Podcasts about CHM

Jacqui Robertson is a wonderful example of how every testimony is a chance to share what God has done for you in order to encourage others! Having been saved since she was a child, Jacqui was a little worried she didn't have a dynamic testimony. I think a lot of us who were raised in the church and saved at an early age can relate! But to hear how God has woven Himself in her life is a beautiful example of how we all can see His hand if we step back for a moment and look!Want to Connect with Jacqui?Jacqui.Robertson@bhhsgeorgia.comWant to Connect with CHM? https://choosinghimministries.org/

RIP Val Kilmer! Man engaged to a woman talking about breaking up! Fat, liberal, low-T society!The Hake Report, Wednesday, April 2, 2025 ADTIMESTAMPS* (0:00:00) Start* (0:00:49) Val Kilmer died!* (0:04:09) Andrew Jackson or Harriet Tubman?* (0:09:44) Fave acting: Doc Holliday …* (0:12:40) HEY GUYS! Blue collar* (0:15:37) DEMETRI, Estonia, 1st: Postponed wedding 2x* (0:33:00) DEMETRI: Russians, Estonia female politician* (0:36:40) DEMETRI: Fiancée spills the peas, break-up talk, 1 Cor 7: 32-34* (0:50:19) DEMETRI: Kingdom of Heaven: not dressed properly* (0:54:34) Coffee: Dr. Detroit!* (0:55:37) Val Kilmer lips, Batman, etc.* (1:00:36) RICHARD, NC: Pneumonia; Tariffs, Oil Futures; WI libs; Trump admin* (1:11:59) MEADE, VA: Fat acceptance vs anti-obesity SJW right-wingers; CHM* (1:19:58) Rumble Rant: Val Kilmer, The Saint, Gary Oldman* (1:22:43) Coffee: Yung Joc, "It's Goin' Down"* (1:24:15) news… Mexico's childhood obesity… Connection with gorilla* (1:35:18) JAIME, MN: Low T… Sups… Frankincense and Myrrh* (1:47:45) RICK, VA: Govt waste, raise debt, keep spending; Wisc* (1:53:47) Bright Lights - "Dreamanow" - 2016, Dreams of Where You Came FromLINKSBLOG https://www.thehakereport.com/blog/2025/4/2/the-hake-report-wed-4-2-25PODCAST / Substack HAKE NEWS from JLP https://www.thehakereport.com/jlp-news/2025/4/2/hake-news-wed-4-2-25Hake is live M-F 9-11a PT (11-1CT/12-2ET) Call-in 1-888-775-3773 https://www.thehakereport.com/showVIDEO YouTube - Rumble* - Facebook - X - BitChute - Odysee*PODCAST Substack - Apple - Spotify - Castbox - Podcast Addict*SUPER CHAT on platforms* above or BuyMeACoffee, etc.SHOP - Printify (new!) - Spring (old!) - Cameo | All My LinksJLP Network: JLP - Church - TFS - Nick - Joel - Punchie Get full access to HAKE at thehakereport.substack.com/subscribe

This week, Act 2 talks with Carol McLeod! Carol is a best-selling author and popular speaker at women's conferences and retreats, where she teaches the Word of God with great joy and enthusiasm.  Her current book release, Today is a Verb is a devotional aimed at showing readers how to live intentionally each day, loving and serving the Lord. Carol also speaks candidly about her struggle with depression during a hard season and how God's word carried her through it.If this podcast resonates with you and you would like a biblical counselor to talk with, please click the link below for more information about how CHM can help with your counseling needs. CHM Biblical Counseling Want to Connect with Carol? FacebookInstagramWebsite

*This month in partnership with ⁠Choroideremia Research Foundation⁠*Our Carrier Connections program features a different X-linked condition each month to increase awareness of X-linked conditions and how they impact the lives of women and girls.This month, we are featuring choroideremia (CHM). CHM is an X-linked disorder caused by mutations in the gene CHM, which produces a protein that plays a critical role in the cell's ability to transport proteins and organelles within and outside of the cell. When this gene is dysfunctional, the cell can no longer support this protein escort ability, resulting in premature cell death, primarily in the eyes. Typically, this condition is characterized by progressive vision loss. These symptoms may begin at any age, but tend to onset between childhood and adulthood. Females carriers of CHM have been proven to experience a spectrum of symptoms, ranging from mild to severe retinal degeneration. Our guest today is Michelle. She is a mom of two incredible boys with CHM, doing whatever she can to find a treatment. Carrier Connections is sponsored by Kyowa Kirin and Amgen. For more information about our organization, check out ⁠⁠⁠⁠⁠⁠⁠rememberthegirls.org⁠⁠⁠⁠⁠⁠⁠.

*This month in partnership with Choroideremia Research Foundation**Our Carrier Connections program features a different X-linked condition each month with the goal to increase awareness of X-linked conditions and how they impact the lives of women and girls.This month, we are featuring choroideremia (CHM). CHM is an X-linked disorder caused by mutations in the gene, CHM, which produces a protein that plays a critical role in the cell's ability to transport proteins and organelles within and outside of the cell. When this gene is dysfunctional, the cell can no longer support this protein escort ability, resulting in premature cell death primarily in the eyes. Typically, this condition is characterized by progressive vision loss. These symptoms may begin at any age, but tend to onset between childhood and adulthood. Females carriers of CHM have been proven to experience a spectrum of symptoms, ranging from mild to severe retinal degeneration. Today, we are featuring Dr. Sena Gocuk. Dr. Gocuk is an optometrist and postdoctoral research fellow specialising in inherited retinal diseases (IRD), with a particular focus on female carriers of X-linked IRDs. Her research explores the unique challenges female carriers face, from variability in disease expression to their underrepresentation in clinical trials. Dr. Gocuk has led innovative studies investigating retinal changes in female carriers, providing insights into emerging treatments such as gene therapy. She is an advocate for the inclusion of female carriers in research and treatment interventions, regularly sharing her findings to promote better care and access for this often-overlooked population.RESOURCES:Choroideremia Research FoundationRetinal Characteristics of Female Choroideremia Carriers: Multimodal Imaging, Microperimetry, and GeneticsLongitudinal assessment of female carriers of choroideremia using multimodal retinal imagingFemale carriers of X-linked inherited retinal diseases - Genetics, diagnosis, and potential therapiesCarrier Connections is sponsored by Kyowa Kirin and Amgen. For more information about our organization, check out ⁠⁠⁠⁠⁠⁠rememberthegirls.org⁠⁠⁠⁠⁠⁠.

You might be surprised to learn that most Americans are satisfied with their healthcare insurance. But the rest are more than a little dissatisfied.A vocal minority of health insurance policyholders are frustrated with their insurers for any number of legitimate reasons. If you're in this group, you don't want to miss today's show. Lauren Gajdek joins us with details about an efficient, affordable alternative to health insurance.Lauren Gajdek is the Vice President of Communications and Media at Christian Healthcare Ministries (CHM), an underwriter of Faith & Finance. Why Are People Frustrated with Traditional Health Insurance?Healthcare is a significant concern for many families, especially as costs continue to rise. Christian Healthcare Ministries (CHM) offers an alternative rooted in faith and community support for those who feel frustrated with traditional health insurance. Some of the most common frustrations they see are:Complicated Policies—Many insurance plans have intricate rules and coverage limitations, making it difficult to understand what is actually covered. Lack of Pricing Transparency—Patients often have no idea what they are being charged for healthcare services, which leads to higher costs that insurance companies pass along to policyholders. High Deductibles—It's not uncommon to see deductibles of $5,000, $10,000, or even $15,000, leaving families struggling to afford necessary care.At CHM, transparency is a priority. Members clearly understand what will be shared, making healthcare costs more predictable and manageable.A recent Kaiser Family Foundation survey found that most Americans rate their health insurance as "good" or even "excellent." However, people generally seem to be pretty happy with their insurance—if they haven't had to use it. Many individuals benefit from government subsidies or employer-sponsored plans, but satisfaction drops significantly when it comes time to submit claims and navigate the system. The more people engage with their insurance provider, the more dissatisfied they tend to become.How Does Medical Cost Sharing Work?CHM stands apart as an alternative to health insurance. Since their founding in 1981, they have shared nearly $12 billion in medical bills for its members. People are looking for something that aligns with their faith and upholds their values, and that's where CHM steps in.With over 40 years of experience, CHM provides a trusted solution for Christians who want a healthcare option that reflects their beliefs.Unlike traditional insurance, CHM is a healthcare cost-sharing ministry. Members are considered self-pay, meaning they pay medical providers directly, but CHM shares 100% of qualifying medical bills based on established guidelines.Key features of CHM include:Flexible Program Options—Monthly contributions range from $98 to $255 per person, allowing families to tailor their plans to their needs and budget. No Network Restrictions—Members can choose their own providers and are not limited to specific hospitals or doctors. Community of Support—Members help bear one another's burdens, fulfilling a biblical model of care and stewardship.While the concept may initially seem unfamiliar, CHM's long track record of faithfulness and financial stewardship reassures members that their medical needs will be met.A Faith-Based Healthcare AlternativeFor many believers, CHM has proven to be a perfect fit, providing financial relief and peace of mind. To learn more about how medical cost-sharing could benefit your family, visit chministries.org/faith.If you've felt burdened by the complexities of traditional insurance, CHM may be the blessing you've been looking for.On Today's Program, Rob Answers Listener Questions:I'm trying to find out if there is anything available, like a lower-interest loan, to help me pay off my credit card debt. I have about $45,000 in debt, and I'm okay with paying it down, but I'd like to find a lower interest rate than the 14% I'm currently paying.My husband and I are both 77 years old, and I'm totally blind and he has several health problems. We'd like to set up an irrevocable trust to avoid probate when one of us passes away, but we don't have a lot of money. I'm not sure how to go about getting an elder law attorney to help us with this.I'm wondering if I should consider purchasing a long-term care insurance policy. I'm 77 years old, and I know that the majority of Americans over 65 will need some form of long-term care, which can be very expensive. I'm trying to figure out if getting a long-term care policy makes sense for my situation.I'm retiring soon and have a lump sum of money from my company's retirement plan. I don't want to take the lump sum and have 20% withheld in taxes. Instead, I'd like to roll the money over into a CD or similar safe investment where it can grow, but my company doesn't allow that. I'm not comfortable investing in stocks, so I'm looking for a way to keep the money safe and growing.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly MagazineChristian Healthcare Ministries (CHM)Christian Credit CounselorsBankrate.com Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Big changes are coming to the Breakthrough Brand Podcast! In this episode, I'm sharing a personal and business update that's been months in the making—I'm shifting the podcast to a seasonal format and taking a three-month break from releasing new episodes. But don't worry, this isn't a goodbye! To be clear, I'll still be actively working in my business and the podcast itself is NOT ending. I'll be back soon with fresh content, and I'm excited to share the reasons behind this shift, how I made this decision, and what I'll be focusing on during this break.If you've ever wondered how to balance content creation, business growth, and life's changing seasons, this episode is for you. I'll dive into why I'm making this shift, what it means for the future of the podcast, and how you can apply the same intentional decision-making to your own business. Plus, I'll answer some questions you might be wondering about this change and what you can do while the podcast is on pause. Let's dive in!Timestamps for the Q&A of things you might be wondering (in case you end up wanting to skip around): Be sure to listen to the first part of the episode as well where I explain this shift. 17:46 - Why are you choosing to take a break from something that is profitable? 19:20 - Do you think revenue will go down when you stop having weekly episodes?22:36 - Was this a data decision or a gut decision? 24:13 - How do you make a gut decision like this? What was the process? 28:19 - Do you have any advice on making tough business decisions? 31:14 - What marketing efforts are you keeping? 33:20 - Do you think that will work fine for every business owner to take a content creation break? 34:47 - You've shared how most of your customers come through SEO/podcast... Do you think that will be affected?37:19 - How did you decide on the break format? (Seasons versus airing every other week)39:54 - What will you be doing with the time this podcast break frees up?41:46 - Are you decreasing the amount you're working (less than two days a week)? 44:25 - Now that we've talked about my business decisions, what should you do while there's a break?Links mentioned: Read the full show notes: https://elizabethmccravy.com/307 Showit template quiz: https://elizabethmccravy.com/quiz  Connect on Instagram: https://www.instagram.com/elizabethmccravy/   Shop Showit templates: https://elizabethmccravy.com/shop Join me inside Booked Out Designer: https://elizabethmccravy.com/bod Supercharge your email list with BDOW!. This powerful software helps you target the right visitor with the right message at the right time. Get 25% off your subscription with the code ELIZABETH for a limited time! Head to elizabethmccravy.com/BDOW to grab the deal and snag a free BDOW! template I designed just for you and start building a bigger email list, faster! Thanks to our sponsor, Christian Heathcare Ministries! CHM is a health cost-sharing ministry and is a faith-based alternative to traditional health insurance. My family LOVES using CHM for our healthcare! You'll save tons of money with CHM, and CHM shares 100% of eligible medical bills. Learn more: elizabethmccravy.com/CHM

Today, I'm chatting with Emily Conley, an incredible copywriter, business owner, and world traveler who's been balancing work, family, and homeschooling—all while exploring different countries. If you've ever wondered, is it possible to run a business without social media?, Could I travel full-time with my family?, or How does homeschooling actually work on the go?—this episode is for you!Emily shares the wild story of losing her Instagram account (twice!) and how she not only kept her business going but had her highest revenue year ever without relying on social media. We also dive into what it's like to take a family gap year, the logistics of renting out their home, selling their cars, and making travel work with a young child.In this episode, we cover:Losing Instagram after four years of growing a business—and what happened nextRunning a business without social media and where her clients actually come fromTraveling the world while still working Homeschooling on the road—what it looks like and how she makes it workScheduling, time management, and working across different time zonesThe biggest mindset shifts around work, life, and doing things your wayEmily keeps it so real—sharing the challenges, the wins, and the lessons learned along the way (in detail!). If you've ever dreamed of stepping away from social media, changing the way you work, or traveling with your family, this episode will give you so much inspiration (and practical tips to make it happen!).Links mentioned:- Read the full shownotes: https://elizabethmccravy.com/306 - Watch this interview on Youtube: https://youtu.be/Nk173kit9CI - Follow Emily on Instagram: https://instagram.com/emilywriteswell and https://instagram.com/slowdowntravelmore - Work with Emily: https://emilywriteswell.com - Connect with Elizabeth on Instagram: https://instagram.com/elizabethmccravy - Take Our Website Quiz (+ Get Free Canva Templates!): https://elizabethmccravy.com/quiz  - Join Booked Out Designer: https://elizabethmccravy.com/bod    Supercharge your email list with BDOW!. This powerful software helps you target the right visitor with the right message at the right time. Get 25% off your subscription with the code ELIZABETH for a limited time! Head to elizabethmccravy.com/BDOW to grab the deal and snag a free BDOW! template I designed just for you and start building a bigger email list, faster! Thanks to our sponsor, Christian Heathcare Ministries! CHM is a health cost-sharing ministry and is a faith-based alternative to traditional health insurance. My family LOVES using CHM for our healthcare! You'll save tons of money with CHM, and CHM shares 100% of eligible medical bills. Learn more: elizabethmccravy.com/CHM

If you've ever wondered how to navigate health insurance as a self-employed family, this episode is for you! With two kids (and another on the way!) and no employer-sponsored coverage, we've found an alternative that works for us—Christian Healthcare Ministries (CHM). In this episode, we're breaking down exactly how it works, what we pay, and the pros and cons of opting out of traditional health insurance.Spoiler: Private health insurance can be insanely expensive, but there are real, budget-friendly alternatives worth considering!In this episode, we're sharing:Our journey from employer-sponsored insurance to self-pay healthcareWhy we chose Christian Healthcare Ministries (CHM) and how it worksA full cost breakdown of CHM vs. traditional health insuranceThe pros and cons of CHMWhether you're already self-employed or considering the leap and thinking about health insurance, my hope is that episode will help you understand your options (and see why we love CHM so much! This episode is sponsored by Christian Healthcare Ministries. To get a free quote for your family, head here next: https://elizabethmccravy.com/CHMpod Links mentioned:Read the full show notes: https://elizabethmccravy.com/305  Get a free quote with CHM: https://elizabethmccravy.com/CHMpod Take my Showit template quiz (and get free Canva templates!): https://elizabethmccravy.com/quiz   Connect on Instagram: https://www.instagram.com/elizabethmccravy   Shop Showit templates: https://elizabethmccravy.com/shop Join me inside Booked Out Designer: https://elizabethmccravy.com/bod  Sign up for Podcast Success Blueprint: https://elizabethmccravy.com/psb   BDOW! info: https://elizabethmccravy.com/bdow! 

Motherhood and business—can we really do both without losing our minds? If you're an entrepreneur who's expecting or navigating new motherhood, this episode is for you. I'm sharing everything I wish I had known before having my first baby while running a business. From planning maternity leave (hint: you'll probably need more time than you think) to learning how to delegate and let go of perfectionism, I'm breaking it all down with real, honest advice.I've been running my business for years before becoming a mom, and being a mom has changed everything. But here's the thing—I didn't have to give up my business or my dream of being a present, hands-on mom. I had to learn how to pivot, simplify, and create a version of success that actually worked for my family. And that's exactly what I want to help you do, too. Whether you're pregnant, trying to conceive, or already juggling diapers and deadlines, this episode will give you the pep talk (and strategy) you need. So if you're wondering How will I keep my business going? or Will I ever sleep again?!—I've got you. Let's dive into my top tips for navigating this wild, beautiful season of motherhood and entrepreneurship. You can do this, and I'm here to help!Links mentioned: Read the full show notes: https://elizabethmccravy.com/304 Take my Showit template quiz (and get free Canva templates!): https://elizabethmccravy.com/quiz  Connect on Instagram: https://www.instagram.com/elizabethmccravy/   Shop Showit templates: https://elizabethmccravy.com/shop Join me inside Booked Out Designer: https://elizabethmccravy.com/bod Sign up for Podcast Success Blueprint: https://elizabethmccravy.com/psb    Supercharge your email list with BDOW!. This powerful software helps you target the right visitor with the right message at the right time. Get 25% off your subscription with the code ELIZABETH for a limited time! Head to elizabethmccravy.com/BDOW to grab the deal and snag a free BDOW! template I designed just for you and start building a bigger email list, faster! Thanks to our sponsor, Christian Heathcare Ministries! CHM is a health cost-sharing ministry and is a faith-based alternative to traditional health insurance. My family LOVES using CHM for our healthcare! You'll save tons of money with CHM, and CHM shares 100% of eligible medical bills. Learn more: elizabethmccravy.com/CHM

In today's episode, we're talking about prioritizing health and wellness as busy women who are juggling businesses, chasing kids, managing marriages, maintaining friendships, and nurturing faith. With so much on our plates, our health often takes a backseat.Our guest today is Shaela Daugherty, host of the Simple Fitness Habits podcast. She's a certified personal trainer and nutrition coach who believes that every woman can build a healthy, fit lifestyle—no matter what season of life they're in.In this episode, we discuss why the busiest time in your life is actually the best time to prioritize your health. She shares simple, practical ways to focus on wellness without overwhelming your schedule or mental energy. We cover topics like hitting protein goals, incorporating rhythms for health and fitness as a busy mom, and even reframing the idea of our bodies as temples through scripture.I absolutely loved this conversation. After recording, I told Shaela how motivated I felt—I immediately got up, ate some protein, and went for a walk! I hope this conversation leaves you feeling just as inspired. And if you're listening in late January or early February, right after those ambitious New Year's resolutions may have started to fizzle, consider this your reset. Let's dive in!Links Mentioned:- Read the full shownotes: https://elizabethmccravy.com/303Grab Shaela's FREE Guide with Five Health and Fitness Must-Haves For Working Moms: https://www.shaeladaugherty.com/workingmom - Follow Shaela on Instagram: https://www.instagram.com/sdfitwell - Tune into Simple Fitness Habits: https://podcasts.apple.com/us/podcast/simple-fitness-habits-workout-plans-health-habits-macros/id1660815904 - Connect with Elizabeth on Instagram: https://instagram.com/elizabethmccravy - Connect with Mother Untitled on Instagram: https://instagram.com/motheruntitled  - Find more about Mother Untitled: https://motheruntitled.com  - Take Our Website Quiz (+ Get Free Canva Templates!): https://elizabethmccravy.com/quiz  - Join Booked Out Designer: https://elizabethmccravy.com/bod    Supercharge your email list with BDOW!. This powerful software helps you target the right visitor with the right message at the right time. Get 25% off your subscription with the code ELIZABETH for a limited time! Head to elizabethmccravy.com/BDOW to grab the deal and snag a free BDOW! template I designed just for you and start building a bigger email list, faster! Thanks to our sponsor, Christian Heathcare Ministries! CHM is a health cost-sharing ministry and is a faith-based alternative to traditional health insurance. My family LOVES using CHM for our healthcare! You'll save tons of money with CHM, and CHM shares 100% of eligible medical bills. Learn more: elizabethmccravy.com/CHM

If you've ever thought about starting a podcast—or you already have one and want to take it to the next level—this episode is for you! After hitting 300 episodes, I'm pulling back the curtain and sharing exactly what I'd do if I were launching a brand-new podcast in 2025. Spoiler: the podcasting landscape has changed A LOT since I started in 2019, and there are some big shifts you need to know about.In this episode, I'm sharing:Why niching down is more important than ever (and how to do it right)The biggest mistake new podcasters make—and how to avoid itSmart ways to monetize your show from day one (without relying on sponsors)How to decide if YouTube should be part of your podcast strategyWhy interviews alone might not be the best format for growthThe #1 thing that separates successful podcasts from the restWhether you're just starting or looking to refresh your strategy, this episode is packed with actionable tips to help you start a podcast in 2025. If you're ready to learn more, head here to join me inside Podcast Success Blueprint: https://elizabethmccravy.com/psbLinks Mentioned:- Join me inside the Podcast Success Blueprint: https://elizabethmccravy.com/psb - Grab my Free Podcast Equipment Guide: https://elizabethmccravy.com/record - Sign up for a free trial on Buzzsprout: https://elizabethmccravy.com/buzzsprout- Shop our Showit Website Templates (use code BBPODCAST for 10% off!): https://elizabethmccravy.com/showit-website-templates/  - Join me inside Booked Out Designer: https://elizabethmccravy.com/bod  - Want the insider scoop? Join my Free Facebook community: https://elizabethmccravy.com/facebook  - Connect with Elizabeth on Instagram: https://www.instagram.com/elizabethmccravy/   Supercharge your email list with BDOW!. This powerful software helps you target the right visitor with the right message at the right time. Get 25% off your subscription with the code ELIZABETH for a limited time! Head to elizabethmccravy.com/BDOW to grab the deal and snag a free BDOW! template I designed just for you and start building a bigger email list, faster! Thanks to our sponsor, Christian Heathcare Ministries! CHM is a health cost-sharing ministry and is a faith-based alternative to traditional health insurance. My family LOVES using CHM for our healthcare! You'll save tons of money with CHM, and CHM shares 100% of eligible medical bills. Learn more: elizabethmccravy.com/CHM

As the title says, WE'RE HAVING ANOTHER BABY! It's our third!

L'ancien président américain Jimmy Carter est mort dimanche 29 décembre 2024 à 100 ans. « Un Sudiste tenace », décrit le Washington Post, qui rappelle qu'il est arrivé au pouvoir, après le Watergate, avec cette promesse : « je ne vous mentirai jamais », « promesse qu'il a tenue », souligne le journal. Avant de revenir sur son « accomplissement le plus marquant », lors de son unique mandat : « les accords de Camp David entre Israël et l'Égypte ». Les journaux américains admettent d'ailleurs avoir eu tort sur Jimmy Carter. Quand il a quitté la Maison Blanche en 1981, « il était largement considéré comme un président médiocre », rappelle le Washington Post, son unique mandat ayant été marqué par des crises, comme la prise d'otage à l'ambassade de Téhéran. Le journal considère pourtant que « les réalisations de Carter ont été plus importantes et durables que celles de la plupart des présidents modernes ». Il « méritait nos remerciements et notre respect, pas nos sarcasmes », regrette un éditorialiste du New York Times. « L'Amérique a besoin de plus de Jimmy Carter », titre même le journal qui décrit « un artisan de la paix », « défenseur des sans-abri ».« Finalement, l'Amérique l'a aimé », profère Le Parisien. Le démocrate « aura vécu assez longtemps, se réjouit le journal, pour voir son image complètement réhabilitée par l'opinion. Ce n'est que justice ». De son côté, The Guardian affiche un bandeau noir sur son site et parle d'un « prophète de l'après-présidence », soulignant l'engagement de Jimmy Carter, après son mandat, pour la résolution des conflits dans le monde. Guerre en Ukraine : Kiev toujours en quête de munitionsLe Kyiv Post revient sur une « année désastreuse », concernant le soutien américain. Et déplore ces « cinq mois » où « Washington a imposé un embargo quasi absolu sur l'envoi d'armes et de munitions ». L'Ukraine a bénéficié du soutien des Occidentaux mais « parfois, ce n'était pas suffisant », rebondit Andryi Yermak. Le bras droit du président ukrainien donne une interview au quotidien français Libération, où il estime que l'armée ukrainienne doit impérativement tenir ses positions, pour faire bonne impression à l'administration Trump. « Les Américains aident les forts. Personne n'aime les losers », martèle Andryi Zermak.Le Premier ministre français à MayotteFrançois Bayrou est arrivé ce lundi 30 décembre 2024 à Mayotte, plus de deux semaines après le passage du cyclone Chido, qui a dévasté ce département français d'Outre-mer. Dans sa Une, Libération publie la photo d'un adolescent au-dessus d'un tas de tôles. « François Bayrou a intérêt à arriver avec du concret », prévient le quotidien, qui rappelle que le Premier ministre, fraîchement nommé à Matignon, avait préféré se rendre au conseil municipal de Pau plutôt qu'au chevet des Mahorais. La Croix décrit, de son côté, « un défilé ininterrompu de patients » dans l'hôpital de campagne, déployé « pour soulager l'unique centre hospitalier de l'archipel », le CHM. Ce dernier est au contraire déserté, « si vide qu'il en paraît inquiétant », remarque Le Monde. Au départ, les soignants ne pensaient pas que cet hôpital de campagne serait suffisant, mais finalement, il a bonne réputation. Le journal rapporte ce qui se murmure en ce moment à Mayotte :« On a enfin la Rolls-Royce des soins ». 

- Theo thống kê của Tổng cục du lịch Nhật Bản, từ đầu năm đến nay, số lượng du khách nước ngoài đến nước này tăng nhanh chưa từng có. Đồng thời, cơ cấu khách du lịch cũng có những thay đổi bất ngờ. Tác giả : Tuấn Nhật - TT Nhật Bản Chủ đề : VOV1,, KháchnướcngoàiđếnNhậtBản,, kháchMỹ “soán ngôi”Trung Quốc --- Support this podcast: https://podcasters.spotify.com/pod/show/vov1tintuc/support

Have you ever considered choosing a word—or a few words—to guide your business goals for the year? Not just for your personal life, but for your business. If you're craving clarity, focus, and a sense of purpose as you head into 2025, this episode is for you.Let me also just say this: I know that this idea might feel intimidating, especially if you take goal-setting seriously or worry about “getting it right.” But here's the thing: it doesn't have to be perfect to be powerful. Choosing a Word of the Year for your business is about setting an intention and letting it inspire your decisions all year long.Trust me, this is one of the most impactful strategies I've used to stay aligned with my business goals. In this episode, I'll walk you through:Why choosing a word for your business is different from your personal life—and why it matters.How to pick your word(s) without getting stuck in analysis paralysis.My words for 2023, how they shaped my year, and why I chose four words for 2024.Strategies to keep your word(s) front and center all year long (so you don't forget by February!).By the end of this episode, my hope is that you'll feel empowered to choose your own Word of the Year and use it as a compass for your business in 2025!Links Mentioned:Get the full shownotes: https://elizabethmccravy.com/298  Shop Elizabeth McCravy Templates: https://elizabethmccravy.com/shop   Starting a Podcast? Learn more about Podcast Success Blueprint: https://elizabethmccravy.com/psb  Join Booked Out Designer: https://elizabethmccravy.com/bod Grab my Profit Sheet before the new year:  https://elizabethmccravy.com/profit-sheet  Not sure what template is for you? Take the quiz: https://elizabethmccravy.com/quiz  Connect with Elizabeth on Instagram: https://instagram.com/elizabethmccravy    Supercharge your email list with BDOW!. This powerful software helps you target the right visitor with the right message at the right time. Get 25% off your subscription with the code ELIZABETH for a limited time! Head to elizabethmccravy.com/BDOW to grab the deal and snag a free BDOW! template I designed just for you and start building a bigger email list, faster! Thanks to our sponsor, Christian Heathcare Ministries! CHM is a health cost-sharing ministry and is a faith-based alternative to traditional health insurance. My family LOVES using CHM for our healthcare! You'll save tons of money with CHM, and CHM shares 100% of eligible medical bills. Learn more: elizabethmccravy.com/CHM

This week we are talking with Kaycee Owens about the candle of LOVE! This is the last candle before we celebrate the CHRIST candle on Christmas Eve! This podcast will cover both and the fun ways to celebrate the season! We have so enjoyed having you along with us for this Advent journey! Want to connect with CHM? https://choosinghimministries.org/https://choosinghimministries.org/

Today, we're going to talk all about holiday organization—keeping your sanity, staying organized, making the holidays fun, enjoyable, and filled with good memories. Basically, how you can plan for this Christmas season and avoid overwhelm.I'm sharing a few of my favorite tips when it comes to staying organized with things like gift-giving, parties, hosting, and all the different things that happen during the holiday season. And this applies whether you have kids or not! These are things I've learned over the years—being married, buying gifts for in-laws, parents, and more.Over the years, I've noticed how much more there is to manage, and these are tips that I think will help you, no matter your season of life, to make Christmas and the holiday season more enjoyable and restful.Links mentioned:Read the full shownotes (with all the links!): https://elizabethmccravy.com/297Shop Showit Website Templates: https://elizabethmccravy.com/shop  Not sure which template is right for you? Take the quiz: https://elizabethmccravy.com/quiz  Connect with Elizabeth on Instagram: https://instagram.com/elizabethmccravy  Join Podcast Success Blueprint: https://elizabethmccravy.com/psb  Join Booked Out Designer: https://elizabethmccravy.com/bod   Supercharge your email list with BDOW!. This powerful software helps you target the right visitor with the right message at the right time. Get 25% off your subscription with the code ELIZABETH for a limited time! Head to elizabethmccravy.com/BDOW to grab the deal and snag a free BDOW! template I designed just for you and start building a bigger email list, faster! Thanks to our sponsor, Christian Heathcare Ministries! CHM is a health cost-sharing ministry and is a faith-based alternative to traditional health insurance. My family LOVES using CHM for our healthcare! You'll save tons of money with CHM, and CHM shares 100% of eligible medical bills. Learn more: elizabethmccravy.com/CHM

Hey, open enrollment ends in just a few days—have you decided on a new health insurance plan yet? If not, you might not have to. What if there was another way—a biblical solution for meeting your healthcare costs? Let's explore medical cost sharing, a faith-based alternative to traditional health insurance that could save you hundreds of dollars a month.What Is Medical Cost Sharing?Medical cost sharing is a cooperative approach to healthcare expenses rooted in biblical principles. It's an alternative to traditional health insurance in which members share each other's medical costs. The concept is inspired by Galatians 6:2, “Bear one another's burdens, and so fulfill the law of Christ.”One of the pioneers in this space is Christian Healthcare Ministries (CHM), the oldest organization in the medical cost-sharing space. Since 1981, CHM has enabled members to share nearly $11 billion in medical expenses. It's a nonprofit organization that operates on biblical stewardship, focusing on members' needs rather than profits.How Does Medical Cost Sharing Work?Instead of paying insurance premiums, members contribute a monthly share amount based on the plan they choose. This amount is typically much lower than traditional insurance premiums. Here's why:Self-Pay Model: CHM members are considered “self-pay” by healthcare providers, which often reduces costs significantly.Reimbursement System: Members submit bills for covered medical services and are reimbursed from the shared pool of funds.For example, under CHM's Bronze plan, the highest annual personal responsibility cost is $6,000 per person—a potentially lower-cost option compared to the high deductibles and out-of-pocket maximums of many insurance plans in the Affordable Care Act (ACA) Marketplace.Key Advantages of Medical Cost-Sharing1. Cost SavingsCHM's nonprofit model focuses on its members rather than shareholders, allowing more resources to be allocated toward medical needs. This often makes it a more affordable option compared to traditional health insurance.2. Freedom of ChoiceUnlike traditional insurance, which often restricts members to a network of providers, medical cost-sharing has no networks. Members can visit any doctor or facility of their choice, and if the service is covered, they'll be reimbursed.3. PortabilityMedical cost sharing is portable, meaning your membership stays with you regardless of job changes or life transitions. Whether you're starting your own business or switching careers, you don't lose coverage.4. Community and PrayerBy joining CHM, you become part of a community of believers who support each other through prayer and encouragement. CHM's customer support team often prays with members, offering compassion and spiritual support during difficult times.5. Lower Overhead and Greater ControlCHM's lower administrative costs translate into lower costs for members. Additionally, with no insurance company acting as a middleman, members work directly with medical providers to set up treatment plans and payment arrangements.Why Consider Medical Cost Sharing?Health insurance companies can be a blessing, especially for catastrophic illnesses, but they're also large bureaucracies heavily regulated by the government. Medical cost sharing avoids many of these challenges, offering a simpler, more faith-focused approach to healthcare.If you've already signed up for health insurance for 2025 but are now considering medical cost sharing, you may still be able to cancel your insurance without penalty.To explore how medical cost sharing can be a biblical solution to healthcare costs, visit CHMinistries.org. You'll find detailed information about plans, benefits, and how to join this faith-based community. Don't miss this opportunity to align your healthcare decisions with your values.On Today's Program, Rob Answers Listener Questions:My husband and I are purchasing term life insurance, and the question has come up—do we make each other the primary beneficiary, with our children as the contingent beneficiaries? We have a blended family, and three of our kids are already grown; two are married, while three are still in the house and getting ready to launch into the world as teenagers.I want some information on savings bonds. I have been to my bank and called my credit union, but neither one deals in savings bonds. I've got a grandson who's turning one, and I thought that might be a good birthday present for him in the future. But I just don't know where to go or what to do to purchase savings bonds for him.We recently sold our house for a good profit, and we're wondering how to tithe on it. Do we tithe on the full amount we received or only on what goes above the initial price and interest we paid?I have a 401(k), and I'd like to know how I can invest according to my values and the available options. The only options seem to be big companies that I'd rather not invest in. Do you have any suggestions?I was thinking of buying these two single-family homes. They're both $150,000 each. I have a property that's worth about $800,000. What are the implications of selling the multi-level property and buying the two single-family homes? Is there something I need to know besides the standard closing costs? The multi-level property is mortgage-free, with nothing owed on it.I bought a car years ago. I still owe about $5,500 on it, with a minimum monthly payment of $185. However, the car is starting to nickel and dime me on the cost of maintenance. The bank owns the title. What are my options here?Resources Mentioned:Christian Healthcare Ministries (CHM)SavingForCollege.comTreasuryDirect.govLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

In this episode, I discuss the four main pillars of CHM identity as presented by Rodney Loper. The apparent question is whether these pillars are too broad to accurately define the CHM. I consider possible motives Loper may have had in establishing these broad pillars. Rodney Loper: Four Main Pillars of the CHM https://www.youtube.com/live/ZKTf2KSZxrg?si=fqp2XpyPEk5OjDM- Brian Black: Holiness Heritage https://www.amazon.com/Holiness-Heritage-Tracing-History-Movement/dp/B0CR81V79Q Wallace Thornton: Radical Righteousness https://www.wesleyanbooks.com/mm5/merchant.mvc?Screen=PROD&St,%20ore_Code=WB&Product_Code=3727&Category_Code= myjourneybacktogod@gmail.com

Welcome to this year's Christmas episode! This isn't a business-related podcast today—it's a fun, friend-to-friend chat with plenty of practical ideas to help you enjoy the Christmas holiday season. We're talking about Christmas tradition ideas, both with and without kids, and specifically ways to bring God more into the season. I've got seven tradition ideas to share, and I'll talk about each one based on things like how old your kids are or whether you have kids at all. For context, I have two kids, and my oldest is almost three and a half, so that's the age range I have in mind for some of these. But many of them work really well for older kids or even just for you and your whole family. This episode is filled with inspiration for making the holiday season more intentional, joyful, and Christ-centered. Whether you're a parent, a couple, or celebrating solo, you'll find ideas to bring new life to your Christmas traditions.Links mentioned: Read the full shownotes (with all the links!): https://elizabethmccravy.com/296 Shop Showit Website Templates: https://elizabethmccravy.com/shop Not sure which template is right for you? Take the quiz: https://elizabethmccravy.com/quiz Connect with Elizabeth on Instagram: https://instagram.com/elizabethmccravy Join Booked Out Designer: https://elizabethmccravy.com/bod Join Podcast Success Blueprint: https://elizabethmccravy.com/psb  Supercharge your email list with BDOW!. This powerful software helps you target the right visitor with the right message at the right time. Get 25% off your subscription with the code ELIZABETH for a limited time! Head to elizabethmccravy.com/BDOW to grab the deal and snag a free BDOW! template I designed just for you and start building a bigger email list, faster! Thanks to our sponsor, Christian Heathcare Ministries! CHM is a health cost-sharing ministry and is a faith-based alternative to traditional health insurance. My family LOVES using CHM for our healthcare! You'll save tons of money with CHM, and CHM shares 100% of eligible medical bills. Learn more: elizabethmccravy.com/CHM

This week's episode is all about the routines and habits that help me manage my business while keeping up with life as a busy mom of two little ones. If you've ever felt like there's not enough time in the day to get it all done, you're not alone. Trust me, I've been there—and I've had to figure out how to make my limited work hours as productive as possible.In this episode, I'm pulling back the curtain on how I structure my workdays, stay focused, and keep my business working, even with young kids at home. I'm sharing six routines and habits that work for me right now, in this season of life.If this sounds like what you need, grab a coffee, settle in, and hit play! And don't forget—if you're listening live, my Black Friday sale is happening right now, so make sure to check out the details before it's over: https://elizabethmccravy.com/bfLinks mentioned: Read the full show notes: https://elizabethmccravy.com/295 Shop Black Friday: https://elizabethmccravy.com/bf Tune into the Risen Motherhood podcast: https://www.risenmotherhood.com/podcast-episodes/ep-157-the-little-years-are-not-the-lost-yearsTake my Showit template quiz (and get free Canva templates!): https://elizabethmccravy.com/quiz  Connect on Instagram: https://www.instagram.com/elizabethmccravy/   Shop Showit templates: https://elizabethmccravy.com/shop Join me inside Booked Out Designer: https://elizabethmccravy.com/bod Sign up for Podcast Success Blueprint: https://elizabethmccravy.com/psb   BLACK FRIDAY 2024 IS HERE! Save up to 38% off + shop 4 new add on templates! Templates, courses, and .... well, everything is on sale. Shop now at elizabethmccravy.com/BF! The sale ends on 12/3! Thanks to our sponsor, Christian Heathcare Ministries! CHM is a health cost-sharing ministry and is a faith-based alternative to traditional health insurance. My family LOVES using CHM for our healthcare! You'll save tons of money with CHM, and CHM shares 100% of eligible medical bills. Learn more: elizabethmccravy.com/CHM

In this episode of Beyond the Vow, Nick and Janelle discuss the deprogramming period after leaving the CHM. New (non-CHM) churches can feel strange, and we may feel guilt and loneliness. How do we adjust and how long does it take?

Listeners, we are so excited you are on this Advent journey with us! We will be releasing episodes every Monday from today until Christmas. Each episode is for the following week to give you time to prepare! Also, be sure to subscribe to CHM so you can get alerts when our Advent blogs are sent! We would also love to hear from you about how your Advent celebration is coming along! You can reach us at: podcasts@choosinghimministries.org

Giving Tuesday is December 3rd and CHM is asking for you to prayerfully consider giving to our non-profit! This podcast will walk you through what your donations are going towards! It has been exciting to see how much God has grown our ability to give back to our community over the past year and it's because of our many generous donors!   Want to donate to CHM? https://choosinghimministries.org/support-us/

This Christmas season, CHM is excited to partner with Kaycee Owens as she walks us through Advent: what it means and how we can celebrate it with our families! This will be a four part series that will break down how we can celebrate Christmas with anticipation of Jesus's birth! We are so excited about this because although we know about Advent, it can be a little overwhelming to know how to celebrate it! This week's episode will be an overview of Advent, it's historical importance and how Kaycee and CHM will walk along side of our listeners who want to celebrate Advent! We will have tons of resources and links to help this be an easy way to express our excitement over God's greatest gift to us!

In this episode of the Roam In Your Home Podcast, we're continuing our month of Thanksgiving with a heartfelt story about why we're incredibly thankful for our unconventional healthcare solution, Christian Healthcare Ministries (CHM).If you're a full-time RVer, you know how challenging it can be to find health coverage that works for our mobile lifestyle. Today, I'm sharing two personal stories—one from 2021 when my husband Randy had an emergency appendectomy and one from just last week when he faced a kidney stone emergency. In both situations, CHM stepped in and gave us peace of mind by covering every penny of our medical bills.We'll explore why CHM is such a fantastic fit for RVers, how it works, and how it has saved us tens of thousands of dollars over the years. If you've ever worried about staying healthy and financially secure while traveling full-time, this episode is a must-listen.What You'll Hear in This Episode:Why traditional health insurance doesn't always work for full-time RVersHow we discovered Christian Healthcare Ministries and why it seemed "too good to be true"Our experience with CHM during Randy's emergency appendectomy and hospital staysHow CHM came through again last week during a kidney stone emergencyThe peace of mind that CHM provides for RVers like usHow you can learn more about CHM and decide if it's right for youResources Mentioned in This Episode:Find out if Christian Healthcare Ministries is right for you!Interested in signing up? Use my affiliate link to support the podcast: roaminyourhome.com/chmJoin the Conversation: Have you tried an unconventional healthcare solution as a full-time RVer? I'd love to hear your story! Reach out on Instagram at @RoamInYourHome.Support the Podcast: If you found this episode helpful, please share it with a fellow RVer who might be struggling with healthcare options. Don't forget to leave a review on your favorite podcast platform—it helps others discover the show!Follow Us:Instagram: https://instagram.com/roaminyourhomeFacebook: https://www.facebook.com/roaminyourhomeYouTube: https://www.youtube.com/roaminyourhomeThank you so much for listening to this podcast! If you liked this episode, we'd love it if you would subscribe and follow. If you know someone else who would also enjoy this podcast, please share it. Also, consider rating our show and leaving us a review. It helps us grow and would mean the world to us.Music from Uppbeat (free for Creators!):https://uppbeat.io/t/andrey-rossi/seize-the-dayhttps://uppbeat.io/t/all-good-folks/when-we-get-thereIf you missed any episodes, you can also listen to all our podcasts on our website at roaminyourhome.com/podcast

In this episode, I'm sharing three things you need to do BEFORE you buy a Showit website template—perfect if you're just starting out or if you're considering a rebrand. As a website designer who's worked with countless clients and sold thousands of templates, I know how exciting (and sometimes overwhelming!) the process can be. My goal today is to give you a few key pieces of advice that'll make your template journey smoother and help set you up for success.Make sure to listen until the end because I'm also rapid-fire style sharing 7 things that I think you should look for in a template too! Great if you're planning on shopping for a Showit Website Template on Black Friday!Episodes mentioned: Read the full shownotes: https://elizabethmccravy.com/293 Get on the waitlist for my Black Friday launch: https://elizabethmccravy.com/bf Grab my free guide to naming your business (recently updated!): https://elizabethmccravy.com/name Episode 192: How to Use Paid Stock Photography to Completely Up Level Your BrandEpisode 50: 8 Mistakes to Avoid When Naming Your Business, Course, or ProgramEpisode 242: 3 SEO mistakes your website template might be guilty of without you realizing itEpisode 201: SEO for Showit Hacks: Optimize Your Site to Be Found in 2023 with Sara DunnConnect on Instagram: https://www.instagram.com/elizabethmccravy/  Shop Showit templates: https://elizabethmccravy.com/shop  My biggest sale of the year is coming soon! Mark your calendars for 11/22/2024 for Black Friday! This sitewide sale includes my website templates and courses PLUS I'm launching 4 new add-on templates you won't want to miss. Join the waitlist for info + to shop a little early at elizabethmccravy.com/BF!   Thanks to our sponsor, Christian Heathcare Ministries! CHM is a health cost-sharing ministry and is a faith-based alternative to traditional health insurance. My family LOVES using CHM for our healthcare! You'll save tons of money with CHM, and CHM shares 100% of eligible medical bills. Learn more: elizabethmccravy.com/CHMMy biggest sale of the year is coming soon! Mark your calendars for 11/22/2024 for Black Friday! This sitewide sale includes my website templates and courses PLUS I'm launching 4 new add-on templates you won't want to miss. Join the waitlist for info + to shop a little early at elizabethmccravy.com/BF! Thanks to our sponsor, Christian Heathcare Ministries! CHM is a health cost-sharing ministry and is a faith-based alternative to traditional health insurance. My family LOVES using CHM for our healthcare! You'll save tons of money with CHM, and CHM shares 100% of eligible medical bills. Learn more: elizabethmccravy.com/CHM

Have you ever struggled with head knowledge over heart knowledge? Or struggled to follow God's law when it's all you've known your whole life? Laura Bailey can relate and CHM had the honor of getting to know her and her faith journey! This week, Andra had the opportunity to sit down with Laura Bailey! Laura is a Bible teacher who is passionate about helping women understand what they believe, why it matters, and apply God's Word to their lives. She is dropping her new book on Ecclesiastes tomorrow (Embracing Eternity in the Here and Now) and Act 2 is getting a scoop on what it's about and how it can give us hope in certain season of our lives. Want to order a book or learn more about Laura? Website https://laurarbailey.com Amazon: Embracing Eternity in the Here and Now

Today, I brought on Rebecca Schor from Mama in Biz, and we're talking about some of the shifts and changes that come when becoming a mom who already has a business and is trying to fit motherhood and business together. If you're a first time mom, expecting mom, or a mom to just one little who's trying to figure out how to make business work with your new role as a mom, then this episode is for you. Rebecca shares some fundamental reminders about business productivity and motherhood that we often hear, but we don't actually implement. And so this is your encouragement to really do and implement the things we're talking about here today, because I do believe you'll see big results in your life and business when you do.Links MentionedRead the full shownotes: https://elizabethmccravy.com/292 Connect with Elizabeth on Instagram: https://instagram.com/elizabethmccravy  Follow Rebecca On Instagram: https://www.instagram.com/mamainbiz Head to Rebecca's website : https://mamainbiz.co Shop Elizabeth McCravy Templates: https://elizabethmccravy.com/shopNot Sure Which Template is Right For You? Take the Quiz: https://elizabethmccravy.com/quiz   Thanks to our sponsor, Christian Heathcare Ministries! CHM is a health cost-sharing ministry and is a faith-based alternative to traditional health insurance. My family LOVES using CHM for our healthcare! You'll save tons of money with CHM, and CHM shares 100% of eligible medical bills. Learn more: elizabethmccravy.com/CHM

It's nearing Black Friday time and whether you're planning on doing a sale for YOUR business, or are planning to just simply promote other people's products as an affiliate this year, this episode is for YOU. I've been doing Black Friday promotions since 2019 (since right after I launched my template shop!). Even though my sales have evolved over the years, it's always been a big week in my business! To give you some perspective, I've had Black Fridays that have:Made over $200,000 (over the 5 years within that one week period)Ran Black Friday WITHOUT ads, so that's mostly profitBeen done without a huge teamPLUS, I have also enjoyed Thanksgiving every yearI think these tips are really going to help you whether you're a first-time Black Friday sales person or you've done this many times before like me and you want some fresh thoughts/tips to make things better!Links mentioned: Read the full shownotes: https://elizabethmccravy.com/290Grab my launch debrief template: https://elizabethmccravy.com/debriefGet on the waitlist for my Black Friday launch: https://elizabethmccravy.com/bfConnect on Instagram: https://www.instagram.com/elizabethmccravy/ Shop Showit templates: https://elizabethmccravy.com/shop Not sure which template is right for you?! Take the quiz: https://elizabethmccravy.com/quiz Join Booked Out Designer: https://elizabethmccravy.com/bod Join our FREE Facebook Group: https://elizabethmccravy.com/facebook  Thanks to our sponsor, Christian Heathcare Ministries! CHM is a health cost-sharing ministry and is a faith-based alternative to traditional health insurance. My family LOVES using CHM for our healthcare! You'll save tons of money with CHM, and CHM shares 100% of eligible medical bills. Learn more: elizabethmccravy.com/CHM

If you think there's only one way to pay for healthcare, maybe it's time to think outside the box of health insurance.Of course, health insurance is a great thing to have, but is it necessarily the best way to pay for healthcare costs? Lauren Gajdek joins us today to discuss medical cost sharing and how it might be a better option.Lauren Gajdek is the Vice President of Communications and Media at Christian Healthcare Ministries, an underwriter of Faith & Finance. What Are People Looking for in Healthcare?Many people are searching for options beyond traditional health insurance. CHM members often seek three key elements:Freedom to Choose Providers: Members value the ability to select their healthcare providers, especially those they trust, without being restricted by a network.Faith-Aligned Solutions: They want a healthcare solution that aligns with their Christian beliefs, which can be hard to find in conventional insurance plans.Lower Costs: Cost is a major factor, and many people are looking for more affordable ways to manage their medical expenses.CHM meets these needs by offering a healthcare solution that allows members to choose their providers and emphasizes a biblical approach to sharing medical expenses.Flexibility in Choosing ProvidersOne significant difference with CHM is that it does not restrict members to a specific network of providers. This freedom is especially valuable in emergencies or when traveling, allowing members to access care without worrying about whether a provider is “in-network.” While they can assist members in finding cost-effective providers for planned procedures, the final choice remains with the member, offering a level of autonomy that traditional insurance often lacks.How Does Medical Cost Sharing Work?Medical cost sharing through CHM allows members greater control over their healthcare decisions. Unlike traditional insurance, no pre-approvals are required. If a medical expense falls within their guidelines, it becomes eligible for sharing among the membership. This means that decisions about care are made by the doctor and the patient without the bureaucracy typically associated with insurance.Why Is CHM More Affordable?CHM is often more cost effective than traditional health insurance due to its unique structure:Self-Pay Discounts: Members can request self-pay discounts, significantly reducing medical costs. Because it operates as a nonprofit ministry rather than an insurance company, these discounts are a vital part of its strategy to lower costs.Strong Provider Relationships: With over 40 years of experience, CHM has built relationships with healthcare providers, allowing them to negotiate better rates for services behind the scenes.The Importance of a Faith-Based ApproachCHM's foundation as a Christian ministry is central to its identity. The organization's mission is rooted in biblical principles, emphasizing the importance of sharing each other's medical burdens. This focus on community and mutual support makes them unique in healthcare solutions. It is a reminder that ministry comes first.CHM offers a flexible, faith-based alternative for managing healthcare costs, making it appealing to many believers. To learn more about how medical cost-sharing works or explore their services, visit chministries.org/faith.On Today's Program, Rob Answers Listener Questions:I have a two-flat apartment building that's worth $700,000. We were offered to sell it, and we're looking at another apartment building in another area for $625,000. I wanted to know what it would cost me to sell mine for $700,000 and buy the other for $625,000. I've never sold a building, so I am still determining what to expect.My son struggles to pay the bills for his business, and he's taken out several payday loans to make ends meet. He needs to connect with someone who can give him business financial guidance or possibly look into debt consolidation. Do you have any suggestions?I'm selling a home and would like to know where to start with everything. I know I need an emergency fund and want to help the children. I also want to put money into another home I'm going into. I don't know where to start with all of this, as it's all new for me since my husband passed away.I've been told there's a way to get a free credit report. I understand the government requires it, but I'm uncomfortable using the internet. Please tell me how I can get my free credit report.Resources Mentioned:Christian Healthcare Ministries (CHM)Wise Women Managing Money: Expert Advice on Debt, Wealth, Budgeting, and More by Miriam Neff and Valerie Neff Hogan, JD.AnnualCreditReport.comLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

This week Tecia and Andra talk about the benefits of the Healing Hearts Workshop that is taught at CHM's Biblical Counseling Center! A new class is beginning next week, so listen to see if this is something you would like to be a part of! Want to sign up? Healing Hearts Workshops

In this episode, I'm chatting with Davey Jones, co-founder of Davey and Krista, Till Agency, and now the CEO behind BDOW!, a powerful form and popup tool formerly known as Sumo. You've likely heard that email marketing is profitable, but there's always a lot of resistance around actually growing your email list. This conversation was not like that!In fact, Davey shares things like how you can optimize your website to turn visitors into subscribers, using smart tactics like popups and advanced targeting to capture leads right when they're ready to engage. Whether you're just starting to build your email list or looking to take your strategy to the next level, this episode is packed with actionable tips to help you.Here's a snapshot of what we cover:Davey's journey from running multiple businesses to leading BDOW!What makes BDOW! different from traditional email marketing toolsHow to use things like targeting rules, AB testing, and popup personalization to grow your email list fasterThe key to creating lead magnets people want to downloadCommon mistakes businesses make in lead generationAnd truly so much more! Davey is definitely an expert at marketing and he shared so many great email marketing tips in this episode. This episode is a must-listen!Links MentionedRead the full shownotes: https://elizabethmccravy.com/288 Watch the Episode on Youtube: https://youtu.be/2ujKb7b-SQA Enter The Giveaway On Instagram:  https://instagram.com/elizabethmccravConnect with Elizabeth on Instagram: https://instagram.com/elizabethmccravy  Follow BDOW! On Instagram: https://www.instagram.com/bdowleads Check Out BDOW! (use code ELIZABETH for 20% off): https://elizabethmccravy.com/bdowShop Elizabeth McCravy Templates: https://elizabethmccravy.com/shopNot Sure Which Template is Right For You? Take the Quiz: https://elizabethmccravy.com/quiz   Thanks to our sponsor, Christian Heathcare Ministries! CHM is a health cost-sharing ministry and is a faith-based alternative to traditional health insurance. My family LOVES using CHM for our healthcare! You'll save tons of money with CHM, and CHM shares 100% of eligible medical bills. Learn more: elizabethmccravy.com/CHM

Maybe you are a stay-at-home mom, and you want to start a business. Maybe it relates to the career you had prior to motherhood, or maybe it's a completely new idea. Whatever it is, you want to create something new. Maybe it's to contribute financially to your family, maybe it's because you want something that's “just yours” and the adventure of business sounds fun/exciting to you, or maybe it's for so many reasons that you can't even pinpoint them exactly, you just know you're feeling called to this, passionate about this, and you have capacity to add something else to your plate. If that's you, this episode is for you. I'm sharing four pieces of advice I'd give the stay-at-home mom who wants to start a part-time business.Links Mentioned: Read for the full shownotes: https://elizabethmccravy.com/287Tune into episode #271 about niching down next: https://elizabethmccravy.com/271 Shop Showit Website Templates: https://elizabethmccravy.com/shop Not sure which template is right for you? Take the quiz: https://elizabethmccravy.com/quiz Connect with Elizabeth on Instagram: https://instagram.com/elizabethmccravy Join Booked Out Designer: https://elizabethmccravy.com/bod Join Podcast Success Blueprint: https://elizabethmccravy.com/psb  Thanks to our sponsor, Christian Heathcare Ministries! CHM is a health cost-sharing ministry and is a faith-based alternative to traditional health insurance. My family LOVES using CHM for our healthcare! You'll save tons of money with CHM, and CHM shares 100% of eligible medical bills. Learn more: elizabethmccravy.com/CHM

No matter where you are in your business journey, you need to hear this. I'm chatting with Maggie Patterson, who is absolutely incredible as you're about to get to hear. She's the editorial director at Scoop Studios and she's the creator of BS Free business. She's an advocate for humane business practices, rooted in respect, empathy, and trust. And she is someone who's really trying to change the way we have been taught to run our businesses and the way we've been taught to market for the better. In this episode, we talk about: What online business has in common with cults, MLMs and self-help cultureScammy online business practices to watch out for both from a consumer standpointHow you can better market your business without hopping on these “trends”What luxury lifestyle marketing is and why it worksThe problem with super expensive coaching and mastermindsThe evolution of online business over the last decadeYou're going to love this conversation as much as I did. It's jam-packed, so let's dive in!Links Mentioned:- Read the full shownotes: https://elizabethmccravy.com/286   - Connect with Elizabeth on Instagram: https://instagram.com/elizabethmccravy  - Check out Maggie Patterson's Website: https://bsfreebusiness.com/ - Follow Maggie on Instagram: https://www.instagram.com/bsfreebusiness - Take Our Website Quiz (+ Get Free Canva Templates!): https://elizabethmccravy.com/quiz   - Join Booked Out Designer: https://elizabethmccravy.com/bod    - Join Podcast Sucess Blueprint: https://elizabethmccravy.com/psb  Thanks to our sponsor, Christian Heathcare Ministries! CHM is a health cost-sharing ministry and is a faith-based alternative to traditional health insurance. My family LOVES using CHM for our healthcare! You'll save tons of money with CHM, and CHM shares 100% of eligible medical bills. Learn more: elizabethmccravy.com/CHM

In this episode, I am joined again by Glen Asbury for Part 2 of a discussion on the development of the CHM through the lens of Wallace Thornton in his book Radical Righteousness Personal Ethics and the Development of the Holiness Movement. Have feedback or thoughts? Please reach out. myjourneybacktogod@gmail.com Links to content mentioned in this episode. Radical Righteousness by Wallace Thornton: ⁠https://www.wesleyanbooks.com/mm5/merchant.mvc?Screen=PROD&Store_Code=WB&Product_Code=3727&Category_Code=⁠ Rodney Loper - Four Pillars of the CHM: ⁠https://www.youtube.com/live/ZKTf2KSZxrg?si=y9srqViE5FnkVW10⁠ The Call: Essays to the Conservative Holiness Movement by Mike Avery and Larry Smith: ⁠https://shop.gbs.edu/product/the-call/⁠ Crucible for Conservatives by H.E. Schmul: ⁠https://holyjoys.org/schmul-crucible-conservatives/⁠ CHM's Fork in the Road by Keith Drury: ⁠http://www.drurywriting.com/keith/Chm_cHm.htm

Does booking clients feel slow for you right now? Are you getting ghosted by potential clients? Maybe you have even thought to yourself, “Man, they seemed so interested, but I never heard back from them.” If you're nodding your head right now, that this episode is for you. I'm teaching you a simple but powerful way to stay top of mind and book more clients that most business owners just completely skip over. This booking strategy is simple but strategic and honestly? Pretty easy to set up too. Plus, I'm going to give you an EXACT template to use in all the things. So if you're a service business provider and you feel like the ball is getting dropped between the inquiry and someone booking or you keep getting ghosted, this is for you. Let's get into it! Links Mentioned:Grab your FREE Dubsado Templates: https://elizabethmccravy.com/canned  Shop Showit Website Templates: https://elizabethmccravy.com/shop Not sure which template is right for you? Take the quiz: https://elizabethmccravy.com/quiz Connect with Elizabeth on Instagram: https://instagram.com/elizabethmccravy Join Booked Out Designer: https://elizabethmccravy.com/bod Join Podcast Success Blueprint: https://elizabethmccravy.com/psb  Thanks to our sponsor, Christian Heathcare Ministries! CHM is a health cost-sharing ministry and is a faith-based alternative to traditional health insurance. My family LOVES using CHM for our healthcare! You'll save tons of money with CHM, and CHM shares 100% of eligible medical bills. Learn more: elizabethmccravy.com/CHM

In this episode, I am joined by Glen Asbury to discuss the development of the CHM through the lens of Wallace Thornton in his book Radical Righteousness Personal Ethics and the Development of the Holiness Movement. Have feedback or thoughts? Please reach out. myjourneybacktogod@gmail.com Links to content mentioned in this episode. Radical Righteousness by Wallace Thornton: https://www.wesleyanbooks.com/mm5/merchant.mvc?Screen=PROD&Store_Code=WB&Product_Code=3727&Category_Code= Rodney Loper - Four Pillars of the CHM: https://www.youtube.com/live/ZKTf2KSZxrg?si=y9srqViE5FnkVW10 The Call: Essays to the Conservative Holiness Movement by Mike Avery and Larry Smith: https://shop.gbs.edu/product/the-call/ Crucible for Conservatives by H.E. Schmul: https://holyjoys.org/schmul-crucible-conservatives/ CHM's Fork in the Road by Keith Drury: http://www.drurywriting.com/keith/Chm_cHm.htm

Last week, I shared all about how I just redesigned my whole Showit website from scratch after years of having the same design. And today? I'm sharing six things I learned from designing for myself that you can apply to your own business, whether you're customizing a website template (like one of the ones in my template shop!), or if you're simply updating your current website every now and then.My hope is that tips will help you even as a non-designer. These lessons are fresh because I literally just launched as I'm recording this (the site went live yesterday as the time I recorded this). These are things that I learned in real time that you can apply to your business. Let's dive in!Links mentioned:Read the shownotes: https://elizabethmccravy.com/283 Shop Elizabeth McCravy Templates: https://elizabethmccravy.com/shopJoin Booked Out Designer: https://elizabethmccravy.com/bod Join Podcast Success Blueprint: https://elizabethmccravy.com/psb   Not sure what template is for you? Take the quiz: https://elizabethmccravy.com/quiz  Connect with Elizabeth on Instagram: https://instagram.com/elizabethmccravy Take the Website Personality Quiz at https://elizabethmccravy.com/quiz to get your FREE Canva templates, 10% off of your website template, a free month of Showit, and a full brand profile for your business! Thanks to our sponsor, Christian Heathcare Ministries! CHM is a health cost-sharing ministry and is a faith-based alternative to traditional health insurance. My family LOVES using CHM for our healthcare! You'll save tons of money with CHM, and CHM shares 100% of eligible medical bills. Learn more: elizabethmccravy.com/CHM

Tecia is with us this week!! Join her as she talks about her sweet time with the Lord and how sometimes it's so important to be refreshed by "coming home" to Jesus! Want more information about CHM or the Gathering? Subscribe to CHM for emailed updates! (we don't share your information!) Register for The Gathering on October 17th

I have a brand new website and a new brand for my business, and it's finally live! I'm talking about new fonts, colors, patterns, logos, and a completely new website that I started completely from scratch. This business rebrand has been in the works since LAST October, and so we've been working on it for almost a year (and I've been dreaming of sharing it with you ever since!). I'm going to share:Exactly why I chose to rebrand my businessMy experience working with a branding agency (as a designer myself!)Design decisions we made for the brand (and the why behind those decisions)The process we went through (including the nitty gritty of working to redesign and reimagine 100+ pages of my giant website from the ground up).To celebrate the launch of my new website, I'm also having a sale (on EVERYTHING). For a limited time, until September 3rd, grab some seriously stunning website templates at a sweet discount (25% off!), or snag one of my signature courses (Booked Out Designer or Podcast Success Blueprint) for 15% off. Plus, everyone who makes a purchase is going to get one of my Launch Debrief Template absolutely free! Get all the details here: https://elizabethmccravy.com/website-launch-sale Links Mentioned:Get the full shownotes: https://elizabethmccravy.com/282 Shop the website launch sale: https://elizabethmccravy.com/website-launch-sale Sign up for Podcast Success Blueprint: https://elizabethmccravy.com/psb Join me inside Booked Out Designer: https://elizabethmccravy.com/bod Shop Elizabeth McCravy Templates: https://elizabethmccravy.com/shop Not sure what template is for you? Take the quiz: https://elizabethmccravy.com/quiz Connect with Elizabeth on Instagram: https://instagram.com/elizabethmccravy Join Booked Out Designer: https://elizabethmccravy.com/bod  Thanks to our sponsor, Christian Heathcare Ministries! CHM is a health cost-sharing ministry and is a faith-based alternative to traditional health insurance. My family LOVES using CHM for our healthcare! You'll save tons of money with CHM, and CHM shares 100% of eligible medical bills. Learn more: elizabethmccravy.com/CHM

LIVE from VCF West 2024, my talk on edge notched cards! Since this is a live recording from an auditorium the audio is a little boomy, so be warned. Actually, I'm pretty sure this is the same space that CHM uses for some of their oral histories. What I have today is just the audio component. VCF will be posting a full video eventually, which I'll be sure to pass around.

This week we talk with Rhilyn Bowman as she discusses grief, depression and how God showed up during her darkest moments. Whatever dark valley you are walking through, Rhilyn's testimony will encourage you to seek God in the darkness. Are you struggling and need help? CHM's Biblical Counseling Having suicidal thoughts or need to talk to someone right now? Text or call 988

“I praise you, for I am fearfully and wonderfully made. Wonderful are your works; my soul knows it very well.” - Psalm 139:14God made each of us in His image, yet unique in our own way. We have different abilities to serve the Kingdom and different needs. For example, our healthcare needs differ. We'll talk with Lauren Gajdek today about a great way to help you pay your individual healthcare costs.Lauren Gajdek is the Vice President of Communications and Media at Christian Healthcare Ministries, an underwriter of Faith & Finance. Christian Healthcare Ministries for Every ChristianChristian Health Care Ministries, or CHM, is for every Christian, regardless of where you live in the country or your denominational background. It's the body of Christ coming together to share each other's health care costs. Their common bond is the love we all have for God and the salvation we have through Jesus Christ.Healthcare needs differ and change over time. Whether you're a single person, a married couple, a younger or older married couple, have kids at home, or are an entrepreneur starting a business, CHM can go with you wherever you go. Even as you prepare for retirement, CHM can be a great solution for you.CHM Program OptionsLet's dive into the options available for different life stages:Bronze, $92 per unit, per month Silver, $138 per unit, per monthGold, $240 per unit, per monthSenior Share, $115 per unit, per monthYou can change your program and even have different family members on different programs, offering a lot of flexibility.The Sense of Belonging with CHMCHM is a Christian organization and a ministry first and foremost. They talk to people every day going through very difficult times, and participating in this program means receiving prayer and encouragement when you need it most. As 1 Corinthians 12:27 says: "You are the body of Christ, and each one of you is a part of it."Medigap and Medicare Advantage with Senior ShareCHM will also help with costs that Medicare doesn't cover. They do require Medicare enrollment if you're of the proper age, but if there's a gap in coverage, CHM can step in and help pick up those additional costs.If you want to learn more about Christian Healthcare Ministries (CHM), you can visit CHMinistries.org/FaithFi.On Today's Program, Rob Answers Listener Questions:I'm concerned that a mass transfer to cryptocurrency could affect credit, interest payments, and the US dollar. I recently received an inheritance, and I'm worried about how this could impact the growth of my money. Should I look into alternatives like gold instead of keeping my money invested?My wife and I inherited an IRA from my mother, who passed away from COVID. I started with about $215,000 in the account, which has now grown to around $235,000. With all the market volatility, I'm feeling a bit nervous about it. We also recently built a house with a mortgage of around $230,000 at an interest rate of 2.85%. I'm trying to decide whether to use some of the IRA money to pay off the mortgage or keep the IRA invested and let it grow over the next ten years before withdrawing it. What would be the best financial decision for my wife and me?I recently received some Walmart stock, about $5,200 worth, as part of an inheritance from my sister. The attorney sent me the cash. How do I report this on my taxes? Does the attorney need to send me a 1099, or do I just need to report the $5,200 I received? I usually file my taxes, but I want to ensure I handle this inheritance properly.Resources Mentioned:Christian Healthcare Ministries (CHM)Rich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

2:12 - Why she became a self-pay patient after two medical bankruptcies. 9:22 - How to navigate self-pay by removing fear-based thinking (I must have health insurance) and negotiate with every single healthcare service you pay for. 11:02 - The freedom that comes with leaving health insurance behind and embracing self pay.11:58 - How hospital foundations and patient pay advocates have emerged to embrace (somewhat) self-pay.12:49 - As a high earner, she does not use these foundations, but negotiates to pay her bill. She's also a member of Christian Healthcare Ministries (CHM),  a health cost sharing ministry. 13:20 - How CHM works - you become a member, pay a monthly fee. When a healthcare episode arises, you access CHM to get your healthcare bills paid, or shared. 15:14 - Sloane details the self-pay patient journey, how self-pay doesn't trickle through to all areas of the healthcare industry, and how to educate each sector about self-pay.22:50 - How to ask for the self-pay rate as a patient.25:00 - Where Sloane negotiated for care from one provider that was 75% less than what another provider quoted. 26:35 - How physicians are fairly  knowledgeable about self pay, but those in their business offices are not. They are trained to work with insurance. She packs her "patience and grace" to ask them to do something that is unusual. 29:25 - Tom pivots the conversation to how Sloan copes with a diagnosis of a terminal illness (at age 23). She doesn't let it define her, and looks at her condition as a chronic illness. 30:23 - How Sloane and Tom agree that it is the dying person's responsibility to prepare the living  for their own death. 34:14 - Why doctors ignore DNRs (hint: it has to do with litigation). 35:10 - Tom laments that modern Stoics don't talk suicide the way the original Stoics did - it is the last vestige of our wills. 37:50 - Sloane shares her grandmother's advice about friendship: you really only need 6 friends in life; 3 on one side of the casket, and 3 on the other. 38:10 - The extreme rarity of having one really close friend. 40:00 - Shifting to business, how she found herself in Nashville's health tech scene. Pre-pandemic, it was crowded, healthy and vibrant. Backed by Nashville and nationwide private equity and venture capital firms, and also supported by local institutions like the Nashville Entrepreneur Center, Nashville Healthcare Council, local family funds, and others, founders were getting a lot of support. 41:13 - When founder-led companies become responsible for creating shareholder value. The trajectory to create shareholder value is a big change, and she learned how sales and marketing played such a significant role in creating that value. 42:35 - Creation of her secret sauce: the strategy/methodology/execution of marketing to build to exit, and understanding how to make quick pivots as needed. 44:02 - What healthcare doesn't talk about post-pandemic: the rise in chronic disease, chronic care. Fortunately, many tech companies have come forward to begin to address this issue, but the exits are not as speedy as they once were.45:29 - The role of a strategic story in an exit, and how your fly paper is still whether or not you created shareholder value. But healthcare needs to re-think intellectual property.47:00 - The other way to re-frame and look at shareholder value: the customer relationships you create. If you can own a swim lane in the market, and really own it well, that has enormous value. 48:16 - How mergers often destroy value by devaluing the brand and the culture. 51:24 - Who shaped her marketing philosophy, Marty Neumeier, who was Steve Jobs' brand mentor. She believes, as Marty maintains, that a brand isn't what you say it is, it's what your customer says it is. 54:17 - How she loves founder-led companies, and how she gets so much more out of it than what she put into it. Her emotional paycheck gets cashed every time she sees someone get a check they never thought they would get.      

What options and rates do Christian Health Ministries offer?CHM is not health insurance, but medical cost-sharing, and nonprofit, enabling us to keep member costs down. CHM shares 100% of eligible medical bills, over $10 billion since its founding in 1981. Here are some of the plan costs to start (for individuals):Bronze, $92 per unit, per month Silver, $138 per unit, per monthGold, $240 per unit, per monthSenior Share, $115 per unit, per monthHow is being a member of Christian Healthcare Ministries more flexible than most health insurance plans?CHM members are not limited to a provider network. They can go to any doctor or hospital if the treatment is eligible according to CHM guidelines. This gives members more flexibility and control over their healthcare than typical health insurance plans.Where does CHM's ministry concept originate?CHM draws its concepts from the New Testament, where the Book of Acts says that all the believers pooled their resources together and shared what they had. So, CHM practically does that nowadays with medical costs. The spiritual component of what they do is vital to CHM, as they also pray for each other and send cards and emails of encouragement. It is an excellent example of the body of Christ serving one another.Where can people get more information?chministries.org/faithfiOn Today's Program, Rob Answers Listener Questions:I've been through over a decade of financial abuse, so I'm starting off having to reestablish with a low income. Are there any investment opportunities with a smaller amount that I can receive returns on, keeping some and then reinvesting the other? Also, do you have any other ideas for someone with a low income?I'm considering retiring to get my money out of the company I work for now, but I don't know how much the government will take because I'm not 65 yet. Is there a cut-off where they don't take anything?When I was stationed in Fort Polk and Fort Hood and bought houses, we had insurance that covered me if something happened to me, and the house would be paid for. I can't find those insurance policies anymore. Do you know of a resource that can help me track those down?Resources Mentioned:Christian Healthcare MinistriesNational Association of Insurance CommissionersRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Today's session is a spotlight on one of my favorite modalities, Chinese herbs. Traditional Chinese medicine (TCM) has a long history of treating infertility and has a remarkable curative effect in the treatment of gynecological and obstetrical diseases. Much of the time, conventional medical treatment with surgery, drugs, in vitro-fertilisation (IVF) or other assisted reproductive technologies (ART) does not always result in a viable pregnancy and live birth. It turns out that an integrative approach will double your odds of success! So, if you're at the end of your rope on your path to baby, consider integrating herbs in your fertility regime. Don't believe me? Let's look at the research - In a meta-analysis study, eight randomized controlled trials reported a doubling in the pregnancy rate in subfertile women using Chinese herbal medicine (CHM) within a 4-month treatment period compared with Western medical drug therapy alone. Another meta-analysis study suggested a 2 fold higher probability of achieving a pregnancy with CHM therapy than with WM therapy alone in women with infertility. Both of these studies included women with PCOS, endometriosis, anovulation, fallopian tube blockage, or unexplained infertility.There are dozens of Chinese formulas used to address reproductive and hormonal health. So, as always, I aim to give you the tools you need to better your chances of conception. Tune in to get a glimpse of some of my favorite formulas and the ailments they treat. Want the full list of supplements mentioned? They're listed in detail when you purchase a copy of The Ultimate Fertility Guidebook. Bonus? The JUNK JUICE formulas listed are available for purchase! Click here to grab EGG QUALITY and CHILL. You'll Learn: Research supporting the effectiveness of Chinese herbs in treating “unexplained infertility” My favorite Chinese herbal formulas and what they treat The benefits of an integrative approach to reproductive healthThanks so much for listening to our podcast! If you enjoyed this episode and think others would love to hear it, please share it using the social media buttons on this page. Do you have some feedback or questions about this episode or want to be a guest on the show? Leave a comment in the section below or visit the website to contact me!www.naturnalife.comSubscribing to The Podcast:If you would like to get automatic updates of new podcast episodes, you can subscribe to the podcast on Apple Podcasts, Stitcher, Spotify, Amazon, or whatever your favorite podcast app is!Ratings and reviews from our listeners are extremely valuable to us and greatly appreciated. They help our podcast rank higher on Apple Podcasts, which exposes our show to more awesome listeners like you. So if you have a minute, please leave a review on Apple Podcasts! 

The DOD Civilian Harm Mitigation and Response Action Plan (CHMR-AP) represents a significant step forward for global efforts to reduce civilian harm. The plan recognizes that reducing civilian harm is not just a moral imperative but a strategic priority. It lays out concrete steps that the Department of Defense can take to mitigate civilian harm caused by its operations.   Larry Lewis, Marla Keenan, and Sabrina Verleysen join John Stimpson in this episode. They discuss the CHMR-AP and the decades of work on civilian harm mitigation that made it possible.  Biographies Dr. Larry Lewis is a Principal Research Scientist in CNA's Operations Division. Dr. Lewis spearheaded the first data-based approach to protecting civilians in conflict by analyzing military operational data in conjunction with open-source data. He has worked extensively with militaries—including the U.S., NATO allies, and key U.S. partners—to help reduce civilian harm in their operations and strengthen their institutional capacity to mitigate such harm.  Marla Keenan is a Principal Advisor to CNA and an expert in human security, the protection of civilians, civilian harm mitigation and response, and civil-military relations in armed conflict. She has conducted high-level advocacy with international and regional organizations, including the United Nations, African Union, and NATO. She formerly led all international programs for the Center for Civilians in Conflict (CIVIC), working directly with civilians caught in conflict and militaries to support improved protection outcomes. Sabrina Verleysen is a Senior Specialist in Strategic Development and brings expertise in government relations and Indonesian civilian-military relations. She supports the CHM portfolio as an analyst, builds partnerships, and convenes interagency stakeholders to improve information sharing and collaboration on CHMR.  Further Reading DOD: Civilian Harm Mitigation and Response Action Plan CNA: Civilian Harm Mitigation

Lauren Gajdek is Vice President of Communications and Media at Christian Healthcare Ministries, an underwriter of this program. WHY IS CHRISTIAN HEALTHCARE MINISTRIES A LIFESAVER FOR THOSE WHO MISSED THE OPEN ENROLLMENT DEADLINE?Lauren explains that Christian Healthcare Ministries (CHM) operates differently from traditional insurance companies, allowing people to join at any time of the year without waiting for an open enrollment season. This flexibility makes CHM accessible for those who have missed enrollment deadlines.CHM allows joining anytime.It operates on a biblical concept of sharing resources among members.CHM has shared over $10 billion in members' medical bills, demonstrating its extensive support network. HOW DOES CHM DIFFER FROM TRADITIONAL HEALTH INSURANCE AND HOW DOES IT WORK?CHM is a medical cost-sharing organization, not an insurance company. It's based on a biblical concept where believers pool resources to ensure no one is left in need. Lauren emphasizes that CHM's approach has enabled the sharing of substantial amounts of medical bills, providing a reliable alternative to traditional health insurance.CHM is a medical cost-sharing organization inspired by biblical principles.It emphasizes mutual support among members, replicating the early church's resource sharing.CHM's long history and significant bill-sharing reflect its effectiveness and reliability. WHAT ARE THE COST BENEFITS OF CHM COMPARED TO TRADITIONAL HEALTH INSURANCE?Lauren highlights the affordability of CHM, with membership costs ranging from $92 to $267 per month for an individual, regardless of health history, age, or weight. She points out that CHM's 'personal responsibility' costs, similar to deductibles, are significantly lower than high insurance deductibles, making it an affordable option.CHM offers affordable membership rates, unrelated to personal health factors.It provides a financially viable alternative to high-deductible health insurance plans.The 'personal responsibility' cost in CHM is capped annually, enhancing its affordability. WHAT IS THE SPIRITUAL COMPONENT OF CHM?The spiritual aspect of CHM, as Lauren explains, is based on Galatians 6:2, focusing on bearing each other's burdens. This spiritual support is manifested through prayer, encouragement, and being a part of a larger Christian community, adding a significant dimension to the financial assistance CHM provides.CHM emphasizes spiritual support alongside financial assistance.Members engage in prayer and encouragement, strengthening communal bonds.The ministry operates under the principle of bearing each other's burdens as a reflection of Christ's teachings. For more information or to explore joining CHM, visitChristian Health Care Ministries or call 800-791-6225. ON TODAY'S PROGRAM, ROB ANSWERS LISTENER QUESTIONS:I have a $79,000 annuity with an insurance company and am considering rolling it over into my IRA for better returns, but I'm unsure if it's a good idea.Is debt consolidation worth it, and can you recommend any companies for it?As a military veteran with a head injury and recent widower, I'm unsure about filing a special tax return; what should I do?I had hail damage to my roof and a roofing company wants to replace it, but I can't afford the $2,000 deductible. Is it proper or legal to find another company that can offset this amount?I own my home and recently sold some real estate for about $750,000. I'm interested in other investment properties but didn't file the proper form for a 1031 exchange. What can I do now? RESOURCES MENTIONED:Christian Credit CounselorsFind a Certified Kingdom Advisor Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network as well as American Family Radio. Visit our website at FaithFi.comwhere you can join the FaithFi Community, and give as we expand our outreach.  Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.