Podcasts about Biller

After more than a decade of crossing paths at conferences and following each other's work, Theodora Lau finally gets the opportunity to host Sarah Biller, Co-Founder & Member Board of Directors of Fintech Sandbox, and Bank Director and Investor of Thread Bank, on the One Vision Podcast. In this episode, Sarah talks about building innovation ecosystems beyond traditional hubs, including her work in West Virginia and the influence of leaders like Brad Smith and John Chambers. Sarah describes what she looks for in founders. It's about digging deep, listening closely, and finding solutions that truly matter. The conversation turns to AI's rapid adoption in financial services, the shift to agentic AI, risks of replacing human judgment in regulated credit decisions, and the need to prioritize understanding and human-centered outcomes over speed and efficiency. The real constraint on a better financial future isn't AI, it's data, and whoever controls access to it controls the upper hand. And the episode closes on something both Sarah and Theo keep returning to in their work: the fragility of the household balance sheet, the millions of Americans who are one flat tire away from financial distress, and the choice in front of an AI-enabled industry — to widen that gap, or close it.If AI is the most transformative technology any of us will see in our lifetimes., whose financial future are we actually building?

After more than a decade of crossing paths at conferences and following each other's work, Theodora Lau finally gets the opportunity to host Sarah Biller, Co-Founder & Member Board of Directors of Fintech Sandbox, and Bank Director and Investor of Thread Bank, on the One Vision Podcast. In this episode, Sarah talks about building innovation ecosystems beyond traditional hubs, including her work in West Virginia and the influence of leaders like Brad Smith and John Chambers. Sarah describes what she looks for in founders. It's about digging deep, listening closely, and finding solutions that truly matter. The conversation turns to AI's rapid adoption in financial services, the shift to agentic AI, risks of replacing human judgment in regulated credit decisions, and the need to prioritize understanding and human-centered outcomes over speed and efficiency. The real constraint on a better financial future isn't AI, it's data, and whoever controls access to it controls the upper hand. And the episode closes on something both Sarah and Theo keep returning to in their work: the fragility of the household balance sheet, the millions of Americans who are one flat tire away from financial distress, and the choice in front of an AI-enabled industry — to widen that gap, or close it.If AI is the most transformative technology any of us will see in our lifetimes., whose financial future are we actually building?

Wird die jüdische Gegenwartsliteratur übersehen? Autor Maxim Biller hat das der deutschen Literaturwissenschaft in einer polemischen Kolumne vorgeworfen. Unser Redakteur Kais Harrabi hat Billers These überprüft. Harrabi, Kais www.deutschlandfunkkultur.de, Lesart

Wird die jüdische Gegenwartsliteratur übersehen? Autor Maxim Biller hat das der deutschen Literaturwissenschaft in einer polemischen Kolumne vorgeworfen. Unser Redakteur Kais Harrabi hat Billers These überprüft. Harrabi, Kais www.deutschlandfunkkultur.de, Lesart

Wird die jüdische Gegenwartsliteratur übersehen? Autor Maxim Biller hat das der deutschen Literaturwissenschaft in einer polemischen Kolumne vorgeworfen. Unser Redakteur Kais Harrabi hat Billers These überprüft. Harrabi, Kais www.deutschlandfunkkultur.de, Lesart

Over the past decade, U.S. stocks have been the center of the investing universe. And for good reason—the U.S. market remains one of the strongest and most influential in the world. But wise investing is not simply about looking at where the market has been. It also means asking where opportunities may be emerging next. That raises an important question: Should investors consider looking beyond U.S. markets? On today's show, Mark Biller, Executive Editor and Senior Portfolio Manager at Sound Mind Investing, says the answer is worth careful consideration. While U.S. stocks remain important, global markets, currencies, and economic leadership are always changing. For investors seeking wise diversification, international investing may deserve a closer look. Why Consider International Investing? Historically, one of the main reasons to own international stocks has been diversification. Decades ago, foreign markets often moved more independently from U.S. markets. When U.S. stocks struggle, international stocks might perform better, helping smooth out a portfolio's ups and downs. That benefit has diminished somewhat as globalization has grown. Today, U.S. and foreign markets often move in the same general direction. But diversification is still not the only reason to consider investing abroad. Another reason is opportunity. Many strong companies are based outside the United States. Investors who focus only on domestic markets may miss out on growth taking place in other parts of the world. There is also a broader market-cycle consideration. U.S. and international stocks tend to trade leadership over long periods. One may outperform for a decade or more, and then the pattern can shift. After roughly 15 years of strong U.S. market leadership, foreign stocks may be positioned to become more competitive again. The U.S. Market Is Strong—But Not Permanent The U.S. economy remains the largest and strongest in the world. America benefits from deep capital markets, natural resources, innovation, and relative political stability. Still, Mark points out that U.S. financial assets have been “punching above their weight” for some time. U.S. stocks currently represent a much larger share of global stock markets than the U.S. represents of global economic output. That does not mean U.S. stocks are destined to decline. But it does suggest that today's level of dominance should not be assumed to last forever. The global economy is shifting toward a more multipolar world, where economic leadership may be spread more broadly across regions. If foreign investors begin directing more capital toward their home markets, international stocks could benefit. Why the Global Economy Matters One of the most important distinctions investors should understand is the difference between global stock market share and global economic output. According to Mark, U.S. stocks represent about 64% of the global equity market, while the U.S. share of global economic production is closer to 15%. That is a significant gap. There is no rule that a nation's stock market share must match its share of global economic activity. But those numbers have shifted over time, and there is no guarantee that the current U.S. share of global markets will remain this high indefinitely. For investors, this means it may be wise to pay attention to where economic growth is happening outside the United States—especially in emerging markets. The Opportunity—and Risk—of Emerging Markets Emerging markets can offer significant long-term growth potential. These countries often have growing populations, rising standards of living, and expanding economies. But that potential comes with higher volatility. Capital can move quickly in and out of emerging markets, creating larger swings in performance. Investors should understand that while the long-term growth story may be compelling, the risks are also greater. For that reason, emerging markets should generally be approached thoughtfully, as one part of a diversified strategy—not as a speculative bet. The Role of Currency Currency also plays an important role in international investing. Most Americans earn and spend in dollars, so they may not think much about exchange rates unless they travel internationally or buy foreign goods. But for investors, currency movements can have a meaningful impact. When a U.S. investor buys foreign stocks, returns are influenced by two factors: the performance of the foreign market and the movement of that country's currency against the U.S. dollar. If the foreign currency strengthens against the dollar, it can enhance returns for a U.S. investor. If it weakens, it can reduce returns. That means international investing is not just about foreign companies—it also involves exposure to global currencies. How Investors Can Add International Exposure For most investors, mutual funds and exchange-traded funds are the simplest ways to add international exposure. These vehicles provide diversification across many companies and markets. There are several categories to understand. World funds can invest anywhere around the globe, including the United States. Investors should examine them carefully because some may still hold a large percentage of U.S. stocks. Foreign funds focus primarily on companies outside the United States. These offer more direct international exposure. Regional and country-specific funds focus on specific regions of the world. These may offer targeted exposure but usually come with greater risk. Emerging market funds focus on developing economies with higher growth potential and higher volatility. Each type of fund carries different levels of diversification and risk, so investors should consider how each fits within their broader financial plan. What About China? China presents a complicated picture for investors. The country has experienced tremendous economic growth, but its stock market has not always reflected that growth as investors might expect. Government involvement, market controls, and geopolitical concerns also create additional risks. Because of those factors, some investors choose to limit or avoid exposure to China while still investing in other emerging markets. Mark notes that Sound Mind Investing takes this approach by using emerging-market strategies that exclude China. How Much International Exposure Makes Sense? There is no single percentage that fits every investor. The right amount depends on goals, risk tolerance, time horizon, and the rest of the portfolio. Still, Mark suggests that many U.S. investors may be underexposed to international markets. As a general starting point, many diversified strategies might allocate roughly 15% to 25% of the stock portion of a portfolio to international assets, with flexibility to adjust based on market conditions. The key is not to chase trends or overreact to recent performance. It is to build a thoughtful, diversified portfolio that recognizes both the strength of U.S. markets and the opportunities developing around the world. On Today's Program, Rob Answers Listener Questions: How can I trust God without saving too much, while still preparing wisely for retirement? Is it okay to save for retirement, and what should that look like? I've also been struggling with tithing. I often hear that I should give 10%, but that can be difficult. How should I think about tithing so my heart is in the right place? I'm helping my son and daughter-in-law buy their first home. Is PMI required for any first-time homebuyer who puts less than 20% down? Resources Mentioned: Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner) Sound Mind Investing (SMI) Diversifying Abroad: A Primer on International Investing by Mark Biller (Article on SoundMindInvesting.com) Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship by Rob West Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor® (CKA) FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Tony O'Neill surfs 200 days a year, runs an executive search firm from the Pacific coast of Costa Rica, and lives a life most agency owners assume they have to retire before earning. Here's the part no one talks about: it didn't come from selling the business or stepping back from the desk. He's still billing, still in Pinnacle Society conversations, and still committed to another fifteen years in the seat. The life came from a decision he made fifteen years ago to reverse-engineer everything and to build a brand, not a search firm.  This conversation is the playbook. Tony walks through the brick wall he hit in year one, the consultants who saved his business, and why he chose an outdoor sporting goods niche his mentors told him was too small. He explains why he switched from contingent to retained in year three, why he refuses contingent work today even with the perfect candidate already in his inbox, and why owning the client relationship is the non-negotiable that separates high-performance firms from everyone else. Then he breaks down the 2024 pivot that added over six figures to his revenue. When his niche got hit, he called every past client to ask how he could improve, and got certified in DISC and Predictive Index. He built behavioral assessments into his proposals with an extended warranty, priced them higher than felt comfortable, and turned them into a recurring revenue line. His framing for clients: two-thirds of hires industry-wide are bad hires, and the assessment moves the customer from a .333 batting average to .500. MILLEE — The judgment that separates big billers the reframe that regains control of a stalling process, the move when a candidate goes quiet — usually takes years on the desk. Millee analyzes every live deal and builds the exact strategy you need, powered by a curated knowledge base from elite recruiters. It's encoded intuition. Before every call you get sharp contextual preparation. In your inbox, high-caliber emails are already drafted. Users save an hour a day on email alone. Try Millee free for 30 days: https://www.millee.ai/ ATLAS — The resume never tells the full story. Candidates share what really matters in conversations: motivations, salary expectations, plans to relocate. Most of that ends up buried in notes. Atlas captures every conversation automatically and turns it into something you can use. With MagicSearch, you can ask "who talked about wanting a four-day week" or "who's open to relocating next year" and pull answers from your entire database instantly. Atlas customers report over 40% EBITDA growth and over 80% increase in monthly billings after adopting the platform. Unlock your exclusive listener offer: https://recruitwithatlas.com  What You'll Learn: Why Tony refuses contingent work, even when the perfect candidate is already in his inboxThe brick wall every new search firm owner hits in year one and the consultants who break itHow he chose a "too small" niche and built a brand recruiters confuse for a sporting goods companyThe 2024 pivot that added six figures: DISC, Predictive Index, and extended warranties built into the proposalWhy two-thirds of hires industry-wide are bad and how to get your client to bat .500Tony's daily operating system: 10am-3:30pm prime selling time, sauna, cold plunge, algorithm starvationThe two books behind the business: Million Dollar Consulting and The Four AgreementsWhy "freedom requires discipline" is the principle every search firm owner has to internalize first   Connect with Tony O'Neill on LinkedIn: https://www.linkedin.com/in/outdoorindustryrecruiter/

Kevin Biller has been a leader in the powder coating industry for nearly five decades as director of ChemQuest Powder Coating Research (Columbus, Ohio), the author of the "Ask Joe Powder" advice column and host of its corresponding podcast and a technical editor with Powder Coated Tough, among other numerous roles throughout his career. Last year, the Powder Coating Institute inducted Biller into its Hall of Fame. We recently caught up with him to hear about his experiences and his insights into where the industry is headed.

Let's talk about the money you're not collecting.

Two million-dollar billers. A $4 million book. They walked away from all of it — at the peak of their performance — because they believed most recruiters were about to learn the hard way that AI doesn't save careers. It exposes the ones built on shaky ground.

How much can you safely spend in retirement without running out of money? It's one of the biggest questions retirees face. For years, many people have looked to the well-known “4% rule” for guidance. But as helpful as that rule may be, it's not as simple—or as reliable—as many assume. Today, Mark Biller, Executive Editor and Senior Portfolio Manager at Sound Mind Investing, joined us to revisit this widely used guideline and explain why a more flexible, personalized approach may better serve retirees. Why Retirement Spending Is More Complicated Than Saving Saving for retirement is often more straightforward than spending in retirement. During working years, many people invest consistently, contribute to retirement accounts, and let time and compound growth do their work. But retirement introduces a new challenge: no one knows exactly how long their money needs to last. That uncertainty changes everything. Retirees must make decisions while facing several unknowns: Future market returns Inflation rates Interest rates Healthcare costs Longevity Because of those variables, determining a “safe” withdrawal rate becomes one of the most difficult parts of financial planning. Where the 4% Rule Came From The 4% rule originated with financial planner Bill Bengen in the early 1990s. Instead of trying to predict the future, Bengen studied historical market data. He examined how retirees who began in difficult economic periods—such as the mid-1920s—would have fared over a 30-year retirement. His conclusion: an initial withdrawal rate of 4.15%, followed by annual inflation adjustments, would have sustained every portfolio in his study for at least 30 years, even under the worst historical conditions. That's an important detail. The 4.15% figure wasn't intended to be the ideal spending strategy for everyone. It was the lowest common denominator—the floor that worked even in the toughest scenarios. Over time, that finding was simplified into the “4% rule.” Many people began to treat it as the optimal answer for nearly every retiree. But according to Biller, that was never the point. Rules of thumb can be helpful as rough planning tools, especially for someone years away from retirement who is trying to estimate future needs. But once retirement draws near, more precision is needed. A single percentage cannot account for your income sources, goals, spending habits, tax picture, or life expectancy. What New Research Suggests Sound Mind Investing conducted its own analysis under different assumptions, including a 50/50 stock-and-bond portfolio that became more conservative over time. Their findings showed: A 5% initial withdrawal rate still worked even under difficult conditions. A 6% withdrawal rate succeeded in most cases, though some portfolios ran short near the end. At 7%, the risk increased significantly. Meanwhile, Bengen later revisited his original work with broader investment options and updated tools. His revised conclusions suggested: 4.7% may be a better minimum floor today. Around 5.25% may be the “sweet spot” in many scenarios. These updates reinforce an important truth: retirement planning is more dynamic than a single number can capture. Rather than anchoring to one percentage, retirees should build a plan around their full financial picture. That includes: Social Security timing and benefits Pension income Spousal benefits Expected expenses Lifestyle goals Taxes Healthcare needs Legacy desires Market conditions over time Financial planning software or a trusted advisor can help run simulations, stress-test scenarios, and make adjustments as life unfolds. Biblical Wisdom for Retirement Planning Scripture often commends wise planning while reminding us to hold our plans with humility: “The plans of the diligent lead surely to abundance” (Proverbs 21:5). Yet we also remember that ultimate security is never found in formulas, portfolios, or percentages. Our trust rests in the Lord, who provides faithfully in every season. Retirement stewardship is not about discovering a perfect rule. It is about making wise decisions, remaining flexible, and managing God's resources faithfully over time. The 4% rule may still be a useful starting point—but it should not be the final word. When it comes to retirement, wise stewardship requires both diligence and flexibility. A personalized plan will almost always serve you better than a one-size-fits-all formula. On Today's Program, Rob Answers Listener Questions: I'm retired and have $30,000 to invest. Is it better to invest in gold and silver through the market or buy physical coins? I'm 63 with a $200,000 401(k) from a former employer. How can I move it into investments that align with my faith? Resources Mentioned: Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner) Sound Mind Investing (SMI) Revisiting the ‘4% Rule' for Retirement Withdrawals by Joseph Slife (Article on SoundMindInvesting.org) A Richer Retirement: Supercharging the 4% Rule to Spend More and Enjoy More by William P. Bengen SPDR Gold Shares (GLD) | iShares Gold Trust (IAU) Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship by Rob West Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor (CKA) FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Nathan Biller is next up in our 2026 MREIC Speaker Spotlight series. Learn more about MREIC 2026. View ticket options.

Waiting 47 days to get paid for work you already finished is more than annoying, it's a cash-flow killer. I sat down with Garima Shah, President and Co-Founder of Biller Genie, to talk about the unglamorous part of payments that decides whether a business thrives: accounts receivable. We get practical about what actually slows payments down and why “just run the card” ignores the messy reality of invoicing, accuracy, and collections.Garima explains how accounts receivable automation tightens the whole workflow. Send invoices on time, protect data integrity so the right customer gets billed correctly, and give people an Amazon-like way to pay with a simple button for credit card or ACH. That shift can take a typical service business from getting paid in weeks to getting paid in days. We also dig into the real-world benefits beyond money, like saving 10 to 15 hours a week of admin work and giving owners time back.We also unpack what makes Biller Genie different in the payments ecosystem: a partner-first model built for banks, processors, and ISOs, deep payment gateway integrations, and bi-directional sync with accounting platforms like QuickBooks and Xero to support clean payment reconciliation. Garima shares where she sees growth in AR software, how AI in payments is accelerating product and insights, why stablecoin acceptance is “easy but early,” and what industry consolidation means when two partners suddenly become one.If you care about SMB payments, B2B invoicing, AR automation, and the future of merchant services, this one is packed with ideas you can use. 

Got questions? Send Ericka a Text!Hiring someone with no dental experience can feel like a gamble, but it doesn't have to. I walk through the same onboarding system I've used for years to turn true beginners into capable, confident front office team members without wrecking your schedule, your claims, or your cash flow. The punchline is simple: when you build the foundation first, everything else speeds up. We start where most offices should start but rarely do: the CDT book. I explain how to teach categories of service so a new hire can navigate quickly, then how to break down the anatomy of a CDT code (alphanumeric, nomenclature, descriptor) so they're not memorising numbers, they're learning a language. That one shift improves dental billing accuracy, treatment plan coding, and insurance claim outcomes because your team stops guessing and starts verifying. Then we make it practical for real-world dental practice management. I share how to pull your most commonly used codes, tab the CDT by category, and build simple worksheets that help a newbie connect clinical procedures to correct dental codes in a safe practice environment. We also talk about the mindset piece: hiring is a business decision, and onboarding needs a strategy plus a clear expectation of mutual investment. If you want fewer billing mistakes, faster ramp-up time, and a stronger dental front office system, hit play, then subscribe, share this with a practice owner friend, and leave a review with the training challenge you're facing right now. Would you like to set-up a billing consultation with Ericka?  She would love the opportunity to discuss your billing questions and see how Fortune Billing Solutions may help you. Schedule a call with Ericka:https://calendly.com/ericka-dentalbillingdoneright/30minDM Ericka on Instagram to join the wait list for Elevate Billing & Coding:@dental_billing_coach Call Jamie at Riverside Dental Ceramics: 949-875-2481Email Jamie for a new Medit Scanner: jamie.ramirez@riversidelab.comEmail Ericka:ericka@dentalbillingdoneright.comEmail Jen:jen@dentalbillingdoneright.comGrab the Hygiene Billing and Coding Playbook Here:https://stan.store/hygieneunlockedEmail Ed:ed@dentalbillingdoneright.comSchedule a demo with MaxAssist to unlock scheduleing potential here:https://maxassist.com/book-a-demo-fortune-billing/Perio performance formula: (D4341+D4342+D4346+D4355+D4910)/(D4341+D4342+D4346+D4355+D4910+D1110)Delta Dental Locum Tenens Form:https://www1.deltadentalins.com/content/dam/ddins/en/pdf/dentists/locum-tenens-form.pdf...

Ee Komplott an der Stolindustrie, een zynescht Post-7-Oktober-Israël an alt nees ee Weltënnergang: wärend "Exile" vum Mehdi Hmili, "Project Hail Mary" vun Phil Lord a Christopher Miller a "Yes" vum Nadav Lapid Biller vun engem akopalyptesche Präsent an enger nach méi apokalyptescher Zukunft weisen, bréngt "Calle Malaga" vun der Maryam Touzani als eenzege Film vun enger Realisatrice dës Woch e bëssen Optimismus an eis Selectioun – wann och en Optimismus, dee voller Nostalgie fir d'Vergangenheet ass.

With the increasing incidence of colorectal cancer in those less than 50 years of age, one must wonder how many patients present with a Stage IV diagnosis. Take a deep dive with us discussing the management of metastatic colorectal cancer by joining our team and guests, Drs. Cathy Eng, Michael D'Angelica, and Nina Sanford.Hosts: - Dr. Janet Alvarez - General Surgery Resident at New York Medical College/Metropolitan Hospital Center- Dr. Wini Zambare – General Surgery Resident at Weill Cornell Medical Center/New York Presbyterian- Dr. Philip Bauer, Assistant Professor of Surgery, Division of Colon and Rectal Surgery, The Ohio State University Wexner Medical Center, Arthur G. James Cancer Hospital-  Dr. J. Joshua Smith MD, PhD, Chair, Department of Colon and Rectal Surgery at MD Anderson Cancer Center Guest Speakers:- Dr. Michael D'Angelica MD, FACS – Hepatopancreatobiliary Surgery, Memorial Sloan Kettering Cancer Center, Enid A. Haupt Chair in Surgery, Vice Chair, Education- Dr. Cathy Eng MD, FACP - Division of Hematology and Oncology, Vanderbilt-Ingram Cancer Center, David H. Johnson Endowed Chair in Surgical and Medical Oncology, Professor of Medicine, Hematology and Oncology, VICC Associate Director for Strategic Relations and Research Partnerships, Executive Director, Young Adult Cancers Program - Dr. Nina Sanford, MD – Radiation Oncology, UT Southwestern Medical Center, Chief of Gastrointestinal Radiation Oncology Service, Associate Professor Learning Objectives:1.     Review the epidemiology, prognosis, and common metastatic patterns of metastatic colorectal cancer (mCRC).2.     Discuss the role of systemic chemotherapy and targeted therapies in the first- and subsequent-line treatment of mCRC, including the impact of molecular biomarkers such as MSI/MMR, RAS, BRAF, and HER2.3.     Evaluate the indications and timing of surgical and locoregional therapies for metastatic colorectal cancer, particularly in patients with liver-limited or oligometastatic disease.4.     Describe the multidisciplinary management of mCRC, including the roles of radiation therapy, systemic therapy sequencing, and palliative interventions to optimize outcomes and quality of life.References:Singh, M., Morris, V. K., Bandey, I. N., Hong, D. S. & Kopetz, S. Advancements in combining targeted therapy and immunotherapy for colorectal cancer. Trends Cancer 10, 598–609 (2024). PubMed Link: https://pubmed.ncbi.nlm.nih.gov/38821852/Napolitano, S. et al. BRAFV600E mutant metastatic colorectal cancer: Current advances in personalized treatment and future perspectives. Cancer Treat. Rev. 134, (2025). PubMed Link: https://pubmed.ncbi.nlm.nih.gov/40009904/Ciardiello, F. et al. Clinical management of metastatic colorectal cancer in the era of precision medicine. CA. Cancer J. Clin. 72, 372–401 (2022). PubMed Link: https://pubmed.ncbi.nlm.nih.gov/35472088/Kim, S. Y. & Kim, T. W. Current challenges in the implementation of precision oncology for the management of metastatic colorectal cancer. ESMO Open 5, e000634 (2020). PubMed Link: https://pubmed.ncbi.nlm.nih.gov/32188714/Biller, L. H. & Schrag, D. Diagnosis and Treatment of Metastatic Colorectal Cancer: A Review. JAMA 325, 669–685 (2021). PubMed Link: https://pubmed.ncbi.nlm.nih.gov/33591350/Smith, J. J. et al. Genomic stratification beyond Ras/B-Raf in colorectal liver metastasis patients treated with hepatic arterial infusion. Cancer Med. 8, 6538–6548 (2019). PubMed Link: https://pubmed.ncbi.nlm.nih.gov/31503397/Saadat, L. V. et al. Hepatic Artery Infusion Chemotherapy Compared to Transarterial Radioembolization For Unresectable Colorectal Liver Metastases. Ann. Surg. 10.1097/SLA.0000000000006851 doi:10.1097/SLA.0000000000006851. PubMed Link: https://pubmed.ncbi.nlm.nih.gov/?term=10.1097/SLA.0000000000006851 (Linked via DOI search as the direct PMID is still indexing)Xiao, A. & Fakih, M. KRAS G12C Inhibitors in the Treatment of Metastatic Colorectal Cancer. Clin. Colorectal Cancer 23, 199–206 (2024). PubMed Link: https://pubmed.ncbi.nlm.nih.gov/38825433/André, T. et al. Pembrolizumab in Microsatellite-Instability–High Advanced Colorectal Cancer. N. Engl. J. Med. 383, 2207–2218 (2020). PubMed Link: https://pubmed.ncbi.nlm.nih.gov/33264544/Morris, V. K. et al. Treatment of Metastatic Colorectal Cancer: ASCO Guideline. J. Clin. Oncol. 41, 678–700 (2023). PubMed Link: https://pubmed.ncbi.nlm.nih.gov/36252154/Xu, Z. et al. Treatments for Stage IV Colon Cancer and Overall Survival. J. Surg. Res. 242, 47–54 (2019). PubMed Link: https://pubmed.ncbi.nlm.nih.gov/31071604/Smith, J. J. & D'Angelica, M. I. Surgical Management of Hepatic Metastases of Colorectal Cancer. Hematol. Oncol. Clin. North Am. 29, 61–84 (2015). PubMed Link: https://pubmed.ncbi.nlm.nih.gov/25475573/Strickler, J. H. et al. Tucatinib plus trastuzumab for chemotherapy-refractory, HER2-positive, RAS wild-type unresectable or metastatic colorectal cancer (MOUNTAINEER): a multicentre, open-label, phase 2 study. Lancet Oncol. 24, 496–508 (2023). PubMed Link: https://pubmed.ncbi.nlm.nih.gov/37142372/Kruijssen, D. E. W. van der et al. Upfront resection versus no resection of the primary tumor in patients with synchronous metastatic colorectal cancer: the randomized phase III CAIRO4 study conducted by the Dutch Colorectal Cancer Group and the Danish Colorectal Cancer Group. Ann. Oncol. 35, 769–779 (2024). PubMed Link: https://pubmed.ncbi.nlm.nih.gov/38852675/Hitchcock, K. E., Romesser, P. B. & Miller, E. D. Local Therapies in Advanced Colorectal Cancer. Hematol. Oncol. Clin. North Am. 36, 553–567 (2022). PubMed Link: https://pubmed.ncbi.nlm.nih.gov/35562258/Hitchcock, K. E. et al. Alliance for clinical trials in Oncology (Alliance) trial A022101/NRG-GI009: a pragmatic randomized phase III trial evaluating total ablative therapy for patients with limited metastatic colorectal cancer: evaluating radiation, ablation, and surgery (ERASur). BMC Cancer 24, 201 (2024). PubMed Link: https://pubmed.ncbi.nlm.nih.gov/38350888/Adam, R. et al. Liver transplantation plus chemotherapy versus chemotherapy alone in patients with permanently unresectable colorectal liver metastases (TransMet): results from a multicentre, open-label, prospective, randomised controlled trial. The Lancet 404, 1107–1118 (2024). PubMed Link: https://pubmed.ncbi.nlm.nih.gov/39306468/Elez, E. et al. Encorafenib, Cetuximab, and mFOLFOX6 in BRAF-Mutated Colorectal Cancer. N. Engl. J. Med. 392, 2425–2437 (2025). PubMed Link: https://pubmed.ncbi.nlm.nih.gov/40444708/***Fellowship Application Link: https://forms.gle/QSUrR2GWHDZ1MmWC6Please visit https://behindtheknife.org to access other high-yield surgical education podcasts, videos and more.  If you liked this episode, check out our recent episodes here: https://behindtheknife.org/listenBehind the Knife Premium:General Surgery Oral Board Review Course: https://behindtheknife.org/premium/general-surgery-oral-board-reviewTrauma Surgery Video Atlas: https://behindtheknife.org/premium/trauma-surgery-video-atlasDominate Surgery: A High-Yield Guide to Your Surgery Clerkship: https://behindtheknife.org/premium/dominate-surgery-a-high-yield-guide-to-your-surgery-clerkshipDominate Surgery for APPs: A High-Yield Guide to Your Surgery Rotation: https://behindtheknife.org/premium/dominate-surgery-for-apps-a-high-yield-guide-to-your-surgery-rotationVascular Surgery Oral Board Review Course: https://behindtheknife.org/premium/vascular-surgery-oral-board-audio-reviewColorectal Surgery Oral Board Review Course: https://behindtheknife.org/premium/colorectal-surgery-oral-board-audio-reviewSurgical Oncology Oral Board Review Course: https://behindtheknife.org/premium/surgical-oncology-oral-board-audio-reviewCardiothoracic Oral Board Review Course: https://behindtheknife.org/premium/cardiothoracic-surgery-oral-board-audio-reviewDownload our App:Apple App Store: https://apps.apple.com/us/app/behind-the-knife/id1672420049Android/Google Play: https://play.google.com/store/apps/details?id=com.btk.app&hl=en_US

For decades, retirement income in America has often been described as a three-legged stool. The first leg is Social Security, which historically provides roughly 35–45% of a retiree's monthly income. The second leg used to be company pensions, but those have largely been replaced by employer-sponsored plans such as 401(k)s and 403(b)s, which now provide roughly 15–20% of retirement income on average. The third leg—and the one individuals have the most control over—is personal savings. One of the most important tools for building those savings is the Individual Retirement Account, or IRA. This is especially important for people who don't have a strong employer retirement plan. In those cases, personal savings often need to carry even more of the load in retirement. What an IRA Actually Is Before diving into the different types of IRAs, it helps to understand one key point: an IRA itself isn't an investment. An IRA is simply a tax-advantaged account that holds investments. Inside an IRA, you can own many of the same assets you might hold elsewhere—stocks, bonds, mutual funds, CDs, and more. The main benefit of an IRA is the tax treatment. Depending on the type you choose, your contributions or withdrawals may receive special tax advantages that can significantly affect your long-term financial plan. Traditional vs. Roth: The Key Difference When people talk about IRAs, they are usually referring to two primary types: the traditional IRA and the Roth IRA. Traditional IRAs Traditional IRAs have been around since 1974. Their main advantage is the immediate tax deduction many contributors receive. When you contribute to a traditional IRA, you may be able to deduct that contribution from your taxable income. Your investments then grow tax-deferred, meaning you don't pay taxes on the gains each year. However, when you begin withdrawing money in retirement, those withdrawals are taxed as income. In simple terms: Traditional IRA = tax break now, taxes later. Roth IRAs Roth IRAs were introduced in 1997, and they reverse the traditional model. With a Roth IRA, contributions are not tax-deductible today. However, the major benefit comes later: qualified withdrawals in retirement—including investment gains—are completely tax-free. In other words: Roth IRA = no tax break now, but no taxes later. Which One Is Better? The decision between traditional and Roth IRAs largely depends on your expected tax situation. If you believe your tax rate will be higher in retirement, a Roth IRA can be very attractive because you pay taxes today at a lower rate and enjoy tax-free income later. This is why Roth accounts are often recommended for younger workers who are early in their careers and likely in a lower tax bracket. However, the decision can become more complicated for people who are within 10–15 years of retirement. At that stage, many people are in their peak earning years and higher tax brackets, which may make a traditional IRA more appealing. Taxes aren't the only factor, but they are often the most important one. Contribution Limits You Should Know Contribution limits for IRAs change periodically, and it's important to stay current. For 2026, the limits are: $7,500 per person under age 50 $8,600 per person for those age 50 or older (thanks to catch-up contributions) If you're married filing jointly, each spouse can contribute to their own IRA, even if one spouse doesn't have earned income—as long as the household's earned income covers the total contributions. One important note: there is no such thing as a joint IRA. Each account must belong to an individual. IRA vs. 401(k): Which Should Come First? Employer-sponsored retirement plans, such as 401(k)s, have significantly higher contribution limits. In 2026, employees can contribute: $24,500 annually $32,500 if age 50 or older But the biggest advantage of workplace plans is often employer matching. If your employer matches contributions, the general rule is simple: Always contribute enough to receive the full match first. That match is essentially free money and should be viewed as part of your compensation. After reaching the match threshold, you can evaluate whether to continue contributing to your 401(k) or begin funding an IRA—especially if the IRA offers better investment choices. Income Limits and Eligibility IRA eligibility can become more complicated depending on income levels and workplace plans. For traditional IRAs, whether you can deduct your contribution depends on: Whether you're covered by a workplace retirement plan Your modified adjusted gross income For married couples with workplace coverage, deductibility typically phases out between $129,000 and $149,000 of income. For Roth IRAs, workplace plans don't matter, but income limits still apply. Married couples generally lose eligibility to contribute directly to a Roth once their income exceeds $252,000. Because these rules can be complex, reviewing them carefully—or consulting a financial professional—is often wise. What About Old 401(k)s? Many people accumulate retirement accounts as they change jobs. If you've left a company, you typically have the option to roll an old 401(k) into an IRA. The main advantages include: Simplifying your accounts Access to a wider range of investments However, there is one important exception. If you leave an employer at age 55 or later, you may be able to withdraw from that company's 401(k) penalty-free before age 59½. Rolling the funds into an IRA would eliminate that special flexibility. When Does a Roth Conversion Make Sense? One of the most powerful planning strategies is a Roth conversion, in which funds from a traditional IRA are moved into a Roth IRA. When you convert, you pay taxes on the amount converted—but those funds can then grow tax-free going forward. For many people, the ideal window for conversions is between retirement and age 73, when required minimum distributions (RMDs) begin. During those years, income may be temporarily lower, allowing retirees to strategically convert portions of their IRA each year while staying in a manageable tax bracket.  Done carefully over time, this strategy can significantly reduce taxes later in retirement. Stewarding Retirement with Wisdom Ultimately, retirement planning isn't only about maximizing returns—it's about wisely stewarding what God has entrusted to us. Proverbs 21:5 reminds us, “The plans of the diligent lead surely to abundance.” Thoughtful planning today—whether choosing the right IRA, managing taxes wisely, or simplifying your accounts—can create greater freedom later to live generously and faithfully. On Today's Program, Rob Answers Listener Questions: I run a small pool cleaning business in Florida and am finally starting to grow. I want to manage the finances the right way, but I don't have much experience with accounting tools like spreadsheets. What are some practical steps I can take to start properly tracking my business finances and cash flow? I've recently realized that God owns everything—my money, my property, and even my business. That's been a big shift for me, and I want to honor Him with all of it. Sometimes I even wonder if God approves of the small things I spend money on. How can I practically walk with God in this area and steward my finances in a way that honors Him? Resources Mentioned: Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner) Sound Mind Investing (SMI) Making Sense of Your IRA Options (Article by Mark Biller and Matt Bell at Sound Mind Investing) Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship by Rob West Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor (CKA) FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode, I sit down with Callum Runnegar-Mundy to break down how he went from billing £8K fees as a regional generalist at Michael Page to closing £132K retained searches as top biller at Hubscale in under two years.Connect with Callum here: https://www.linkedin.com/in/callum-mundy/-------------------------Watch the episode on YouTube: https://youtu.be/i7E_8W8PATw-------------------------Sponsors - Claim your exclusive savings from our partners with the links below:Sourcewhale - Check Out Sourcewhale & Claim Your Exclusive Offer Here.Atlas - Check Out Atlas & Claim Your Exclusive Offer HereRaise - Check Out Raise & Claim Your Exclusive Offer Here.-------------------------Extra Stuff:Learn more about our online skills development platform Hector here: https://bit.ly/47hsaxeJoin 6,000+ 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/-------------------------

Roueg schwaarzwäiss Biller iwwer ee ländlecht Liewe charakteriséieren net just de LuxFilmFest-Ouvertures-Film "Rose", deen och am Concours vum Festival leeft, mee och "Seeds", deen éischte Bäitrag an der Dokumentar-Competitioun. D'Valerija Berdi, de Michel Delage an de Jeff Schinker ware gëschter an haut am Kino a beschwätzen déi zwee Filmer.

Most recruiters are chasing the wrong market, and it's quietly destroying their desk. Will Wegert watched his billings collapse after chasing coastal fees and shiny opportunities he had no business pursuing. So he did something most recruiters won't: he looked at the data, killed the distractions, and went all-in on owning one niche in one city. What happened next took 7 years to build and looked like an overnight success. In this episode, Will breaks down the exact attraction-based marketing system, mindset shifts, and daily disciplines that turned him into the most recognized dev recruiter in Colorado and the blueprint any recruiter can steal right now. What you'll learn: — The Inner Circle Model: the 3-spoke system (digital, face-to-face, direct outreach) that warms up clients before you ever pick up the phone — How to audit your placement data to find where your real money comes from and what to cut immediately — The ABC Marketing Method: the simplest relationship drip system in recruiting, 52 weeks a year — Why saying no to bigger fees is the fastest path to higher billings — The exact LinkedIn content formula Will uses to pull CTOs to him without a single cold pitch  — The accountability conversation that snapped his career back into focus after his worst year — Why "my business runs on referrals" is a trap and what to build instead Will Wegert is a Denver-based software engineering recruiter with 8 years in the industry. After nearly halving his billings by chasing the wrong market, he rebuilt around a ruthless niche focus — and never looked back. This episode will change how you think about your desk. Stop chasing. Start owning. TIMESTAMPS 00:03:01 — Why Will said no when Benjamin first invited him on 00:04:28 — The "7-year overnight success" explained 00:06:26 — His non-traditional path: resume writing → copywriting → recruiting 00:09:18 — Why referrals aren't a system — and what to build instead 00:15:47 — The data audit that killed his coastal ambitions 00:20:48 — The message to Danny Cahill that redirected his career 00:26:34 — The Inner Circle Model: 3 spokes every recruiter needs 00:37:01 — The CTO lunch strategy: show up, add value, never sell 00:39:28 — His LinkedIn formula: ⅓ human, ⅓ value, ⅓ algorithm 00:44:40 — ABC Marketing: the simplest desk-revival strategy in recruiting 00:52:12 — The Chrome tool and LinkedIn video trick cutting through AI noise 00:57:01 — The question Will wishes every recruiter would ask him SPONSORS Atlas — AI-First Recruitment Platform Every email. Every interview. Every conversation. Instantly searchable, always available. Atlas customers report up to 41% EBITDA growth and 85% increase in monthly billings. → https://recruitwithatlas.com SUMMIT & COMMUNITY This Is Your Year — Recruiter Summit → https://this-is-your-year-recruiter-summit.heysummit.com/ Elite Recruiter Community — Replays, Billers Club, Roundtables & Split Space. $49/month. → https://elite-recruiters.circle.so/checkout/elite-recruiter-community TOOLS PeopleGPT Free Trial → https://juicebox.ai/?via=b6912d Talin AI Free Trial → https://app.talin.ai/signup?via=recruiter Pin Free Trial → https://www.pin.com/ Email Newsletter → https://eliterecruiterpodcast.beehiiv.com/subscribe CONNECT YouTube → https://youtu.be/eveVeg5UV6I Will Wegert on LinkedIn → https://www.linkedin.com/in/willwegert/ Benjamin Mena → http://www.selectsourcesolutions.com/ Benjamin on LinkedIn → https://www.linkedin.com/in/benjaminmena/ Benjamin on Instagram → https://www.instagram.com/benlmena/

Kristoffer Løkberg gjester ukens episode fra solkysten.

Investing doesn't require a fortune — just a willingness to begin with what you have. That's the message Mark Biller, Executive Editor and Senior Portfolio Manager at Sound Mind Investing, emphasizes as he encourages listeners to start small, stay consistent, and keep investing simply as an act of faithful stewardship.Biller starts by reminding beginners that wise investing is built on a solid financial foundation. Before putting money at risk in the markets, he urges individuals to pay down high-interest consumer debt, establish a modest emergency fund, and follow a spending plan. Paying off double-digit credit card debt offers a guaranteed return that most investments struggle to match. The exception comes when an employer offers matching contributions in a retirement plan—since a match functions like an immediate return on contributions, it's often worth taking advantage of even while still eliminating smaller debts.For those ready to invest, workplace retirement plans—such as 401(k)s—are typically the best place to begin. They offer three major benefits: tax-advantaged growth, automatic contributions that promote consistency, and, in many cases, employer-matching contributions. Biller calls the match “free money,” noting that it's effectively part of an employee's compensation and should not be left on the table. For listeners without a workplace plan, an IRA—and especially a Roth IRA for younger workers—provides similar tax advantages and helps develop long-term investing habits.New investors often feel overwhelmed by the sheer volume of financial information available today. Biller warns that waiting until you “know everything” often results in never starting at all. The more important step is to build momentum by contributing regularly, even in small amounts. Investing is a habit, and habits gain strength through repetition.To keep things simple, Biller recommends relying on broad, low-cost index funds—often available through both workplace plans and discount brokerage firms. Index funds offer immediate diversification, require minimal expertise, and allow investors to learn gradually without taking on unnecessary risk. More sophisticated strategies can come later; simplicity removes barriers at the beginning.Alongside practical guidance, Biller highlights several behavioral realities: choose a few trusted financial voices, tune out noise that stirs fear or greed, and resist a false urgency to time the market. Successful investing requires patience and emotional steadiness more than constant research.As the conversation wraps up, Biller offers encouragement: while investing can appear complex, most of the benefits come from a few basic disciplines. You don't need large sums to begin; time in the market is your greatest ally. Maintain a heart-level posture as a steward, trusting that God can multiply small beginnings into meaningful long-term outcomes. Wise investing is ultimately an expression of faithful management, not accumulation for its own sake.To learn more about Sound Mind Investing, you can go to SoundMindInvesting.org. On Today's Program, Rob Answers Listener Questions:My wife and I have been blessed, and through our business and frugal lifestyle, we've saved a significant amount. We also partner in projects in Haiti, Honduras, and El Salvador. Right now, we have about $250,000 in a stock account and $400,000 with LPL Financial. Would it be smarter to consolidate those investments to make them easier to manage and potentially grow faster? I'd appreciate your advice.Resources Mentioned:Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner)Sound Mind Investing (SMI)Starting Small, Finishing Well by Joseph Slife (SMI 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)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

After seven seasons and one very contested transporter accident, we welcome Voyager executive producer and co-creator of Tuvix, Ken Biller, for a wide-ranging conversation about the legacy of Star Trek: Voyager. Guest co-host Earl Green joins John to explore the creative pressures behind the series finale, the constraints of '90s television, and how a light-hearted idea about a goofy transporter mix-up became one of Trek's most morally complex debates. Also: alternate titles, unwritten sequels, and that time Ken was a Jeopardy! answer. It's a candid, thoughtful look back from someone who was there from the first season to Endgame. Hosted by John Champion and Earl Green Welcome to Mission Log, a Roddenberry Entertainment podcast, where we explore the Star Trek universe one episode at a time. Each week, Mission Log examines a single episode of Star Trek, diving into its ethical subtext, metaphors, and cultural significance. From the show's most iconic moments to its hidden gems, we analyze what makes Star Trek one of the greatest science fiction sagas of all time. In every episode of Mission Log we… Recap the story and analyze key moments. Discuss the morals, messages, and meanings of the dilemmas presented. Debate whether the episode holds up and if the themes are still relevant. Join the Conversation: For as little as $1 a month, you can gain access to our exclusive Discord Community! There, we continue the discussion with dedicated channels and  weekly video chats with the hosts. Become a member of our Patreon today! https://www.Patreon.com/MissionLog SPECIAL THANKS the supporters of this week's show: Chris Garis, Julie Miller, Stuart, Michael Park, Paul Shadwell, Matt Esposito, Alan Simonis, Mike Richards, David Takechi, Mike Schiable, VADM Erickson, and Lars Seme Thanks to all of our Patreon Supporters https://www.missionlogpodcast.com/sponsors/ Want to share your thoughts on an upcoming episode? Email us at MissionLog@Roddenberry.com for a chance to be featured during the episode. Follow us on Social Media: INSTAGRAM https://www.instagram.com/RoddenberryEntertainment THREADS https://www.threads.net/@roddenberrypodcasts FACEBOOK https://www.facebook.com/MissionLogPod Did you know we're on YouTube? Find the video versions of your favorite shows like Mission Log: Prodigy, The Orville, as well as exclusive content only available on YouTube. Subscribe now:  https://www.youtube.com/@RoddenberryEntertainment?sub_confirmation=1 Our shows are part of the Roddenberry Entertainment family. For more great shows and to learn more about how we live the legacy of Gene Roddenberry, creator of Star Trek, follow us here: RODDENBERRY PODCASTS https://www.instagram.com/roddenberrypodcasts RODDENBERRY ENTERTAINMENT https://www.instagram.com/roddenberryofficial THE RODDENBERRY FOUNDATION https://www.instagram.com/theroddenberryfoundation   THIS EPISODE IS SPONSORED BY:Listeners like you - Support Mission Log on Patreon for early access to shows and the Mission Log Discord! Subscribe and Stay Updated:Never miss an episode! Subscribe on your preferred podcast player, leave a review, and join Mission Log on the journey of weekly deep dives into the Star Trek universe. Technical Director - Earl Green Producer - John Champion Associate Producer - Jessica Lynn Verdi Executive Producer - Eugene "Rod" Roddenberry Roddenberry Entertainment | All Rights Reserved

After seven seasons and one very contested transporter accident, we welcome Voyager executive producer and co-creator of Tuvix, Ken Biller, for a wide-ranging conversation about the legacy of Star Trek: Voyager. Guest co-host Earl Green joins John to explore the creative pressures behind the series finale, the constraints of '90s television, and how a light-hearted idea about a goofy transporter mix-up became one of Trek's most morally complex debates. Also: alternate titles, unwritten sequels, and that time Ken was a Jeopardy! answer. It's a candid, thoughtful look back from someone who was there from the first season to Endgame. Hosted by John Champion and Earl Green Welcome to Mission Log, a Roddenberry Entertainment podcast, where we explore the Star Trek universe one episode at a time. Each week, Mission Log examines a single episode of Star Trek, diving into its ethical subtext, metaphors, and cultural significance. From the show's most iconic moments to its hidden gems, we analyze what makes Star Trek one of the greatest science fiction sagas of all time. In every episode of Mission Log we… Recap the story and analyze key moments. Discuss the morals, messages, and meanings of the dilemmas presented. Debate whether the episode holds up and if the themes are still relevant. Join the Conversation: For as little as $1 a month, you can gain access to our exclusive Discord Community! There, we continue the discussion with dedicated channels and  weekly video chats with the hosts. Become a member of our Patreon today! https://www.Patreon.com/MissionLog SPECIAL THANKS the supporters of this week's show: Chris Garis, Julie Miller, Stuart, Michael Park, Paul Shadwell, Matt Esposito, Alan Simonis, Mike Richards, David Takechi, Mike Schiable, VADM Erickson, and Lars Seme Thanks to all of our Patreon Supporters https://www.missionlogpodcast.com/sponsors/ Want to share your thoughts on an upcoming episode? Email us at MissionLog@Roddenberry.com for a chance to be featured during the episode. Follow us on Social Media: INSTAGRAM https://www.instagram.com/RoddenberryEntertainment THREADS https://www.threads.net/@roddenberrypodcasts FACEBOOK https://www.facebook.com/MissionLogPod Did you know we're on YouTube? Find the video versions of your favorite shows like Mission Log: Prodigy, The Orville, as well as exclusive content only available on YouTube. Subscribe now:  https://www.youtube.com/@RoddenberryEntertainment?sub_confirmation=1 Our shows are part of the Roddenberry Entertainment family. For more great shows and to learn more about how we live the legacy of Gene Roddenberry, creator of Star Trek, follow us here: RODDENBERRY PODCASTS https://www.instagram.com/roddenberrypodcasts RODDENBERRY ENTERTAINMENT https://www.instagram.com/roddenberryofficial THE RODDENBERRY FOUNDATION https://www.instagram.com/theroddenberryfoundation   THIS EPISODE IS SPONSORED BY:Listeners like you - Support Mission Log on Patreon for early access to shows and the Mission Log Discord! Subscribe and Stay Updated:Never miss an episode! Subscribe on your preferred podcast player, leave a review, and join Mission Log on the journey of weekly deep dives into the Star Trek universe. Technical Director - Earl Green Producer - John Champion Associate Producer - Jessica Lynn Verdi Executive Producer - Eugene "Rod" Roddenberry Roddenberry Entertainment | All Rights Reserved

After seven seasons and one very contested transporter accident, we welcome Voyager executive producer and co-creator of Tuvix, Ken Biller, for a wide-ranging conversation about the legacy of Star Trek: Voyager. Guest co-host Earl Green joins John to explore the creative pressures behind the series finale, the constraints of '90s television, and how a light-hearted idea about a goofy transporter mix-up became one of Trek's most morally complex debates. Also: alternate titles, unwritten sequels, and that time Ken was a Jeopardy! answer. It's a candid, thoughtful look back from someone who was there from the first season to Endgame. Hosted by John Champion and Earl Green Welcome to Mission Log, a Roddenberry Entertainment podcast, where we explore the Star Trek universe one episode at a time. Each week, Mission Log examines a single episode of Star Trek, diving into its ethical subtext, metaphors, and cultural significance. From the show's most iconic moments to its hidden gems, we analyze what makes Star Trek one of the greatest science fiction sagas of all time. In every episode of Mission Log we… Recap the story and analyze key moments. Discuss the morals, messages, and meanings of the dilemmas presented. Debate whether the episode holds up and if the themes are still relevant. Join the Conversation: For as little as $1 a month, you can gain access to our exclusive Discord Community! There, we continue the discussion with dedicated channels and  weekly video chats with the hosts. Become a member of our Patreon today! https://www.Patreon.com/MissionLog SPECIAL THANKS the supporters of this week's show: Chris Garis, Julie Miller, Stuart, Michael Park, Paul Shadwell, Matt Esposito, Alan Simonis, Mike Richards, David Takechi, Mike Schiable, VADM Erickson, and Lars Seme Thanks to all of our Patreon Supporters https://www.missionlogpodcast.com/sponsors/ Want to share your thoughts on an upcoming episode? Email us at MissionLog@Roddenberry.com for a chance to be featured during the episode. Follow us on Social Media: INSTAGRAM https://www.instagram.com/RoddenberryEntertainment THREADS https://www.threads.net/@roddenberrypodcasts FACEBOOK https://www.facebook.com/MissionLogPod Did you know we're on YouTube? Find the video versions of your favorite shows like Mission Log: Prodigy, The Orville, as well as exclusive content only available on YouTube. Subscribe now:  https://www.youtube.com/@RoddenberryEntertainment?sub_confirmation=1 Our shows are part of the Roddenberry Entertainment family. For more great shows and to learn more about how we live the legacy of Gene Roddenberry, creator of Star Trek, follow us here: RODDENBERRY PODCASTS https://www.instagram.com/roddenberrypodcasts RODDENBERRY ENTERTAINMENT https://www.instagram.com/roddenberryofficial THE RODDENBERRY FOUNDATION https://www.instagram.com/theroddenberryfoundation   THIS EPISODE IS SPONSORED BY:Listeners like you - Support Mission Log on Patreon for early access to shows and the Mission Log Discord! Subscribe and Stay Updated:Never miss an episode! Subscribe on your preferred podcast player, leave a review, and join Mission Log on the journey of weekly deep dives into the Star Trek universe. Technical Director - Earl Green Producer - John Champion Associate Producer - Jessica Lynn Verdi Executive Producer - Eugene "Rod" Roddenberry Roddenberry Entertainment | All Rights Reserved

Markets rise and fall—but not all cycles tell the same story. What do those ups and downs really mean for your investments?Scripture reminds us in Ecclesiastes 3:1, “To everything there is a season, a time for every purpose under heaven.” Just as God designed natural cycles—the sun, the tides, the seasons—financial markets also move through cycles. While less predictable, these patterns help us understand where we are in the investing journey and how to prepare wisely for what's ahead.According to Mark Biller, Executive Editor at Sound Mind Investing (SMI), the two most common market cycles are known as bull markets (when prices rise) and bear markets (when prices fall). But within those categories lie two distinct types of trends: cyclical and secular.Cyclical vs. Secular: What's the Difference?“The terms might sound fancy,” says Biller, “but they really describe short-term versus long-term cycles.”Cyclical markets are the short-term ups and downs—periods that might last a few months to a few years.Secular markets are the broader, long-term trends that can span decades—often between 10 and 40 years.Think of it like waves on the ocean. Cyclical markets are the smaller waves that move in and out, while secular markets are the larger tides that shape the shoreline over time.Learning from History: Market ExamplesFrom 1968 to 1982, the S&P 500 was essentially flat—a 15-year stretch where inflation eroded nearly 60% of investors' purchasing power. That's what economists call a secular bear market—a long-term period of little to no progress.Yet within that broader season, there were multiple shorter-term bull and bear cycles. Investors who recognized those patterns could navigate the market with more perspective and less panic.The same was true from 2000 to 2009, another decade of overall stagnation in U.S. stocks. “But even then,” Biller notes, “we saw two cyclical bear markets with a five-year bull market sandwiched between them.”The takeaway? Even in long-term downturns, some shorter-term opportunities and recoveries keep markets moving forward over time.Why It Matters—Especially for Bond InvestorsUnderstanding these cycles isn't just an academic exercise. “It's actually more helpful when it comes to bonds than stocks,” Biller explains.That's because bond markets move in much longer secular cycles. From 1982 to 2021, the U.S. enjoyed a 40-year secular bull market in bonds as interest rates steadily declined from 15% to near zero. But since 2020, that trend has reversed. “Interest rates have been rising again,” Biller says, “and that's led to negative returns for many bond investors over the last five years.”This shift could signal the beginning of a secular bear market for bonds—a long period in which rising interest rates make it harder for bonds to perform well.Rethinking the Classic 60/40 PortfolioFor decades, the “60/40” portfolio—60% stocks and 40% bonds—was the gold standard for balanced investing. But in today's environment, that mix may need to evolve.“At Sound Mind Investing (SMI), we've reduced our bond allocation to around 30%,” Biller explains. “We haven't abandoned bonds altogether, but we're diversifying beyond them.”That diversification includes strategies like:Dynamic asset allocation—adjusting investments as market conditions shiftGold and commodities—as hedges against inflationReal estate and energy stocks—for long-term growth potentialAlternative assets like Bitcoin (in small doses), to add further varietyBuilding a Portfolio That Endures Every SeasonWhether markets are bullish or bearish, cyclical or secular, the goal remains the same: build a portfolio that's resilient and rooted in wisdom.Biller's encouragement for long-term investors is simple:“We're not advocating for dramatic changes, but rather thoughtful diversification. The goal is to build portfolios you can stick with through every kind of market season.”That perspective echoes a deeper truth for believers: our ultimate security isn't found in market trends but in God's unchanging character. Markets may rise and fall, but His promises endure forever.Faith, Patience, and PerspectiveUnderstanding both short- and long-term market cycles helps us invest with patience, discipline, and faith—trusting that God is sovereign over every season, financial or otherwise.As Proverbs 21:5 reminds us, “The plans of the diligent lead surely to abundance, but everyone who is hasty comes only to poverty.”In every bull and bear market, we're called to plan wisely, give generously, and trust deeply—knowing that the One who holds the future also holds us.For more practical investing insights and biblical wisdom, visit SoundMindInvesting.org.On Today's Program, Rob Answers Listener Questions:I'm nearing retirement with no debt and some investment savings, but I don't have a pension. Would it make sense to use part of my investments to buy an annuity for guaranteed monthly income in addition to Social Security?I'm in my 70s, retired, and divorced, and much of my income goes toward alimony. How can I balance saving for emergencies while still giving more to the Lord's work, which I see as the greater reward?Resources Mentioned:Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner)Sound Mind Investing (SMI)Bulls and Bears, Cyclical and Secular (SMI Article by Mark Biller and Joseph Slife)SMI Dynamic Asset Allocation Model StrategyWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this powerful episode, million-dollar biller Emily Audibert breaks down how she went from six months without a single placement to becoming one of the most sought-after recruiters in the go-to-market tech space. Her turning point wasn't a new tool or technique—it was understanding the balance between masculine and feminine energy in selling, sourcing, influence, and relationship-building.

The co-founder of Fintech Sandbox says fintech entrepreneurs will figure out how to help Americans struggling with economic stressors.

What if the answer to West Michigan's—and America's—housing shortage isn't massive new developments, but small homes tucked into the neighborhoods we already live in? In this episode of the Rental Property Owner & Real Estate Investor Podcast, Brian Hamrick talks with Nathan Biller, accredited ADU specialist and co-founder of My Backyard Build. Nathan has built his own ADU, permitted several more, and is helping shape local policy as a member of Grand Rapids' ADU Task Force. You'll learn: What exactly an ADU is (granny flats, carriage houses, basement conversions, detached units, and more). Why investors should consider ADUs—from the math behind rental income to the 1% rule and reduced land costs. Local and national trends—how California, Portland, Seattle, and Denver have embraced ADUs, and what's happening in Michigan cities like Grand Rapids, Ann Arbor, and Traverse City. Financing and cost considerations—real numbers on what it takes to build an ADU and how investors are paying for them. Practical challenges and solutions—utilities, zoning, setbacks, neighbor relations, and historic district restrictions. Future opportunities—policy changes and task force recommendations that could make ADUs more accessible and profitable. Whether you call them granny flats, backyard cottages, or carriage houses, ADUs are becoming one of the most practical solutions to today's housing crisis—and a smart investment strategy for rental property owners. Find out more: https://www.mibackyardbuild.com/ https://www.nathanbiller.com/ Today's episode is brought to you by Green Property Management, managing everything from single family homes to apartment complexes in the West Michigan area. https://www.livegreenlocal.com And RCB & Associates, helping Michigan-based real estate investors and small business owners navigate the complex world of health insurance and medicare benefits. https://www.rcbassociatesllc.com

Fundos com exposição à Bolsa são todos iguais?Este é o primeiro episódio da nova série do Mind Asset que explica as principais estratégias de gestão em renda variável: Long Only, Long Bias e Long & Short.Recebemos Rodrigo Giordano, superintendente de gestão da área de Solutions do Itaú, e Letícia Biller, gerente comercial da Itaú Asset, para mostrar o que diferencia cada abordagem, quando elas fazem mais sentido no portfólio e como o investidor pode equilibrar risco e retorno.Participantes: Rodrigo Giordano e Letícia Biller Série: Estratégias de Gestão em Bolsa (Ep.1 de 3) Tema: Diferenças das estratégias Long Only, Long Bias e Long & ShortSiga o Mind Asset na sua plataforma favorita e acompanhe os próximos episódios da série especial.

Gold has been surging this year—but what's behind the rise, and what should investors keep in mind before buying in?Precious metals, such as gold and silver, have long fascinated investors, particularly in times of economic uncertainty. But are they wise investments for today? If so, how should we approach them? Mark Biller joins us today to talk about investing in precious metals.Mark Biller is Executive Editor and Senior Portfolio Manager at Sound Mind Investing, an underwriter of Faith & Finance. The Surge in Gold and SilverGold's remarkable rise has captured headlines again, now up over $4,000 an ounce—up from about $2,600 at the start of 2025. That's a 50% gain this year on top of last year's 26% surge. Silver has jumped even higher, up roughly 60%, while gold mining stocks have more than doubled.What's behind this stunning rally? Several key forces are at play. Global central banks have been buying gold aggressively, a trend that accelerated after the U.S. froze Russia's dollar reserves in 2022. This event shook confidence in the U.S. dollar as a neutral reserve currency. Add in fears of currency debasement stemming from massive government spending since the COVID pandemic, and gold suddenly looks like a safer store of value.As investors around the world look for stability, gold—the “4,000-year-old alternative currency”—is once again shining.To understand today's prices, it helps to look at history. Adjusted for inflation, gold recently surpassed its all-time high from January 1980. Silver, meanwhile, is nearing $50 an ounce—the peak it hit in both 1980 and 2011—but still lags behind those highs when adjusted for inflation.These cycles remind investors that precious metals often move in waves—soaring during manias, then enduring long pullbacks. After its 1980 peak, silver prices dropped nearly 90%; after 2011, they fell by about 70%. Understanding those cycles helps set realistic expectations and temper “gold rush” enthusiasm.Gold as a Store of ValueUnlike stocks or bonds, gold doesn't produce income or dividends. That makes it tricky to value—but also unique. It's not a productive asset; it's a preservative one.For centuries, an ounce of gold could buy a fine men's suit. The same holds true today, illustrating its enduring purchasing power. Gold's real role isn't to generate profit—it's to store value when currencies lose theirs.Viewed this way, gold functions as an alternative currency to the world's paper money systems. As inflation rises and confidence in traditional currencies wavers, gold's relative stability stands out.Gold's appeal intensifies during uncertainty. Whether it's inflation, war, or financial instability, investors turn to gold as a hedge. While Americans rarely consider regime changes, history is filled with nations where financial systems collapsed, and gold helped preserve wealth across transitions.Even in less dramatic times, when governments respond to crises by printing more money, gold tends to perform well. As fear increases, so does the appetite for precious metals.Gold, Silver, and Mining Stocks: Knowing the DifferenceEach part of the precious metals market serves a different role:Gold is the foundation—a global monetary metal and store of value. It's what central banks buy, and it tends to be more stable.Silver is both a monetary and an industrial metal. Its demand fluctuates more with the economy, primarily due to uses in electronics and solar panels. That makes it more volatile—but also more accessible to smaller investors.Mining Stocks are speculative. While they can surge when gold prices rise, they're also risky. Over the long term, mining stocks have underperformed, so investors should approach them with caution.How to Invest Wisely in Precious MetalsWe recommend a balanced approach: Physical gold and silver provide direct ownership and long-term stability. However, storage and security are concerns, so it's best to keep this allocation small—around 5% of your portfolio.ETFs (Exchange-Traded Funds) offer convenience and liquidity. They're ideal for active management and diversification.Combining both approaches provides flexibility and peace of mind—anchoring part of your wealth in tangible assets while keeping another portion readily accessible for use.As with any investment, precious metals should be approached with discipline and perspective. They're best viewed as part of a long-term diversification strategy—not a get-rich-quick play.To learn more about investing wisely in gold and silver, Sound Mind Investing has released a free special report for Faith & Finance listeners. Download your copy at SoundMindInvesting.org.On Today's Program, Rob Answers Listener Questions:I own a 100-year-old building where I live and also rent out a couple of units. It's well built but always needs work. Thankfully, I can handle many of the repairs myself, as I come from a family of electricians and real estate professionals. The issue is, I can't seem to deduct much of what I do on my taxes, even though I spend a lot of time maintaining the property. I also sometimes barter with family and friends, helping them with projects in exchange for their help. Is there a legal way for me to charge for some of my time or count this work toward deductions?I've got about $7,000 to $8,000 in credit card debt, and I'll be leaving my job soon. I have a 401(k) with a balance similar to mine, and I know that taking it out early means incurring taxes and penalties. Would it make sense to cash out my 401(k) to pay off my credit cards, or would you recommend an alternative approach?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Sound Mind Investing (SMI)Inflation History: The Rise and Fall of the U.S. Dollar (Free Report by Sound Mind Investing)Christian Credit CounselorsWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Eis Sujete vun haut: Biller vum Trounwiessel ginn ëm d'Welt, CSL fuerdert Recht op Weiderbildung fir all Mataarbechter an zousätzlech Struktur vun HRS-Grupp

Starting and scaling a private practice can feel overwhelming, especially in a rural region with limited resources. Brent Metcalf, a trauma therapist and group practice owner at Tri-Star Counseling, joins Michael Fulwiler to share how he built a thriving therapy business in Appalachia while staying true to his mission of expanding access to care.Brent opens up about transitioning from social work to private practice, navigating financial uncertainty, and building a practice that reflects his values. He shares the strategies that helped him grow, from offering pro bono sessions during a natural disaster to hiring provisionally licensed therapists and negotiating with insurance companies.Listen to hear how Brent balances business growth with community care, and why leading with heart can be a powerful strategy for therapists building something of their own.In the conversation, they discuss:What it takes to launch a successful practice in a rural areaHow to grow from solo to group practice without burning outWays to stay connected to your mission while running a businessConnect with the guest:Brent on LinkedIn: https://www.linkedin.com/in/brent-metcalf-028870272/ Visit the Tri-Star Counseling website: https://tri-starcounseling.com/ Connect with Michael and Heard:Michael's LinkedIn: https://www.linkedin.com/in/michaelfulwiler/ Newsletter: https://www.joinheard.com/newsletter Book a free consult: joinheard.com/consult Jump into the conversation:(00:00) Welcome to Heard Business School(01:36) Introducing Brent Metcalf(03:01) Growing Up in Rural East Tennessee(04:31) Small-Town Roots and Musket Bowl Tradition in High School(05:06) From Ministry to Social Work(06:11) Joining CPS and Getting Hooked on Fieldwork(08:10) Choosing to Go Back to Graduate School(08:52) Transitioning to Vanderbilt and Mental Health Consulting(10:18) Starting a Therapy Practice Without Business Experience(14:18) How a Financial Advisor Pushed Him to Go Full-Time(17:33) Expanding from Part-Time Practice to Full-Time Mission(18:52) The Importance of Therapy Access in Appalachia(24:18) Building Trust in Resistant Communities(30:35) Offering Free Therapy After a Natural Disaster(34:02) Overcoming Fear of Hiring Employees(37:17) Navigating Healthcare Crisis Without a Biller(39:48) The Stress Group Owners Face Daily(43:27) Negotiating Higher Insurance Reimbursement Rates(48:15) Staying Connected to Your Why to Prevent BurnoutThis episode is to be used for informational purposes only and does not constitute legal, business, or tax advice. Each person should consult their own attorney, business advisor, or tax advisor with respect to matters referenced in this episode. 

In this episode, I sit down with Liam to unpack his journey from struggling recruiter to top biller and now entrepreneur in Dubai.Liam went from a tough first year in recruitment to billing £32.5K weekly GP at Opus, before taking the leap to start his own business.We dive into the hard lessons of year one as a founder, the reality of moving to Dubai with £100K saved, and the strategies that helped him rebuild and succeed in a brand-new market.Connect with Liam here: https://www.linkedin.com/in/liam-moir-holland-a194b3158/-------------------------Watch the episode on YouTube: https://youtu.be/CulZLPbdZsg-------------------------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 5,000+ 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/-------------------------

When markets soar, investors face a subtle but dangerous temptation: trading wisdom for excitement.With headlines touting record highs and optimism running wild, it's easy to get swept up in the momentum. But is now the time to double down—or to take a step back and exercise caution? Today, Mark Biller joins us to unpack the dangers of investing with emotion instead of wisdom.Mark Biller is Executive Editor and Senior Portfolio Manager at Sound Mind Investing, an underwriter of Faith & Finance. Bull Market Optimism: Proceed with CautionThe stock market has staged a remarkable comeback since spring, and many investors are feeling hopeful about the year ahead. But while optimism is natural, there's a fine line between healthy confidence and dangerous overconfidence.Just a few months ago, fear dominated the market. Now, investor sentiment has swung in the opposite direction—toward excessive optimism. History shows us that both extremes can lead to poor decision-making. Just as fear prompts panic-selling in downturns, overconfidence during bull markets can drive people to take unnecessary risks.The late 1990s provide a clear example. The dot-com bubble fueled euphoric investing in internet companies, but when the bubble burst, enormous wealth evaporated. While the internet did transform the world, many early investors paid a steep price for ignoring caution.The Risk of Projecting the PresentOptimism in the long term is typically rewarded—stocks have trended upward for more than a century despite wars, recessions, and downturns. But short-term overconfidence is dangerous. Since October 2023, the stock market has gained about 60%—roughly six years of typical returns compressed into less than two. It's unrealistic to assume such momentum will continue indefinitely.In environments like this, investors often fall into two traps:Doubling down on every dip. Rather than seeing pullbacks as a chance to pause, many rush to “buy the dip” without considering long-term goals. Abandoning diversification. When some holdings lag behind, it's tempting to dump them in favor of high-flyers like gold or crypto. This shortsightedness often backfires.Diversification: A Biblical PrincipleKing Solomon offered timeless wisdom in Ecclesiastes 11:2: “Give a portion to seven, or even to eight, for you know not what disaster may happen on earth.” Diversification is, at its core, an act of humility. Since no one knows the future, spreading investments across asset classes is the most reliable defense against both downturns and emotional decision-making.While diversification may feel “boring” during bull markets, it provides stability that helps investors stay committed to their plan when volatility inevitably returns.A strong investment strategy accounts for risk tolerance, life stage, and long-term goals. For a younger investor, this might mean a higher allocation to stocks, consistent 401(k) contributions, and the discipline to stay invested through ups and downs. For others, it may involve gradual adjustments, such as including gold or bonds. The key is making changes based on thoughtful, long-term reasoning—not fear of missing out.Confidence vs. OverconfidenceHealthy confidence comes from setting reasonable goals, understanding fundamentals, and staying the course. Overconfidence, on the other hand, assumes you can predict what's coming next—a trap no investor avoids for long.Optimism has its place, but unchecked euphoria can cloud judgment. By remembering history, practicing diversification, and committing to a steady long-term plan, investors can avoid the pitfalls of emotional decision-making and pursue lasting financial fruitfulness.If you'd like to learn more about becoming a Sound Mind Investing (SMI) member, you can visit them at SoundMindInvesting.org. On Today's Program, Rob Answers Listener Questions:I'm 72, still running my business, and I have both an IRA and a Roth that I've never touched. What's the most tax-efficient way to start taking money out while minimizing what goes to the government?I need to withdraw from two retirement accounts with about $9,000 each. They're planning to withhold 20% plus fees—around $2,200 per account. Is that normal, and what are my options since I need the cash quickly?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Sound Mind Investing (SMI)Bull Market? Great! But Don't Get Carried Away by Joseph Slife (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. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Do you feel overwhelmed by endless recruiting tech, tools, and “hacks”—but still wonder why top-billing recruiters win? This episode pulls back the curtain! Join Benjamin Mena as he sits down with powerhouse insurance recruiter Amy Simpson to unlock her 20 years of consistent, high-performance results. Amy proves that big wins come not from chasing shiny objects but from nailing the basics and building lasting client relationships.  

“And he gathered up all the food of these seven years which occurred in the land of Egypt and put the food in the cities. He put in every city the food from the fields around it.” - Genesis 41:48Joseph's story isn't just dramatic—it's a powerful example of godly wisdom in uncertain times. His preparation during years of abundance helped an entire nation weather a famine. Today, Mark Biller joins us to explore what Joseph's legacy teaches us about planning ahead.Mark Biller is Executive Editor and Senior Portfolio Manager at Sound Mind Investing, an underwriter of Faith & Finance. Learning from Joseph's ExampleJoseph's story in the book of Genesis is one of the most dramatic and inspiring accounts in all of Scripture. From his rise and fall—from favored son to slave, from prisoner to ruler of Egypt—Joseph's journey demonstrates God's providence at every turn. His famous words to his brothers in Genesis 50:20 capture the theme: “You intended to harm me, but God intended it for good.”But Joseph's story is also a powerful lesson in financial stewardship. His foresight during years of abundance prepared Egypt—and surrounding nations—to survive years of famine. This biblical principle remains as relevant today as it was thousands of years ago.In Genesis 41, Joseph interprets Pharaoh's dreams, warning that seven years of abundance will be followed by seven years of famine. Pharaoh puts Joseph in charge of preparations, and Joseph sets aside 20% of the harvest during the good years. This disciplined stewardship meant survival when crisis hit.Back in 2006, I wrote an editorial drawing on this lesson, warning that the “years of plenty” could give way to economic trouble. Just two years later, the 2008–2009 Global Financial Crisis proved the point. Many of the underlying issues from that period—such as excessive debt and systemic risk—remain unresolved to this day.The Challenges We Face NowWhile I don't have the same sense of foreboding I felt in 2006, there are signs of stress in the global financial system:Runaway Debt – U.S. debt has risen from $10 trillion in 2008 to over $36 trillion today.Bigger Banks – Post-crisis reforms led to further consolidation, making the largest banks even larger.Central Bank Intervention – Years of near-zero interest rates and quantitative easing have encouraged dependence on stimulus.Political Division – Our political climate makes tackling systemic issues even more challenging.Preparing Personally for the Next StormWe can't control national or global problems, but we can prepare at a personal level. If you are in a “year of plenty,” now is the time to:Pay down debt and reduce obligations.Build an emergency fund to weather personal or economic downturns.Diversify investments, including assets that hold value in inflationary times—such as gold, real estate, commodities, or even small allocations to Bitcoin.Live below your means so you can give generously when needs arise.Financial Preparedness as Spiritual OpportunityPreparedness isn't just about protecting yourself—it's about positioning yourself to help others. Crises, whether national or personal, can open hearts to the gospel. If our finances are in order, we can respond like Joseph—meeting physical needs and sharing the spiritual hope found in Christ.If you're in a season of famine right now, don't lose heart. Trust God as your ultimate provider, take small steps forward, and connect with your church or community for support. Seasons change, and preparation now can mean you'll be ready when the next opportunity to serve—or survive—comes.For more on this topic, read the full editorial Years of Plenty, Years of Famine Revisited at SoundMindInvesting.org.On Today's Program, Rob Answers Listener Questions:I've owned a timeshare for years, but I think it's a bad investment. The maintenance fees are high, and I believe there are better vacation options. It will cost $2,000 to get out of it, but my wife likes it. How can I bring this up without hurting her feelings?In the Old Testament, tithing was clearly defined, but in the New Testament, Paul says giving should be something you decide in your heart. Some people tell me they give as they feel led—sometimes more, sometimes less. What are your thoughts on that approach to giving?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Years of Plenty, Years of Famine Revisited by Mark Biller (Sound Mind Investing Article)Sound Mind Investing (SMI)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.

Fired in 3 days, Dario Furman rebounded to bill $6.5M. Learn his recruitment growth strategies using relationships, niche focus & AI. Fired three days into his first recruiting job, Dario Furman could have walked away. Instead, a bold “second chance” email to the CEO got him rehired and launched a 17-year executive search career placing 500+ professionals and billing $6.5M at StevenDouglas. In this episode of The Resilient Recruiter, Dario shares how resilience, relationship-building, and smart use of AI helped him become one of Florida's top billers. You'll learn how he turned candidates into loyal clients, outworked his competition, and built a sustainable desk focused on quality, not transactions. You'll discover: The comeback story that began with a “second chance” email. How Dario became a top 3 national biller within a year. Overcoming fear of business development and calling C-suite decision-makers. Turning long-term candidate relationships into client revenue. Why did he “MPC'd” himself into StevenDouglas? Leveraging niche focus, KPIs, AI tools, and warm introductions to boost results. Automations that enhance, not replace, human connection. About Dario: Dario connects top-tier finance and accounting talent with South Florida's leading companies. Since joining StevenDouglas in 2014, he's placed 387 professionals with an 8% falloff rate, generating over $6.4M in fees. Fluent in English and Spanish, he combines modern recruiting tools with an old-school relationship-first approach. People and Resources Mentioned: James Cairns on LinkedIn ChatGPT  Herefish  Quil AI 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

08/15/25: Jamie Selzler is a Democratic National Committeeman from North Dakota, and is joined by the Executive Director of the Dem-NPL, Cheryl Biller. She shares comments after hearing Jamie's interview with Jennifer Benson regarding public dollars to private schools, and also gives an update on the state party. (Joel Heitkamp is a talk show host on the Mighty 790 KFGO in Fargo-Moorhead. His award-winning program, “News & Views,” can be heard weekdays from 8 – 11 a.m. Follow Joel on X/Twitter @JoelKFGO.)See omnystudio.com/listener for privacy information.

Fuhrig, Dirk www.deutschlandfunk.de, Büchermarkt

Fuhrig, Dirk www.deutschlandfunk.de, Büchermarkt

Are you struggling with setbacks in your recruiting career and searching for the ultimate bounce-back strategy? In this can't-miss episode of The Elite Recruiter Podcast, discover how Cathy Stewart—who once faced the brink of burnout and failure—rebuilt her confidence, pipeline, and reputation to soar as one of America's top-billing executive recruiters. Tune in and learn how you, too, can turn professional droughts into record-breaking recruiting success.   Host Benjamin Menna sits down with Cathy Stewart, a celebrated member of the Pinnacle Society and an expert in executive recruiting for the senior living space. Cathy's journey is raw, relatable, and incredibly motivating—she shares in detail how she lost her two biggest clients almost overnight and was left with no job orders on the calendar. Instead of giving in, Cathy doubled down, refined her process, and developed a bulletproof playbook for resilience and growth. In this episode, you'll uncover: The critical turning points that reshaped Cathy's mindset and recruiting methodologyDaily “non-negotiables” and habits that fueled her recovery and consistent performanceHow DISC personality profiling helped her instantly build rapport with tough clients and candidatesPractical ways to navigate hiring slowdowns, fall-offs, and challenging markets with positivity and accountability   Envision transforming your toughest setbacks into launchpads for your best years in agency or executive recruiting. Whether you're just starting out or a seasoned recruiter aiming for the next level, Cathy's actionable playbook delivers everything you need: How rebuilding her desk “two candidates a day” ignited a full pipeline from scratchMastering metrics, habits, and self-accountability that drive elite-level billingsLeveraging gratitude and mindset shifts to stay motivated, consistent, and connectedBuilding a reputation for placements that last, and client partnerships that endure   Ready to shift from survival mode to thriving in any recruiting market?

On this episode: - The St. Joseph Mustangs M.I.N.K. championship series Game 2 has been postponed. We have the updated schedule for you. - And former Mustang & Mid-Buchanan Dragon Denton Biller took the time to talk with me about his love for baseball, Mid-Buch Memories, the 2024 Mustangs, JCCC, Preparing for the Draft, going pro or Arkansas and so much more. A huge thank you to the following sponsors for their support of the podcast Tolly & Associates Little Caesars of St. Joseph John Anderson Insurance, Meierhofer Funeral Home & Crematory HiHo Bar & Grill Jayson & Mary Watkins Matt & Jenni Busby ✅ Michelle Cook Group ✅ Russell Book & Bookball 365 ✅ The St. Joseph Mustangs✅ B's Tees ✅ KT Logistics LLC Hixson-Klein Funeral Home ✅ James L. Griffith Law Firm of Maysville ✅ Toby Prussman of Premier Land & Auction Group, Barnes Roofing, ❌ HK Quality Sheet Metal, Redman Farms of Maysville, Melissa Winn, Amber & Anthony Henke, Adams Bar & Grill, Green Hills Insurance LLC., Cintas, Thrive Family Chiropractic, IV Nutrition of St. Joseph, J.C's Hardwood Floors, Roth Kid Nation Serve Link Home Care out of Trenton, Barnett's Floor Renewal LLC., Balloons D'Lux, B3 Renovations, KC Flooring & Drywall, C&H Handyman Plumming, The Hamilton Bank member FDIC, Wompas Graphix & Embroidery of Liberty, The Tabor Family, Ellis Sheep Company of Maysville, Bank Northwest of Cameron, Akey's Catering & Event Rentals, Brown Bear of St. Joseph, Whitney Whitt Agency of Hamilton, Wolf Black Herefords, The KCI Basketball Podcast & Jacob Erdman - Shelter Insurance of Rock Port, Rob & Stacia Studer, Green Family Chiropractic , Annie & Noah Roseberry of Re/Max Professionals, Moseley Farms, Jake Anderson of Shelter Insurance Bray Farms of Cameron. A slice & a swirl Adkison Barber Shop Moyer Concrete of Maysville Cody Vaughn, Wealth Advisor with Thrivent

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/-------------------------

Heute über die Sanftheit des Jakob Lundt, Maxim Biller als philosophisches Maschinengewehr, dessen Kolumne vom „Die Zeit“ Raketenabwehrsystem im Screenshot-Zeitalter eliminiert werden sollte. Joko und Klaas die kuscheligen, warmherzigen Hundewelpen in einer oft so kalten Medienbranche. Die Diskursverschiebung im Kopf von ZDF Moderatoren. Über Empfindung und empfundene Wirklichkeit.Apropos, fühlen sich Bifihüllen besser an als Kondome? Executive Producer: Christoph Falke & Ruben Schulze-FröhlichProjektleitung: Annabell RühlemannSounddesign & Produktion: Fabian Schäffler„Beisenherz und Polak – Friendly Fire“ ist ein Podcast aus den Wake Word Studios. Hosted on Acast. See acast.com/privacy for more information.

On Episode 13 of Steel, we catch up with guitarist and steel player Dave Biller. Based in Austin since the '90s, Dave's played with everyone from Johnny Bush and Ray Price to Jimmie Vaughan and Charley Crockett. There aren't many musicians who can play a classic country E9 gig in the afternoon, hit a jazz club on six-string that night, and then compose a piece for a chamber orchestra the next day...but Dave can. We talk about his winding musical path through rock, metal, jazz, and country; his various musical obsessions including John Coltrane, Jimmy Day, and Django Reinhardt; and the hotel room conversation that led him to spend a decade immersing himself fully in pedal steel. Read more about Dave and hear some of his music at the links below: Read more about Dave at the following links: Instagram Steel Ep 13 Spotify Playlist Steel Ep 13 Youtube Playlist Steel is brought to you by the Fretboard Journal magazine and is mixed by Armen Bazarian. fretboardjournal.com

Got questions? Send Ericka a Text!Dental insurance companies often deny necessary treatment claims not because they should, but because they can—and we explore how to fight back effectively through appeals and regulatory complaints.• 59% of denied claims are upheld simply because no appeal is ever filed• Unreasonable denials occur when patients have benefits but claims are still denied• State insurance commissioners can investigate denials and prompt payment violations• Understanding the difference between fully-insured and self-funded (ERISA) plans• For self-funded plans, complaints must go to the Department of Labor (866-444-3272)• Gather evidence including denials, submission reports, and clinical notes• Position your complaint as patient advocacy rather than financial recovery• Insurance companies cannot dictate treatment or force doctors to work for freeRemember: You're not just a biller—you are the patient advocate and the system of checks and balances they didn't see coming.Want to learn Dental Coding and Billing? Join here:https://tr.ee/efzYrY7mp-Would you like to set-up a billing consultation with Ericka? She 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)

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.

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.

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.