Podcasts about binghamton

This is a Grave Talks CLASSIC EPISODE!For more than two decades, Empirical Paranormal has been investigating unexplained activity across the Southern Tier of New York, documenting patterns that refuse to fade with time. Based in Binghamton, the team has conducted in-depth investigations at historic locations including the Phelps Mansion, the Bundy Museum, and the Kilmer Mansion.Over the years, they've encountered apparitions, phantom scents, unexplained sounds, and recurring phenomena—such as a clock that had never been wound suddenly chiming on its own, and EVP recordings capturing voices where no one was present. Rather than chasing spectacle, Empirical Paranormal relies on careful documentation, modern investigative tools, and an empathetic approach to understanding the people and histories tied to each site.Today on The Grave Talks, a conversation with Gina Caprari, Amy Scolaro, and Dominic Caprari about the hauntings that continue to challenge what we think we know about the spirit world.For more information, find them on Facebook and YouTube or go to their website empiricalparanormal.com. #TheGraveTalks #ParanormalInvestigation #EmpiricalParanormal #BinghamtonNY #HauntedHistory #RealGhostStories #EVPEvidence #HauntedNewYork #ParanormalPodcast #GhostInvestigations Love real ghost stories? Don't just listen—join us on YouTube and be part of the largest community of real paranormal encounters anywhere. Subscribe now and never miss a chilling new story:

This is a Grave Talks CLASSIC EPISODE! PART TWOFor more than two decades, Empirical Paranormal has been investigating unexplained activity across the Southern Tier of New York, documenting patterns that refuse to fade with time. Based in Binghamton, the team has conducted in-depth investigations at historic locations including the Phelps Mansion, the Bundy Museum, and the Kilmer Mansion.Over the years, they've encountered apparitions, phantom scents, unexplained sounds, and recurring phenomena—such as a clock that had never been wound suddenly chiming on its own, and EVP recordings capturing voices where no one was present. Rather than chasing spectacle, Empirical Paranormal relies on careful documentation, modern investigative tools, and an empathetic approach to understanding the people and histories tied to each site.Today on The Grave Talks, a conversation with Gina Caprari, Amy Scolaro, and Dominic Caprari about the hauntings that continue to challenge what we think we know about the spirit world.For more information, find them on Facebook and YouTube or go to their website empiricalparanormal.com.#TheGraveTalks #ParanormalInvestigation #EmpiricalParanormal #BinghamtonNY #HauntedHistory #RealGhostStories #EVPEvidence #HauntedNewYork #ParanormalPodcast #GhostInvestigationsLove real ghost stories? Don't just listen—join us on YouTube and be part of the largest community of real paranormal encounters anywhere. Subscribe now and never miss a chilling new story:

Send us a textMike Stewart started doing stand-up in Ithaca in 2021. Fresh out of the pandemic and going through a divorce, he began writing jokes and took to the stage. He's got an interesting backstory that he's only just started to dive into for material. Also, he runs for fun. Just disgusting. He runs a show at Hopshire Farm and Brewery in Freeville, N.Y., and he's got his hands all over much of the Ithaca comedy scene.Follow Mike Stewart:Instagram: https://www.instagram.com/msisfunny/Support the show

Today on Coast To Coast Hoops it is a straight forward podcast, there's just under 140 college basketball games on the betting board for Saturday & Greg picks & analyzes EVERY one of them!Link To Greg's Spreadsheet of handicapped lines: https://vsin.com/college-basketball/greg-petersons-daily-college-basketball-lines/Greg's TikTok With Pickmas Pick Videos: https://www.tiktok.com/@gregpetersonsports?is_from_webapp=1&sender_device=pcPodcast Highlights 4:06-Start of picks NC State vs Pittsburgh 6:04-Picks & analysis for Nebraska vs Minnesota 8:16-Picks & analysis for Ole Miss vs Kentucky 10:06-Picks & analysis for Clemson vs Georgia Tech12:34-Picks & analysis for Maryland vs Michigan St15:13-Picks & analysis for Niagara vs Sacred Heart 17:33-Picks & analysis for Georgetown vs Providence 20:00-Picks & analysis for Villanova vs Connecticut22:24-Picks & analysis for Mercer vs Wofford25:16-Picks & analysis for Drake vs Indiana St27:34-Picks & analysis for Southern Miss vs Coastal Carolina 30:17-Picks & analysis for Georgia vs Texas33:00-Picks & analysis for Quinnipiac vs Marist35:12-Picks & analysis for Hofstra vs William & Mary37:54-Picks & analysis for Florida International vs New Mexico St40:36-Picks & analysis for West Virginia vs Arizona43:06-Picks & analysis for Northern Carolina vs Virginia 45:29-Picks & analysis for Northeastern vs Drexel 47:47-Picks & analysis for St. Thomas vs South Dakota 50:18-Picks & analysis for UW Milwaukee vs Youngstown St52:55-Picks & analysis for Oklahoma vs Missouri 55:33-Picks & analysis for UW Green Bay vs Robert Morris 58:06-Picks & analysis for Duquesne vs Loyola Chicago1;00:17-Picks & analysis for Towson vs North Carolina A&T1:02:43-Picks & analysis for Brown vs Princeton 1:04:44-Picks & analysis for Arkansas St vs Georgia St1:07:07-Picks & analysis for Northern Illinois vs Ball St1:09:40-Picks & analysis for Yale vs Pennsylvania 1:11:56-Picks & analysis for Columbia vs Dartmouth1:14:06-Picks & analysis for Temple vs UT San Antonio1:16:55-Picks & analysis for George Mason vs Rhode Island 1:19:44-Picks & analysis for Cornell vs Harvard1:22:20-Picks & analysis for Miami vs Syracuse 1:24:46-Picks & analysis for St. John's vs Xavier1:27:10-Picks & analysis for  UNC Wilmington vs Hampton1:30:02-Picks & analysis for Illinois vs Purdue1:32:27-Picks & analysis for St. Peter's vs Merrimack 1:34:39-Picks & analysis for Central Florida vs Colorado1:37:09-Picks & analysis for Richmond vs George Washington 1:39:21-Picks & analysis for Troy vs Georgia Southern1:41:48-Picks & analysis for Oakland vs Detroit 1:44:26-Picks & analysis for Kent St vs Eastern Michigan 1:46:32-Picks & analysis for Western Kentucky vs Sam Houston1:49:12-Picks & analysis for Eastern Illinois vs Morehead St1:51:47-Picks & analysis for VMI vs Western Carolina 1:54:19-Picks & analysis for South Carolina vs Texas A&M 1:56:48-Picks & analysis for Virginia Tech vs Louisville 1:59:12-Picks & analysis for Memphis vs Wichita St2:01:32-Picks & analysis for San Diego St vs UNLV2:04:09-Picks & analysis for Auburn vs Florida 2:07:10-Picks & analysis for North Dakota vs Denver 2:10:11-Picks & analysis for Florida St vs SMU2:12:49-Picks & analysis for Monmouth vs Campbell2:15:25-Picks & analysis for Iowa St vs Oklahoma St2:18:02-Picks & analysis for Missouri St vs UTEP2:20:12-Picks & analysis for San Jose St vs Wyoming 2:22:29-Picks & analysis for Murray St vs Northern Iowa2:25:20-Picks & analysis for Elon vs Charleston2:27:52-Picks & analysis for Texas St vs James Madison 2:30:20-Picks & analysis for Air Force vs Boise St2:33:06-Picks & analysis for Tennessee St vs Lindenwood2:36:12-Picks & analysis for Bowling Green vs Toledo2:38:44-Picks & analysis for Rider vs Mount St. Mary's2:40:05-Picks & analysis for Portland St vs Idaho2:43:46-Picks & analysis for VCU vs Davidson2:46:12-Picks & analysis for UC Riverside vs UC Davis2:48:51-Picks & analysis for Tennessee Tech vs SIU Edwardsville 2:51:21-Picks & analysis for Seton Hall vs DePaul2:54:03-Picks & analysis for Sacramento St vs Eastern Washington 2:57:09-Picks & analysis for Utah vs BYU3::00:00-Picks & analysis for Wake Forest vs Duke3:02:23-Picks & analysis for Northwestern vs UCLA3:05:03-Picks & analysis for TCU vs Baylor3:08:07-Picks & analysis for Central Michigan vs Western Michigan 3:10:23-Picks & analysis for Dayton vs St. Joseph's 3:12:54-Picks & analysis for Pepperdine vs Washington St3:15:37-Picks & analysis for Idaho St vs Montana3:18:17-Picks & analysis for Delaware vs Liberty 3:20:43-Picks & analysis for Vanderbilt vs Mississippi St3:23:12-Picks & analysis for Boston College vs Notre Dame 3:25:27-Picks & analysis for Houston vs Texas Tech 3:27:54-Picks & analysis for Manhattan vs Iona3:30:13-Picks & analysis for Northern Kentucky vs Wright St 3:32:42-Picks & analysis for Seattle vs Pacific3:35:06-Picks & analysis for CS Fullerton vs Cal Poly3:37:49-Picks & analysis for Canisius vs Fairfield 3:40:10-Picks & analysis for UC Santa Barbara vs Long Beach St3:42:33-Picks & analysis for Grand Canyon vs Fresno St3:44:31-Picks & analysis for Kansas vs Kansas St3:46:45-Picks & analysis for Utah Valley vs Cal Baptist3:49:25-Picks & analysis for North Dakota St vs Oral Roberts 3:51:33-Picks & analysis for Chattanooga vs Samford3:53:24-Picks & analysis for San Francisco vs Gonzaga 3:55:54-Picks & analysis for California vs Stanford 3:58:25-Picks & analysis for Weber St vs Montana St4:00:23-Picks & analysis for Omaha vs Kansas City 4:02:20-Picks & analysis for Illinois Chicago vs Bradley4:04:35-Picks & analysis for Nevada vs New Mexico4:06:42-Picks & analysis for St. Mary's vs Portland4:08:52-Picks & analysis for Northern Colorado vs Northern Arizona 4:11:02-Picks & analysis for Tennessee vs Alabama4:13:07-Picks & analysis for LSU vs Arkansas 4:15:00-Picks & analysis for Southern Utah vs Utah Tech4:17:12-Picks & analysis for Santa Clara vs San Diego 4:19:15-Picks & analysis for UC Irvine vs UC San Diego 4:21:14-Picks & analysis for Cincinnati vs Arizona 4:23:12-Picks & analysis for CS Northridge vs Hawaii4:25:26-Start of extra games UMass Lowell vs UMBC4:27:37-Picks & analysis for Vermont vs Bryant4:29:31-Picks & analysis for Army vs Navy4:31:17-Picks & analysis for American vs Holy Cross4:33:16-Picks & analysis for Bellarmine vs North Florida 4:35:04-Picks & analysis for Albany vs New Hampshire 4:37:35-Picks & analysis for Boston U vs Colgate4:39:55-Picks & analysis for Binghamton vs Maine4:42:04-Picks & analysis for Eastern Kentucky vs Jacksonville 4:44:21-Picks & analysis for Alabama A&M vs Texas Southern 4:46:23-Picks & analysis for Jackson St vs Bethune Cookman 4:48:30-Picks & analysis for Winthrop vs Presbyterian 4:50:27-Picks & analysis for Nicholls vs SE Louisiana 4:52:20-Picks & analysis for Coppin St vs Norfolk St4:54:27-Picks & analysis for UT Rio Grande Valley vs Houston Christian 4:56:48-Picks & analysis for Queens NC vs West Georgia 4:59:06-Picks & analysis for New Orleans vs McNeese 5:01:17-Picks & analysis for Texas A&M CC vs Incarnate Word5:03:12-Picks & analysis for Bucknell vs Loyola MD 5:05:20-Picks & analysis for Mississippi Valley St vs Grambling 5:07:27-Picks & analysis for Alabama St vs Prairie View5:09:35-Picks & analysis for Morgan St vs Howard5:13:13-Picks & analysis for Alcorn St vs Florida A&M5:15:24-Picks & analysis for Arkansas Pine Bluff vs Southern5:17:08-Picks & analysis for Lafayette vs Lehigh5:19:04-Picks & analysis for Stephen F Austin vs Lamar Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Send us a textGreg Owens started doing stand-up 14 years ago in Rochester, N.Y. He only did a contest each of his first two years, then a couple of showcases before really diving into it. Since the pandemic, he's performed all over New York and Pennsylvania. He's been at Soul Joel's in Royersford, Pa., and the Comedy at the Carlson in Rochester. Always a Philly guy, Owens will be headlining the Rickles Room at the Carlson on Saturday, Feb. 7. Get tickets and see him live. If you can't do that, check out his special, Submarine Dad, on YouTube.Follow Greg Owens: Instagram: https://www.instagram.com/gregowenscomedy/YouTube: https://www.youtube.com/channel/UC1MYKfGGXbn_hJIfgL4MfOgSubmarine Dad: https://www.youtube.com/watch?v=SkrCXWdYVYoComedy at the Carlson tickets (Feb. 7, 2026): https://ci.ovationtix.com/35843/production/1257051?performanceId=11720982Support the show

Today on Coast To Coast Hoops Greg recaps Wednesday's college basketball results, talks to Colby Marchio of Your Betting News about the sport's top teams experiencing some tough tests, why the futures market is currently murky, the Big East landscape, & handicapping scheduling spots, & Greg picks & analyzes every Thursday game!Link To Greg's Spreadsheet of handicapped lines: https://vsin.com/college-basketball/greg-petersons-daily-college-basketball-lines/Greg's TikTok With Pickmas Pick Videos: https://www.tiktok.com/@gregpetersonsports?is_from_webapp=1&sender_device=pcPodcast Highlights 1:16-Recap of Wednesday's Results18:18-Interview with Colby Marchio36:07-Start of picks UW Green Bay vs Youngstown St38:35-Picks & analysis for Louisiana vs Appalachian St41:08-Picks & analysis for Campbell vs Charleston43:26-Picks & analysis for South Alabama vs James Madison46:00-Picks & analysis for Monmouth vs Hampton48:19-Picks & analysis for Wisconsin vs Penn St50:54-Picks & analysis for UW Milwaukee vs Robert Morris53:16-Picks & analysis for Southern Miss vs Georgia St56:26-Picks & analysis for South Florida vs UAB58:52-Picks & analysis for Texas St vs Coastal Carolina1:01:22-Picks & analysis for Merrimack vs Iona1:03:20-Picks & analysis for Stony Brook vs Northeastern1:06:09-Picks & analysis for UNC Wilmington vs William & Mary1:09:07-Picks & analysis for Quinnipiac vs Mount St. Mary's1:11:32-Picks & analysis for Canisius vs Sacred Heart1:14:/03-Picks & analysis for Hofstra vs North Carolina A&T1:16:57-Picks & analysis for Marist vs Siena1:19:38-Picks & analysis for Arkansas St vs Georgia Southern1:22:12-Picks & analysis for Towson vs Elon1:24:55-Picks & analysis for Niagara vs Fairfield1:27:12-Picks & analysis for UL Monroe vs Marshall1:29:32-Picks & analysis for Western Illinois vs Morehead St1:32:14-Picks & analysis for North Dakota vs Oral Roberts1:34:42-Picks & analysis for Eastern Illinois vs Southern Indiana1:37:03-Picks & analysis for Tennessee Tech vs Lindenwood1:39:33-Picks & analysis for Little Rock vs SE Missouri St1:42:14-Picks & analysis for Weber St vs Montana1:44:38-Picks & analysis for Missouri St vs New Mexico St1:46:57-Picks & analysis for Tennessee St vs SIU Edwardsville1:49:00-Picks & analysis for Sacramento St vs Idaho1:51:53-Picks & analysis for Portland St vs Eastern Washington1:54:55-Picks & analysis for South Dakota St vs St. Thomas1:57:38-Picks & analysis for Cal Poly vs UC Santa Barbara1:59:59-Picks & analysis for UC San Diego vs UC Davis2:02:33-Picks & analysis for Idaho St vs Montana St2:05:20-Picks & analysis for Florida International vs UTEP2:07:33-Picks & analysis for North Dakota St vs Denver2:10:02-Picks & analysis for UC Irvine vs UC Riverside2:12:19-Picks & analysis for Long Beach St vs CS Fullerton2:15:03-Picks & analysis for CS Bakersfield vs Hawaii2:17:47-Start of extra games Vermont vs UMass Lowell2:19:54-Picks & analysis for Albany vs Maine2:22:30-Picks & analysis for Binghamton vs New Hampshire2:24:46-Picks & analysis for NJIT vs UMBC2:27:00-Picks & analysis for Bellarmine vs Jacksonville2:29:24-Picks & analysis for Central Arkansas vs West Georgia2:31:49-Picks & analysis for Eastern Kentucky vs North Florida2:34:08-Picks & analysis for Stetson vs Lipscomb2:36:30-Picks & analysis for Florida Gulf Coast vs Austin Peay Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Being a Millionaire Ain’t What It Used to Be Episode 367 – It wasn't that long ago that Regis Philbin drew massive viewers with his TV program Who Wants to be a Millionaire. Never mind the fact that the top prize was $1 million before taxes, which is considerably less than $1 million after taxes. But in today's economy, being a millionaire does not necessarily project the same status it once did. Or does it? More SML Planning Minute Podcast Episodes Transcript of Podcast Episode 367 Hello, this is Bill Rainaldi, with another edition of Security Mutual's SML Planning Minute. In today's episode, being a millionaire ain’t what it used to be. It wasn't that long ago that Regis Philbin drew massive viewers with his TV program Who Wants to Be a Millionaire. Never mind the fact that the top prize was $1 million before taxes, which is considerably less than $1 million after taxes. And while it's much more noticeable today, even during Y2K, being a millionaire did not give the same status that it once did. Yet it's an achievement many of us are shooting for. According to a new study, almost half of all workers (48 percent) have set $1 million as their retirement benchmark. That number was only 37 percent in 2024. But people aren't necessarily optimistic about reaching that milestone. In fact, a mere 27 percent actually expect to get there.[1] Another recent study provides more information on this. An analysis of government survey data done by Bloomberg indicates that there are more than 24 million millionaire households, or almost one in five. But a lot of that wealth is sealed into 401(k)s, IRAs and home equity, none of which is easily accessible. This is especially true for households in the lower end of the millionaire spectrum, with a net worth between $1 million and $2 million, which on average, have 66 percent of their wealth locked into these types of assets.[2] It’s important not to minimize what so many people have accomplished. $1 million is a great emotional milestone. And it's still a lot of money. The median household net worth is considerably less: about $193,000.[3] But nowadays, you might not be able to live off $1 million. It could end up lasting you a long time, but it all depends on where you live (which you can control), your health and longevity (which you might not be able to control), and how much you spend on things like housing, health care and other expenses. Every situation is different, of course. The cost of living varies widely throughout the United States. According to research by Forbes magazine, the average cost of living, defined as “housing costs, transportation, health care, food and income taxes,” is the highest in Hawaii at $55,491. Mississippi comes in the lowest with an average of $32,336. Of course, this is just for the essentials. The figures don't include entertainment, travel or anything else.[4] When it comes to longevity, average life expectancy has some quirks to it. For one thing, each year you age, your remaining life expectancy goes down, but not by a full year. This is a statistical oddity due to the fact that you're still here, but a few of your peers are not. For example, if you are a male age 60, your remaining life expectancy is 23.3 years, or to age 83.3. But if you make it to age 65, your new life expectancy is 19.3 years, or to age 84.3.[5] There are gender differences as well. For people age 65, females, on average, outlive males by approximately 2.7 years.[6] These are all just averages, of course. But the resulting life expectancies are often longer than people might anticipate. Here's another unique statistic: For a married couple age 60, there is approximately a 60 percent chance that at least one of the two will live past age 90.[7] That may or may not be you, but the longer you expect to live, the more concerned you will be about whether your $1 million is enough. How long will it last, and will you still be around when it runs out? Here are three hypotheticals compiled by SmartAsset. In the first one, assume you start with $1 million and get a 6 percent return. Also assume you are in a 24 percent tax bracket and you spend $5,000 per month. In that scenario, your $1 million should last you 30 years. But in the second scenario, assuming your return goes down to 5 percent, the well would run dry in 26 years. In the third scenario, your return goes up to 7 percent. But your tax bracket is also higher: 32 percent, and your withdrawal goes up to $6,000 per month. With those assumptions, your savings would only last 23 years.[8] Keep in mind that these examples do not include other sources of income such as Social Security. The maximum amount of Social Security you can collect is $5,181[9] per month before tax and Medicare charges, but that assumes you paid in the maximum and collect at age 70, which less than 10 percent of people do.[10] The average benefit is approximately $1,959 per month.[11] But when it comes to retirement income, the one huge advantage Social Security has is that it is indexed for inflation, although the Cost of Living Adjustment (or COLA) increases don't always keep up. So, how much you can accumulate for retirement is important, but it's not everything. Perhaps some of us are focusing on the wrong thing. Maybe it's just as important to have an income plan as it is to have an accumulation plan.[12] In other words, no matter how much you save, it's still only the first half of the journey. [1] Randall, Steve. “Nearly half of workers peg retirement target at $1M as anxiety climbs.” Investmentnews.com. https://www.investmentnews.com/retirement-planning/nearly-half-of-workers-peg-retirement-target-at-1m-as-anxiety-climbs/263546 (accessed December 15, 2025). [2] Steverman, Ben, Tartar, Andre and Davidson, Stephanie. “America Is Minting Lots Of Cash-Strapped Millionaires.” Fa-mag.com. https://www.fa-mag.com/news/america-is-minting-lots-of-cash-strapped-millionaires-84395.html (accessed December 12, 2025). [3] Kane, Libby. “The net worth it takes at every age to be richer than most people you know.” Businessinsider.com https://www.businessinsider.com/net-worth-data-american-wealth-age-2025-4 (accessed December 12, 2025). [4] Rothstein, Robin. “Examining The Cost Of Living By State.” Forbes.com. https://www.forbes.com/advisor/mortgages/cost-of-living-by-state/ (accessed December 15, 2025). [5] Social Security Administration. “Retirement & Survivors Benefits: Life Expectancy Calculator.” Ssa.gov. https://www.ssa.gov/OACT/population/longevity.html (accessed December 15, 2025). [6] The Global Statistics. “Life Expectancy by Age in the US 2025 | Stats & Facts.” Theglobalstatistics.com. https://www.theglobalstatistics.com/life-expectancy-by-age/ (accessed December 15, 2025). [7] Social Security Administration. “Longevity Visualizer.” SSA.gov. https://www.ssa.gov/policy/tools/longevity-visualizer/index.html (accessed December 15, 2025). [8] Smartasset.com. “Is $1M Enough to Retire Comfortably in 2025? Replace Guesswork With a Fiduciary-Built Plan.” Insights.smartasset.com. https://insights.smartasset.com/sem/how-long-will-1m-last-in-retirement?utm (accessed December 15, 2025). [9] Social Security Administration. “Worker with steady earnings at the maximum level since age 22.” Ssa.gov. https://www.ssa.gov/OACT/COLA/examplemax.html (accessed December 15, 2025). [10] Royal, James. “What age do most Americans take Social Security?” Bankrate.com. https://www.bankrate.com/retirement/when-do-most-americans-take-social-security/ (accessed December 15, 2025). [11] Horton, Cassidy. “What's the average Social Security check in Dec. 2025?” Aol.com. https://www.aol.com/finance/retirement-planning/article/average-social-security-benefit-payment-december-2025-195039610.html (accessed December 15, 2025). [12] LaPonsie, Maryalene. “Can You Retire on $1 Million? Here’s How Far It Will Go in 2025.” USNews.com. https://money.usnews.com/money/retirement/articles/can-you-retire-on-one-million (accessed December 15, 2025). More SML Planning Minute Podcast Episodes This podcast is brought to you by Security Mutual Life Insurance Company of New York, The Company That Cares®. The content provided is intended for educational and informational purposes only. Information is provided in good faith. However, the Company makes no representation or warranty of any kind regarding the accuracy, reliability, or completeness of the information. The information presented is designed to provide general information regarding the subject matter covered. It is not to serve as legal, tax or other financial advice related to individual situations, because each individual's legal, tax and financial situation is different. Specific advice needs to be tailored to your situation. Therefore, please consult with your own attorney, tax professional and/or other advisors regarding your specific situation. To help reach your goals, you need a skilled professional by your side. Contact your local Security Mutual life insurance advisor today. As part of the planning process, he or she will coordinate with your other advisors as needed to help you achieve your financial goals and objectives. For more information, visit us at SMLNY.com/SMLPodcast. If you've enjoyed this podcast, tell your friends about it. And be sure to give us a five-star review. And check us out on LinkedIn, YouTube and Twitter. Thanks for listening, and we'll talk to you next time. Tax laws are complex and subject to change. The information presented is based on current interpretation of the laws. Neither Security Mutual nor its agents are permitted to provide tax or legal advice. The applicability of any strategy discussed is dependent upon the particular facts and circumstances. Results may vary, and products and services discussed may not be appropriate for all situations. Each person's needs, objectives and financial circumstances are different, and must be reviewed and analyzed independently. We encourage individuals to seek personalized advice from a qualified Security Mutual life insurance advisor regarding their personal needs, objectives, and financial circumstances. Insurance products are issued by Security Mutual Life Insurance Company of New York, Binghamton, New York. Product availability and features may vary by state.​ SubscribeApple PodcastsSpotifyAndroidPandoraBlubrryby EmailTuneInDeezerRSSMore Subscribe Options

Send us a textLuca Spinoso started doing stand-up a couple years ago in Harford County, Md., a little bit north of Baltimore. He moved to Florida as a kid and came back to Maryland when he was 19. He and his buddies went to an open mic one night and they signed him up. Since then, he's joined a group of comedians called The Barrel Boys and they've been pushing each other. He's part of the Harford County Comedy Festival, which starts on Monday, Feb. 9 and goes through Valentine's Day. Also, he's done meth accidentally and gotten stabbed. But who hasn't done those things?Follow Luca Spinoso: Instagram: https://www.instagram.com/lucawoodspinoso/TikTok: https://www.tiktok.com/@lucaspinoso1Support the show

Today on Coast To Coast Hoops Greg recaps Wednesday's college basketball results, talks to Rob Donaldson of Underdog Fantasy about the top teams in the sport being tested, the landscape of mid-majors like the American Conference, & Thursday's games, & Greg picks & analyzes every Tuesday game!Link To Greg's Spreadsheet of handicapped lines: https://vsin.com/college-basketball/greg-petersons-daily-college-basketball-lines/Greg's TikTok With Pickmas Pick Videos: https://www.tiktok.com/@gregpetersonsports?is_from_webapp=1&sender_device=pcPodcast Highlights 1:19-Recap of Wednesday's Results15:01-Interview with Rob Donaldson35:16-Start of picks New Mexico St vs Liberty38:28-Picks & analysis for Mercer vs VMI41:04-Picks & analysis for James Madison vs Appalachian St44:06-Picks & analysis for Robert Morris vs IU Indy46:28-Picks & analysis for Old Dominion vs Georgia Southern49:05-Picks & analysis for Hofstra vs Stony Brook51:41-Picks & analysis for Oakland vs UW Milwaukee 54:15-Picks & analysis for UTEP vs Delaware 57:04-Picks & analysis for Drexel vs Monmouth 1:00:09-Picks & analysis for Detroit vs Northern Kentucky 1;02:57-Picks & analysis for Elon vs Northeastern 1:05:56-Picks & analysis for Youngstown St vs Wright St1:08:48-Picks & analysis for UW Green Bay vs Cleveland St1:11:33-Picks & analysis for The Citadel vs UNC Greensboro 1:14:07-Picks & analysis for North Carolina A&T vs William & Mary1:17:01-Picks & analysis for St. Thomas vs North Dakota 1:19:25-Picks & analysis for Arkansas St vs South Alabama 1:21:57-Picks & analysis for Cal Baptist vs Abilene Christian 1:24:30-Picks & analysis for Charleston vs Towson 1:27:21-Picks & analysis for Kansas City vs South Dakota 1:29:51-Picks & analysis for Eastern Illinois vs Little Rock 1:32:20-Picks & analysis for Morehead St vs Tennessee St1:34:49-Picks & analysis for Southern Indiana vs Tennessee Tech1:37:30-Picks & analysis for Tarleton St vs Southern Utah1:40:07-Picks & analysis for SIU Edwardsville vs UT Martin1:42:49-Picks & analysis for Wichita St vs Florida Athletic1:45:50-Picks & analysis for Lindenwood vs SE Missouri St1:48:31-Picks & analysis for Idaho vs Idaho St1:51:15-Picks & analysis for UT Arlington vs Utah Tech1:53:50-Picks & analysis for CS Fullerton vs UC Davis 1:56:21-Picks & analysis for Eastern Washington vs Weber St1:58:56-Picks & analysis for UC Santa Barbara vs CS Bakersfield 2:01:31-Picks & analysis for Hawaii vs Cal Poly2:04:05-Picks & analysis for UC Riverside vs Long Beach St2:06:27-Picks & analysis for Northern Arizona be Sacramento St2:09:21-Picks & analysis for Northern Colorado vs Portland St2:11:34-Picks & analysis for Gonzaga vs Washington St2:14:03-Picks & analysis for San Diego vs Seattle2:16:08-Picks & analysis for CS Northridge vs UC San Diego 2:18:41-Start of extra games UMBC ve Bryant2:21:26-Picks & analysis for NJIT vs UMass Lowell2:23:45-Picks & analysis for Binghamton vs Albany2:26:22-Picks & analysis for West Georgia vs Stetson2:28:29-Picks & analysis for Queens NC vs Florida Gulf Coast 2:30:55-Picks & analysis for North Florida vs North Alabama 2:33:33-Picks & analysis for Maine vs Vermont2:36:12-Picks & analysis for Jacksonville vs Central Arkansas 2:38:23-Picks & analysis for Bellarmine vs Lipscomb2:40:15-Picks & analysis for Eastern Kentucky vs Austin Peay Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

This week on Better Buildings for Humans, host Joe Menchefski welcomes building science legend Dr. Joseph Lstiburek for an unfiltered and unforgettable conversation. From mold to CO₂ myths, Joseph challenges conventional thinking about ventilation, insulation, humidity control, and what really makes a building “healthy.” With decades of hands-on experience, a sharp wit, and a no-nonsense take on industry dogma, he dives deep into where the U.S. is falling short—and how Canada got it right. You'll hear why "drying potential" matters more than you think, the trouble with high-performance HVAC, and why most over-ventilated buildings are actually failing their occupants. This episode is a must-listen for anyone serious about high-performance buildings, durable design, and real-world building science.More About Thierry ParetThierry Paret is an award-winning architect and seasoned leader with extensive international management experience in the U.S., Europe, and the Middle East. As Vice President of the Architecture and Engineering Department at the New York City School Construction Authority (NYCSCA), he oversees the design of renovations, upgrades, and new construction for approximately 1,500 school buildings. Each year, his team designs or manages external consultants responsible for designing 10-12 new schools for the NYC Department of Education, part of a $20.6 billion capital plan for the nation's largest unified school system, which serves nearly one million students.Thierry leads a team of 300 architects, engineers, designers, project managers and administrators, ensuring design excellence across all projects. His leadership extends to two studios responsible for managing contracts with external private-sector firms, further supporting the Authority's ambitious infrastructure goals.Prior to joining NYCSCA in 2023, Thierry led the New York State practice at IBI Group-Arcadis, overseeing operations in New York City and Binghamton. He has held senior design leadership roles at several international architecture firms, served as a Design Advisor to the government of Qatar, and acted as Campus Architect for the prestigious King Abdullah University of Science and Technology (KAUST) in Saudi Arabia which happened to be the first LEED Platinum campus in the Middle East.A registered architect in multiple U.S. states, the United Kingdom, and the Republic of Ireland, Thierry's portfolio spans university campuses, corporate headquarters, life science facilities, and mixed-use developments, with a focus on sustainability. His commitment to the profession is evident through his service on numerous boards and committees, including the American Institute of Architects (AIA) National Board, where he was a Director-at-Large, founding President of AIA International and AIA Middle East, and member of NCARB's International Competency Workgroup. Thierry was most recently elected to the AIA National's Strategic Council as a Counselor for the 2025-2027 term.Thierry has been a presenter at architectural and industry conferences in the United States, Europe, Asia and the Middle East during his extensive international career.In 2014, Thierry was inducted into the College of Fellows of the American Institute of Architects, an honor held by only 2.5% of AIA members. He is also an AIA Richard Upjohn Fellow.Contact:http://linkedin.com/in/thierry-paret-faia-ncarb-riba-arb-mriai-leed-ap-8859849www.nycsca.org www.thierryparet-architect.comWhere To Find Us:https://bbfhpod.advancedglazings.com/www.advancedglazings.comhttps://www.linkedin.com/company/better-buildings-for-humans-podcastwww.linkedin.com/in/advanced-glazings-ltd-848b4625https://twitter.com/bbfhpodhttps://twitter.com/Solera_Daylighthttps://www.instagram.com/bbfhpod/https://www.instagram.com/advancedglazingsltdhttps://www.facebook.com/AdvancedGlazingsltd

Going Paperless: To Be or Not to Be? Episode 366 – Over the years, it seems that each of us—whether by choice or not– has been moving gradually from paper statements and checks to digital. Is it time to cut the cord completely? More SML Planning Minute Podcast Episodes Transcript of Podcast Episode 366 Hello, this is Bill Rainaldi, with another edition of Security Mutual's SML Planning Minute. In today's episode, is it time to go paperless? Like many people, I tend to save stuff: like credit card bills, bank statements, paper receipts, etc. I throw them into an empty file drawer until the end of the year. Then, on an annual basis, I'll sort through this giant pile of paper, organize everything and place it into a series of folders, which take up space in my filing cabinet. It all leads to one inevitable question: Why? What's the point of spending all this time organizing all this paperwork that, likely, I'm never going to look at again. Certainly, some items, such as cards and notes from family members, are worth saving. But what about the other 95 percent? For many of us, it's simply the force of habit. Going digital has its advantages. For one thing, you may find that once you're used to it, digital documents can be easier to organize and access, and you'll save time in the process. Not to mention the space you can save in your house, and the overall environmental impact. Has the time come for most of us to go fully paperless? If so, where do we even begin? The process often starts with a few small steps such as getting some of your statements by email or paying some of your bills using a direct transfer rather than a paper check. But there's still a lot of paper. What's the next phase if you want to get more organized? Here are a few steps you can take: Switch to online billing and statements. Using online tools with financial institutions and service providers, such as your cellular company, can make a big dent in your paper clutter. The truth is, if you need to look up one of your old statements, it'll probably take less time to find it online than if you had to dig through your paperwork. Pay bills online. You can schedule your online payments through your bank. They can make your payments automatically every month, or if you don't want to go that far, they can automatically remind you when a payment is due.   When was the last time you sent a check somewhere, only to have it lost in the mail? This is one way to avoid such a hassle. Plus, in most cases, by paying online you can decide exactly what day the other party receives the funds.   There are limits, of course. Your landlord may still want a paper check. Same thing with certain vendors, like your landscaper or cleaning service if you have one. So at least for now, no matter how far you want to take this, you're still going to be writing a few checks. Digital note-taking. If you take a lot of notes during meetings, whether for business or personal reasons, a digital note-taking platform can help. And not just with the process itself, but also with providing easy access later on. Some of the most well-known platforms are Evernote, Microsoft OneNote, and Notion.[1] Your to-do list. Most smartphones have a “to-do” app which can help organize your essential work and/or personal tasks. They make it very hard to forget your priority items. Taking advantage of digital signatures. Digital signature tools eliminate the need to print and physically sign important documents. It's a good way to save your time and resources. Among the most popular of these tools are Adobe Acrobat Sign and Docusign.[2] Storing your digital information. You'll need to select a place to keep your data safe and organized. Some of the most popular are Google Drive, Microsoft OneDrive and Dropbox.[3] One more tip: It might be best to start a project like this on a going-forward basis. That is, try not to think much about the big pile of paperwork you already have. There's no need to feel overwhelmed by that backlog. You'll get to it someday. And when you do, you might consider purchasing a quality paper shredder to help you through your pile. There are also shredding services you can contract that will pick up any documents you set aside for disposal. For now, it's more important just to get started with something. But also note that there are limits to how far you can go. Not many people ever truly achieve a 100 percent digital lifestyle. There are some items that you'll still need to keep a paper copy of, such as wills, birth certificates, title deeds and stock certificates. You might also want to keep a paper printout of your most important online account data, perhaps in a safe. It could save time and money for your family should something happen to you. But more than that, there are likely some paper items that you will never be able to replace. I received a birthday card from my grandmother in 1976 with a crisp new $5 bill in it. It still sits on my desk with the $5 intact. I wouldn't trade it for anything. [1] Erdem. “How to Go Paperless: A Step-by-Step Guide.” Clinked.com. https://www.clinked.com/blog/go-paperless (accessed December 31, 2025). [2] Id. [3] Duffy, Jill. “7 Easy Tips to Finally Go Paperless.” PCMag.com. https://www.pcmag.com/how-to/7-easy-tips-to-finally-go-paperless (accessed December 31, 2025). More SML Planning Minute Podcast Episodes This podcast is brought to you by Security Mutual Life Insurance Company of New York, The Company That Cares®. The content provided is intended for educational and informational purposes only. Information is provided in good faith. However, the Company makes no representation or warranty of any kind regarding the accuracy, reliability, or completeness of the information. The information presented is designed to provide general information regarding the subject matter covered. It is not to serve as legal, tax or other financial advice related to individual situations, because each individual's legal, tax and financial situation is different. Specific advice needs to be tailored to your situation. Therefore, please consult with your own attorney, tax professional and/or other advisors regarding your specific situation. To help reach your goals, you need a skilled professional by your side. Contact your local Security Mutual life insurance advisor today. As part of the planning process, he or she will coordinate with your other advisors as needed to help you achieve your financial goals and objectives. For more information, visit us at SMLNY.com/SMLPodcast. If you've enjoyed this podcast, tell your friends about it. And be sure to give us a five-star review. And check us out on LinkedIn, YouTube and Twitter. Thanks for listening, and we'll talk to you next time. Tax laws are complex and subject to change. The information presented is based on current interpretation of the laws. Neither Security Mutual nor its agents are permitted to provide tax or legal advice. The applicability of any strategy discussed is dependent upon the particular facts and circumstances. Results may vary, and products and services discussed may not be appropriate for all situations. Each person's needs, objectives and financial circumstances are different, and must be reviewed and analyzed independently. We encourage individuals to seek personalized advice from a qualified Security Mutual life insurance advisor regarding their personal needs, objectives, and financial circumstances. Insurance products are issued by Security Mutual Life Insurance Company of New York, Binghamton, New York. Product availability and features may vary by state.​ SubscribeApple PodcastsSpotifyAndroidPandoraBlubrryby EmailTuneInDeezerRSSMore Subscribe Options

Send us a textDanny Pee has been doing stand-up in Manchester, N.H., for about five years. He got the taste for it during a best man's speech at his brother's wedding. Once the pandemic came to a close, he decided to give it a go. He began hosting the open mic at Strange Brew Tavern less than three years in and is helping to produce shows with the Laugh Attic. Between raising two kids with his wife, he's been able to make his mark across the New England comedy scene.Follow Danny Pee:Instagram: https://www.instagram.com/dannypeecomedy/Facebook: TikTok: https://www.tiktok.com/@dannypeecomedyThreads: https://www.threads.com/@dannypeecomedyYouTube: https://www.youtube.com/@dannypeecomedySupport the show

Today on Coast To Coast Hoops Greg recaps Wednesday's college basketball results, talks to Tanner McGrath of Action Network about the top teams in college basketball being more vulnerable than some may think, the America East landscape, & Thursday's games, & Greg picks & analyzes every Thursday game!Link To Greg's Spreadsheet of handicapped lines: https://vsin.com/college-basketball/greg-petersons-daily-college-basketball-lines/Greg's TikTok With Pickmas Pick Videos: https://www.tiktok.com/@gregpetersonsports?is_from_webapp=1&sender_device=pcPodcast Highlights 1:43-Recap of Wednesday's Results19:58-Interview with Tanner McGrath35:47-Start of picks Hofstra vs Towson38:54-Picks & analysis for Northwestern vs Michigan St41:16-Picks & analysis for Old Dominion vs Coastal Carolina43:54-Picks & analysis for Hampton vs Campbell46:27-Picks & analysis for Stony Brook vs Drexel49:17-Picks & analysis for Liberty vs Louisiana Tech51:55-Picks & analysis for Elon vs North Carolina A&T54:24-Picks & analysis for UNC Wilmington vs Northeastern56:53-Picks & analysis for Appalachian St vs Georgia St59:48-Picks & analysis for William & Mary vs Monmouth1:02:41-Picks & analysis for Delaware vs Sam Houston1:05:27-Picks & analysis for UT Martin vs Morehead St1:08:21 Picks & analysis for North Dakota vs Omaha1:10:37-Picks & analysis for Texas St vs Southern Miss1:13:04-Picks & analysis for Abilene Christian vs Tarleton St1:15:35-Picks & analysis for Denver vs Southern Dakota St1:18:03-Picks & analysis for Weber St vs Northern Arizona1:20:48-Picks & analysis for North Dakota St vs Kansas City1:23:15-Picks & analysis for Idaho St vs Northern Colorado1:25:53-Picks & analysis for Southern Utah vs Utah Valley1:28:34-Picks & analysis for Rutgers vs Illinois1:31:02-Picks & analysis for Tennessee tech vs Eastern Illinois1:32:59--Picks & analysis for Tennessee St vs Western Illinois1:36:50-Picks & analysis for Little Rock vs SIU Edwardsville1:38:43-Picks & analysis for SE Missouri St vs Southern Indiana1:42:07-Picks & analysis for UL Monroe vs Louisiana1:45:25-Picks & analysis for Montana vs Idaho1:48:14-Picks & analysis for Middle Tennessee vs UTEP1:50:52-Picks & analysis for UC Davis vs UC Santa Barbara1:54:04-Picks & analysis for Western Kentucky vs New Mexico St1:56:55-Picks & analysis for Montana S vs Eastern Washington2:00:07-Picks & analysis for UC Riverside vs CS Bakersfield2:02:57-Picks & analysis for Pepperdine vs San Diego2:05:30-Picks & analysis for CS Fullerton vs UC San Diego2:08:17-Picks & analysis for Long Beach St vs UC Irvine2:11:46-Picks & analysis for Pacific vs Portland2:14:40-Picks & analysis for Seattle vs Oregon St2:17:15-Picks & analysis for Cal Poly vs CS Northridge2:19:51-Picks & analysis for Utah Tech vs Cal Baptist2:22:18-Picks & analysis for Ohio St vs Oregon2:24:59-Picks & analysis for San Francisco vs Loyola Marymount2:27:14-Picks & analysis for Santa Clara vs Gonzaga2:29:32-Start of extra games Chicago St vs Fairleigh Dickinson2:32:00-Picks & analysis for UMass Lowell vs Bryant2:34:10-Picks & analysis for Maine vs UMBC2:36:37-Picks & analysis for Austin Peay vs Florida Gulf Coast2:39:04-Picks & analysis for Central Arkansas vs Bellarmine2:41:34-Picks & analysis for North Alabama vs Eastern Kentucky2:44:09-Picks & analysis for West Georgia vs North Florida2:46:15-Picks & analysis for Queens NC vs Jacksonville2:48:44-Picks & analysis for New Hampshire vs NJIT2:51:03-Picks & analysis for New Haven vs Le Moyne2:53:26-Picks & analysis for Stonehill vs Central Connecticut2:55:51-Picks & analysis for Mercyhurst vs Long Island2:58:21-Picks & analysis for St. Francis PA vs Wagner3:00:44-Picks & analysis for Lipscomb vs Stetson3:03:09-Picks & analysis for Binghamton vs Vermont Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Important Tax Considerations for Newlyweds Episode 365 – Have you gotten married recently? The next steps are considerably less exciting. There are some important financial steps you need to take. More SML Planning Minute Podcast Episodes Transcript of Podcast Episode 365 Hello, this is Bill Rainaldi, with another edition of Security Mutual's SML Planning Minute. In today's episode, some important tax considerations for newlyweds. So, congrats on your recent marriage. If you're like most people, your wedding probably involved a significant amount of planning and detail: where, when, who to invite, who not to invite, where to seat everybody, etc. You may be glad you to get through such an important life-changing event, and you're ready to move on with the rest of your life. But you're not done quite yet. There are a number of financial details you may need to address. Here are just a few of them: Name change. If there is a name change involved, you'll need to report it to the Social Security Administration (SSA). When you file your next tax return, the name on that return needs to match what the SSA has on file. The Internal Revenue Service, or IRS, recommends that you file a new Form SS-5, Application for a Social Security Card, which is available at SSA.gov.[1] Update your address. Make sure you let the IRS, the Postal Service, and your employer know about any address change. Coordinate your benefits. You might now have access to a better—or cheaper—health insurance plan.[2] You'll need to look things over with your new spouse. Decide on your new filing status. Once you're married, you can choose to file jointly or separately each year. While the IRS says that filing jointly is usually less expensive, they recommend that you calculate it both ways before you decide. Also, it doesn't really matter what day you got married. Even if it's on New Year's Eve, the rules state that for tax purposes, you're considered married for the entire year.[3] Married filing separately. Once they're married, few people elect to file their income taxes separately. This is because it usually results in the highest combined taxes. But some people do this anyway because the individual filing the return is the only one liable for any tax bills and errors on that return. It also happens when the two spouses decide, for whatever reason, that they would prefer to only be responsible for their own taxes.[4] Marriage penalty. The so-called “marriage penalty” occurs when a married couple ends up paying more income taxes than they would have had they remained single. This becomes more likely when both of you have high earnings and close to the same income. On the other hand, if you and your spouse are at different income levels, odds are that there will actually be a marriage bonus, that is, the tax on your joint income will be less than it would be had you filed separately.[5] Standard deduction. Nowadays, only about 10 percent of taxpayers itemize their deductions.[6] The rest use the standard deduction. For 2026, the standard deduction is $32,200 for married couples filing jointly, and $16,100 for single taxpayers. These figures were adjusted as part of the One Big Beautiful Bill passed in July of 2025. On some occasions, getting married can have an impact on whether you itemize or not. Previous debts. If your new spouse owes money for previous taxes or child support, any future joint tax refund could be reduced as a result.[7] Separate homes. If you own two separate houses, it's likely that you'll be selling one of them when you get married. And if you're selling at a gain, you may get extra benefits from being married. Once you're married, you get an addition to the amount of tax-free gain you can take. The amount is $250,000 for single taxpayers, but $500,000 for married taxpayers. The rules are a bit tricky, though, and you need to make sure you meet all the qualifications.[8] Beneficiary and Will Review. This one may or may not result in tax consequences, but it is important to note. When getting married, it's critical for each spouse to review any existing wills, plans or benefits (such as life insurance) that assigned a beneficiary or beneficiaries. Unless restricted by a court order, it's usually preferable for the new spouse to be assigned as beneficiary in each of those examples. So be sure not to overlook this step in the process and make any required changes when getting married. Getting married represents a big change for just about anybody, and not just in your personal life. Your financial life is also likely to be affected in a number of different ways. But as long as you know what to expect, the additional stress involved should be manageable. Let the fun begin! [1] Internal Revenue Service. “Newlyweds tax checklist.” IRS.gov. https://www.irs.gov/newsroom/newlyweds-tax-checklist (accessed December 4, 2025). [2] TurboTax Expert. “Getting Married: What Newlyweds Need to Know.” Intuit.com. https://turbotax.intuit.com/tax-tips/marriage/getting-married/L0DvEUlEC (accessed December 4, 2025). [3] Internal Revenue Service. “Essential tax tips for marriage status changes.” IRS.gov. https://www.irs.gov/newsroom/essential-tax-tips-for-marriage-status-changes#:~:text (accessed December 22, 2025) [4] Willetts, Jo. “Tax tips for newly married couples.” Jacksonhewitt.com. https://www.jacksonhewitt.com/tax-help/tax-tips-topics/family/tax-tips-for-newly-married-couples/ (accessed December 5, 2025). [5] Id. [6] Tax Policy Center. “What are itemized deductions and who claims them?” Taxpolicycenter.org.https://taxpolicycenter.org/briefing-book/what-are-itemized-deductions-and-who-claims-them (accessed December 4, 2025). [7] Manganaro, John. “9 Key Tax Considerations for Newlyweds.” ThinkAdvisor.com. https://www.thinkadvisor.com/2025/06/27/9-key-tax-considerations-for-newlyweds/ (accessed December 4, 2025). [8] TurboTax Expert. “Getting Married: What Newlyweds Need to Know.” Intuit.com. https://turbotax.intuit.com/tax-tips/marriage/getting-married/L0DvEUlEC (accessed December 4, 2025). More SML Planning Minute Podcast Episodes This podcast is brought to you by Security Mutual Life Insurance Company of New York, The Company That Cares®. The content provided is intended for educational and informational purposes only. Information is provided in good faith. However, the Company makes no representation or warranty of any kind regarding the accuracy, reliability, or completeness of the information. The information presented is designed to provide general information regarding the subject matter covered. It is not to serve as legal, tax or other financial advice related to individual situations, because each individual's legal, tax and financial situation is different. Specific advice needs to be tailored to your situation. Therefore, please consult with your own attorney, tax professional and/or other advisors regarding your specific situation. To help reach your goals, you need a skilled professional by your side. Contact your local Security Mutual life insurance advisor today. As part of the planning process, he or she will coordinate with your other advisors as needed to help you achieve your financial goals and objectives. For more information, visit us at SMLNY.com/SMLPodcast. If you've enjoyed this podcast, tell your friends about it. And be sure to give us a five-star review. And check us out on LinkedIn, YouTube and Twitter. Thanks for listening, and we'll talk to you next time. Tax laws are complex and subject to change. The information presented is based on current interpretation of the laws. Neither Security Mutual nor its agents are permitted to provide tax or legal advice. The applicability of any strategy discussed is dependent upon the particular facts and circumstances. Results may vary, and products and services discussed may not be appropriate for all situations. Each person's needs, objectives and financial circumstances are different, and must be reviewed and analyzed independently. We encourage individuals to seek personalized advice from a qualified Security Mutual life insurance advisor regarding their personal needs, objectives, and financial circumstances. Insurance products are issued by Security Mutual Life Insurance Company of New York, Binghamton, New York. Product availability and features may vary by state.​ SubscribeApple PodcastsSpotifyAndroidPandoraBlubrryby EmailTuneInDeezerRSSMore Subscribe Options

Send us a textRachel Ware is one of the funniest comedians in the Omaha, Neb., scene. She started doing improv and then picked up stand-up in 2012. She spent three years in Los Angeles before moving back home in 2020. She's married to another comedian, Tyrel Frazer, so the competition is right inside the house. She was also the voice of Angel Cake in the Strawberry Shortcake remakes. She's planning to open the Ware House Comedy Theatre in April of 2026, something everybody in Omaha can enjoy.Follow Rachel Ware:Instagram: https://www.instagram.com/rachelwarecomedy/TikTok: https://www.tiktok.com/@rachelwarecomedySupport the show

Six Ideas on How to Manage Debt Revisited Episode 364 – According to an estimate by Experian, the average American adult holds $6,501 in credit card debt. Is there a way out? Here are six things that you might want to try. More SML Planning Minute Podcast Episodes Transcript of Podcast Episode 364 Hello this is Bill Rainaldi, with another edition of Security Mutual's SML Planning Minute. In today's episode, we take a look back at one of our favorite previous episodes, six ideas on how to manage debt. In today's economy, you don't have to be a big spender to feel overwhelmed by how much you owe. You're certainly not alone. As of late last year, the average American adult held $6,501 in credit card debt, according to an estimate by Experian.[1] This is up 10 percent from the previous year. And credit card interest rates can be as much as 20 percent, or even higher. Once you're saddled with a significant amount of debt, there is rarely an easy way out. But if you're in that situation, here are six things that you might want to try. The idea is to get your debt under control before it has more serious consequences for your financial health. Audit your spending. Have you looked carefully at your car insurance or homeowners insurance? Are you taking advantage of all the available discounts? Would a higher deductible or a different insurer suit your needs? What about your discretionary spending on things like online subscriptions? If you look closely enough, you may find “holes” that you can fill, leaving you more money to pay down your debt. Pay off the high interest debts first. This is sometimes referred to as the “avalanche method,” although it could also be described as simple common sense.[2] The higher the interest rate, the more it will cost you in the long run. And with credit cards, if you pay less than you spend from one month to the next, the amount you owe can accumulate quickly and take a long time to pay off. So, it makes sense to pay off the higher interest debts as soon as you can. Consolidate your debts. Speaking of credit cards, there's something you can do even if you can't afford to pay them off right away. A debt consolidation loan could help ease some of that burden. There are two common ways to consolidate your debt: Personal loans and transferring your existing credit card balance to a new card with a lower—or zero—interest rate.[3] But remember that zero interest rate offers are for a limited time only, often 12 to 21 months.[4] Either a personal loan or a zero interest offer can save a lot of money, but you do have to qualify. The “snowball” technique. Another popular idea is to pay off the card with the smallest balance first. Once you've repaid the balance in full, you take the money you were paying on that debt and use it to help pay down the next smallest balance. Then just keep repeating the process. The idea is that when that first debt is wiped out, you have more resources available to address the next one. Thus, the rate at which you're paying down your debts keeps growing, like a snowball getting larger as it rolls down a hill. Pay more than the minimum. This one should be obvious, but you might not realize how powerful it truly is. Let's say you owe $5,000 on a credit card with a 20 percent interest rate. If you just pay $100 per month on that balance, it will take more than nine years to pay it off. But if you increase the payment to $200 per month, you'll reduce the payback time to less than three years.[5] But that's only half the battle, of course. You'll also need to avoid accumulating more debt in the process. Sell things you no longer need. Baby boomers may remember what life was like before eBay. It's a whole lot easier to get rid of stuff you don't need—and bring in extra cash—than it was back in the 80s. Besides eBay, there are lots of other sites that can help you raise money by getting rid of items you no longer have any use for. One final note. Owing money to someone else is not always such a bad thing, and living debt-free is not always the best choice. You need to look at the details of the debt itself. For example, if you bought a house a few years ago with a 3 percent mortgage and tax-deductible interest, why would you hurry to pay it back? You may be able to get a better rate of return simply by keeping the extra money and investing it. [1] Horymski, Chris. “Average Credit Card Debt Increases 10% to $6,501 in 2023.” Experian.com.https://www.experian.com/blogs/ask-experian/state-of-credit-cards/ (accessed October 21, 2024) [2] Sherman, Emily. “6 Easy Ways to Pay Off Debt.” usnews.com.https://money.usnews.com/money/personal-finance/debt/articles/easy-ways-to-pay-off-debt (accessed October 21, 2024) [3] Frankel, Robin Saks. “5 Steps To Take Now To Save More And Reduce Debt.” Forbes.com.https://www.forbes.com/advisor/personal-finance/steps-to-take-to-save-more-and-reduce-debt/ (accessed October 18, 2024) [4] Coleman, Sara. “The pros and cons of 0% APR credit cards.” Bankrate.com.https://www.bankrate.com/credit-cards/zero-interest/pros-cons-of-zero-percent-apr-cards/?tpt=b (accessed October 21, 2024) [5] Sorter, Amy. “7 tips to help dig your way out of debt.” Bankrate.com.https://www.bankrate.com/personal-finance/debt/ways-to-get-out-of-debt/?tpt=b (accessed October 18, 2024) More SML Planning Minute Podcast Episodes This podcast is brought to you by Security Mutual Life Insurance Company of New York, The Company That Cares®. The content provided is intended for educational and informational purposes only. Information is provided in good faith. However, the Company makes no representation or warranty of any kind regarding the accuracy, reliability, or completeness of the information. The information presented is designed to provide general information regarding the subject matter covered. It is not to serve as legal, tax or other financial advice related to individual situations, because each individual's legal, tax and financial situation is different. Specific advice needs to be tailored to your situation. Therefore, please consult with your own attorney, tax professional and/or other advisors regarding your specific situation. To help reach your goals, you need a skilled professional by your side. Contact your local Security Mutual life insurance advisor today. As part of the planning process, he or she will coordinate with your other advisors as needed to help you achieve your financial goals and objectives. For more information, visit us at SMLNY.com/SMLPodcast. If you've enjoyed this podcast, tell your friends about it. And be sure to give us a five-star review. And check us out on LinkedIn, YouTube and Twitter. Thanks for listening, and we'll talk to you next time. Tax laws are complex and subject to change. The information presented is based on current interpretation of the laws. Neither Security Mutual nor its agents are permitted to provide tax or legal advice. The applicability of any strategy discussed is dependent upon the particular facts and circumstances. Results may vary, and products and services discussed may not be appropriate for all situations. Each person's needs, objectives and financial circumstances are different, and must be reviewed and analyzed independently. We encourage individuals to seek personalized advice from a qualified Security Mutual life insurance advisor regarding their personal needs, objectives, and financial circumstances. Insurance products are issued by Security Mutual Life Insurance Company of New York, Binghamton, New York. Product availability and features may vary by state.​ SubscribeApple PodcastsSpotifyAndroidPandoraBlubrryby EmailTuneInDeezerRSSMore Subscribe Options

Send us a textJosh Prygon started doing stand-up in Buffalo about three years ago. The first two tries didn't stick, but this one has. He's part of the newer class of comedians in a very experienced scene. He's got the confidence now to tackle new topics and is working enough to keep developing at a strong pace. Plus he has his driver's license and a car, which comes in handy in Buffalo.Follow Josh Prygon: Instagram: https://www.instagram.com/josh_prygon/Support the show

Pitt basketball is about to enter ACC play next week on a two-game winning streak after blowing out Binghamton and Penn State. What can the Panthers build on from those two games? And what is truly sustainable as they head into the meat of the schedule? All that and more on the Tuesday edition of the Morning Pitt.

Howdy & aloha! We are HERE, you are THERE, and you're now rockin' with the best!This episode goes belly to belly

Be Skeptical of Financial Advice on Social Media Episode 363 – It is perhaps not surprising that a lot of the financial advice you get on social media is misleading. A recent study shows us just how bad the situation is. More SML Planning Minute Podcast Episodes Transcript of Podcast Episode 363 Hello, this is Bill Rainaldi, with another edition of Security Mutual's SML Planning Minute. In today's episode, be skeptical of financial advice on social media. Here's a shocker: much of the financial advice you get on social media like TikTok or Facebook is bad. Overly simplified advice without proper disclosure can be misleading and is often inaccurate. One of the great things about the internet is that, unlike previous generations, we now have almost unlimited accessibility to information about anything we're interested in, anytime or anywhere. We can get our hands on a vast amount of information with just a few clicks. But it comes with some serious danger. TikTok has become a leading social media platform for younger people, with over 150 million active users in the United States.[1] It is full of advice on all kinds of different subjects, and personal finance is no exception. It's become so popular that it now has its own term for their form of financial advice: “FinTok videos.”[2] And there are lots of them out there, which often get shared to other social media platforms. But in some of the least surprising news of the past few years, an analysis done by DayTrader.com looked at ten viral videos on TikTok and concluded that, when it comes to financial content on TikTok, 7 of the 10 videos were “misleading” or worse.[3]  The reviewers evaluated the TikTok videos based on four criteria: accuracy, risk disclosure, oversimplification and educational value. They concluded, based on the standards they set, that a substantial portion of the content “failed to meet basic standards of financial advice.”[4] Let's not forget that FinTok videos, like many social media postings, are generally designed to create revenue. Much of the material is, perhaps not surprisingly, focused on crypto and other digital assets, often presented without context or any risk disclosure.[5] You don't need to be any sort of expert to post something on TikTok or any other social media platform. Any TikTok user can create a video on virtually any topic at their own whim. The TikTok user merely needs access to the platform. The democratic nature of social media may be good in some ways, but it can create real issues when it comes to FinTok videos. Does the speaker have any background or expertise in what they are talking about? Or are they trying to be provocative for the sake of clicks? There's a noticeable generational gap when it comes to online financial advice. Younger people are significantly more likely to rely on social media for financial information.[6] According to a recent research report sponsored by the CFP Board, 61 percent of younger Americans (under age 45) make use of online financial resources at least once per week, while 48 percent of Americans age 46 and older do so.[7] These are significant percentages for both groups but greater for younger people. Regardless of where it comes from, misleading financial advice can cause serious harm. According to the CFP Board, some of the most common effects of relying on misleading financial advice include: Delaying major financial decisions Acting without professional input Incurring unnecessary fees, and Sharing inaccurate information with others[8] When someone acts on inaccurate, outdated or misleading information, it can have an enormous impact on their financial future, especially for younger people. The effects and aftershocks might still be felt decades later. So, younger people are the ones with the most at stake, but they also may be the most vulnerable. What's the best way to deal with all this? Be skeptical. Before taking action, it might be a good idea to get your information from trained professionals who at least have some background in the financial areas where you need help. Your Security Mutual Life insurance agent can help. Your Security Mutual Life insurance agent will assemble your team and coordinate with your attorney and tax professional to review your situation and to determine the insurance plan that will best suit your needs and objectives. [1] Statista. “TikTok in the United States – statistics & facts.” Statista.com. https://www.statista.com/topics/13330/Tik Tok-in-the-united-states/#topicOverview (accessed November 10, 2025). [2] O'Brient, Samuel. “There’s a ton of investing advice on TikTok. Most of it is bad, a new study says.” msn.com. https://www.msn.com/en-us/money/savingandinvesting/there-s-a-ton-of-investing-advice-on-Tik Tok-most-of-it-is-bad-a-new-study-says/ar-AA1NshcU (accessed November 7, 2025). [3] Holmes, Samuel. “Finance TikTok Report Card: 70% of Viral Investing Videos Misleading.” Daytrader.com. https://www.daytrading.com/tiktok/report-card (accessed December 15, 2025). [4] Id. [5] O'Brient, Samuel. “There’s a ton of investing advice on TikTok. Most of it is bad, a new study says.” msn.com. https://www.msn.com/en-us/money/savingandinvesting/there-s-a-ton-of-investing-advice-on-Tik Tok-most-of-it-is-bad-a-new-study-says/ar-AA1NshcU (accessed November 7, 2025). [6] CFP Board of Standards. “Steering Clear of Financial Misinformation: A Survey of Americans.” CFP Board Center for Financial Planning. https://www.cfp.net/-/media/files/cfp-board/knowledge/reports-and-research/consumer-surveys/cfp-board-financial-misinformation-report-2025.pdf (accessed November 10, 2025). [7] Id. at 7. [8] Id. at 14. More SML Planning Minute Podcast Episodes This podcast is brought to you by Security Mutual Life Insurance Company of New York, The Company That Cares®. The content provided is intended for educational and informational purposes only. Information is provided in good faith. However, the Company makes no representation or warranty of any kind regarding the accuracy, reliability, or completeness of the information. The information presented is designed to provide general information regarding the subject matter covered. It is not to serve as legal, tax or other financial advice related to individual situations, because each individual's legal, tax and financial situation is different. Specific advice needs to be tailored to your situation. Therefore, please consult with your own attorney, tax professional and/or other advisors regarding your specific situation. To help reach your goals, you need a skilled professional by your side. Contact your local Security Mutual life insurance advisor today. As part of the planning process, he or she will coordinate with your other advisors as needed to help you achieve your financial goals and objectives. For more information, visit us at SMLNY.com/SMLPodcast. If you've enjoyed this podcast, tell your friends about it. And be sure to give us a five-star review. And check us out on LinkedIn, YouTube and Twitter. Thanks for listening, and we'll talk to you next time. Tax laws are complex and subject to change. The information presented is based on current interpretation of the laws. Neither Security Mutual nor its agents are permitted to provide tax or legal advice. The applicability of any strategy discussed is dependent upon the particular facts and circumstances. Results may vary, and products and services discussed may not be appropriate for all situations. Each person's needs, objectives and financial circumstances are different, and must be reviewed and analyzed independently. We encourage individuals to seek personalized advice from a qualified Security Mutual life insurance advisor regarding their personal needs, objectives, and financial circumstances. Insurance products are issued by Security Mutual Life Insurance Company of New York, Binghamton, New York. Product availability and features may vary by state.​ SubscribeApple PodcastsSpotifyAndroidPandoraBlubrryby EmailTuneInDeezerRSSMore Subscribe Options

Today on Coast To Coast Hoops Greg recaps Monday's results, talks to Blake Lovell of Southeastern 16 about the overall balance but no true Final Four contender of the SEC, surprise teams worth watching, & Kentucky's improvement & Greg picks & analyzes EVERY Tuesday college basketball game!Link To Greg's Spreadsheet of handicapped lines: https://vsin.com/college-basketball/greg-petersons-daily-college-basketball-lines/Greg's TikTok With Pickmas Pick Videos: https://www.tiktok.com/@gregpetersonsports?is_from_webapp=1&sender_device=pcPodcast Highlights 2:57-Recap of Monday's results17:39-Interview With Blake Lovell34:10-Start of picks UW Green Bay vs Campbell36:33-Picks & analysis for Florida Atlantic vs Central Florida39:30-Picks & analysis for Lindenwood vs Missouri St41:53-Picks & analysis for UC Riverside vs UCLA44:43-Picks & analysis for Idaho vs CS Bakersfield47:54-Picks & analysis for Harvard vs St. John's50:22-Picks & analysis for VIllanova vs Seton Hall52:56-Start of extra games Binghamton vs Army55:11-Picks & analysis for Belleramine vs Kentucky57:33-Picks & analysis for Grambling vs Ohio St59:54-Picks & analysis for Morgan St vs Loyola Marymount Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Today on Coast To Coast Hoops Greg recaps Saturday's results & picks & analyzes EVERY Saturday college basketball game!Link To Greg's Spreadsheet of handicapped lines: https://vsin.com/college-basketball/greg-petersons-daily-college-basketball-lines/Greg's TikTok With Pickmas Pick Videos: https://www.tiktok.com/@gregpetersonsports?is_from_webapp=1&sender_device=pcPodcast Highlights 3:22-Recap of Friday's results15:48-Start of picks Oakland vs Michigan St17:44-Picks & analysis for Montana vs Louisville20:03-Picks & analysis for South Dakota vs Kansas St22:25-Picks & analysis for St. John's vs Kentucky24:51-Picks & analysis for Liberty vs Dayton27:11-Picks & analysis for Buffalo vs Western Michigan29:11-Picks & analysis for Georgia St vs Appalachian St32:13-Picks & analysis for Miami OH vs Ball St35:04-Picks & analysis for Kent St vs Massachusetts 37:34-Picks & analysis for Coastal Carolina vs Old Dominion40:06-Picks & analysis for Colorado St vs Utah St42:56-Picks & analysis for Marshall vs Troy45:40-Picks & analysis for Elon vs Virginia Tech47:45-Picks & analysis for North Carolina vs Ohio St50:03-Picks & analysis for Central Michigan vs Northern Illinois52:35-Picks & analysis for Denver vs Northern Colorado54:57-Picks & analysis for Louisiana vs UL Monroe57:20-Picks & analysis for South Alabama vs Texas St59:34-Picks & analysis for Bowling Green vs Ohio1:01:46-Picks & analysis for Grand Canyon vs Wyoming1:04:14-Picks & analysis for Jacksonville St vs East Tennessee1:06:32-Picks & analysis for UT Martin vs Tennessee Tech1:08:54-Picks & analysis for Memphis vs Mississippi St1:11:16-Picks & analysis for Northeastern vs Syracuse1:13:48-Picks & analysis for Northwestern vs Butler1:16:13-Picks & analysis for Arkansas St vs Southern Miss1:18:39-Picks & analysis for Morehead St vs Southern Indiana1:21:26-Picks & analysis for SE Missouri St vs Tennessee St1:23:54-Picks & analysis for Mercer vs Washington St1:26:24-Picks & analysis for James Madison vs Georgia Southern1:28:57-Picks & analysis for Arkansas vs Houston1:31:07-Picks & analysis for The Citadel vs Richmond1:33:45-Picks & analysis for Maryland vs Virginia1:36:13-Picks & analysis for Auburn vs Purdue1:38:38-Picks & analysis for Fresno St vs UNLV1:41:29-Picks & analysis for Eastern Washington vs Utah1:43:48-Picks & analysis for Loyola Chicago vs Santa Clara1:46:30-Picks & analysis for Portland St vs Tulane1:48:59-Picks & analysis for UC Riverside vs St. Thomas1:51:19-Picks & analysis for Pennsylvania vs Rutgers1:53:55-Picks & analysis for Sacramento St vs Cal Baptist1:56:41-Picks & analysis for Stanford vs Colorado1:59:37-Picks & analysis for Texas Tech vs Duke2:01:52-Picks & analysis for Marquette vs Creighton2:04:18-Picks & analysis for Xavier vs Georgetown2:06:39-Picks & analysis for Utah Tech vs Weber St2:09:22-Picks & analysis for Rice vs Pepperdine2:11:54-Picks & analysis for San Jose St vs New Mexico2:15:05-Picks & analysis for Boise St vs Nevada2:17:07-Picks & analysis for San Diego St vs Arizona2:21:01-Start of extra games Robert Morris vs St. Francis PA2:23:39-Picks & analysis for USC Upstate vs Youngstown St2:25:47-Picks & analysis for Le Moyne vs St. Bonaventure2:27:44-Picks & analysis for Chicago St vs Indiana2:30:19-Picks & analysis for Iona vs Vermont2:32:32-Picks & analysis for Longwood vs NC Central2:35:19-Picks & analysis for Lafayette vs Georgia Tech2:37:23-Picks & analysis for Binghamton vs Mercyhurst2:39:20-Picks & analysis for Holy Cross vs Harvard2:41:49-Picks & analysis for Howard vs NC Wilmington2:44:09-Picks & analysis for FL Gulf Coast vs Central Florida2:47:04-Picks & analysis for Long Island vs FL International2:49:34-Picks & analysis for Bucknell vs Iowa2:51:59-Picks & analysis for Omaha vs Lamar Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Send us a textChris Scopo grew up in Queens as the son of a Mets fan. He really had no choice. He started rooting for the Mets a couple years after they won the World Series in 1986 and is still waiting to celebrate. They are ruining his life. But he's making the most of it. He's been doing stand-up in New York City since 2010 and works with Robert Kelly and Andrew Shultz, among others. He just started a new show, Working Out with Comics, where he invites comedians to work out in the gym in the basement of his building in Queens. It's not glamorous, but it is funny.Follow Chris Scopo: Instagram: https://www.instagram.com/chrisscopo/Twitter: https://x.com/ChrisScopoYouTube: https://www.youtube.com/@chrisscopo2155Support the show

Today on Coast To Coast Hoops Greg recaps Tuesday's results, talks to Ben Wilson of VSIN about the top teams in the sport separating themselves, the Big Ten landscape, & the struggles of Marquette, & Greg picks & analyzes EVERY Monday game!Link To Greg's Spreadsheet of handicapped lines: https://vsin.com/college-basketball/greg-petersons-daily-college-basketball-lines/Greg's TikTok With Pickmas Pick Videos: https://www.tiktok.com/@gregpetersonsports?is_from_webapp=1&sender_device=pcPodcast Highlights 2:49-Recap of Tuesday's results17:06-Interview with Ben Wilson35:57-Start of picks Northern Iowa vs Illinois Chicago38:22-Picks & analysis for Creighton vs Xavier40:44-Picks & analysis for Youngstown St vs Robert Morris42:57-Picks & analysis for James Madison s Old Dominion45:06-Picks & analysis for UC Santa Barbara vs UW Green Bay47:46-Picks & analysis for Richmond vs Elon50:16-Picks & analysis for Mercer vs Central Florida52:58-Picks & analysis for The Citadel vs Charleston55:54-Picks & analysis for Oakland vs Northern Kentucky58:20-Picks & analysis for Quinnipiac vs Monmouth1:00:58-Picks & analysis for Vanderbilt vs Memphis1:03:59-Picks & analysis for Kennesaw St vs Middle Tennessee1:07:02-Picks & analysis for South Alabama vs UL Monroe1:09:44-Picks & analysis for Wofford vs Wichita St1:12:14-Picks & analysis for Louisiana Tech vs Tulane1:14:58-Picks & analysis for Cleveland St vs UAB1:17:23-Picks & analysis for South Florida vs Alabama1:19:45-Picks & analysis for Weber St vs Utah Valley1:21:52-Picks & analysis for Arkansas St vs Texas St1:24:19-Picks & analysis for Georgetown vs Marquette1:26:54-Picks & analysis for Portland St vs Colorado1:29:41-Picks & analysis for Seattle vs UC Davis1:31:51-Picks & analysis for North Texas vs Santa Clara1:34:11-Picks & analysis for UT San Antonio vs USC1:36:24-Picks & analysis for Campbell vs Gonzaga1:38:47-Picks & analysis for Sam Houston vs Oregon St1:40:54-Picks & analysis for Eastern Washington vs Washington St1:43:11-Picks & analysis for Air Force vs San Diego St1:45:59-Picks & analysis for Loyola Chicago vs San Francisco1:47:35-Picks & analysis for UT Arlington vs Stanford1:49:57-Picks & analysis for Arizona St vs UCLA1:52:26-Picks & analysis for Portland vs Oregon1:54:52-Start of Extra Games Stonehill vs New Hampshire1:57:00-Picks & analysis for St. Francis PA vs Floria1:59:22-Picks & analysis for Chattanooga vs Bellarmine2:01:44-Picks & analysis for Eastern Kentucky vs Jacksonville St2:04:06-Picks & analysis for Presbyterian vs East Carolina2:06:33-Picks & analysis for Jacksonville vs Floria A&M2:08:55-Picks & analysis for Maryland Eastern Shore vs Wagner2:11:11-Picks & analysis for Albany vs Stony Brook2:13:44-Picks & analysis for Alabama St vs Cincinnati2:16:08-Picks & analysis for Longwood vs Wake Forest2:18:33-Picks & analysis for Texas Southern vs NC State2:19:10-Picks & analysis for Mercyhurst vs Syracuse2:21:08-Picks & analysis for Binghamton vs Pittsburgh2:23:17-Picks & analysis for Siena vs Vermont2:25:19-Picks & analysis for Houston Christian vs Nicholls2:28:13-Picks & analysis for Alabama A&M vs Ole Miss2:30:29-Picks & analysis for Bethune Cookman vs St. Louis2:32:31-Picks & analysis for Texas A&M CC vs Stepehn F Austin Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Do You Really Want to Disinherit a Family Member? Episode 362 – So, you've been estranged from one of your children for years now. Your feelings are hurt, and the relationship seemingly has no chance of recovery. Now what? You can certainly disinherit your child if you wish. But beware: it's more complicated than you may realize. More SML Planning Minute Podcast Episodes Transcript of Podcast Episode 362 Hello, this is Bill Rainaldi, with another edition of Security Mutual's SML Planning Minute. In today's episode: do you really want to disinherit a family member? It's not easy. So, you've been estranged from one of your children for years now. Your feelings are hurt, and the relationship seemingly has no chance for recovery. Now what? You're feeling a strong urge to disinherit your child. It's your money, and you're certainly entitled to do that if you want. But beware: it's more complicated than you may realize. There are many potential reasons that a parent might consider disinheriting a child. Disinheritance sometimes comes into play with large estates, family business interests and blended families.[1] But there are other potential issues. You may have an heir who can't control their spending, has other disabilities or doesn't share your philanthropic ideas. But there's a significant downside. As author Susan Lipp pointed out in an article for Wealth Management, the emotional effects of disinheriting a child could destroy their physical and mental well-being. And it might not even have its intended effect. Eliminating a family member as an estate beneficiary isn't likely to change anybody's mind, and perhaps even worse, it may result in expensive litigation.[2] Ok so, in spite of all the potential headaches, you've decided that there's no going back. You're going to take the plunge and formally disinherit someone. Now what? Of course, you're going to need the help of an experienced estate attorney. He or she can help you avoid some potential traps you might not be aware of. The attorney would likely want to carefully explain one of those traps: you ‘re going to need to be specific when you disinherit someone. In other words, it's usually not enough to just leave your child's name out of your will. You'll need to explicitly state that you're excluding this person. Otherwise, a court might conclude that you accidentally omitted this individual rather than doing so deliberately.[3] Remember, you won't be there to argue otherwise. Also, disinheriting one child while favoring another child may foster ill-will or even animosity between them after your death and disrupt family harmony. You may want to avoid that if you can. And your attorney is also likely to remind you of how important it is to keep your will up-to-date. No matter how awful things are right now, reconciliation might still be possible someday. Also, there may be children born after the will is executed. They will need to be accounted for, one way or another. If your disagreement is with your children, one relatively simple idea might be to skip a generation and give the money to your grandkids. But beware. For a wealthy family, these types of gifts can be made impractical by the Generation Skipping Transfer Tax, or GST. If applicable, the GST Tax rate is a flat 40 percent. Thankfully, under current tax law, the GST tax will only affect wealthy individuals representing less than 1% of the population.[4] But there's more. Direct gifts to grandchildren can make the already frayed emotional situation even worse. Some experts feel that such a maneuver would be seen as an even bigger insult and would cause more damage than simply disinheriting everyone.[5] And, as we've discussed many times on this program, don't forget to look at beneficiary designations. If you've made the difficult decision to disinherit someone, the last thing you want is for that person to get an accidental inheritance simply because you forgot to take their name off your insurance policy, retirement account or bank accounts. It can also get tricky if you're dealing with a potential surviving spouse. You may not be able to disinherit your estranged spouse even if you say so in your will. It varies by state, but most states simply do not allow you to disinherit your surviving spouse.[6] Note that the same does not apply for a divorced ex-spouse, although things are a bit more complicated if you live in a Community Property state such as California or Texas.[7] Furthermore, it can be very difficult to completely disinherit minor children while they remain of minor age. Again, the law varies by state, but state law generally mandates that the assets from your estate be available to pay for the care of your minor children.[8] Rather than a complete disinheritance, families may have another option. One idea is that parents can place their family bequests into a trust with a third-party trustee. They would then appoint trustees who they believe share their philosophy. A properly structured trust can go a long way in resolving these issues in the best way possible, without technically disinheriting anyone. Do you still want to go through with this? You need to also consider the impact of a possible role reversal later in life. As a parent ages, it is common for the elderly to become dependent on their children for support. Disinheriting the child would undoubtedly make the situation much more complicated and could make things much worse for the parent in their later years. As with many things, it pays to think carefully before you act. It's not going to be cheap, and it might not accomplish what you want. How you decide to treat your children in your estate plan says a lot about yourself as well as them. Perhaps, not disinheriting a child who has caused you heartache can send a message of love and forgiveness. [1] Erskine, Matthew “How To Legally Disinherit Family Members.” www.fa-mag.com.. https://www.fa-mag.com/news/prince-andrew-and-king-charles–how-to-legally-disinherit-family-members-84794.html (accessed November 20, 2025). [2] Lipp, Susan. “Disinheriting Family Members With Different Political Beliefs.” Wealthmanagement.com. https://www.wealthmanagement.com/wealth-management-industry-trends/disinheriting-family-members-with-different-political-beliefs (accessed November 17, 2025). [3] Erskine, Matthew. “How To Legally Disinherit Family Members.” www.fa-mag.com.. https://www.fa-mag.com/news/prince-andrew-and-king-charles–how-to-legally-disinherit-family-members-84794.html (accessed November 20, 2025). [4] Gravelle, Jane G. “The Generation-Skipping Transfer Tax (GSTT).” Congressional Research Service. https://www.congress.gov/crs_external_products/IF/PDF/IF13053/IF13053.2.pdf (accessed December 9, 2025). [5]  Lipp, Susan. “Disinheriting Family Members With Different Political Beliefs.” Wealthmanagement.com. https://www.wealthmanagement.com/wealth-management-industry-trends/disinheriting-family-members-with-different-political-beliefs (accessed November 17, 2025). [6] Erskine, Matthew “How To Legally Disinherit Family Members.” www.fa-mag.com. https://www.fa-mag.com/news/prince-andrew-and-king-charles–how-to-legally-disinherit-family-members-84794.html (accessed November 20, 2025). [7] Id. [8] LeValley, Donna. “Six Reasons to Disinherit Someone and How to Do It.” Kiplinger.com. https://www.kiplinger.com/retirement/estate-planning/reasons-and-how-to-disinherit-someone (accessed November 18, 2025). More SML Planning Minute Podcast Episodes This podcast is brought to you by Security Mutual Life Insurance Company of New York, The Company That Cares®. The content provided is intended for educational and informational purposes only. Information is provided in good faith. However, the Company makes no representation or warranty of any kind regarding the accuracy, reliability, or completeness of the information. The information presented is designed to provide general information regarding the subject matter covered. It is not to serve as legal, tax or other financial advice related to individual situations, because each individual's legal, tax and financial situation is different. Specific advice needs to be tailored to your situation. Therefore, please consult with your own attorney, tax professional and/or other advisors regarding your specific situation. To help reach your goals, you need a skilled professional by your side. Contact your local Security Mutual life insurance advisor today. As part of the planning process, he or she will coordinate with your other advisors as needed to help you achieve your financial goals and objectives. For more information, visit us at SMLNY.com/SMLPodcast. If you've enjoyed this podcast, tell your friends about it. And be sure to give us a five-star review. And check us out on LinkedIn, YouTube and Twitter. Thanks for listening, and we'll talk to you next time. Tax laws are complex and subject to change. The information presented is based on current interpretation of the laws. Neither Security Mutual nor its agents are permitted to provide tax or legal advice. The applicability of any strategy discussed is dependent upon the particular facts and circumstances. Results may vary, and products and services discussed may not be appropriate for all situations. Each person's needs, objectives and financial circumstances are different, and must be reviewed and analyzed independently. We encourage individuals to seek personalized advice from a qualified Security Mutual life insurance advisor regarding their personal needs, objectives, and financial circumstances. Insurance products are issued by Security Mutual Life Insurance Company of New York, Binghamton, New York. Product availability and features may vary by state.​ SubscribeApple PodcastsSpotifyAndroidPandoraBlubrryby EmailTuneInDeezerRSSMore Subscribe Options

Send us a textDan Danzy moved started doing stand-up in Dallas when he was in high school. He worked his way all over the state over the next 15 years before deciding to move to Scranton with his wife in 2022. He took a little bit of time off, but decided to join the comedy scene by taking over the Keystone Stage -- right before the roof collapsed. He's loving the move, though, and is part of a young comedy scene that's continuing to grow. Follow Dan Danzy: Instagram: https://www.instagram.com/danzyland/Twitter: https://x.com/DanDanzyYouTube: https://www.youtube.com/@danzylandSupport the show

Are You Ready for the New York LLC Transparency Act Starting January 1, 2026? Episode 361 – The effective date of the New York Limited Liability Company Transparency Act, January 1, 2026, is nearly upon us. If your business was created in, or authorized to do business in, New York, you may be affected. If so, are you prepared to comply with its mandates and regulations? More SML Planning Minute Podcast Episodes Transcript of Podcast Episode 361 On January 1, 2021, the National Defense Authorization Act of 2021 (NDAA) was passed. Included in the NDAA was the Corporate Transparency Act (CTA) designed to develop a more robust regulatory framework to combat money laundering and tax evasion activities using potentially anonymous entities.  The main requirement of the CTA is the full disclosure of the identities of the individual owners of an entity, or those who control the entity as beneficial owners. Reporting occurs when the entity is created or when there is a change of ownership or control. The CTA would also create a national registry of entities and their owners.[i] The effective date was January 1, 2024. Failure to comply with the CTA would result in severe civil and criminal penalties, including fines of $500 per day up to $10,000 and up to two years of imprisonment.[ii] At the time, however, many legal commentators and at least one federal court, believed the CTA overreached and was unconstitutional.[iii]  On March 2, 2025, the U.S. Department of the Treasury (Treasury Department) announced that “not only will it not enforce any penalties or fines associated with the beneficial ownership information reporting rule under the existing regulatory deadlines, but it will further not enforce any penalties or fines against U.S. citizens or domestic reporting companies or their beneficial owners after the forthcoming rule changes take effect either. The Treasury Department will further be issuing a proposed rulemaking that will narrow the scope of the rule to foreign reporting companies only. Treasury takes this step in the interest of supporting hard-working American taxpayers and small businesses and ensuring that the rule is appropriately tailored to advance the public interest.”[iv] On March 21, 2025, the Treasury Department's Financial Crimes Enforcement Network (FinCEN) issued an Interim Final Rule adopting these changes. New York created similar legislation known as the New York Limited Liability Company Transparency Act (NYLTA) on December 23, 2023, modeled after the CTA, and effective specifically against limited liability companies (LLCs) created in, or authorized to do business in, New York. There are some exceptions such as banks or other highly regulated industries and publicly traded companies. On March 1, 2024, in anticipation of changes to the rules, regulations and interpretation of the federal CTA, New York repealed the original NYLTA and replaced it with the current version. The NYLTA created its own framework and definitions to remove any ties with the federal CTA.[v] Accordingly, notwithstanding the changes in the federal CTA, New York has not changed its requirements for the NYLTA. Starting January 1, 2026, LLCs formed in New York or LLCs created in other jurisdictions, whether domestic or foreign, but authorized to do business in New York, must comply with NYLTA.  Existing LLCs formed or registered prior to January 1, 2026, have one year to file an initial beneficial ownership information (BOI) report with the New York Department of State (NYDOS). New LLCs formed or registered on or after January 1, 2026, have 30 days to file their BOI. Penalties for failure to comply can include daily fines of up to $500 and potentially suspension of business authorization or dissolution of the LLC. Unlike the federal CTA, exempt companies must still file an attestation of exemption with the NYDOS within 30 days of the LLCs formation or qualification to do business in New York. As of this podcast, New York has not yet issued final implementation guidance nor has it released its BOI filing portal. The provisions, rules, regulations and requirements of the CTA and the NYLTA are complicated. If you're a business owner, consult with your own tax and legal advisors to determine if, and how, these laws might impact your individual business. [i] H.R. 2513 (116th): Corporate Transparency Act of 2019 [ii] H.R. 2513 (116th): Corporate Transparency Act of 2019 [iii] Erskine, Matthew. “Corporate Transparency Act Ruled Unconstitutional by Federal District Court.” Forbes.com. https://www.forbes.com/sites/matthewerskine/2024/03/04/corporate-transparency-act-ruled-unconstitutional-by-federal-district-court/ (accessed 11/5/2025). [iv] U.S. Department of the Treasury. “Treasury Department Announces Suspension of Enforcement of Corporate Transparency Act Against U.S. Citizens and Domestic Reporting Companies.” Home.treasury.gov. https://home.treasury.gov/news/press-releases/sb0038 (accessed 11/5/2025). [v] New York Limited Liability Company Transparency Act, S.B. 8059 More SML Planning Minute Podcast Episodes This podcast is brought to you by Security Mutual Life Insurance Company of New York, The Company That Cares®. The content provided is intended for educational and informational purposes only. Information is provided in good faith. However, the Company makes no representation or warranty of any kind regarding the accuracy, reliability, or completeness of the information. The information presented is designed to provide general information regarding the subject matter covered. It is not to serve as legal, tax or other financial advice related to individual situations, because each individual's legal, tax and financial situation is different. Specific advice needs to be tailored to your situation. Therefore, please consult with your own attorney, tax professional and/or other advisors regarding your specific situation. To help reach your goals, you need a skilled professional by your side. Contact your local Security Mutual life insurance advisor today. As part of the planning process, he or she will coordinate with your other advisors as needed to help you achieve your financial goals and objectives. For more information, visit us at SMLNY.com/SMLPodcast. If you've enjoyed this podcast, tell your friends about it. And be sure to give us a five-star review. And check us out on LinkedIn, YouTube and Twitter. Thanks for listening, and we'll talk to you next time. Tax laws are complex and subject to change. The information presented is based on current interpretation of the laws. Neither Security Mutual nor its agents are permitted to provide tax or legal advice. The applicability of any strategy discussed is dependent upon the particular facts and circumstances. Results may vary, and products and services discussed may not be appropriate for all situations. Each person's needs, objectives and financial circumstances are different, and must be reviewed and analyzed independently. We encourage individuals to seek personalized advice from a qualified Security Mutual life insurance advisor regarding their personal needs, objectives, and financial circumstances. Insurance products are issued by Security Mutual Life Insurance Company of New York, Binghamton, New York. Product availability and features may vary by state.​ SubscribeApple PodcastsSpotifyAndroidPandoraBlubrryby EmailTuneInDeezerRSSMore Subscribe Options

Send us a textJulia Colasanti grew up playing volleyball in Michigan before going to college at St. Michael's in Vermont. Loud and confident on the court, she made a speech at a banquet that pushed her toward stand-up 10 years ago while she was still in high school. She moved to Chicago after graduating, but came back to Burlington, Vt., where she's made a home for herself. She ran a show at the Lincoln Lodge for a couple years and is performing at the Vermont Comedy Festival from Dec. 4 to Dec. 7. Follow Julia Colasanti:Instagram: https://www.instagram.com/colasanticomedy/TikTok: https://www.tiktok.com/@colasanticomedyWebsite: https://www.juliacolasanti.com/comedianSupport the show

The Latest on the Scamming Front Episode 360 – It seems like online scammers usually have the upper hand. The bad guys come up with a new scheme, and eventually the good guys figure it out and make changes. But then bad guys come up with more new schemes. Here are some of the latest tricks of the scamming trade. More SML Planning Minute Podcast Episodes Transcript of Podcast Episode 360 Hello, this is Bill Rainaldi, with another edition of Security Mutual's SML Planning Minute. In today's episode: the latest on the scamming front.  It seems inevitable that online scammers, like tax cheats, will usually find a way to get the upper hand. They come up with a new scheme, and eventually someone else catches on and makes changes. But then the bad guys come up with more new schemes. Either way, the good guys always seem to be playing defense. The latest trends are a continuation of business as usual: the scammers have once again found a new way to cheat people out of their money. Here, according to a pair of new reports by Bank of America, are some of their new and innovative schemes:[1]  “Juice jacking.” This is one we've never heard of before, though it's been around for a couple of years. What can you do when you're on the road and the batteries are running low on your phone, laptop or tablet? Have you ever tried using the public USB charging stations in a hotel or airport? The problem is that criminals can take advantage of unsecured USB connections by installing malware on your device. An alternative is to bring a TSA-compliant battery with you. Or you might consider investing in a data blocking charge-only power cable. Or, use AC power outlets and avoid the USB charging stations. Tech support scams. Criminals have become proficient at pretending to be tech support employees of big companies that we all know. They call, identify themselves as being with a recognized tech company, and report an urgent risk to your computer or internet service requiring prompt attention. They eventually will ask you to give them remote access to your machine or have you download a malicious app. Here's a tip: if someone else initiates contact with you and asks you to do something like this, it should raise your suspicions. It's best to go independently to the company's verified web page or phone app and confirm it yourself. If it involves one of your credit cards, call the number listed on the back of the card. Imposter scams. We're not talking here about a supposed family member who has allegedly gotten into trouble in a foreign country, although that does still exist. When we say imposter scam, we're referring to scammers who may try to impersonate, for example, someone at your bank. This is one place where the crooks have gotten more sophisticated. Many of these scammers use phone number “spoofing” tools which misleadingly alter the caller ID information. If you're not extra careful, your entire life savings could be drained in a matter of seconds.[2] And scammers use Artificial Intelligence tools to help make these scams more believable.Two-step verification can help. Your bank might ask you to enter a one-time passcode, or to provide some verifying information such as the name of your first pet. But here's a tip: you should be very suspicious if your bank asks you to share this information when they reach out to you unexpectedly. Online investment scams. This one occurs when crooks convince you to buy stocks, bonds, commodities, or cryptocurrencies. They often start by building a relationship with you through social media. The truth is that these operators like to impersonate the people you trust. Then the pitch comes: big returns with little or no downside. As always, if it sounds too good to be true, it probably is. It pays to double check when you get unsolicited communications. And of course, do your due diligence in advance on anything you may invest in.[3] Check fraud. Old fashioned paper checks are still appealing if you're a fraudster. In spite of serious legal consequences, some crooks still use the U.S. mail to steal checks and take your money, or to gather the information they need to steal your identity. They will often alter the check to change the recipient, amount, etc. One of the advantages they have in doing it this way is that it might take weeks before anyone figures it out.[4]  Phantom hacker scam. Crooks are definitely getting more sophisticated. In a “phantom hacker scam,” they combine multiple types of scams to build trust before they go in for the kill. For example, they may reach out to you claiming to be from tech support, then have someone else contact you claiming to be from your bank, followed by someone else claiming to be from the government. The idea is that by hearing from three different sources, you're more likely to believe it's legit. Seems like a lot of work, but apparently it's worth it—for them. Wire scams. Making a wire transfer is easier than it used to be. Of course, you need to be very careful when sending money to someone you don't know.[5] But there's more. It pays to look at your bank statements! Once a crook is able to get a hold of your bank routing and account numbers, they may try to debit your account directly. Sometimes a crook will make an odd, but very small withdrawal, say $1.53, just to see if you're paying attention. If you're not, more serious trouble is likely on its way. There are a number of other ways you can protect yourself. For one thing, it's generally a bad idea to click on an unsolicited pop-up or any links or attachments sent by email or text message. It's even a bad idea to call a phone number that may have been given to you by an imposter. Also, you need to be very careful if someone you don't know asks you to download software, especially when they are the ones who initiated the contact. And never give remote access to your machine to someone you don't know.[6] In other words, to restate an old axiom, verify before you trust. [1] Bank of America. “Tips to help spot and avoid a scam: what business owners should know.” bankofamerica.com https://business.bankofamerica.com/en/resources/red-flags-that-signal-a-scam? (accessed October 27, 2025). [2] Grace, Asia. “Terrifying high-tech bank scam drains your life savings in seconds — and ‘devastated' victims are sounding the alarm.” nypost.com. https://nypost.com/2025/10/27/lifestyle/terrifying-high-tech-bank-scam-drains-your-life-savings-in-seconds-and-devastated-victims-are-sounding-the-alarm/ (accessed October 28, 2025). [3] Merrill, a Bank of America Company. “What's trending: Cyber Security Awareness Month.” ml.com. https://www.ml.com/articles/whats-trending.html? (accessed October 27, 2025). [4] Id. [5] Id. [6] Id. More SML Planning Minute Podcast Episodes This podcast is brought to you by Security Mutual Life Insurance Company of New York, The Company That Cares®. The content provided is intended for educational and informational purposes only. Information is provided in good faith. However, the Company makes no representation or warranty of any kind regarding the accuracy, reliability, or completeness of the information. The information presented is designed to provide general information regarding the subject matter covered. It is not to serve as legal, tax or other financial advice related to individual situations, because each individual's legal, tax and financial situation is different. Specific advice needs to be tailored to your situation. Therefore, please consult with your own attorney, tax professional and/or other advisors regarding your specific situation. To help reach your goals, you need a skilled professional by your side. Contact your local Security Mutual life insurance advisor today. As part of the planning process, he or she will coordinate with your other advisors as needed to help you achieve your financial goals and objectives. For more information, visit us at SMLNY.com/SMLPodcast. If you've enjoyed this podcast, tell your friends about it. And be sure to give us a five-star review. And check us out on LinkedIn, YouTube and Twitter. Thanks for listening, and we'll talk to you next time. Tax laws are complex and subject to change. The information presented is based on current interpretation of the laws. Neither Security Mutual nor its agents are permitted to provide tax or legal advice. The applicability of any strategy discussed is dependent upon the particular facts and circumstances. Results may vary, and products and services discussed may not be appropriate for all situations. Each person's needs, objectives and financial circumstances are different, and must be reviewed and analyzed independently. We encourage individuals to seek personalized advice from a qualified Security Mutual life insurance advisor regarding their personal needs, objectives, and financial circumstances. Insurance products are issued by Security Mutual Life Insurance Company of New York, Binghamton, New York. Product availability and features may vary by state.​ SubscribeApple PodcastsSpotifyAndroidPandoraBlubrryby EmailTuneInDeezerRSSMore Subscribe Options

Send us a textLauren Festa is a very funny comedian on Long Island. She's been doing stand-up all over New York City for about 10 years, but has been pushing hard for the last six -- pretty much living out her dad's dream for her. She works in publishing and just wrote her first rom-com novel that she hopes will be out in 2026. She'll be back at the Vermont Comedy Festival from Dec. 4 to 7. Support the show

Nine Mistakes Wealthy People Make Episode 359 – A few weeks ago we took an in-depth look at some of the things wealthy people understand that the rest of us tend to miss. Today, we'll take a look at the opposite: some financial mistakes that even wealthy people tend to make, and how we can help avoid them. More SML Planning Minute Podcast Episodes Transcript of Podcast Episode 359 Hello, this is Bill Rainaldi, with another edition of Security Mutual's SML Planning Minute. In today's episode: nine mistakes wealthy people make. A few weeks ago, we took an in-depth look at some of the things affluent people understand that the rest of us seem to miss. But even successful, well-educated people do some dumb things. Today, we'll cover the exact opposite of what we did before: some financial mistakes that even wealthy people tend to make. Here are nine of them: Putting too much money into a single investment. Diversification is one of the cardinal rules of investing, but many wealthy people tend to break it. And it's understandable why. So many of the ultra-rich became that way by starting, or investing in, just one or a handful of companies. Elon Musk and Jeff Bezos are great examples of this. At some point, putting too much money into a single investment just creates unnecessary risk. Some employees at companies like Enron and Lehman Brothers put all their retirement savings in their company stock. It worked spectacularly—for a while—but it eventually became almost worthless in a very short time. [1] Very few investors enjoy the measure of success that Musk and Bezos experienced. They can be underinsured. It doesn't really matter how wealthy you are, people make mistakes with their insurance across the board. If you don't have enough homeowner's insurance, it could end up costing you millions if you live in a valuable home.[2] And if you're concerned about your children and grandchildren, life insurance can be an important and efficient way to transfer your wealth to future generations. They have too much personal real estate. Some wealthy people tend to have too many expensive homes in remote places that they rarely visit. And they can be a significant cash drain. If you don't use the place frequently, it may not be worth holding onto it. If you want to vacation in some unusual places, sometimes it may be better to rent.[3] Or if you insist on keeping the place, maybe you should consider renting it out when you're not using it. Trying to keep up with their peers. It's human nature, and the wealthy aren't exempt from keeping up with the Joneses. When we see our friends living it up, it tends to make us want to do the same. And if we're not careful, it could mean significantly less savings and too much debt.[4] Lack of liquidity. Private equity is all the rage these days, but there's a downside. Some people tend to be too optimistic when they buy into illiquid assets. The fact is that for a variety of reasons, most of them don't work out, even if it seems like a great idea. And if it doesn't work out, it can be a drag on your finances for years.[5] Fear of missing out, or “FOMO.” It seems that no one is exempt from this. Believe it or not, a recent study suggested that the wealthy are actually among the worst offenders.[6] Rich people may think they know better than the average investor. But they can be just as susceptible to media hype and/or greed. It pays to keep a long-term perspective and remember the fundamentals. Neglecting estate planning. What do Howard Hughes, Prince, Sonny Bono and Pablo Picasso have in common? They all died with a lot of money but without a will.[7] It seems that the wealthy should all have done at least some rudimentary estate planning. But that's not always the case.Whether you have a lot of money or not, you probably want to make sure it goes to the people or charitable organizations you care the most about. But if you don't have an estate plan, you give up your right to decide these things. And it's not just a will. It can be a succession plan for your business or an advance medical directive.[8] Lifestyle creep. There is a tendency among the wealthy: the more you make, the more you end up spending on things like travel, fancy meals and transportation. There are so many examples of people—such as Michael Jackson or Lindsay Lohan—who overdid it and paid the price later on. The truth is that it's easy to increase your lifestyle, but once you're there, it's much harder to bring it back down. If you're not careful, spending habits can become unsustainable for just about anybody.[9] Not understanding that wealth is about more than money. Newsflash: some of the richest people in the world are terribly unhappy. In the words of author Riley Clendenin, “True financial success isn't just about accumulating wealth—it's about using money as a tool to build a meaningful, balanced life. The smartest investors understand that their financial portfolio is only one part of their overall wealth, and they invest just as much in their health, personal growth, and happiness as they do in their bank accounts.”[10] The ultra-wealthy certainly have the benefit of a bigger cushion when they make a financial error. And they all make mistakes, some big, some little. But the rest of us can also learn something from the errors that wealthy people tend to make, and how to avoid them. [1] Clendenin, Riley. “Millionaire Blunders—13 Costly Mistakes Even Wealthy Investors Make.” Msn.com. https://www.msn.com/en-us/money/investment/millionaire-blunders-13-costly-mistakes-even-wealthy-investors-make/ss-AA1BaDTO#image=3 (accessed October 22, 2025). [2] Maranjian, Selena. “7 Financial and Retirement Mistakes Even the Wealthy Make.” fool.com. https://www.fool.com/retirement/2024/04/28/7-financial-mistakes-even-the-wealthy-make/ (accessed October 22, 2025). [3] Sergeant, Jacqueline. “The Mistakes Rich People Make–And How To Avoid Them.” www.fa-mag.com. https://www.fa-mag.com/news/how-to-avoid-these-common-mistakes-of-the-wealthy-83682.html (accessed October 22, 2025). [4] Maranjian, Selena. “7 Financial and Retirement Mistakes Even the Wealthy Make.” fool.com. https://www.fool.com/retirement/2024/04/28/7-financial-mistakes-even-the-wealthy-make/ (accessed October 22, 2025). [5] Sergeant, Jacqueline. “The Mistakes Rich People Make–And How To Avoid Them.” fa-mag.com. https://www.fa-mag.com/news/how-to-avoid-these-common-mistakes-of-the-wealthy-83682.html (accessed October 22, 2025). [6] Clendenin, Riley. “Millionaire Blunders—13 Costly Mistakes Even Wealthy Investors Make.” Msn.com. https://www.msn.com/en-us/money/investment/millionaire-blunders-13-costly-mistakes-even-wealthy-investors-make/ss-AA1BaDTO#image=3 (accessed October 22, 2025). [7] Phillips Erb, Kelly. “17 Famous People Who Died Without A Will.” Forbes.com. https://www.forbes.com/sites/kellyphillipserb/2016/04/27/17-famous-people-who-died-without-a-will/ accessed October 22, 2025). [8] Maranjian, Selena. “7 Financial and Retirement Mistakes Even the Wealthy Make.” fool.com. https://www.fool.com/retirement/2024/04/28/7-financial-mistakes-even-the-wealthy-make/ (accessed October 22, 2025). [9] Sergeant, Jacqueline. “The Mistakes Rich People Make–And How To Avoid Them.” fa-mag.com. https://www.fa-mag.com/news/how-to-avoid-these-common-mistakes-of-the-wealthy-83682.html (accessed October 22, 2025). [10] Clendenin, Riley. “Millionaire Blunders—13 Costly Mistakes Even Wealthy Investors Make.” Msn.com. https://www.msn.com/en-us/money/investment/millionaire-blunders-13-costly-mistakes-even-wealthy-investors-make/ss-AA1BaDTO#image=3 (accessed October 22, 2025). More SML Planning Minute Podcast Episodes This podcast is brought to you by Security Mutual Life Insurance Company of New York, The Company That Cares®. The content provided is intended for educational and informational purposes only. Information is provided in good faith. However, the Company makes no representation or warranty of any kind regarding the accuracy, reliability, or completeness of the information. The information presented is designed to provide general information regarding the subject matter covered. It is not to serve as legal, tax or other financial advice related to individual situations, because each individual's legal, tax and financial situation is different. Specific advice needs to be tailored to your situation. Therefore, please consult with your own attorney, tax professional and/or other advisors regarding your specific situation. To help reach your goals, you need a skilled professional by your side. Contact your local Security Mutual life insurance advisor today. As part of the planning process, he or she will coordinate with your other advisors as needed to help you achieve your financial goals and objectives. For more information, visit us at SMLNY.com/SMLPodcast. If you've enjoyed this podcast, tell your friends about it. And be sure to give us a five-star review. And check us out on LinkedIn, YouTube and Twitter. Thanks for listening, and we'll talk to you next time. Tax laws are complex and subject to change. The information presented is based on current interpretation of the laws. Neither Security Mutual nor its agents are permitted to provide tax or legal advice. The applicability of any strategy discussed is dependent upon the particular facts and circumstances. Results may vary, and products and services discussed may not be appropriate for all situations. Each person's needs, objectives and financial circumstances are different, and must be reviewed and analyzed independently. We encourage individuals to seek personalized advice from a qualified Security Mutual life insurance advisor regarding their personal needs, objectives, and financial circumstances. Insurance products are issued by Security Mutual Life Insurance Company of New York, Binghamton, New York. Product availability and features may vary by state.​ SubscribeApple PodcastsSpotifyAndroidPandoraBlubrryby EmailTuneInDeezerRSSMore Subscribe Options

Today on Coast To Coast Hoops Greg recaps Saturday's results, talks to Mid Major Matt Josephs of ESPN Radio in Richmond about how the sample size we currently have can lend value, how he gauges tournament & neutral court games, & looks at Sunday's matchups, & Greg picks & analyzes EVERY Sunday game!Link To Greg's Spreadsheet of handicapped lines: https://vsin.com/college-basketball/greg-petersons-daily-college-basketball-lines/Greg's TikTok With Pickmas Pick Videos: https://www.tiktok.com/@gregpetersonsports?is_from_webapp=1&sender_device=pcPodcast Highlights 2:35-Recap of Saturday's results15:45-Interview with Mid Major Matt Josephs35:27-Start of picks Northern Colorado vs CS Fullerton37:36-Picks & analysis for Robert Morris vs Monmouth40:18-Picks & analysis for Old Dominion vs Drexel42:32-Picks & analysis for Virginia vs Butler44:57-Picks & analysis for Delaware vs Southern Illinois47:33-Picks & analysis for Mt. St. Mary's vs Western Michigan50:37-Picks & analysis for St. Thomas vs Portland53:32-Picks & analysis for UL Monore vs East Tennessee56:21-Picks & analysis for Quinnipiac vs Pittsburgh59:01-Picks & analysis for South Carolina vs Northwestern1:01:41-Picks & analysis for IU Indy vs Air Force1:04:29-Picks & analysis for Youngstown St vs NC Greensboro1:07:21-Picks & analysis for Detroit vs DePaul1:10:07-Picks & analysis for North Dakota vs Western Illinois1:12:53-Picks & analysis for Middle Tennessee vs Murray St1:15:53-Picks & analysis for Coastal Carolina vs Illinois St1:18:29-Picks & analysis for Clemson vs Georgia1:21:06-Picks & analysis for West Virginia vs Xavier1:23:39-Picks & analysis for Yale vs Charleston1:25:54-Picks & analysis for Akron vs Evansville1:28:14-Picks & analysis for Tulane vs Boston College1:30:48-Picks & analysis for Utah St vs Davidson1:33:43-Start of extra games Alabama St vs SIU Edwardsville1:36:06-Picks & analysis for Binghamton vs Canius1:38:24-Picks & analysis for Arkansas Pine Bluff vs Miami OH1:40:26-Picks & analysis for Delaware St vs Miami1:42:50-Picks & analysis for Brown vs Maine1:45:35-Picks & analysis for Longwood vs Columbia1:48:13-Picks & analysis for Eastern Washington vs Central Arkansas1:50:41-Picks & analysis for South Carolina St vs South Dakota1:52:42-Picks & analysis for West Georgia vs Georgia Tech1:54:58-Picks & analysis for Alcorn St vs Oklahoma1:56:53-Picks & analysis for Howard vs Duke1:59:00-Picks & analysis for Lamar vs Montana2:01:14-Picks & analysis for Norfolk St vs Wyoming2:03:29-Picks & analysis for McNeese vs George Washington2:06:13-Picks & analysis for Queens NC vs Fuman2:08:37-Picks & analysis for Bryant vs Connecticut2:11:06-Picks & analysis for Mercyhurst vs Marshall2:13:07-Picks & analysis for Winthrop vs Jackson St2:15:46-Picks & analysis for Prairie View vs North Florida2:18:18-Picks & analysis for UT Martin vs Southern Miss Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Send us a textJethro Trogo started doing stand-up in the Philippines in 2013 and moved to St. Paul, Minn., near the end of 2019 for his job as a software engineer. Quite the shift in culture and weather. He's been able to work himself into the comedy scene and he won the Funniest Person in St. Paul, despite almost having a heart attack the morning of the final. He's finding success, even if his in-laws don't understand it. Check him out on a stage around the Twin Cities whenever you can. Follow Jethro Trogo: Instagram: https://www.instagram.com/jethrotrogo/YouTube: https://www.youtube.com/@jethrotrogoSupport the show

Should I Use My Savings to Delay Collecting Social Security? Episode 358 – Deciding when to collect Social Security is one of the most important financial decisions you'll ever make. Make a mistake there and you'll pay for it—every month for the rest of your life. But what if you want to retire early? That doesn't mean you also need to collect early. A “bridge” strategy can be an important tool to get you through those years between giving up your job and collecting Social Security. It could make you much better off in the long run. More SML Planning Minute Podcast Episodes Transcript of Podcast Episode 358 Hello, this is Bill Rainaldi, with another edition of Security Mutual's SML Planning Minute. In today's episode, should I use an annuity or my savings to delay collecting Social Security? So, you're getting near that age. You want to retire when you reach age 65 and become eligible for Medicare, and you're almost there. How are you going to finance it? There's no doubt you're going to miss having a steady paycheck. Should you file early for your Social Security benefit? That will replace at least some of your lost paycheck. You'll need to start by taking a look at some numbers. Let's say that, according to your statement from the Social Security Administration, your “Primary Insurance Amount,” or the benefit you would get at Full Retirement Age, which is age 67, is $3,000 per month. But if you collect at 65, you're starting two years early. Your benefit would be permanently reduced to $2,550 before annual cost of living adjustments.[1] It’s the permanent part that causes concern. If you live to age 85, you're giving up $450 per month for the 18 years between 67 and 85. On the other hand, if you were to wait until age 70 to collect, you would get $3,720 per month. You'd have to forego the five years of benefits, but your retirement from age 70 on is likely to be a bit more comfortable. And “longevity risk”—in other words, the possibility of outliving your money—is one of the biggest issues people face in retirement. Waiting until 70 helps minimize it. So, which option is better? It would be an easy choice if you knew exactly how long you're going to live. But of course, none of us do. If you end up dying at age 71, you would have been better off collecting early. If you end up living well into your eighties, you'll have more money overall if you choose to wait. And then there's the issue of the Social Security Trust Funds. They're running out of money, and expected to go bankrupt in the year 2034. But that doesn't mean your payment will disappear. If nothing is done between now and then, all payments will be reduced by approximately 19 percent. [2] This has caused some people to collect early.[3] But there is a reasonable chance that the people in Washington will “fix” Social Security before any payments are reduced.[4] That's what they've always done in past.[5] No guarantees, of course, but it seems highly unlikely politicians will allow benefits to be dramatically reduced. So, getting back to our original issue, what if you've got a good life expectancy? It would probably be best to wait until age 70 to collect, but you're planning on retiring at age 65. How are you going to get by for those five years in between, when you no longer have a paycheck, but haven't started collecting your Social Security? This is where you may want to look at some sort of “bridge” strategy. Mitigating longevity risk is a good reason to implement a bridge strategy, but there's more. According to a recent study, if you have the money to implement a bridge strategy, you can also meaningfully raise your standard of living without increasing your chance of running out of money in retirement.[6] The increased monthly Social Security benefit helps provide a dependable stream of income for the recipient which can allow for greater flexibility with remaining savings and investments. There are several possibilities when it comes to getting through that gap. If you're worried about no longer having a steady paycheck, one popular option is to purchase an annuity to provide you with the income you need to get you from 65 to 70. It can certainly help alleviate your anxiety. A single-premium immediate annuity is something that tends to work well with a Social Security bridge strategy.[7] But you need to shop around. And for the purposes of bridging the gap, you can get an annuity with a specific term. A five-year annuity would work well with the example we are using here. The other main bridging alternative is to use some of your accumulated savings. In a recent study, actuary and retirement specialist Ken Steiner concluded that using accumulated savings for Social Security bridge strategies can work well if: You expect to live longer You have enough assets that you can fund your bridge payments relatively easily You want to bolster what he calls your “floor portfolios,” that is, your less risky investments, and… You have other assets which can be invested in more risky places.[8] In the end, the financial decisions you make in your 60's are likely to have a huge impact on the rest of your life and deciding when to collect Social Security is one of the most important of those decisions. Make a mistake there and you'll pay for it every month for the rest of your life. Like so many other things, deciding when to collect Social Security can be complicated. It's best to have a skilled and trusted professional by your side to help you avoid any pitfalls. Your Security Mutual Life insurance agent can help. Your Security Mutual Life insurance agent will assemble your team and coordinate with your attorney and tax professional to review your situation and to determine the insurance plan that will best suit your needs and objectives. [1] Social Security Administration. “Early or Late Retirement?” SSA.gov. https://www.ssa.gov/oact/quickcalc/early_late.html (accessed October 9, 2025). [2] Social Security Administration. “Social Security Board of Trustees: Projection for Combined Trust Funds One Year Sooner than Last Year.” SSA.gov. https://blog.ssa.gov/social-security-board-of-trustees-projection-for-combined-trust-funds-one-year-sooner-than-last-year/ (accessed October 9, 2025). [3] Steiner, Ken. “Should Your Clients Use Savings to Defer Social Security?” Advisorperspectives.com. https://www.advisorperspectives.com/articles/2025/08/19/should-clients-use-savings-defer-social-security? (accessed October 8, 2025). [4] Horsley, Scott. “Social Security benefits face big cuts in 2033, unless Congress acts.” NPR.org. https://www.npr.org/2025/06/18/nx-s1-5436828/social-security-benefits-cut-congress (accessed October 9, 2025). [5] Social Security Administration. “SUMMARY of P.L. 98-21, (H.R. 1900) Social Security Amendments of 1983-Signed on April 20, 1983.” SSA.gov. https://www.ssa.gov/history/1983amend.html (accessed October 9, 2025). [6] Manganaro, John. “This Social Security Strategy Gives Retirees More to Spend.” ThinkAdvisor.com. https://www.thinkadvisor.com/2025/09/03/this-social-security-claiming-strategy-reliably-lifts-retirement-income/ (accessed October 8, 2025). [7] Christian, Rachel. “How an annuity can help you delay Social Security and retire early.” Bankrate.com. https://www.bankrate.com/retirement/bridging-the-gap-to-social-security-with-an-annuity/ (accessed October 8, 2025). [8] Steiner, Ken. “Should Your Clients Use Savings to Defer Social Security?” Advisorperspectives.com. https://www.advisorperspectives.com/articles/2025/08/19/should-clients-use-savings-defer-social-security? (accessed October 8, 2025). More SML Planning Minute Podcast Episodes This podcast is brought to you by Security Mutual Life Insurance Company of New York, The Company That Cares®. The content provided is intended for educational and informational purposes only. Information is provided in good faith. However, the Company makes no representation or warranty of any kind regarding the accuracy, reliability, or completeness of the information. The information presented is designed to provide general information regarding the subject matter covered. It is not to serve as legal, tax or other financial advice related to individual situations, because each individual's legal, tax and financial situation is different. Specific advice needs to be tailored to your situation. Therefore, please consult with your own attorney, tax professional and/or other advisors regarding your specific situation. To help reach your goals, you need a skilled professional by your side. Contact your local Security Mutual life insurance advisor today. As part of the planning process, he or she will coordinate with your other advisors as needed to help you achieve your financial goals and objectives. For more information, visit us at SMLNY.com/SMLPodcast. If you've enjoyed this podcast, tell your friends about it. And be sure to give us a five-star review. And check us out on LinkedIn, YouTube and Twitter. Thanks for listening, and we'll talk to you next time. Tax laws are complex and subject to change. The information presented is based on current interpretation of the laws. Neither Security Mutual nor its agents are permitted to provide tax or legal advice. The applicability of any strategy discussed is dependent upon the particular facts and circumstances. Results may vary, and products and services discussed may not be appropriate for all situations. Each person's needs, objectives and financial circumstances are different, and must be reviewed and analyzed independently. We encourage individuals to seek personalized advice from a qualified Security Mutual life insurance advisor regarding their personal needs, objectives, and financial circumstances. Insurance products are issued by Security Mutual Life Insurance Company of New York, Binghamton, New York. Product availability and features may vary by state.​ SubscribeApple PodcastsSpotifyAndroidPandoraBlubrryby EmailTuneInDeezerRSSMore Subscribe Options

Today on Coast To Coast Hoops it is a straight forward podcast as there are over 70 games on the betting board and Greg picks & analyzes every one of thm!Link To Greg's Spreadsheet of handicapped lines: https://vsin.com/college-basketball/greg-petersons-daily-college-basketball-lines/Greg's TikTok With Pickmas Pick Videos: https://www.tiktok.com/@gregpetersonsports?is_from_webapp=1&sender_device=pc Podcast Highlights 3:46-Start of picks Clemson vs Georgetown6:13-Picks & analysis for Ohio vs Louisville8:40-Picks & analysis for Detroit vs Toledo11:15-Picks & analysis for Stony Brook vs Yale13:45-Picks & analysis for Penn St vs La Salle16:17-Picks & analysis for Kansas City vs Texas19:05-Picks & analysis for Kent St vs Cleveland St21:54-Picks & analysis for Maryland vs Marquette24:53-Picks & analysis for UT San Antonio vs Denver27:52-Picks & analysis for Miami Ohio vs Air Force30:20-Picks & analysis for Marshall vs Virginia33:02-Picks & analysis for Butler vs SMU35:44-Picks & analysis for Princeton vs Kansas38:23-Picks & analysis for Boston College vs Temple40:51-Picks & analysis for St. Thomas vs SE Missouri St43:36-Picks & analysis for Syracuse vs Drexel46:48-Picks & analysis for Montana St vs Boise St49:44-Picks & analysis for Idaho vs UC San Diego52:28-Picks & analysis for UTEP vs Utah St55:03-Picks & analysis for Youngstown St vs St. Bonaventure57:33-Picks & analysis for Pacific vs CS Fullerton1:00:15-Picks & analysis for North Dakota vs UC Riverside1:02:45-Picks & analysis for Bowling Green vs Davidson1:05:13-Picks & analysis for Old Dominion vs George Washington1:08:21-Picks & analysis for William & Mary vs St. John's1:11:22-Picks & analysis for Missouri St vs UT Arlington1:13:58-Picks & analysis for BYU vs Connecticut1:16:29-Picks & analysis for Nevada vs Santa Clara1:19:00-Picks & analysis for Oklahoma vs Nebraska1:21:21-Picks & analysis for Southern Utah vs Omaha1:23:45-Picks & analysis for Belmont vs Oral Roberts1:26:16-Picks & analysis for Duquesne vs Villanova1:28:56-Picks & analysis for Grand Canyon vs St. Louis1:31:25-Picks & analysis for Northern Colorado vs Pepperdine1:34:03-Picks & analysis for New Mexico vs New Mexico St1:36:37-Picks & analysis for UW Green Bay vs Minnesota1:38:51-Picks & analysis for Sam Houston St vs Utah1:41:01-Picks & analysis for Portland vs Wyoming1:43:33-Picks & analysis for Idaho St vs Seattle1:46:10-Picks & analysis for Bradley vs San Francisco1:48:38-Picks & analysis for Weber St vs UC Irvine1:51:19-Picks & analysis for Utah Valley vs Fresno St1:53:27-Picks & analysis for Utah Tech vs Hawaii1:56:02-Picks & analysis for Little Rock vs Ball St2:00:47-Start of extra games South Alabama vs Coppin St2:02:53-Picks & analysis for Vermont vs Northeastern2:05:15-Picks & analysis for Jacksonville vs VMI2:07:25-Picks & analysis for Merrimack vs Boston U2:09:32-Picks & analysis for Chattanooga vs FL Gulf Coast2:12:08-Picks & analysis for Delaware St vs New Haven2:14:23-Picks & analysis for Harvard vs Army2:16:20-Picks & analysis for Loyola MD vs Stonehill2:18:45-Picks & analysis for Wofford Bellarmine2:20:55-Picks & analysis for Illinois Chicago vs Chicago St2:23:514Picks & analysis for Mercer vs Winthrop2:25:47-Picks & analysis for Austin Peay vs NC Greensboro2:28:02-Picks & analysis for New Hampshire vs George Mason2:30:15-Picks & analysis for SE Louisiana vs Mississippi St2:32:10-Picks & analysis for Sacred Heart vs Queens NC2:34:24-Picks & analysis for Binghamton vs Longwood2:36:41-Picks & analysis for Arkansas Pine Bluff vs Vanderbilt2:39:13-Picks & analysis for East Tennessee vs North Alabama2:41:12-Picks & analysis for Radford vs Wright St2:43:48-Picks & analysis for Morgan St vs Mercyhurst2:45:58-Picks & analysis for Fairleigh Dickinson vs NJIT2:48:18-Picks & analysis for Texas Southern vs Texas St2:50:58-Picks & analysis for NIcholls vs Murray St2:53:34-Picks & analysis for James Madison vs Long Island2:56:51-Picks & analysis for Jackson St vs Louisiana Tech2:58:45-Picks & analysis for USC Upstate vs UNC Wilmington3:00:52-Picks & analysis for Bethune Cookman vs Dayton3:03:06-Picks & analysis for Gardner Webb vs Elon3:05:41-Picks & analysis for Manhattan vs Mississippi Valley St Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Send us a textShawn Barnes did his first set while going to SUNY Oneonta back in the early 2010s and occasionally came back to stand-up. It wasn't until an established comedian moved upstairs that he decided to give it a real go. Now he's working all over New York and just won the Capital Region's Funniest Comic competition. He's getting work at the Albany Funny Bone and the Comedy Works in Saratoga. Follow Shawn Barnes: Instagram: https://www.instagram.com/shawnbarnes32/TikTok: https://www.tiktok.com/@shawnbarnes32Twitter: https://x.com/ShawnBarnes32Support the show

Welcome to Full Court Press — your go-to college basketball betting show for game-day odds, expert picks, and matchup analysis across the NCAA slate. Each episode dives deep into spreads, totals, team props, and advanced stats to help you stay sharp all season long.00:00 Intro01:36  Minnesota vs Missouri11:40 James Madison vs Longwood16:38 Miss Valley St vs Hawaii21:12 SWAC Travel Spots22:46 Manhattan vs Utah Tech23:50 Siena vs St. Bonaventure29:05 Oakland vs Houston36:35 Little Rock vs Marquette (Veno Parlay Leg)39:36 Promo Time43:05 Cal Poly vs Colorado State (Trigg Parlay Leg)50:32 Milwaukee vs Indiana (BP Parlay Leg)55:38 Eastern Washington vs Seattle57:29 Binghamton vs Georgetown59:25 Parlay Recap

Today on Coast To Coast Hoops Greg recaps Tuesday's results, talks to Ryan McIntyre of The Sports Gambling Podcast Network  about the high scoring blowouts we have seen to start the season, tricky schedule spots early on for some teams, the Big XII hierarchy, & Wednesday's games, & Greg picks & analyzes EVERY Tuesday game!Link To Greg's Spreadsheet of handicapped lines: https://vsin.com/college-basketball/greg-petersons-daily-college-basketball-lines/Greg's TikTok With Pickmas Pick Videos: https://www.tiktok.com/@gregpetersonsports?is_from_webapp=1&sender_device=pcPodcast Highlights 2:50-Recap of Tuesday's results16:22-Interview with Ryan McIntyre41:58-Start of picks Fort Wayne vs Western Michigan44:12-Picks & analysis for Sena vs St. Bonaventure46:50-Picks & analysis for Elon vs Marshall49:43-Picks & analysis for Toledo vs Wright St52:32-Picks & analysis for Northern Kentucky vs East Tennessee55:20-Picks & analysis for UW Milwaukee vs Indiana57:41-Picks & analysis for St. Peter's vs VCU1:00:02-Picks & analysis for St. Joseph's vs Virginia Tech1:03:12-Picks & analysis for UT San Antonio vs Texas St1:06:17-Picks & analysis for Little Rock vs Marquette1:08:54-Picks & analysis for UNC Greensboro vs NC State1:11:43-Picks & analysis for Oakland vs Houston1:14:44-Picks & analysis for Southern Indiana vs South Dakota1:17:05-Picks & analysis for Tulsa vs Oral Roberts1:19:10-Picks & analysis for Middle Tennessee vs Evansville1:21:32-Picks & analysis for Minnesota vs Missouri1:23:57-Picks & analysis for UT Martin vs Bradley1:27:13-Picks & analysis for Cal Poly vs Colorado St1:29:38-Picks & analysis for U San Diego vs Fresno St1:32:13-Picks & analysis for Weber St vs Utah St1:34:52-Picks & analysis for North Texas vs Oregon St1:37:09-Picks & analysis for South Dakota St vs Oregon1:39:41-Picks & analysis for Utah Tech vs Manhattan1:41:58-Picks & analysis for Long Beach St vs Pacific1:44:18-Picks & analysis for Southern Illinois vs Nevada1:46:53-Picks & analysis for Montana St vs Stanford1:51:10-Picks & analysis for Portland St vs San Francisco1:53:35-Picks & analysis for Idaho s San Diego1:56:19-Picks & analysis for Eastern Washington vs Seattle1:59:28-Start of extra games Binghamton vs Georgetown2:02:44-Picks & analysis for Brown vs Boston U2:05:10-Picks & analysis for Mercyhurst vs Canisius2:07:22-Picks & analysis for American vs George Washington2:09:47-Picks & analysis for Presbyterian vs South Carolina2:11:16-Picks & analysis for North Florida vs Tennessee2:14:50-Picks & analysis for Coppin St vs South Florida2:17:09-Picks & analysis for James Madison vs Longwood2:19:49-Picks & analysis for Eastern Kentucky vs Vanderbilt2:22:21-Picks & analysis for Dartmouth vs Bryant2:24:57-Picks & analysis for Samford vs Texas Southern2:27:43-Picks & analysis for Prairie View vs Oklahoma St2:30:46-Picks & analysis for Fairleigh Dickinson vs Texas2:32:56-Picks & analysis for Nicholls vs Valparaiso2:35:43-Picks & analysis for Mississippi Valley St vs Hawaii Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Tony opens the show by talking about watching a blowout in women's college basketball and wondering how badly Binghamton will lose to Georgetown next week, and he also talks about finding an old letter in his PTI office and about the St. Louis Blues goalie apparently trying to steal the puck that was Alex Ovechkin's 900th goal. Jason La Canfora calls in to talk about what we learned from the Broncos win over the Raiders, the lessons we got from last week's big games, and what to make of the moves made at the trade deadline. James Carville couldn't call in, but he sent his weekly picks in, and Tony talks to Jeff Ma about his picks and what the futures market looks like now, and Tony closes out the show by opening up the Mailbag.Song : MidLyfe's Crisis “There Goes Your Life” To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

Send us a textMatt Drufke has been doing stand-up in and around Chicago for about 20 years. He's one of a nine-person team behind the Still Not Friday show in Aurora, Ill., that just celebrated its 10th anniversary. He was able to book Kyle Kinane for that show and they're hoping to get comedians of a similar status for future shows. He's been able to watch some of the best comics in the country come through the Chicago scene and he's just trying to play his part in making the scene as strong as it can be.Follow Matt Drufke: Instagram: https://www.instagram.com/ihatemattdrufke/BlueSky: https://bsky.app/profile/ihatemattdrufke.bsky.socialYouTube: https://www.youtube.com/@mattdrufkeTikTok: https://www.tiktok.com/@ihatemattdrufkeSupport the show

00:00-15:00: ML recaps SU's win over Binghamton and says it's all about stacking wins, reps and getting better until the gauntlet arrives. Thanks to CH Insurance and Byrne Dairy. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

Brent Axe recap's Syracuse basketball's 85-47 win over Binghamton in the 2025-26 season opener. The Orange brought some fun back to the JMA Dome with some up-and-down play, lots of dunks, great defense and a total of five players in double figures.  Axe discusses Kiyan Anthony's impressive debut and the three-level scoring he brings to the table. Donnie Freeman's return with 20 points and the noticeable difference between the first game this season vs. a nail-biter against Le Moyne last year.  Axe also updates JJ Starling's injury (Starling left Monday's game with a leg injury) plus you'll hear from SU head coach Adrian Autry, Freeman and Anthony.  The conversation on Syracuse Sports and the Syracuse football postgame show is always shaped by terrific insight from Syracuse Sports Insiders.  Become a Syracuse Sports Insider today! Sign up here to get your voice heard on the SU football postgame show and have direct text message access to Brent Axe anytime. https://joinsubtext.com/syracusesports Learn more about your ad choices. Visit megaphone.fm/adchoices

It is a straight forward podcast, there's 108 Division I vs Division I college basketball games on the betting board for Monday & Greg picks & analyzes EVERY one of them!Link To Greg's Spreadsheet of handicapped lines: https://vsin.com/college-basketball/greg-petersons-daily-college-basketball-lines/Greg's TikTok With Pickmas Pick Videos: https://www.tiktok.com/@gregpetersonsports?is_from_webapp=1&sender_device=pcPodcast Highlights 3:56-Start of picks Bradley vs St. Bonaventure 7:04-Picks & analysis for Murray St vs Omaha10:14-Picks & analysis for Northern Arizona vs Drake13:15-Picks & analysis for Southern Miss vs Buffalo16:37-Picks & analysis for Georgia St vs Eastern MI19:42-Picks & analysis for Quinnipiac vs St. John's22:56-Picks & analysis for South Alabama vs Toledo26:08-Picks & analysis for IU Indy vs Ohio State29:04-Picks & analysis for Canisius vs Dayton32:04-Picks & analysis for Texas St vs Bowling Green 35:02-Picks & analysis for Mercer vs Tennessee 37:30-Picks & analysis for Niagara vs Duquesne 40:34-Picks & analysis for Marshall vs Massachusetts 43:30-Picks & analysis for Louisiana vs Ball State46:32-Picks & analysis for Troy vs Kent State49:34-Picks & analysis for Ohio vs Arkansas State52:09-Picks & analysis for Florida vs Arizona 55:38-Picks & analysis for Rider vs Virginia57:24-Picks & analysis for James Madison vs Akron1:00:59-Picks & analysis for Old Dominion vs Miami OH1:03:37-Picks & analysis for Fairfield vs Penn State 1:06:41-Picks & analysis for Boston College vs FL Atlantic 1:09:21-Picks & analysis for Coastal Carolina vs Western Michigan 1:12:21-Picks & analysis for Youngstown St vs Pittsburgh 1:14:59-Picks & analysis for Appalachian St vs Central MI 1:18:20-Picks & analysis for Western Carolina vs Cincinnati 1:21:10-Picks & analysis for Wofford vs George Mason1:23:43-Picks & analysis for Marist vs Xavier1:26:41-Picks & analysis for Air Force vs Belmont1:29:16-Picks & analysis for Saint Peters vs Seton Hall 1:31:48-Picks & analysis for TN Tech vs Western Kentucky 1:34:33-Picks & analysis for Tarleton St vs SMU1:36:32-Picks & analysis for Cleveland St vs Loyola IL1:39:48-Picks & analysis for Hampton vs UW Milwaukee 1:42:59-Picks & analysis for Indiana St vs Charlotte 1:45:29-Picks & analysis for Detroit vs IL Chicago 1:48:21-Picks & analysis for SE Missouri St vs St. Louis1:51:25-Picks & analysis for UL Monroe vs Northern IL1:54:41-Picks & analysis for Rio Grande Valley vs Baylor1:57:28-Picks & analysis for Hofstra vs Central Florida 2:00:17-Picks & analysis for Campbell vs Wisconsin 2:02:29-Picks & analysis for Northern Dakota vs Alabama 2:04:54-Picks & analysis for UW Green Bay vs Kansas2:07:04-Picks & analysis for Utah Tech vs South Dakota 2:10:33-Picks & analysis for Samford vs Tulane2:13:26-Picks & analysis for Oakland vs Michigan 2:16:08-Picks & analysis for Fort Wayne vs Grand Canyon 2:18:57-Picks & analysis for San Jose St vs Utah2:22:10-Picks & analysis for Montana St vs Colorado 2:24:26-Picks & analysis for Idaho vs Washington St2:27:43-Picks & analysis for Villanova vs BYU2:30:19-Picks & analysis for Cal Poly vs USC2:32:17-Picks & analysis for North Dakota St vs Oregon St2:35:31-Picks & analysis for St. Thomas vs St. Mary's 2:38:27-Picks & analysis for CSU Bakersfield vs California 2:41:11-Picks & analysis for Denver vs Seattle2:43:52-Picks & analysis for Eastern Washington vs UCLA2:46:48-Start if extra games Queens NC vs Winthrop 2:51:22-Picks & analysis for Binghamton vs Syracuse 2:53:47-Picks & analysis for High Point vs Furman 2:56:58-Picks & analysis for Morgan St vs Georgetown 2:59:57-Picks & analysis for Coppin St vs Maryland 3:02:41-Picks & analysis for NC Central vs NC State3:05:29-Picks & analysis for Stetson vs Rhode Island 3:08:26-Picks & analysis for Colgate vs Michigan St3:11:12-Picks & analysis for Howard vs Missouri 3:13:59-Picks & analysis for Wagner vs VCU3:16:35-Picks & analysis for New Haven vs Connecticut 3:18:35-Picks & analysis for Southern vs Arkansas 3:21:16-Picks & analysis for Western IL vs Radford3:24:26-Picks & analysis for Lafayette vs St. Joseph's 3:27:11-Picks & analysis for Charleston So vs Virginia Tech3:29:48-Picks & analysis for Central Arkansas vs North Carolina 3:32:42-Picks & analysis for Navy vs Presbyterian 3:35:06-Picks & analysis for Delaware vs Bucknell3:37:54-Picks & analysis for Bryant vs Siena3:40:40-Picks & analysis for Long Island vs Notre Dame 3:43:57-Picks & analysis for Holy Cross vs Providence 3:46:50-Picks & analysis for MD East Shore vs Georgia Tech3:49:15-Picks & analysis for Boston U vs Northeastern 3:51:47-Picks & analysis for Bellarmine vs Georgia 3:54:34-Picks & analysis for Albany vs Marquette 3:57:20-Picks & analysis for Northwestern St vs Texas A&M3:59:59-Picks & analysis for New Hampshire vs Clemson4:02:31-Picks & analysis for Fair Dickinson vs Iowa Start4:05:48-Picks & analysis for Miss Valley St vs UAB4:08:44-Picks & analysis for Bethune Cookman vs Auburn4:11:14-Picks & analysis for West Georgia vs Nebraska 4:13:23-Picks & analysis for Mercyhurst vs Northwestern4:16:24-Picks & analysis for New Orleans vs TCU4:19:23-Picks & analysis for Lehigh vs Houston 4:21:53-Picks & analysis for Gardner Webb vs Minnesota 4:24:44-Picks & analysis for Chicago St vs DePaul4:27:26-Picks & analysis for SE Louisiana vs Ole Miss4:30:52-Picks & analysis for Lipscomb vs Vanderbilt 4:34:23-Picks & analysis for Florida A&M vs South Florida 4:36:50-Picks & analysis for Maine vs George Washington 4:39:25-Picks & analysis for Jacksonville vs Miami4:42:30-Picks & analysis for American vs Wake Forest 4:45:12-Picks & analysis for St. Francis PA vs Oklahoma 4:49:50-Picks & analysis for Jackson St vs Illinois 4:52:54-Picks & analysis for Incarnate Word vs Colorado St4:55:23-Picks & analysis for Towson vs Loyola MD4:58:13-Picks & analysis for Merrimack vs South Dakota St5:00:55-Picks & analysis for So Carolina St vs Louisville 5:04:13-Picks & analysis for Texas Southern vs Gonzaga 5:07:36-Picks & analysis for Ark Pine Bluff vs Washington 5:11:08-Picks & analysis for USC Upstate vs Cal Baptist Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Send us a textIsaac Kozell started doing stand-up in Pittsburgh about 14 years ago. He was living in Wheeling, West Va., but had to chase the stage elsewhere. He worked in marketing and fixed up houses on the side, something he'd learned as a kid. Once his neighbors spread the word, he started fixing houses full-time. He produces four shows in New Orleans and has southern living about figured out -- just in time to move north with his girlfriend. Follow Isaac Kozell:Instagram: https://www.instagram.com/theisaackozell/Support the show

Nick Zieziula is entering his 12th season as the Head Men's Coach at Binghamton University. In this podcast, Dave and Nick discuss the ways he was able to keep various key stakeholders engaged and involved with his program during a performance slump. They also talk about what coming back from that looks like and how he and his coaching staff are maintaining their momentum. Finally - this fall, Nick's program and several other universities in New York, along with USTA Eastern, worked together to create a large community service event centered around a fall college tournament. Nick explains what they did, how they did it and why other college coaches should consider implementing something similar in their own communities.

Send us a textTommy Cook started doing stand-up outside of Detroit about 2 1/2 years ago. He grew up on a steady diet of musicals, thanks to his grandparents. He played in the marching and concert bands in high school and became the lead singer of Granola Add Bacon, a ska band, as a senior. He works with Depot Town Comedy and is constantly trying not to embarrass his mom -- again.Follow Tommy Cook: Instagram: https://www.instagram.com/tommycooklol/TikTok: https://www.tiktok.com/@tommycooklol?_t=8gjVq4sk0wo&_r=1Twitter: https://x.com/tommycooklolYouTube: https://www.youtube.com/channel/UCffaJc1fvlu0_0bZJ7VKgfgWebsite: https://tommycooklol.carrd.co/Support the show

Send us a textConor McCann only started doing stand-up in July of 2024. He entered the Rochester's Funniest Person contest two weeks after his first open mic and took second place. He came back this year and won the title. A former musician from the Cold Spring, N.Y., he's got a dry, dark sense of humor and it's paying off. He's working regularly across New York and has his eyes set on the city. He'll be at the Crooked Mouth Comedy Festival in Endicott between Oct. 16 to Oct. 19.Follow Conor McCann:Instagram: https://www.instagram.com/conormccanncomedy/TikTok: https://www.tiktok.com/@conormccanncomedySupport the show

Discussing Economic Inequality with Robert F. MulliganIn this episode of The Rational Egoist, Michael Liebowitz sits down with economist Robert F. Mulligan to discuss one of the most debated issues in modern economics—economic inequality.Dr. Mulligan brings a rigorous, data-driven perspective to the conversation, examining what inequality actually measures, whether it's inherently unjust, and how government intervention often worsens the very disparities it claims to solve. Together, they explore the moral and economic implications of wealth distribution, the dangers of envy-based policies, and why freedom—not forced equality—is the foundation for human flourishing.Dr. Mulligan holds a BS in Civil Engineering from the Illinois Institute of Technology, and both an MA and PhD in Economics from the State University of New York at Binghamton. He also earned an Advanced Studies Certificate in International Economic Policy Research from the Institut fuer Weltwirtschaft Kiel in Germany. His academic career includes teaching positions at SUNY Binghamton, Clarkson University, and Western Carolina University, where he has inspired countless students to think critically about markets, policy, and individual choice.Read more here: https://www.amazon.com/dp/1630691836/ref=cm_sw_r_ffobk_cso_cp_apin_dp_HHGKSW9Z8Y3HVXHGBSHB

Send us a textAlex Nicolas has been a fixture of the Jersey City, N.J., comedy scene since 2014. He started doing stand-up under the recommendation of a former boss combined with his mom telling him he wasn't funny. He spent a couple years working at the Stress Factory in New Jersey and plans on working the road as much as possible in the next few years. Alex recorded a special at the end of September. Follow Alex Nicholas: Instagram: https://www.instagram.com/notalexnicholas/TikTok: https://x.com/notalexnicholasSupport the show

Send us a textChris Weir has been doing stand-up in Cincinnati since 2011. He started while he was at North Kentucky University, but really jumped into the scene after graduating. He's a huge Reds fan and hosts a podcast dedicated to them called The New Nasty Boys, an homage to Rob Dibble, Norm Charlton and Randy Myers. He won Cincinnati's Funniest Person and works all over the Midwest. He's also an artist and graphic designer, too. Follow Chris Weir: Instagram: https://www.instagram.com/chrisweircw/Twitter: https://x.com/chrisweircwWebsite: https://www.chrisweir.net/Live in Cincinnati: https://youtu.be/XxvN0g1borkSupport the show