contributions to 529 plans. While they don't offer the same investment flexibility as Coverdell ESAs, they allow higher contribution limits and have no income restrictions, making them suitable for high-income families. Age-based portfolios, which automatically adjust investments as your child gets closer to college, can simplify the process for busy parents.3. Roth IRAsRoth IRAs are typically associated with retirement savings, but they can also be useful for college savings. You can withdraw contributions without penalties to pay for college expenses. However, you'll need to be at least 59½ years old to avoid penalties on earnings. Roth IRAs provide the flexibility to use the funds for retirement if your child doesn't need them for college.Choosing the Right OptionWhen it comes to saving for college, it's not necessarily about choosing one program over another. Parents can use a combination of these accounts, such as contributing to both a Roth IRA and a 529 plan. The key is to start early to maximize the benefits of compounding. The earlier you begin saving, the less you'll need to set aside each month.With the rising cost of college, saving early is crucial to minimizing student debt for your children. Whether you choose a Coverdell ESA, 529 plan, Roth IRA, or a combination, the important thing is to take action. Don't put this off. The earlier you make a decision to start contributing, the more you can get compounding working for your earnings.For more detailed information on these college savings options, you can visit Sound Mind Investing and read their full article, “Making the Most of Your College-Savings Program,” at SoundMindInvesting.org. On Today's Program, Rob Answers Listener Questions:My question was about the 401(k) left to me by a dear friend who passed away. I'm 80 years old, and I understand I can't leave that 401(k) to anyone else as a beneficiary. I wanted to know if I could roll it over, put it in something else, or even take a penalty to access the funds since I'm not sure I'll be able to use it for very long, given my age. I was surprised to hear that I might be unable to name a beneficiary for the inherited 401(k), so I wanted to see if that was true. My auto insurance has significantly increased over the last two years, and it went up again with my latest policy renewal. I want to look for another auto insurance company, but I'm specifically looking for one that is biblically based and doesn't give money to organizations that go against my values. I'm already a Christian Community Credit Union member, so I wondered if they or any of their partners offer auto insurance options that align with my Christian beliefs.I'm a nurse who had to apply for Social Security benefits about 18 years ago when I got sick. I feel I was shortchanged on my benefit amount compared to others, even those with lower incomes and education. I didn't have a lawyer when I applied, and I'm concerned I wasn't adequately credited for my work history starting at age 13. I can get by because I was able to sell a home, but I'm wondering if I can now get a lawyer to try to increase my Social Security benefits since I believe I was unfairly treated when I initially applied.Resources Mentioned:Sound Mind InvestingMaking the Most of Your College-Savings Program (Article by Mark Biller and Matt Bell - Sound Mind Investing)Look 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.

Die Themen: Von der Trauerfeier für Mörtel-Lugner zum Dschungelcamp; „Markus Lanz“ ist zurück aus der Sommerpause; Der Nicolas-Born-Preis 2024; Nostalgie und die Rückkehr von Oasis; Die Freizeitgestaltung der Deutschen; Jan Böhmermanns Text „Gesellschaft im Wandel“ und Maxim Biller singt wieder Du möchtest mehr über unsere Werbepartner erfahren? Hier findest du alle Infos & Rabatte: https://linktr.ee/ApokalypseundFilterkaffee

08/29/24: Jamie Selzler is the DNC Committeeman for North Dakota, and is filling in for Joel Heitkamp on "News and Views." He's joined by Cheryl Biller, the Executive Director for the North Dakota Dem-NPL. They talk about the recent Democratic National Convention, goals of the Democrat party, take a supportive call from a listener, and more. See omnystudio.com/listener for privacy information.

"Ich fand Leute, die auf Texte hören, immer total bescheuert." Das sagt Autor Maxim Biller. Nun hat der Mann, der offen bekennt "Bob Dylan habe ich gehasst", selbst ein Album herausgebracht, das von der Verve seiner Texte lebt. Biller, Maxim www.deutschlandfunkkultur.de, Lesart

Everyone knows what inflation means, right? You'd be surprised by how fuzzy some people think about inflation.Is inflation a rise in prices, or simply high prices? Or does it mean something else entirely? The results of a recent poll may surprise you, but we've got Mark Biller with us today to explain it.Mark Biller is Executive Editor and Senior Portfolio Manager at Sound Mind Investing, an underwriter of Faith & Finance. What is Inflation? A Common MisunderstandingA recent survey revealed a significant misunderstanding among the general public about what inflation actually means. While 86% of respondents expressed concern about inflation, their definitions varied widely. Some believed it meant a rise in prices, others thought it referred to high prices, and there was confusion about the time periods involved—fewer than half correctly defined inflation as a rise in the cost of goods and services.Economists vs. Everyday ExperienceThere needs to be more connection between how economists talk about inflation and how ordinary people experience it. Economists focus on the rate of change in prices, which peaked at 9% in June 2022 and has since declined to 3-3.5%. However, this doesn't mean prices are decreasing; they are simply rising at a slower rate. On the other hand, people experience inflation cumulatively. Since prices started soaring after COVID-19, the cumulative cost of inflation is between 22% and 25%.The Reality of Persistent High PricesUnfortunately, once prices rise, they seldom go back down. The concept of "transitory" inflation was misleading because it suggested that prices might return to previous levels, which they haven't. The cumulative impact of inflation since 2020 means that everything we buy now costs significantly more, and this higher cost is here to stay.Future of Inflation and Its ImplicationsLooking ahead, the battle against inflation continues. The Federal Reserve aims for a 2% inflation target, but the current rate above 3% indicates that more efforts are needed. The longer high inflation persists, the more it influences people's expectations and behaviors, which can lead to demands for higher wages and further price increases.Investing in an Inflationary EnvironmentHigher inflation has several implications for investors. Interest rates have spiked, hurting bond returns but benefiting savers with higher cash and other safe holdings yields. Real assets like gold, commodities, and energy stocks have performed well during this period. Sound Mind Investing has emphasized these assets while slightly reducing bond investments to mitigate the effects of higher inflation and interest rates.While economists and financial experts view inflation through a specific lens, everyday experiences paint a different picture. Understanding these differences can help us make better financial decisions navigating this inflationary environment. On Today's Program, Rob Answers Listener Questions:I'm seeking a good church management software program for our small church of less than 100 members. I want it to track our members' giving records and coordinate events.What do I do about the loan I took from my previous employer's 401k? I had borrowed around $9,000 to help buy a car for my daughter when she went to college. I am no longer with that employer, but they will allow me to repay the loan even though I've left. I'm currently paying $2,000 per month towards it. Should I continue repaying the loan or just stop paying it back? I also wanted to know if I should pay it off in one lump sum or continue monthly payments. Lastly, I also wanted to see if I should keep the 401k funds with my former employer or move them elsewhere.Would it be wise for my husband and I to co-sign on student loans for our son starting college this fall? Since he has no credit history, I wondered if that would factor into getting a better loan interest rate. Where would you recommend looking for loans that have the best interest rates?Resources Mentioned:Sound Mind InvestingChurch Center | PowerChurch | Tithe.ly | SecureGive | Shelby Systems | PushpayBankrate | Lending Tree | NerdWalletRich 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.

This week Niall Simpson the founder of Pursue Talent joined me on the podcast.We discuss everything he has learned so far since starting his own business.You can connect with Niall on LinkedIn here - https://www.linkedin.com/in/niallsimpson/-------------------------Watch the episode on YouTube: https://youtu.be/nSsuIZ4hZkA-------------------------Sponsors - Claim your exclusive savings with the links below:Sourcewhale - https://sourcewhale.com/book-demo?utm_source=partner&utm_medium=podcast&utm_campaign=recruitment_mentors_podcast&utm_content=book_a_demoFirefish - https://www.firefishsoftware.com/rmp-------------------------Extra Stuff:Grab your FREE eBook Masterclass on Improving Your Job To Fill Ratio: https://resources.thisishector.com/improve-your-job-to-fill-ratioLearn more about our all-in-one training platform Hector here: https://bit.ly/47hsaxeSign up for our FREE Limitless Learning Newsletter here: https://limitless-learning.thisishector.com/subscribe-------------------------Get in touch:Linkedin: https://www.linkedin.com/in/hishemazzouz/-------------------------

Have you ever wondered how a top-performing recruiter becomes a firm owner? Katharine Wilcox, President of Resource Mosaic, shares her journey. After joining the firm in 2011, Katharine took over the business in 2022. In this episode, she discusses her transition from director to owner, her challenges and the strategies that drove her success in executive search. Whether you're a recruiter considering firm ownership or looking to boost your performance, Katharine's insights on building trust, hustling, and executing in the competitive world of accounting and finance recruitment are not to be missed.  With a background in entertainment and accounting, Katharine boasts a proven track record of connecting top talent with growth opportunities. Katharine is a member of the Pinnacle Society, a fantastic group of recruiters who are among the top producers in the United States. Episode Outline and Highlights   [01:58] Katharine's background in a talent agency and how she went into recruiting. [06:47] Discussion on how Katharine transitioned from being a director to becoming a business owner. [19:43] Building teams that drive company growth. [25:36] What is the secret to building trust with your clients and candidates? [32:25] Why Katharine loves MPC marketing and her process. [39:54] Initiating conversations with hard-to-reach roles. [47:04] What a support team looks like for big billers. [50:11] Quick Q&A on Katharine's operational structure and business model. [52:55] Katharine reveals the biggest challenges she had to face as a recruiter.   Three Key Elements When Building Effective Teams to Drive Company Growth   One key highlight in my conversation with Katharine is how she builds trust with clients and candidates when building teams in key projects. She fondly recalls how her first hires eventually became CEO and CFO, which makes her extremely proud. “So if I get a certain number, hey, we're looking for these, I just have to go find that soft skills, that personality, that desire, that career drive, whatever it is that they're looking for that will help drive the company's growth and change and hopefully last for a really long time.”   Katharine shared three critical elements when building an effective team that drives the company's growth:    Building trust - she emphasized the importance of understanding client needs and having honest conversations. Hustle - Katharine encourages showing up every day and committing to the craft.. Delivery & Execution - Katharine values getting the job done quickly and efficiently.   She concluded, “ But, yeah, it's, that combination of trust and hustle, delivery and execution is just such an important piece to what we do on a daily basis.”   Initiating Conversations with Hard-to-Reach Roles   Some recruiters struggle to reach hard-to-reach roles, such as CEOs and portfolio owners. This may only sometimes be the case for Katharine. When we discussed her approach to MPC Marketing, I learned that it enables her to connect with key roles like board members and CEOs. She shared a few tips on how she does this.   She shared that the caliber of talent will always get you the conversation. She thinks working with good talent (MPC) is important as it will likely get people interested. But this is not enough; you also need to get creative in getting your talent information across. She shared her conversation style to build trust, including using her personality and being genuine.    The other thing is the mindset. As we all know, doing campaigns is also a volume game. Katharine is very much aware of this: “A lot of people are never going to answer my phone or answer my calls. And I don't take offense to it. Some people are just not going to like me. Right. They're not going to want to work with me. I'm okay with that. So. But I'm going to keep trying. And you never know. Maybe I'll break through at some point.”   Katharine Reveals Her Biggest Challenge   I love stories of resilient recruiters, so I had to hear about Katharine's biggest challenges in her career. Most successful recruiters face the biggest challenges, and we can pick up nuggets of wisdom from their experience.   She shared how they were knocked out during COVID-19, but that did not stop her from working. She kept on talking to people, marketing candidates, and positioning herself. “So that was, you know, getting. Having the ability to continue to make those calls and show up, even though you're hearing no for six, seven, eight months? It was hard.”   What motivated her to stay in the game and keep pushing? “It was simple. I just knew any day could be the day to make that break. Eventually. I knew the dam was going to break. Right. I knew that people had hiring needs. I knew that people were looking for jobs or were not happy in their current roles. And I just knew that if I showed up every single day and did what I do, that at some point it was going to pay off.”   Our Sponsor This podcast is proudly sponsored by i-intro    i-intro® is an end-to-end retained recruitment platform. Their technology and methodology allow recruiters to differentiate themselves from the competition, win more retained business, bigger fees, and increase their billings. Their software combined with world-class training enables you to transition from transactional, contingency recruiter to consultative, retained recruiter. Instead of being perceived as a “me too” vendor, you'll be positioned as a “me only” solutions provider. Be sure to mention Mark Whitby or The Resilient Recruiter. Book your free, no-obligation consultation here: https://recruitmentcoach.com/retained   Katharine Wilcox Bio and Contact Info   Katharine Wilcox, President of Resource Mosaic, brings a unique blend of expertise and leadership to the world of executive search. With a background spanning from entertainment to accounting and finance, Katharine has a proven track record of connecting top talent with opportunities for growth.   Katharine joined Resource Mosaic in 2011 after 6 years with the Lucas Group as a Senior Partner on the accounting/finance executive search team in Atlanta. In 2022, she took on additional responsibilities and ownership of the firm as President.   At Resource Mosaic, Katharine specializes in recruiting exceptional accounting and finance professionals across the Southeast, while also supporting clients' leadership needs in various functions, including HR, operations, legal, and sales/marketing. Her approach is rooted in navigating complex challenges, identifying hard-to-find talent, and aligning leadership with business objectives. She is passionate about connecting talent and driving growth for companies in Atlanta and across the Southeast.   Beyond her professional achievements, Katharine can be found chasing around her 6-year old twins and serves on the Board of the Atlanta BeltLine Partnership, working to create a more connected and vibrant city. Originally from San Diego, she graduated from UCLA in 1999 with a degree in communication studies.   Katharine on LinkedIn Resource Mosaic website link   People and Resources Mentioned Monte Merz on LinkedIn Nate Zimmerman on LinkedIn Jen Meyer on LinkedIn The Pinnacle Society Connect with Mark Whitby Get your FREE 30-minute strategy call Mark on LinkedIn,  Mark on Twitter: @MarkWhitby Mark on Facebook Mark on Instagram: @RecruitmentCoach   Subscribe to The Resilient Recruiter If you've been enjoying the podcast, please take two minutes to leave a review. Your review is greatly appreciated because it helps us attract a bigger audience and help more recruiters.

It's said that we learn from mistakes, not success…but do you want to experience that with your retirement savings?No question, saving and investing for retirement is something you want to get right the first time. Mark Biller joins us today to help you avoid some of the most common retirement planning mistakes.Mark Biller is Executive Editor and Senior Portfolio Manager at Sound Mind Investing, an underwriter of Faith & Finance. Underestimating the Impact of InflationOne of the most common retirement-planning mistakes is underestimating the impact of inflation. Many fail to grasp the destructive power of inflation's compounding effect over time. For example, with a 3% annual inflation rate, a lifestyle costing $75,000 today will require $135,000 in twenty years. Understanding this helps retirees plan for sufficient income to maintain their standard of living.Investing Too ConservativelyAnother common mistake is investing too conservatively. While fixed-income instruments like CDs and bonds are important, they often do not keep pace with inflation. Retirees need to ensure their portfolios continue to grow by maintaining some exposure to stocks and equities to stay ahead of inflation.Overestimating Investment IncomeA realistic retirement plan should be conservative about projected returns. Withdrawing too much money too soon from retirement accounts can create problems later, especially with increased life expectancy. The general guideline is to withdraw no more than 4% annually from your portfolio, but this can vary based on individual circumstances.Underestimating LifespanMany people underestimate their lifespan when planning for retirement. Statistics show that a 65-year-old man has a 60% chance of living to age 85, and a 65-year-old woman has over a 50% chance of living into her 90s. Planning for at least two decades of retirement is essential to ensure financial stability.Forgetting to Account for Healthcare CostsHealthcare costs are a significant consideration in retirement planning. While Medicare covers many expenses for those 65 and older, it doesn't cover everything. Supplemental insurance plans, out-of-pocket expenses, and potential long-term care costs must be factored into retirement plans. Building a Health Savings Account (HSA) during working years can help fund later-life health costs.Utilizing Resources and Professional GuidanceDue to the many variables in retirement planning, avoidance of these common mistakes isn't always easy. Resources like MoneyGuide, a financial planning tool used by many advisors, can help by running "what if" scenarios. Additionally, seeking guidance from a financial professional, such as a Stewardship Advisor at SMI Private Client or a Certified Kingdom Advisor® (CKA), can provide valuable insights and help secure one's financial future.While retirement planning is complex and unpredictable, diligent preparation and utilizing available resources can significantly enhance financial security. Learning from others' mistakes can help you better navigate your path to a comfortable retirement.Read the article “Avoiding The Most Common Retirement-Planning Mistakes” from Sound Mind Investing to learn more. On Today's Program, Rob Answers Listener Questions:Do I tithe 10% of each paycheck I receive from my three jobs? Or do I tithe 10% of my weekly income regardless of how many paychecks I receive?My 401k is down over 51% from three years ago. Is there anything I can do to help it recover?Resources Mentioned:Avoiding The Most Common Retirement-Planning Mistakes (Sound Mind Investing Article)Sound Mind InvestingMoneyGuideRich 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.

Bill Belichick has himself a new girlfriend who definitely isn't in it for the money Follow the Sports Animal on Facebook, Instagram and X PLUS The Morning Animals on XListen to past episodes HERE!See omnystudio.com/listener for privacy information.

Measuring your company's economic influence drives self-motivation and is a powerful tool for marketing and business development. Jennifer Meyer of Govig Executive Search joins us in this episode to give insight on using specific metrics to measure your economic impact and how you can communicate it with potential clients.   Jen has a lifetime cash-in of $20M over her 26 years in the industry. She's the SVP of Strategic Partnerships at Govig & Associates, where she's at the helm of business development. She leads the overall team of 27 recruiters, actively front-facing with clients and playing a significant role in surpassing $14M in results.   Jen's recruitment efforts have been vital in assisting small to mid-size firms, particularly those under private equity, to double in size. Jen's placements have contributed to an economic impact exceeding $1B.   Episode Outline and Highlights   [01:51] Jen's start in the recruitment industry as a college intern. [10:09] Differentiating techniques in communication and business development. [19:06] “Speak to them in their language” [28:02] Training your team to apply the TSI (Targeted Sales Information) approach. [40:00] How to quantify your economic impact. [50:41] A boutique recruitment firm's differentiators against the bigger organizations. [54:53] Discussion on team development strategies. [59:18] Jen's take on work and life harmony.   Quantifying the Economic Impact of Your Recruitment Business   Measuring your company's economic impact can be significantly beneficial for at least two reasons. The first one is self-motivation; knowing how you contribute to the broader economy can positively impact and fulfill. The second one is on the marketing and business development side. It can help potential clients understand the bigger value you will bring to their organization.    Jen shared how she is able to track her placement's economic contribution using specific metrics. Her placements overall have contributed to more than $1B in economic impact. She shared their formula: “We always talk about the size of our billings or our business in relation to what were invoicing or what our split was in relation to cash in. But we really should be talking about the salaries of the people that we place, you know, if you were going to relate it that way…Yeah, it does go beyond that, though, where you are at the, you know, again, at the basic level, you are affecting the person, and you're affecting the hiring manager. So that could be a times two, right?”   Here is a takeaway: Start trying to calculate the individual impact you're having in the world, particularly the positive impact you're having for your clients, and try to quantify that. If you have the appetite, even go back in history and try to work it out. But even just starting right now, try and figure out what difference you're making because that's really motivating!   Differentiating in the Business Development Side   A key topic I wanted to discuss with Jen is how she is able to differentiate, especially on the client acquisition and business development side of things. Jen has always been consistently recognized as a top performer in her career. I wanted to pick her brains on her approach when it comes to communicating with potential leads and candidates, and she surely did not disappoint. Jen revealed specific tips and verbiage that you may want also to use. Here are some key takeaways:   Focus on authenticity and listening more by asking curious questions. Avoid typical questions like “Can I help you?” or “How are you doing?” Use power phrases such as “Are you in a place where you can talk confidentially?” or “I've only got a minute” instead of “Have you got a minute?” The effective use of body language.   She explained, “Whether you're 30 minutes into the business or you're 30 years into the business, everybody is saying the same thing and overcoming objections in the same way. So what can you do that just sounds different? You know what I mean? And I think if you think about it from a perspective of what that person is going to hear based on their world helps you...And so if you speak to them in their language, they get it.”   You will also hear Jen's insights on developing her team to elevate their levels on the business development side, which is quite similar to the TSI (Targeted Sales Information) approach.   Team Development Strategies as a Billing Manager   A billing manager is a critical and challenging role in a recruitment firm. The role entails ensuring individual profitability while leading your team to do the same. Jen has been passionate about mentoring and developing her people, so I wanted to hear her methods in helping her team be successful. Jen elaborated on the following topics:   Consistent deskside training. Real-time feedback and call reviews. The importance of teaching structure. Listening for opportunities in candidate interviews. Using a checklist.   Our Sponsor   This podcast is proudly sponsored by i-intro    i-intro® is an end-to-end retained recruitment platform. Their technology and methodology allow recruiters to differentiate themselves from the competition, win more retained business, bigger fees, and increase their billings. Their software combined with world-class training enables you to transition from transactional, contingency recruiter to consultative, retained recruiter. Instead of being perceived as a “me too” vendor, you'll be positioned as a “me only” solutions provider. Be sure to mention Mark Whitby or The Resilient Recruiter. Book your free, no-obligation consultation here: https://recruitmentcoach.com/retained   Jennifer Meyer Bio and Contact Info   Over the past 26 years, Jen has been a guiding force, significantly influencing numerous organizations and professionals. She has generated over $20M in cumulative cash-in, contributing to an economic impact exceeding $1B. This remarkable achievement includes the highest fee, which is over $300k. Currently serving as the SVP of Strategic Partnerships at Govig & Associates, Jen plays a crucial role in propelling the company forward. She's at the helm of business development and leads the overall team of 27 recruiters, actively front-facing with clients and playing a significant role in surpassing $14M in results.   Jen's professional journey began with a 6-year tenure at an MRI office, where she consistently ranked in the top 10% among approximately 5000 recruiters at that time. She then co-founded North Coast ExecuSearch, Inc., where she served as a billing manager for 14 years, maintaining a position in the top 50 out of 750 offices worldwide. Jen's recruitment efforts have been vital in assisting small to mid-size firms, particularly those under private equity, to not only meet but also exceed their growth objectives, with several doubling in size and achieving revenues over $1 billion.   Jen's work ethic is not driven by the desire for accolades but by a deep-seated passion for mentorship and forging lasting relationships. She believes in the collective improvement of the industry, emphasizing the importance of recognizing recruiters as valuable consultants and ensuring they are compensated fairly for their expertise. Her remarkable career is enhanced with numerous accolades, including her 24-time recognition as a "Pacesetter" Award Winner, her induction into the Hall of Fame and The Ring of Honor within the MRINetwork, and receiving the prestigious Alan R. Schonberg Lifetime Achievement Award for her revenue contributions and character and her acceptance to the Pinnacle Society over a year ago.  Not to mention she is very active in a commitment to community service, most recently acting as the President of the MRINetwork Charitable Foundation, where she led the board to raise money for Shriners Hospitals for Children.   As Jennifer shares her insights, her quiet confidence, impressive achievements, and unwavering dedication to talent development serve as a powerful reminder of the influence we can all have in shaping the futures of many.   Jen on LinkedIn Govig Executive Search website link Govig on Facebook   People and Resources Mentioned   Katherine Jerald on LinkedIn Brent Orsuga on LinkedIn Crelate   Related Podcast You Might Enjoy   TRR#178 Top Producing Recruiter Reveals How to Win and Develop Key Accounts, with Katherine Jerald TRR#218 How Grit and Determination Fueled a $2M Recruitment Firm's Success, with Brent Orsuga   Connect with Mark Whitby Get your FREE 30-minute strategy call Mark on LinkedIn Mark on Twitter: @MarkWhitby Mark on Facebook Mark on Instagram: @RecruitmentCoach   Subscribe to The Resilient Recruiter If you've been enjoying the podcast, please take two minutes to leave a review. Your review is greatly appreciated because it helps us attract a bigger audience and help more recruiters.

How do you know if your role is classified as a Coder or a Biller? Coders typically work in the back end of the facility, focused on interpreting medical records and assigning appropriate codes. Billers interact directly with patients, collecting payments and entering patient information into the appropriate systems. However, there is also a crossover […] The post Are you a Coder or a Biller? appeared first on Terry Fletcher Consulting, Inc..

The financial industry has been undergoing a remarkable transformation, a topic comprehensively discussed in the latest podcast episode featuring Sarah Biller, Co-Founder of Fintech Sandbox. In a world increasingly driven by digital innovation, data has become the lifeblood of financial technology growth. This growth is not only reshaping the way we think about finance but also integrating tech into sectors as diverse as healthcare and the automotive industry.Sarah's journey is as fascinating as it is insightful, starting from her roots in West Virginia and culminating in her significant contributions to the Boston entrepreneurial ecosystem. She has been instrumental in aiding fintech startups to flourish by providing invaluable data access—ranging from market tick data to eclectic weather patterns—free of cost. This initiative supports the startups' growth at a critical stage, without the hindrance of data procurement expenses.Moreover, the episode touches upon the values of community and collaboration. These values are ingrained in Sarah's approach to fostering a supportive environment where entrepreneurs can connect and thrive. It's this belief in the collective that underpins the podcast discussion, as it reveals how financial services can seamlessly merge into various industries to optimize transaction experiences and enhance risk assessments.

Welcome solo and group practice owners! We are Liath Dalton and Evan Dumas, your co-hosts of Group Practice Tech.   In our latest episode, we're answering a question we frequently get: What are the HIPAA considerations when you have an outside biller for your group practice?   We discuss the threat landscape scenario of outside billing; whether you need a BAA with your biller; who should provide the BAA; what should and shouldn't be in a BAA; and the difference between a Service Level Agreement and a BAA, and when to use each.   Listen here: https://personcenteredtech.com/group/podcast/   For more, visit our website.

Sarah Biller, co-founder of Fintech Sandbox, VC investor and board member and American Banker Top 20 Most Influential Women in Fintech, I spoke to Rudolf Falat, founder of the Voice of FinTech podcast, about data accessibility and how her initiative, Fintech Sandbox, helps.Sarah talked about her journey and how she got involved in the start-up ecosystem. During the podcast, she provided an overview of  Vantage Ventures and Fintech Sandbox, including what sets them apart and their unique focuses. She also covered her key themes for investing and helping to build businesses: financial inclusion, diversity, and digital identity. Sarah also shared her best tips for entrepreneurs to grow their companies. Further, Sarah also explained why data accessibility is crucial for scaling up FinTechs and how Fintech Sandbox helps.Favorite book: The Creative Act: A Way of Being by Rick RubinThe best way to reach out: check out Sarah Biller on LinkedIn

Episode Topic: Welcome to an insightful episode of PayPod. We get into the transformative power of women in fintech for social change, with Sarah Biller, from Mass Fintech Hub, exploring how they leverage technology to reshape financial services and empower underserved communities. The discussion emphasizes the crucial role of women in fintech for social change. Sarah discusses how fintech is not merely a sector within technology but a pivotal tool for advancing societal benefits, from improving access to financial services to enhancing sustainability efforts globally. Lessons You'll Learn: Throughout this episode, listeners will discover the significant impacts of women in fintech for social change, that have on both the industry and broader social issues. Sarah Biller shares her experiences and insights on how she is pioneering innovations that address critical challenges like poverty alleviation and economic inclusivity. You'll learn about the intersection of technology and finance from a gender perspective and how it fuels progressive changes that benefit a wide range of stakeholders, particularly in developing regions. About Our Guest: Sarah Biller is a well-recognized figure in the financial technology world. She is known for her extensive background spanning several high-profile roles in the fintech ecosystem. Including co-founder of FinTech Sandbox and The Mass Fintech Hub, Sarah has dedicated much of her career to promoting the role of "women in fintech for social change." Her work emphasizes the importance of diversity in leadership within the financial sector and how it can lead to more comprehensive and innovative solutions in financial technology. Topics Covered: This episode covers a broad spectrum, focusing on how fintech can be a force for good. From discussing the evolution of financial technologies by women in fintech to exploring specific case studies, have made a significant impact. Sarah Biller guides us through various aspects of the industry. We delve into subjects such as digital transformation in banking, the role of AI in finance, and how emerging technologies are being used to foster economic empowerment and sustainable development through fintech innovations led by women. Checkout our website- https://www.soarpay.com/

Building a scalable recruitment business that operates seamlessly even without recruiters' direct involvement should not be just a dream—but a tangible goal. Balraj's achievement with Envision Education serves as a testament to what can be accomplished through strategic planning and execution. Today's episode explores how recruiters can build high-performing teams and a scalable business with a special guest, Balraj Guraya. As the founder and director of Envision Education, Balraj has not only grown the company into a high-performing team of 23 individuals but also strategically positioned himself to focus solely on scaling the business by replacing himself in the hands-on role in 2022 Tune in to gain valuable insights from Balraj's unique approach and what's working and not in building a scalable business that can thrive even when the founder isn't in the driver's seat. Episode Outline And Highlights [01:46] Why Balraj got into recruitment and started Envision Education  [05:20] How Balraj began his business and how things worked in the first year [08:07] The biggest challenges Balraj encountered before building a team [12:04] The key milestones of growing a team from 2 to 23 people  [15:06] How to structure the interview process and get the right people onboard [22:37] Ways to structure your team and create an excellent candidate journey  [20:45] Steps to building a recruitment business that runs without you  [33:20] What contributes to creating a high-energy environment   [44:23] How to hire right and create a smooth transition into your culture [48:28] The key to building successful business partnerships with Rec2Rec  [55:42] What candidate's journey is all about, and how it works  [59:11] How to design, roll out, and improve processes for scale  [01:02:04] Tip to conquer staff turnover and self-doubt as a business owner How to Become a Manager and a Leader and Build Confidence in Your Effectiveness During our discussion, Balraj and I discussed his recruitment strategies at Envision Education. Founded in 2014, Envision Education addresses staffing shortages in Primary, Secondary, and Special Schools across London and the home counties. Balraj's vision has led Envision Education to become a high-performing team of 23 individuals. His journey includes transitioning from a hands-on role as a builder in 2022 to focus on scaling the business.   Balraj shares six key principles for recruiters aspiring to become effective managers and leaders in their business.    Self-motivation: As a recruiter, Balraj shares that you have to be very self-motivated and have the drive, energy, and focus to grow your business in the beginning to build a strong foundation for growth and expansion. Be consistent: Balraj emphasizes maintaining a steady workflow and understanding that success takes time and effort. It's not going to be an overnight achievement. So be consistent, produce the right quality and quantity of activity, and stay motivated.  Willingness to make mistakes: Recruitment takes work. It takes resilience, courage, and a willingness to put yourself out there, try uncomfortable things, make mistakes, and embrace them as learning opportunities. Get the right people on board: Balraj emphasizes the pivotal role of team composition in driving success. He explains the importance of recruiting people who align with the company's values and attributes and possess the necessary skills to contribute meaningfully to the team's objectives. Having the right people on board is a game changer. It's the difference between success and failure. Structure your team: Structuring allows individuals to maximize their strengths and enhance overall performance. According to Balraj, structuring your team will help the team keep up and improve your turnover.   Coaching and development. Balraj highlights the importance of ongoing coaching and development in building a great team. Rather than solely focusing on placements, he emphasizes sharing knowledge and nurturing talent within the organization.   Ultimately, running a business transcends mere profitability; it represents a journey of personal development and collective growth—the continuous evolution of oneself and the team. Steps to Building a Recruitment Business That Runs Without You   Balraj shares invaluable insights into transitioning a recruitment business from a one-person 360 operation to a structured departmental setup, effectively replacing oneself in key roles. The key to this evolution lies in making strategic and sometimes costly decisions, recognizing that letting go of control is essential for scalability. Central to this process is:    Finding some key people you can trust: Find people you can trust, people who treat your business as more than just a job and are excited about helping your business succeed. They are the backbone of your business, embodying a commitment to its success beyond personal gain. Have some high performers who you are consistently billing. Nurturing a cadre of high performers is critical for sustaining momentum and driving growth. These individuals excel in their roles and embody the energy and drive necessary to propel the business forward, even in the absence of its founder. Design a structured, clear career ladder: According to Balraj, this is one of the best things you can do within your business as a recruiter. Designing and implementing a structured career ladder from the outset provides clarity and direction for employees within the organization. The framework creates professional development and instills a sense of purpose and belonging among the team. Create a high-energy environment: Creating a vibrant, high-energy environment is key to enhancing engagement and cohesion within the team. Balraj emphasizes the need for regular team briefs and goal-setting sessions to align everyone with the company's vision and objectives.  Appreciation: Show appreciation not just to the sales team making the placements but to everyone, including the compliance team and the resource team. They are important in the work they do. Appreciation for all reinforces the value of every team member's contribution. Work on what is most important: Balraj's "4 Ds" approach—Do, Defer, Delegate, Delete—provides a framework for delegating tasks and freeing up time to focus on strategic initiatives. Investing in the sales team and expanding recruitment consultant roles are essential steps before relinquishing direct involvement in day-to-day operations. Develop processes: designing and implementing processes is indispensable for scalability. Balraj advocates for hiring or partnering with individuals possessing complementary operations skills to ensure the efficient execution of tasks and the seamless functioning of the business.   Scaling a recruitment business beyond the founder's requires strategic planning, delegation, talent cultivation, and process optimization. Embracing these principles paves the way for scale, sustainable growth, and long-term success.    Our Sponsor   This podcast is proudly sponsored by i-intro    i-intro® is an end-to-end retained recruitment platform. Their technology and methodology allow recruiters to differentiate themselves from the competition, win more retained business, bigger fees, and increase their billings. Their software, combined with world-class training, enables you to transition from transactional, contingency recruiter to consultative, retained recruiter. Instead of being perceived as a “me too” vendor, you'll be positioned as a “me only” solutions provider. Be sure to mention Mark Whitby or The Resilient Recruiter. Book your free, no-obligation consultation here: https://recruitmentcoach.com/retained   Balraj Guraya Bio and Contact Info   Balraj is the founder and director of Envision Education, a recruitment firm he established in 2014 to address staffing shortages in schools across London and the home counties particularly within special needs education. Barlaj has grown Envision education to a high performing team of 23 people and was able to replace himself as a builder in 2022 so he can concentrate on scaling the business.   Balraj on LinkedIn Envision Education Website link  Resources and People Mentioned Ravi Tangri on LinkedIn Connect with Mark Whitby Get your FREE 30-minute strategy call Mark on LinkedIn Mark on Twitter: @MarkWhitby Mark on Facebook Mark on Instagram: @RecruitmentCoach   Subscribe to The Resilient Recruiter   If you've been enjoying the podcast, please take two minutes to leave a review. Your review is greatly appreciated because it helps us attract a bigger audience and help more recruiters.

What is the risk of playing it too safe? That does seem like a bit of a riddle, but we can start to make sense of it by first exploring a behavioral phenomenon called “loss aversion.” Researchers have found that most people feel the pain of losing money roughly twice as strongly as the joy of gaining money. To say it again clearly: losses feel twice as bad as gains feel good. This naturally causes many people to be “loss averse” and try to avoid losses, sometimes to such a substantial degree that it undermines their long-term goals. One of the trickiest parts of investing is taking enough risk to meet your long-term goals without taking more risk than necessary. There are very tangible steps we can take to reduce or mitigate risk—things like maintaining an emergency savings fund to minimize the risk of a financial emergency, such as a job loss or an unexpected major expense. When it comes to investing, diversifying your holdings rather than putting all your eggs in one basket is an example. Can someone be too risk-averse? Sometimes, we actually increase our long-term risk by playing it too safe. One example is young people not investing aggressively enough, letting the opportunity for long-term compounding slip away.This is ironic because young people are often stereotyped as inherently bold risk-takers. We read stories about them buying meme stocks, Bitcoin, and other risky investments. But the broad research on Gen Z — adults ages 27 or younger — doesn't back that up. A recent national study found that Gen Zers are the least financially confident generation and 57% think savings accounts are the best way to invest their money. Most financial pros would agree that savings accounts are an extremely conservative choice for those with several decades of investing time ahead of them.Even the next age demographic, the Millennials (ages 28 to 43), appear to be surprisingly risk-averse. A different Schwab study last year found that Millennials were especially interested in bonds. Bonds are generally the favorite of retirees, not 28-to-43-year-olds. These surveys indicate that younger investors are arguably too loss-averse and are making investing choices that are likely to impair their ability to build long-term wealth significantly. It's fair to point out that previous generations didn't have that same inclination when they were younger and less experienced investors. There's a disconnect between making a safe 5% in a savings account or bond today and not recognizing the impact inflation is likely to have on that relatively low rate of return. Young people should target the higher returns of stocks over the decades they're saving for retirement so they can grow the purchasing power of their savings at a faster rate than inflation over the course of their careers. What are you seeing with new retirees? Retirees often fall into the same trap. A 65-year-old new retiree who has all her retirement savings in cash told us she could live just fine on Social Security and the $450 she took out of her retirement savings each month. When we asked how long her savings would last if she kept taking out $450 each month, she knew the answer immediately—a little more than 25 years.She had run the numbers and thought she was in good shape. But she isn't because she failed to factor in the rising cost of living. Because of inflation's corrosive power, $450 will buy far less in the future than it does today. That means her standard of living will decline steadily as the years pass. That investor doesn't want to take any risk. But ironically by playing it so safe, they aren't just risking the possibility of financial trouble down the road, they're guaranteeing it.How do we prevent that from happening?Investors normally need to accept some degree of risk to prepare for the future. That typically means maintaining at least some exposure to stocks even after retirement age, because these days, a person needs to plan for a retirement that could last 20 to 30 years. Dialing in that “not too much risk, but just enough” balance is tricky. A good financial advisor or a service like Sound Mind Investing can really help a person figure out an appropriate level of risk and translate that into a portfolio of stock and bond investments. We're not a big fan of annuities in most cases, but in the case of the new retiree previously discussed, even an extremely conservative step like buying an annuity with an inflation rider would likely provide her with a higher monthly income while also locking in some inflation protection. So, there are usually things that can be done, as long as a person recognizes the risk of playing it too safe. What is a better approach in a situation like this?Mark typically desires SMI investors to have a closer to a 50-50 blend of stocks and bonds as they hit retirement age. If the numbers work, a conservative investor like this might be able to reduce that to 20 to 30% in stock mutual funds or ETFs, with most of the rest in fixed-income securities. Keeping that little stock growth exposure is one way to improve the odds of having enough money in your later years. Again, we don't take on extra risk just to grow the most giant pile of money possible, but we need our returns to be higher than inflation to protect our purchasing power. For most people, that means taking some risk. Yes, try to reduce that risk over time, and don't take more risk than you need. Recognizing taking too little risk over the long haul can ironically be as damaging as taking too much risk. We have to weigh the risk of action against the risk of inaction.Investment risk certainly should be managed and minimized to whatever degree. No one gets bonus points for taking more risks than they need to. However, sometimes the riskiest thing you can do is play it too safely.On Today's Program, Rob Answers Listener Questions:I wanted to move some money from a regular annuity into a Donor Advised Fund (DAF). Do you have any funds that you recommend? I'm calling about a widow that I represent. She sold her small farm property. Her income is so low that she hasn't paid any taxes over the past 10-11 years. Is she going to have a big tax liability on selling this property? I have some questions regarding a solar roofing system. Our home is paid for and our insurance company said we need a new roof due to wind damage. We would like to incorporate a solar roofing system when we install the new roof since we would qualify for a 30% tax credit. Is the 35-40% offset on the solar roof worth it as a return on investment for our home?Resources Mentioned:The Risk of Playing It Too Safe (Sound Mind Investing Article)Project SunroofNational Christian FoundationRich 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 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.

Mark Biller is Executive Editor at Sound Mind Investing, a longtime underwriter of this program. WHAT IS THE IMPORTANCE OF A RETIREMENT PLANNING CHECKLIST?Comparing retirement planning to a preflight checklist underscores the critical importance of preparation. Just as pilots meticulously ensure the safety of their flight, individuals approaching retirement need to assess various aspects of their financial life to ensure a smooth transition into retirement. This analogy highlights the need for thoroughness and attention to detail in retirement planning, especially for those within a decade of their planned retirement date.A retirement planning checklist serves as a comprehensive review to ensure all financial aspects are in order for a secure retirement.Such preparation is crucial for a safe transition to a post-paycheck lifestyle, minimizing potential financial turbulence.The checklist approach encourages individuals to address and rectify any financial concerns well before retirement, promoting peace of mind. HOW DO YOU DETERMINE YOUR INTENDED RETIREMENT AGE?Setting an intended retirement age is the foundational step in retirement planning. This decision, while seemingly straightforward, involves complex considerations including personal health, job satisfaction, income needs, and eligibility for health insurance benefits. It's a deeply personal choice that requires introspection, prayer, and discussion, particularly for those in a partnership.Choosing a retirement date involves weighing personal preferences, financial readiness, and health considerations.It's advisable to seek divine guidance and engage in open discussions with a spouse to align on future expectations.Retirement age, while influenced by societal norms, should ultimately reflect one's unique life circumstances and aspirations. WHAT FACTORS INFLUENCE THE REALISM OF YOUR RETIREMENT AGE?A notable gap often exists between the age people intend to retire and when they actually do, primarily due to unforeseen health issues or family obligations. Despite many workers aiming to retire past 65, reality shows a majority retire earlier. This discrepancy emphasizes the importance of flexible retirement planning, accounting for potential early retirement due to health declines or caregiving responsibilities.Statistics reveal a disparity between expected and actual retirement ages, suggesting many are overly optimistic about working into their late 60s.Planning for an earlier retirement age than desired can provide a financial safety net, allowing for adjustments if circumstances change.Acknowledging the unpredictability of future health and caregiving needs is crucial in setting a realistic retirement timeline. WHY IS ESTIMATING A RETIREMENT BUDGET CRUCIAL?Developing a retirement budget involves estimating future expenses and income to ensure financial stability in retirement. This task can be complex, as certain costs may decrease (e.g., commuting expenses) while others, like healthcare or leisure activities, might increase. Understanding these shifts is vital for creating a budget that reflects the changing nature of expenses through the retirement years.Accurately estimating retirement expenses is critical for financial planning, acknowledging that some costs will decrease while others may rise.It's important to consider the evolving nature of retirement expenses, from active early years to potentially more sedentary later years, and plan for healthcare costs accordingly.Regularly revisiting and adjusting the retirement budget is recommended to reflect real-world spending and income changes. THE SIGNIFICANCE OF BEING DEBT-FREE AT RETIREMENTAchieving a debt-free status by retirement significantly enhances financial freedom and reduces stress. This goal includes paying off mortgages, car loans, and any other debts. A debt-free retirement simplifies cash flow management, allowing for a focus on living expenses and leisure activities without the burden of debt repayments.Eliminating debt before retirement is crucial for optimizing retirement income and minimizing financial stress.Strategies such as accelerated mortgage payments can ensure debt obligations are fulfilled before retirement, offering peace of mind.Being debt-free enhances the ability to enjoy retirement fully, with more resources available for travel, hobbies, and unforeseen expenses. ON TODAY'S PROGRAM, ROB ANSWERS LISTENER QUESTIONS:At 31, having had several jobs with different retirement benefits, I'm struggling to keep track of all my money and wonder if I should get a financial advisor to help with a financial plan and investment strategy.Owning multiple properties in different states, I'm considering how best to leave them to my children and wonder if a will or a trust would be more appropriate for efficient wealth transfer. 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 as well as American Family Radio. Visit our website at FaithFi.comwhere you can join the FaithFi Community, and give as we expand our outreach.  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.