Podcasts about contributions

The crew react to the Red Sox having another magical comeback. They hear from Mickey Gasper who says it perfectly, anybody can step up on this team.

Public Protector of South Africa, Advocate Kholeka Gcaleka is calling on faith based organizations to help root out corruption by reporting suspicious financial contributions offered to them as donations. Gcaleka was speaking at the St Paul African Apostolic Church's Annual Feast in Moletsane, Soweto. The annual feast brings together congregants from across South Africa and neighbouring countries for a day of prayer, thanksgiving and fellowship. Sashin Naidoo reports.

In 1997, Miss USA won Miss Universe with one perfectly judged answer. She revealed just enough to charm, but not enough to shock. Harvard professor Leslie John says that's scientifically proven to persuade. Her research shows revealers are more likeable, more hireable, and even more dateable. In this episode, she shares why oversharing beats staying guarded, why privacy promises make us shy, and how putting fears into words can cure phobias. --- ​​Become an FSB member: https://get.fsb.org.uk/nudge/ Unlock the Nudge Vaults: https://www.nudgepodcast.com/vaults Leslie's book Revealing: https://amzn.to/3RkFTAq  Leslie's website: https://www.proflesliejohn.com/  Join 12,199 readers of the Nudge Newsletter: https://www.nudgepodcast.com/mailing-list Connect on LinkedIn: https://www.linkedin.com/in/phill-agnew/  --- Today's sources:  Huang, K., Yeomans, M., Brooks, A. W., Minson, J., & Gino, F. (2017). It doesn't hurt to ask: Question-asking increases liking. Journal of Personality and Social Psychology, 113(3), 430–452. John, L. K., Acquisti, A., & Loewenstein, G. (2011). Strangers on a plane: Context-dependent willingness to divulge sensitive information. Journal of Consumer Research, 37(5), 858–873. John, L. K., Barasz, K., & Norton, M. I. (2016). Hiding personal information reveals the worst. Proceedings of the National Academy of Sciences, 113(4), 954–959. Kircanski, K., Lieberman, M. D., & Craske, M. G. (2012). Feelings into words: Contributions of language to exposure therapy. Psychological Science, 23(10), 1086–1091. Pennebaker, J. W., & Beall, S. K. (1986). Confronting a traumatic event: Toward an understanding of inhibition and disease. Journal of Abnormal Psychology, 95(3), 274–281. Spera, S. P., Buhrfeind, E. D., & Pennebaker, J. W. (1994). Expressive writing and coping with job loss. Academy of Management Journal, 37(3), 722–733.

Please consider how you can be faithful to the Lord Jesus Christ through your financial support to the continued work of His Church in this time. Contributions can be made by PayPal by visiting our website ( faithbiblepres.org ) or by mailing your contribution to: Faith Bible Presbyterian Church 3001 Marian Dr. Trenton Mi 48183 "The Pastor ought to have two voices: one, for gathering the sheep; and another, for warding off and driving away wolves and thieves. The Scripture supplies him with the means of doing both." ~ John Calvin (July 10, 1509 - May 27, 1564). "My sheep hear My voice, and I know them, and they follow Me." ~ NKJV John 10:27 "Satan's greatest success is in making people think they have plenty of time before they die to consider their eternal welfare" ~ John Owen (1616 - August 1683). "For the word of God and testimony of Jesus Christ." ~ NKJV Rev. 1:9 Fᴀɪᴛʜ Bɪʙʟᴇ Pʀᴇsʙʏᴛᴇʀɪᴀɴ Cʜᴜʀᴄʜ ~ Tʀᴜᴇ Worship & Aᴜᴛʜᴇɴᴛɪᴄ Fᴇʟʟᴏᴡsʜɪᴘ ~ Faith Bible Presbyterian Church is a Bible believing and Christ honoring church that is committed to teaching|preaching the Word of God with diligence and authority. We stand for the historic Christian faith, and we welcome you to our services of worship. Won't you join us? faithbiblepres.org

Please consider how you can be faithful to the Lord Jesus Christ through your financial support to the continued work of His Church in this time. Contributions can be made by PayPal by visiting our website ( faithbiblepres.org ) or by mailing your contribution to: Faith Bible Presbyterian Church 3001 Marian Dr. Trenton Mi 48183 "The Pastor ought to have two voices: one, for gathering the sheep; and another, for warding off and driving away wolves and thieves. The Scripture supplies him with the means of doing both." ~ John Calvin (July 10, 1509 - May 27, 1564). "My sheep hear My voice, and I know them, and they follow Me." ~ NKJV John 10:27 "Satan's greatest success is in making people think they have plenty of time before they die to consider their eternal welfare" ~ John Owen (1616 - August 1683). "For the word of God and testimony of Jesus Christ." ~ NKJV Rev. 1:9 Fᴀɪᴛʜ Bɪʙʟᴇ Pʀᴇsʙʏᴛᴇʀɪᴀɴ Cʜᴜʀᴄʜ ~ Tʀᴜᴇ Worship & Aᴜᴛʜᴇɴᴛɪᴄ Fᴇʟʟᴏᴡsʜɪᴘ ~ Faith Bible Presbyterian Church is a Bible believing and Christ honoring church that is committed to teaching|preaching the Word of God with diligence and authority. We stand for the historic Christian faith, and we welcome you to our services of worship. Won't you join us? faithbiblepres.org

Please consider how you can be faithful to the Lord Jesus Christ through your financial support to the continued work of His Church in this time. Contributions can be made by PayPal by visiting our website ( faithbiblepres.org ) or by mailing your contribution to: Faith Bible Presbyterian Church 3001 Marian Dr. Trenton Mi 48183 "The Pastor ought to have two voices: one, for gathering the sheep; and another, for warding off and driving away wolves and thieves. The Scripture supplies him with the means of doing both." ~ John Calvin (July 10, 1509 - May 27, 1564). "My sheep hear My voice, and I know them, and they follow Me." ~ NKJV John 10:27 "Satan's greatest success is in making people think they have plenty of time before they die to consider their eternal welfare" ~ John Owen (1616 - August 1683). "For the word of God and testimony of Jesus Christ." ~ NKJV Rev. 1:9 Fᴀɪᴛʜ Bɪʙʟᴇ Pʀᴇsʙʏᴛᴇʀɪᴀɴ Cʜᴜʀᴄʜ ~ Tʀᴜᴇ Worship & Aᴜᴛʜᴇɴᴛɪᴄ Fᴇʟʟᴏᴡsʜɪᴘ ~ Faith Bible Presbyterian Church is a Bible believing and Christ honoring church that is committed to teaching|preaching the Word of God with diligence and authority. We stand for the historic Christian faith, and we welcome you to our services of worship. Won't you join us? faithbiblepres.org

Please consider how you can be faithful to the Lord Jesus Christ through your financial support to the continued work of His Church in this time. Contributions can be made by PayPal by visiting our website ( faithbiblepres.org ) or by mailing your contribution to: Faith Bible Presbyterian Church 3001 Marian Dr. Trenton Mi 48183 "The Pastor ought to have two voices: one, for gathering the sheep; and another, for warding off and driving away wolves and thieves. The Scripture supplies him with the means of doing both." ~ John Calvin (July 10, 1509 - May 27, 1564). "My sheep hear My voice, and I know them, and they follow Me." ~ NKJV John 10:27 "Satan's greatest success is in making people think they have plenty of time before they die to consider their eternal welfare" ~ John Owen (1616 - August 1683). "For the word of God and testimony of Jesus Christ." ~ NKJV Rev. 1:9 Fᴀɪᴛʜ Bɪʙʟᴇ Pʀᴇsʙʏᴛᴇʀɪᴀɴ Cʜᴜʀᴄʜ ~ Tʀᴜᴇ Worship & Aᴜᴛʜᴇɴᴛɪᴄ Fᴇʟʟᴏᴡsʜɪᴘ ~ Faith Bible Presbyterian Church is a Bible believing and Christ honoring church that is committed to teaching|preaching the Word of God with diligence and authority. We stand for the historic Christian faith, and we welcome you to our services of worship. Won't you join us? faithbiblepres.org

Pension tax relief is one of the most useful ways to reduce tax while building long-term financial security. It helps taxpayers, business owners, company directors and higher earners make pension contributions more tax-efficiently. The challenge is that pension rules can feel confusing, especially when annual allowance limits, tapered annual allowance, carry forward, relief at source, net pay arrangements and employer contributions all come into the conversation. This episode explains the key ideas in plain English so you can understand what pension tax relief does, why it matters and where planning can make a real difference. About this episode If there was a legal way to pay less tax while building long-term financial security, most people would want to know about it. Pension tax relief does exactly that. In this episode, we look at how pension tax relief works, why it exists, how much you may be able to contribute, what the annual allowance means, what higher earners need to watch, and how carry forward can help you use unused allowances from earlier years. We also look at why employer pension contributions can be especially powerful for limited company directors and owner-managed businesses, and why understanding how your pension scheme gives tax relief matters. Why this matters Pension tax relief exists because the government wants people to save for retirement. The more people save for their own future, the less pressure there is on the state pension system. In simple terms, pension tax relief means some of the money that would otherwise go in tax can instead go into your pension pot. Mahmood describes it as the government helping you fund your future. This makes pensions a powerful part of tax planning. It is not about becoming wealthy overnight. It is about creating options, building financial security and making today's money work harder for tomorrow. For business owners and company directors, this also links naturally to wider tax-efficient reward planning. Our episode on Saving Tax with Company Benefits is a useful follow-on if you want to understand how pension contributions can sit alongside other company benefits. “Some of the money that would otherwise disappear in tax finds its way instead into your pension pot.” Key points from this episode Pension tax relief is not only for wealthy people One of the biggest misunderstandings is that pension tax relief is only useful for high earners. It is not. Pension tax relief is available to millions of ordinary taxpayers. Even if you have little or no earnings, you may still be able to contribute a limited amount into a pension and receive tax relief. The key point is that you do not need to be wealthy to benefit. You need to understand the rules, the limits and how your own pension arrangement works. How much can you contribute? Tax relief on personal pension contributions is generally linked to the lower of two figures: your relevant earnings or your available annual allowance. For many people, that is more than enough room to save tax-efficiently. However, if you are a business owner, company director, higher earner or somebody having a particularly profitable year, it becomes more important to pay attention to the annual allowance. The annual allowance includes your own contributions, employer contributions and contributions made by somebody else on your behalf. It is not a savings target. It is a limit to keep in mind so you avoid unwanted tax consequences. Higher earners and the tapered annual allowance Higher earners need to be particularly careful because the annual allowance may reduce. This is known as the tapered annual allowance. The taper can apply when both threshold income and adjusted income exceed certain levels. When that happens, the annual allowance can reduce, which means pension planning becomes more important. Large bonuses, dividend payments and employer pension contributions can all affect the calculation. That is why protective planning matters. The higher your income, the more important it becomes to check the numbers before making decisions. This connects with wider owner-director planning. Our episode on Dividends Explained: What They Are, Why They Matter and How to Pay Them is useful if you want to understand how dividends fit into director reward and tax planning. Carry forward can help you use earlier unused allowances Carry forward is a pension rule that many people overlook. If you have not used all your annual allowances during the previous three tax years, you may be able to bring unused allowances forward and use them now. Mahmood compares this to unused luggage allowance on a flight. Instead of wasting it, you may be able to use it later. Carry forward can be especially useful if your business has had a strong year, you have received a large bonus, you have received a redundancy payment, or retirement is approaching and you want to boost your pension quickly. Employer pension contributions can be powerful for business owners If you run a limited company, employer pension contributions deserve close attention. Employer pension contributions can be one of the most tax-efficient ways to move money from your business into your personal wealth. Unlike personal contributions, employer contributions are not limited by your personal earnings level, although they still count towards your annual allowance. That is why directors and owner-managed businesses often use pension contributions as part of a wider remuneration strategy. Done correctly, pension contributions can benefit both the business and the individual. They are not just pension payments. They can be part of a wider plan for extracting value from the company tax-efficiently. Relief at source and net pay arrangements Not all pension schemes deliver tax relief in the same way. Two common methods are relief at source and net pay arrangements. With relief at source, which is common with personal pensions, you pay contributions from income after tax. The pension provider claims basic rate tax relief from HMRC and adds it to your pension pot. If you are a higher-rate taxpayer, you may need to claim additional relief yourself, often through Self Assessment. With a net pay arrangement, often used by workplace pensions, contributions are taken from salary before Income Tax is calculated. Tax relief is then received through payroll, and no extra claim is normally required. The practical lesson is simple: know which method your pension scheme uses so you do not miss tax relief you are entitled to. Emma's pension tax relief example Mahmood uses Emma to show how powerful pension tax relief can be. Emma contributes £300 a month into her pension. Over a year, that is £3,600 from her own pocket. Under a relief at source arrangement, the pension contribution is treated as having basic rate tax added back, so the pension contribution becomes £4,500. The pension provider claims £900 from HMRC. If Emma is a higher-rate taxpayer, her total tax relief entitlement may be higher, and she may be able to claim the remaining relief through her tax return. For a higher-rate taxpayer in Mahmood's example, a pension contribution worth £4,500 has effectively cost £2,700 after the extra relief is claimed. That is the power of pension tax relief in action. FAQs What is pension tax relief? Pension tax relief is a government incentive that helps money go into your pension more tax-efficiently. In simple terms, some of the money that would otherwise go in tax can instead help build your retirement savings. What is the pension annual allowance? The annual allowance is the maximum amount that can generally go into your pension in a tax year while still benefiting from tax advantages. It includes personal contributions, employer contributions and third-party contributions. What is the tapered annual allowance? The tapered annual allowance is a reduced annual allowance that can apply to higher earners. If your income is high enough, your annual allowance may shrink, which can create unexpected tax consequences if not planned properly. What does carry forward mean for pensions? Carry forward allows you to use unused annual allowance from the previous three tax years, if the rules are met. It can be especially useful after a strong business year, a large bonus, redundancy payment or when retirement is approaching. Why are employer pension contributions useful for company directors? Employer pension contributions can help company...

Please consider how you can be faithful to the Lord Jesus Christ through your financial support to the continued work of His Church in this time. Contributions can be made by PayPal by visiting our website ( faithbiblepres.org ) or by mailing your contribution to: Faith Bible Presbyterian Church 3001 Marian Dr. Trenton Mi 48183 "The Pastor ought to have two voices: one, for gathering the sheep; and another, for warding off and driving away wolves and thieves. The Scripture supplies him with the means of doing both." ~ John Calvin (July 10, 1509 - May 27, 1564). "My sheep hear My voice, and I know them, and they follow Me." ~ NKJV John 10:27 "Satan's greatest success is in making people think they have plenty of time before they die to consider their eternal welfare" ~ John Owen (1616 - August 1683). "For the word of God and testimony of Jesus Christ." ~ NKJV Rev. 1:9 Fᴀɪᴛʜ Bɪʙʟᴇ Pʀᴇsʙʏᴛᴇʀɪᴀɴ Cʜᴜʀᴄʜ ~ Tʀᴜᴇ Worship & Aᴜᴛʜᴇɴᴛɪᴄ Fᴇʟʟᴏᴡsʜɪᴘ ~ Faith Bible Presbyterian Church is a Bible believing and Christ honoring church that is committed to teaching|preaching the Word of God with diligence and authority. We stand for the historic Christian faith, and we welcome you to our services of worship. Won't you join us? faithbiblepres.org

Please consider how you can be faithful to the Lord Jesus Christ through your financial support to the continued work of His Church in this time. Contributions can be made by PayPal by visiting our website ( faithbiblepres.org ) or by mailing your contribution to: Faith Bible Presbyterian Church 3001 Marian Dr. Trenton Mi 48183 "The Pastor ought to have two voices: one, for gathering the sheep; and another, for warding off and driving away wolves and thieves. The Scripture supplies him with the means of doing both." ~ John Calvin (July 10, 1509 - May 27, 1564). "My sheep hear My voice, and I know them, and they follow Me." ~ NKJV John 10:27 "Satan's greatest success is in making people think they have plenty of time before they die to consider their eternal welfare" ~ John Owen (1616 - August 1683). "For the word of God and testimony of Jesus Christ." ~ NKJV Rev. 1:9 Fᴀɪᴛʜ Bɪʙʟᴇ Pʀᴇsʙʏᴛᴇʀɪᴀɴ Cʜᴜʀᴄʜ ~ Tʀᴜᴇ Worship & Aᴜᴛʜᴇɴᴛɪᴄ Fᴇʟʟᴏᴡsʜɪᴘ ~ Faith Bible Presbyterian Church is a Bible believing and Christ honoring church that is committed to teaching|preaching the Word of God with diligence and authority. We stand for the historic Christian faith, and we welcome you to our services of worship. Won't you join us? faithbiblepres.org

Jim and Chris discuss listener emails on the Social Security Fairness Act, an IRMAA question involving deferred compensation, Roth conversions before and after key age milestones, Roth contributions for high-income catch-up savers, and how TEFRA affects an inherited annuity. (9:45) — A listener disagrees with the show’s characterization of the Social Security Fairness Act as unfair, explaining that after paying into both a government pension and Social Security for 40 quarters, she believes receiving both without penalty is fair for her situation. (27:45) — The guys field a question from a retiree who retired in 2025 and will receive deferred compensation payments through 2029 that push his income over the IRMAA threshold. He wonders whether he can file an SSA-44 in 2029 to eliminate the IRMAA surcharges. (37:00) — Jim and Chris are asked to revisit a recent discussion on moving money from Traditional to Roth accounts instead of taking distributions, with a listener wanting more detail on the implications of doing so before age 59 and a half and after RMD age. (48:30) — George asks for the pluses and minuses of continuing Roth 401(k)/403(b) contributions later in life compared with investing in a taxable brokerage account, including how a 50-year-old might decide between the two and whether those aged 61-63 should use the Roth option for super catch-up contributions. (1:03:30) — A listener has several questions about TEFRA, including what it stands for, when it was enacted, and how it affects distributions from an inherited annuity listing Pre-TEFRA and Post-TEFRA cost basis. The post Social Security, IRMAA, Roth Conversions, Roth Contributions, TEFRA: Q&A #2633 appeared first on The Retirement and IRA Show.

Podcasting 2.0 August 14th 2026 Episode 267 - "Chocolove" ------------------------------------------------------------------------------------------------------------------------------------- 00 - THE SPOTIFY "SKIP AHEAD" BUTTON — THE BIG ONE What it is: Spotify is testing a button that appears on the playback screen the moment it thinks you'd want to skip — an intro, a sponsorship message, or an entire ad break. It is bigger than everything else on screen. One tap drops you at the end of the break, back in the show. Premium subscribers only, selected markets including US and UK, and only when the app is in the foreground. Who broke it: James Cridland at Pod News, 4 August 2026 — an exclusive. Spotify never announced it. Semafor and most of the trade press picked it up afterwards; Cridland noted on air this week that some of them ran it without credit. The number that makes it different from a skip button: Cridland's arithmetic — skipping a typical ad break by hand is nine presses of the 15-second button, plus a correction tap when you overshoot. Skip Ahead is one. "Some people have said, oh, but you've been able to skip for years and this is no different. But a button that only appears when it's stuff that Spotify thinks you should be skipping is a start." It skips other people's money: the button fires on third-party ads — Acast, Odyssey, the New York Times — and on ads inside Spotify's own shows. It even skipped Search Engine's read for its own paid tier, PJ Vogt pitching Incognito Mode. One half of Spotify sells advertisers reach; the other half hands listeners a button to leave. Spotify's answer, and the trapdoor in it: Spotify told Cridland it is "not affecting ad delivery." True only if delivery means to the device. Cridland: "If ad delivery is to the listener's ear, which is actually what people are paying for..." — the download still counts, the ad still gets billed, the human never hears it. Spotify's other defence: the button merely shows where other listeners already skip. Cridland: "I'm not entirely sold on that, but if that's what Spotify say, I mean they wouldn't lie."

In this episode, Bruce Appleyard returns with an update on the release of his innovative rewrite and expansion of his father, Don Appleyard's book, Livable Streets, as Livable Streets 2.0. We also talk about the legacy of his father's work and how two tragic car crashes influenced his career path. We conclude with reflections on positive trends for safer, more livable streets around the globe and the new projects he's excited about, especially one with Dan Burden with Blue Zones.Helpful Links (note that some may include affiliate links to help me support the channel):

When you're moving into retirement, you're most likely to be starting to ask yourself which investment accounts you should start drawing from first. There's really no universal answer—retirement withdrawal strategies are deeply personal and situation-dependent. But understanding the implications of each account type and the factors that influence withdrawal order can have a massive impact on your tax burden and the longevity of your assets.    You will want to hear this episode if you are interested in... [00:00] Retirement withdrawal strategy options [06:37] Roth IRA and taxable accounts [07:47] Tax implications for investment gains [14:12] Roth IRA conversion strategy [16:17] Real-life retirement income strategies [19:36] Importance of a withdrawal strategy   Understanding the Account Types and Their Tax Impact   The foundation of your strategic withdrawal plan begins with understanding how each investment account is taxed:   1. Pre-tax Retirement Accounts These include traditional IRAs and 401(k)s, SEP IRAs, and similar plans. Contributions offer a tax deduction, and growth is tax-deferred, but withdrawals are taxed as ordinary income. These accounts are eventually subject to required minimum distributions (RMDs), currently beginning at age 73 or 75, depending on your birth year. Withdrawals here not only increase your reported income but can also impact Medicare premiums and Social Security taxation.   2. Roth Accounts Roth IRAs and Roth 401(k)s are funded with after-tax contributions. Qualified withdrawals are tax-free and—if the original contributor owns the account, not subject to RMDs in your lifetime. This makes Roth accounts especially valuable for flexible, later-stage withdrawals.   3. Taxable Brokerage Accounts These are standard investment accounts not designated for retirement. Withdrawals of principal do not create taxable events; only realized capital gains, dividends, and interest are reported for taxes. One major benefit: capital gains rates can be lower than ordinary income rates and may even reach 0% for some filers. Withdrawals can be easy to manage for opportunistic or requirement-driven needs.   Questions to Consider with Personalized Withdrawal Planning Several personal factors play into the best withdrawal order: Are you retiring before 65 and in need of Affordable Care Act (ACA) health insurance? Do you want to minimize future RMDs or leave assets to heirs? When will you begin Social Security or receive pension income? What is your preferred tax bracket and desired lifestyle flexibility?   These questions should be revisited regularly, as changes in tax law, health, or legacy wishes can affect your strategy.   Real-World Withdrawal Scenarios Coordinating Withdrawals for ACA Subsidies Jonathan retires at 57, pre-Medicare, and must carefully manage his modified adjusted gross income (MAGI) to retain ACA health insurance subsidies. My suggested plan is to combine modest 401(k) withdrawals, reportable dividends, and money market interest to stay below the MAGI threshold. Additional cash needs are met from accounts, like the money market, which don't affect taxable income. This keeps his subsidy and aligns with income limits, demonstrating the need for multi-account coordination.   Reducing Future RMDs and Leaving a Legacy Walter and Amy, 62, want to avoid burdening their heirs with high-tax inheritance on pre-tax accounts. Instead of focusing solely on paying the least tax today, they prioritize Roth conversions while Social Security is delayed, taking advantage of lower brackets now to transfer wealth into tax-free vehicles. Over several years, they could convert hundreds of thousands into Roth IRAs, significantly reducing future RMDs while maximizing wealth transfer.   Minimizing Tax on Social Security Christian, 68, blends Social Security with distributions from non-taxable sources like his money market to avoid triggering federal taxes on his Social Security. Careful planning allows him to either keep Social Security tax-free or, with limited IRA withdrawals, incur only minimal tax.   The Importance of Ongoing Review and Professional Advice Your withdrawal strategy is not a "set-and-forget" plan. Tax laws, account balances, and individual goals will change over time. I suggest annual reviews and, ideally, working with a specialized financial advisor to continually adjust the plan for optimal tax efficiency and income sustainability. A thoughtful approach, tailored to your personal circumstances and updated regularly, will help you balance tax efficiency, income needs, and legacy goals.    Resources Mentioned Retirement Readiness Review Subscribe to the Retire with Ryan YouTube Channel Download my entire book for FREE    Connect With Morrissey Wealth Management  www.MorrisseyWealthManagement.com/contact Subscribe to Retire With Ryan

The Department of Energy is gearing up to create a new class of science-specific, open-weight AI models in collaboration with industry as part of its recently launched Genesis Open Models Initiative. The agency is collecting information from interested organizations that want to partner on the project. Contributions are welcome throughout the development lifecycle — from the base, foundational systems to domain-specific datasets and fine-tuning expertise to shape adapted versions for particular applications. In an overview of the initiative, the department explained: “These Genesis models aim to provide researchers, national laboratories, industry partners, and the broader open science community with powerful, transparent, and extensible AI models that can be adapted to a wide range of scientific domains and use cases. By releasing models with open-weights, DOE seeks to galvanize the scientific and AI communities around shared infrastructure for science.” The agency said the first model in its new class, called Genesis-Science-1, is under development. U.S.-based open intelligence lab Arcee is working on the model alongside DOE scientists and other contributors. The Genesis Open Models Initiative is the newest branch to grow from the ever-expanding Genesis Mission. The core of the effort includes goals to combine the latest technological advancements to stand up supercomputers, launch a national platform and double the productivity of the country's research-and-development budget. Taxpayers felt a slowdown in the IRS's processing of paper returns this filing season due in part to a reduction in experienced IT acquisition staff, according to a watchdog report released Monday. Despite a 19% year-over-year decrease in the number of paper returns it received, the tax agency processed 46% fewer individual paper returns and 80% fewer business paper returns over the same time period, the Government Accountability Office found. A March report from the watchdog predicted the delays, flagging that the agency's “critical systems for processing and scanning paper tax documents would be unavailable at the start of the 2026 filing season and that IRS would rely on vendors to mitigate the issue.” Per IRS officials, the system to process individual paper returns was unavailable for the first six weeks of 2026, while the scanning system for business paper returns was out of commission for the entirety of the most recent filing season. The Daily Scoop Podcast is available every Monday-Friday afternoon. If you want to hear more of the latest from Washington, subscribe to The Daily Scoop Podcast  on Apple Podcasts, Soundcloud, Spotify and YouTube.

A rule changed on January first that takes the tax deduction away from catch-up contributions for a lot of people who are still working. We'll run through all the 2026 numbers and talk about whether it's still worth doing. In our Listener Question segment, a fellow in Connecticut is worried that the low-income window he's been counting on for Roth conversions may never show up, because his wife is a high earner four years younger than he is. He's come up with a clever workaround. And to close out the show we hear from a retired HR Manager. After building a successful career, he found a meaningful way to give back through Reading Partners, serving as a remote reading tutor for students who need extra support.   Resources: Article by Amy Arnott in MorningStar: Should Higher Earners Still Make 401(k) Catch‑Up Contributions?   Reading Partners: https://readingpartners.org   Connect with Benjamin Brandt: Subscribe to the This Week in Retirement: http://thisweekinretirement.com Get the Retire-Ready Toolkit: http://retirementstartstodayradio.com Work with Benjamin: https://retirementstartstoday.com/start Get the book!Retirement Starts Today: Your Non-financial Guide to an Even Better Retirement Follow Retirement Starts Today in:Apple Podcasts, Spotify, Overcast, Pocket Casts, Amazon Music, or iHeart  

Summer has a way of making room for the kind of reading that gets crowded out the rest of the year — not lighter reading, necessarily, but slower reading. A biography you can actually sink into, an exhibition catalogue that rewards attention. An argument about art and the mind that you can sit with over a few days rather than racing through during weeks of deadlines and meetings.None of the books on this list are 'beach reads' in the usual sense (I can't see you lugging some of them to the beach or the pool). What follows is a short, deliberate list — books that are genuinely readable, genuinely good, and genuinely worth the time you'll give them.EPISODE TIMESTAMPS00:24 - Introduction01:21 - "Anni Albers: A Life"02:12 - "Vermeer's Afterlives"03:07 - "Dorothea Tanning: A Surrealist World"04:16 - "Cecily Brown: Picture Making"05:19 - "Willem de Kooning Drawing"06:58 - "Hidden Modernism: The Fascination with the Occult Around 1900"PURCHASE THESE BOOKS"Anni Albers: A Life" by Nicholas Fox Weberhttps://yalebooks.yale.edu/book/9780300269376/anni-albers/"Vermeer's Afterlives" by Ruth Bernard Yeazellhttps://press.princeton.edu/books/hardcover/9780691277820/vermeers-afterlives"Dorothea Tanning: A Surrealist World" by Alyce Mahonhttps://yalebooks.yale.edu/book/9780300244601/dorothea-tanning/"Cecily Brown: Picture Making"https://shop.serpentinegalleries.org/products/cecily-brown-picture-making-catalogue"Willem de Kooning Drawing" Edited by Kevin Salatino, Mel Becker Solomon, Charlotte Healy and Margaret Holben Ellis. Contributions by Stephen Mack, Christa Noel Robbins, Robert Storr and Ludo van Halemhttps://yalebooks.yale.edu/book/9780300288544/willem-de-kooning-drawing/"Hidden Modernism: The Fascination with the Occult around 1900" Edited by Matthias Dusini, Ivan Ristic, Hans-Peter Wipplinger. Text by Karl Baier, Matthias Dusini, Laura Feurle, Kira Kaufmann, Astrid Kury, Michaela Lindinger, Therese Muxeneder, Ivan Ristic.SUBSCRIBE, FOLLOW AND HEAR INTERVIEWS:For more information, visit meganfoxkelly.com, hear our past interviews, and subscribe at the bottom of our Of Interest page for new posts.Follow us on Instagram: @meganfoxkelly"Reading the Art World" is a podcast featuring live interviews with leading authors and writers on important new art books. Megan Fox Kelly is an art advisor and past President of the Association of Professional Art Advisors who works with collectors, estates and foundations.Music composed by Bob Golden

Please consider how you can be faithful to the Lord Jesus Christ through your financial support to the continued work of His Church in this time. Contributions can be made by PayPal by visiting our website ( faithbiblepres.org ) or by mailing your contribution to: Faith Bible Presbyterian Church 3001 Marian Dr. Trenton Mi 48183 "The Pastor ought to have two voices: one, for gathering the sheep; and another, for warding off and driving away wolves and thieves. The Scripture supplies him with the means of doing both." ~ John Calvin (July 10, 1509 - May 27, 1564). "My sheep hear My voice, and I know them, and they follow Me." ~ NKJV John 10:27 "Satan's greatest success is in making people think they have plenty of time before they die to consider their eternal welfare" ~ John Owen (1616 - August 1683). "For the word of God and testimony of Jesus Christ." ~ NKJV Rev. 1:9 Fᴀɪᴛʜ Bɪʙʟᴇ Pʀᴇsʙʏᴛᴇʀɪᴀɴ Cʜᴜʀᴄʜ ~ Tʀᴜᴇ Worship & Aᴜᴛʜᴇɴᴛɪᴄ Fᴇʟʟᴏᴡsʜɪᴘ ~ Faith Bible Presbyterian Church is a Bible believing and Christ honoring church that is committed to teaching|preaching the Word of God with diligence and authority. We stand for the historic Christian faith, and we welcome you to our services of worship. Won't you join us? faithbiblepres.org

Please consider how you can be faithful to the Lord Jesus Christ through your financial support to the continued work of His Church in this time. Contributions can be made by PayPal by visiting our website ( faithbiblepres.org ) or by mailing your contribution to: Faith Bible Presbyterian Church 3001 Marian Dr. Trenton Mi 48183 "The Pastor ought to have two voices: one, for gathering the sheep; and another, for warding off and driving away wolves and thieves. The Scripture supplies him with the means of doing both." ~ John Calvin (July 10, 1509 - May 27, 1564). "My sheep hear My voice, and I know them, and they follow Me." ~ NKJV John 10:27 "Satan's greatest success is in making people think they have plenty of time before they die to consider their eternal welfare" ~ John Owen (1616 - August 1683). "For the word of God and testimony of Jesus Christ." ~ NKJV Rev. 1:9 Fᴀɪᴛʜ Bɪʙʟᴇ Pʀᴇsʙʏᴛᴇʀɪᴀɴ Cʜᴜʀᴄʜ ~ Tʀᴜᴇ Worship & Aᴜᴛʜᴇɴᴛɪᴄ Fᴇʟʟᴏᴡsʜɪᴘ ~ Faith Bible Presbyterian Church is a Bible believing and Christ honoring church that is committed to teaching|preaching the Word of God with diligence and authority. We stand for the historic Christian faith, and we welcome you to our services of worship. Won't you join us? faithbiblepres.org

Please consider how you can be faithful to the Lord Jesus Christ through your financial support to the continued work of His Church in this time. Contributions can be made by PayPal by visiting our website ( faithbiblepres.org ) or by mailing your contribution to: Faith Bible Presbyterian Church 3001 Marian Dr. Trenton Mi 48183 "The Pastor ought to have two voices: one, for gathering the sheep; and another, for warding off and driving away wolves and thieves. The Scripture supplies him with the means of doing both." ~ John Calvin (July 10, 1509 - May 27, 1564). "My sheep hear My voice, and I know them, and they follow Me." ~ NKJV John 10:27 "Satan's greatest success is in making people think they have plenty of time before they die to consider their eternal welfare" ~ John Owen (1616 - August 1683). "For the word of God and testimony of Jesus Christ." ~ NKJV Rev. 1:9 Fᴀɪᴛʜ Bɪʙʟᴇ Pʀᴇsʙʏᴛᴇʀɪᴀɴ Cʜᴜʀᴄʜ ~ Tʀᴜᴇ Worship & Aᴜᴛʜᴇɴᴛɪᴄ Fᴇʟʟᴏᴡsʜɪᴘ ~ Faith Bible Presbyterian Church is a Bible believing and Christ honoring church that is committed to teaching|preaching the Word of God with diligence and authority. We stand for the historic Christian faith, and we welcome you to our services of worship. Won't you join us? faithbiblepres.org

Please consider how you can be faithful to the Lord Jesus Christ through your financial support to the continued work of His Church in this time. Contributions can be made by PayPal by visiting our website ( faithbiblepres.org ) or by mailing your contribution to: Faith Bible Presbyterian Church 3001 Marian Dr. Trenton Mi 48183 "The Pastor ought to have two voices: one, for gathering the sheep; and another, for warding off and driving away wolves and thieves. The Scripture supplies him with the means of doing both." ~ John Calvin (July 10, 1509 - May 27, 1564). "My sheep hear My voice, and I know them, and they follow Me." ~ NKJV John 10:27 "Satan's greatest success is in making people think they have plenty of time before they die to consider their eternal welfare" ~ John Owen (1616 - August 1683). "For the word of God and testimony of Jesus Christ." ~ NKJV Rev. 1:9 Fᴀɪᴛʜ Bɪʙʟᴇ Pʀᴇsʙʏᴛᴇʀɪᴀɴ Cʜᴜʀᴄʜ ~ Tʀᴜᴇ Worship & Aᴜᴛʜᴇɴᴛɪᴄ Fᴇʟʟᴏᴡsʜɪᴘ ~ Faith Bible Presbyterian Church is a Bible believing and Christ honoring church that is committed to teaching|preaching the Word of God with diligence and authority. We stand for the historic Christian faith, and we welcome you to our services of worship. Won't you join us? faithbiblepres.org

Please consider how you can be faithful to the Lord Jesus Christ through your financial support to the continued work of His Church in this time. Contributions can be made by PayPal by visiting our website ( faithbiblepres.org ) or by mailing your contribution to: Faith Bible Presbyterian Church 3001 Marian Dr. Trenton Mi 48183 "The Pastor ought to have two voices: one, for gathering the sheep; and another, for warding off and driving away wolves and thieves. The Scripture supplies him with the means of doing both." ~ John Calvin (July 10, 1509 - May 27, 1564). "My sheep hear My voice, and I know them, and they follow Me." ~ NKJV John 10:27 "Satan's greatest success is in making people think they have plenty of time before they die to consider their eternal welfare" ~ John Owen (1616 - August 1683). "For the word of God and testimony of Jesus Christ." ~ NKJV Rev. 1:9 Fᴀɪᴛʜ Bɪʙʟᴇ Pʀᴇsʙʏᴛᴇʀɪᴀɴ Cʜᴜʀᴄʜ ~ Tʀᴜᴇ Worship & Aᴜᴛʜᴇɴᴛɪᴄ Fᴇʟʟᴏᴡsʜɪᴘ ~ Faith Bible Presbyterian Church is a Bible believing and Christ honoring church that is committed to teaching|preaching the Word of God with diligence and authority. We stand for the historic Christian faith, and we welcome you to our services of worship. Won't you join us? faithbiblepres.org

Kevin Frazier addresses the growing misinformation surrounding data centers, particularly in rural America where they are often viewed as threats to water and power. He argues that these facilities provide massive tax base contributions and high-paying construction jobs, yet are often rejected by the communities that need them most. Frazier highlights New York's moratorium on large data centers as a counterproductive move that pushes infrastructure to less suitable locations. He proposes a "cap and trade" system to prevent states from free-riding on the national digital infrastructure. Comparing data centers to the interstate highway system, Frazier emphasizes that the physical "cloud" is essential for the modern economy. He calls for Congressional action to codify a "ratepayer protection pledge," ensuring that tech companies, rather than consumers, bear the costs of grid upgrades. (8)

In this episode, I connect with Edinburgh-based musician and everyday bike rider Daniel Abrahams for a conversation about his safer streets advocacy music videos, including his latest, Amsterdam, which asks a simple question: Why Can't We Just Do It Like Amsterdam? Indeed, even Amsterdam wasn't the Amsterdam we know now.Helpful Links (note that some may include affiliate links to help me support the channel):

On today's episode we will cover Charitable Solicitation Registration! If your nonprofit asks people for donations, you probably need to register with state regulators before you make the ask, and the rules are different in every state. We'll break down what charitable solicitation is, how it differs from your IRS tax-exempt status, what the most common misconceptions are, and what organizations should do to stay compliant with these laws. Today we are thrilled to be joined by our BA Summer Legal intern, Lina Zuluaga. On this Episode Brittany Leonard Tim Mooney Lina Zuluaga (Legal Intern) Shownotes: Opening: Intros (, Brittany, ) 1.         - Intro about   a.        Lina's summer internship experience 2.         - Starting with the basics: What is charitable solicitation and why does it exist? a.        Charitable solicitation registration is a state law consumer protection requirement                                                                                              i.         It is not a federal obligation                                                                                           ii.         States require organizations that ask the public for charitable donations to register with a state regulator, usually the Attorney General or Secretary of state, before they begin soliciting b.        The purpose is fraud prevention and transparency, not taxation.                                                                                              i.         States want to know who is asking their residents for money and how those funds are being used. c.        Roughly 40 states, plus D.C. have some form of registration requirement. About 10 states have no general charitable solicitation law. T[LZ1] [BL2] hese states don't have a general pre-registration requirement, though some still impose disclosure or other obligations                                                                                              i.         States with no registration requirements include Delaware, Idaho, Indiana, Iowa, Montana, Nebraska, South Dakota, Vermont, Utah and Wyoming.                                                                                           ii.         States with limited, or conditional registration requirements include Texas and Arizona. Their requirements are triggered by fundraising activities rather than a charitable solicitation act. d.        The key definitions to understand:                                                                                              i.         Solicitation: a request for a contribution for a charitable purpose, through any medium. 1.        Example: sending mail to citizens of a particular state, asking them to donate to your cause!                                                                                           ii.         Contribution: a gift of money or property 1.        Example: receiving a check in the mail from a new donor you've never contacted! 3.        -Three registrations commonly confused: IRS tax exempt status, state business registration, and charitable solicitation registration a.        IRS 501(c)(3) determination – refers to federal tax-exempt status. The organization is exempt from federal income tax, and donors can deduct contributions.                                                                                              i.         Tax exempt status on its own does not authorize fundraising in every state. b.        State business registration – is required when a nonprofit has a presence or does business in another state. It's a corporate filing with the Secretary of State. c.        Charitable solicitation registration – separate, additional obligation triggered by asking for donations. Many states require nonprofits to submit their IRS determination letter as part of the state registration, underscoring that federal status is a prerequisite, not a substitute. d.       Myth #1 – Tax exempt status gives you nationwide solicitation coverage                                                                                              i.         Scenario: A newly formed 501(c)(3) receives its IRS determination letter. The board treasurer says: "Awesome! We're good to fundraise everywhere now!" Is that right?                                                                                           ii.         No! That's a common misconception. The IRS determination letter means the federal government recognizes the organization as tax-exempt. It says nothing about whether you can legally ask for donations in California, New York, or any other state. There are separate state-level obligations with their own applications, fees, and renewal deadlines to be aware of. e.        An IRS determination letter is not a license to fundraise. Federal tax-exempt status and state solicitation registration are separate legal obligations. 4.         - Common misconceptions (FAQs) a.         - Do I need to register in every state we receive a donation from? For example, my nonprofit is based in Florida, and I receive a donation from someone in Indiana.                                                                                              i.         - No. Receiving a donation is not the same as soliciting one. Registration is triggered by making the ask, not by the receipt.                                                                                          ii.         - Also, Indiana is one of the states that doesn't have a charitable solicitation registration requirement. So, in this instance, registration wouldn't be required either way.                                                                                          iii.          – But this analysis would be different if the donation came from New York after you specifically solicited New York residents. Sending fundraising emails to residents there triggers New York's registration requirement. b.       How about if we have a donate button on our website. Do we need to register in all 50 states?                                                                                              i.           - The leading guidance comes from the Charleston Principles, developed in 2001 by the National Association of State Charity Officials, or NASCO.                                                                                           ii.          - Under the Charleston Principles, a nonprofit generally needs to register in a state if its website specifically targets residents of that state, or if it receives contributions from that state on a repeated, ongoing, or substantial basis.                                                                                        iii.          - A purely passive website with a donate button that isn't targeting any particular state generally wouldn't trigger registration everywhere.                                                                                        iv.          – That said, the Charleston Principles are guidance, not law. A small number of states including Colorado, Tennessee, and Mississippi, have enacted administrative regulations that mirror the principles' framework with specific numerical thresholds. In those states, the parallel rules are binding law, but their legal force comes from the state rulemaking process, not from the Principles themselves.                                                                                           v.          – the practical takeaway for organizations is that the Charleston Principles are a useful starting point, but they are not a safe harbor. You cannot point to them as an excuse for not abiding by state regulation. If you're doing active online fundraising, email campaigns to donors in other states, or geo-targeted advertisement seeking donations in another state, that's going to look a lot more like solicitation than a passive donate button on a website. c.         - Do we still need to register if we're a small organization just working with volunteers?                                                                                              i.         - In some states, small organizations may qualify for an exemption based on their revenue.                                                                                           ii.         -Two important points to consider: 1) thresholds for exemptions vary by state, and 2) many exemptions must be affirmatively claimed. Your organization may need to file a form to claim the exemption.                                                                                        iii.         smaller organizations may also wonder about membership dues and conference fees. 5.        Membership Dues and Conference Registration Fees a.        – That's right. One question that came up during a technical assistance request this summer was whether collecting membership dues and conference registration fees would trigger a charitable solicitation registration. b.         - The short answer is generally no, because most states distinguish between charitable solicitations and earned revenue. c.        – The Model Act Concerning the Solicitation of Funds for Charitable Purposes, drafted by the National Association of Attorneys General (NAAG) and NASCO in 1986 defines "contribution" as grant, promise, or pledge of value in response to a solicitation, but expressly excludes bona fide fees, dues or assessments paid by members, provided that membership is not conferred solely as consideration for making a contribution in response to a solicitation. d.         - Conference registration fees are generally treated the same way.  When someone pays to attend a conference and receives programming, materials, and meals of roughly equivalent value, that's program service revenue, not a contribution. e.        There's also instances to distinguish when membership fees may be considered solicitation                                                                                              i.          – One instance to consider is if membership is granted automatically to anyone who donates in response to solicitation. 1.        A membership conferred solely as consideration for a gift may be considered a contribution.                                                                                           ii.          – Another instance is if you have a "supporter" tier priced well above the value of benefits. The excess can start to look like a contribution. 1.        Contributions dressed up as dues risk losing the bona fide dues exclusion.                                                                                        iii.          – Also, if you add an option to donate on a conference registration form, or a 'sponsor and attendee' add-on, you've introduced solicitation into the same transaction. 1.        The conference fee itself is earned revenue, but the donation ask is you asking someone for a gift. 6.        Practical Compliance a.        What does registration actually involve?                                                                                             i.         – registration itself is typically straightforward. An application normally asks you to submit your formation documents, IRS determination letter, most recent Form 990, a list of officers and directors, description of fundraising activities, and a filing fee. 1.        Some states accept the Unified Registration Statement, which is a multi-state form. Colorado, Florida, and Oklahoma do not accept it. Even states that do accept it may require supplemental documents.                                                                                           ii.          – Renewal is also an important compliance consideration. Most states require annual renewal, often tied to the organization's fiscal year-end, with a new Form 990 and fee each cycle. Organizations that miss a renewal may receive noncompliance letters from their state agency for failure to renew. b.       What happens if we don't register?                                                                                              i.          – The consequences are real and can escalate. Regulators can issue cease and desist orders, which means the organization must stop soliciting and take down donate links. In some cases, they may even have to notify donors. Some states issue fines each day until the violation is corrected.                                                                                           ii.         – Beyond direct legal consequences, there's also a reputational impact to consider. Violations can become public record. Some grantors and major donors review registration status as part of due diligence before giving to an organization. c.        When should organizations get help?                                                                                              i.         – it depends, but organizations may consider their size and the number of states they solicit donations in. For example, small, local organizations with smaller footprints in a few states can likely handle their registration and renewals themselves. Organizations that are soliciting in the double-digit states may want to consider outsourcing their compliance.                                                                                           ii.          – Organizations may also consider consulting with their legal counsel. It's helpful to talk to your lawyer when the question stops being "which form do I file" and starts being "what does this statute mean?" Interpreting state definition of contributions, responding to a cease-and-desist letter, structuring a professional fundraiser contract, or navigating a multi-entity fundraising arrangement all entail judgment calls that would be best informed by legal expertise. Resources: ·       https://afj.org/article/does-your-nonprofit-have-a-donation-page-heres-what-you-need-to-know/ ·       https://www.irs.gov/charities-non-profits/charitable-organizations/charitable-solicitation-initial-state-registration ·       2001 EO CPE Text State Charitable Solicitations Statutes, https://www.irs.gov/pub/irs-tege/eotopici01.pdf ·       https://www.councilofnonprofits.org/running-nonprofit/fundraising-and-resource-development/charitable-solicitation-registration ·       https://charitystateregistration.org/ ·       https://www.nasconet.org/resources/state-government

•Kisha Grandy is a celebrated recording artist, actress, and worship leader whose unmistakable, rich contralto voice firstgained national attention in the 1990s as a featured member of the groundbreaking, multi-platinum-selling Gospel group Kirk Franklin & The Family.•Grandy's vocal performances became integral components of some of the group's most cherished hit songs, including:“Silver & Gold”, “Savoir More Than Life To Me,” and many more.•Kisha delivers a performance that is both deeply personal and universally relatable. The song encourages listeners tostand firm in their faith, reject fear and doubt, and confidently proclaim their trust in God's ability to sustain them through every season.•"I Believe God is a declaration for anyone facing challenges, uncertainty, disappointment, or adversity,” Kisha explains. “No matter what you're up against, don't give up, don't lose hope,and never stop believing that God is still working on your behalf.”•“I Believe God” is written and produced by acclaimed songwriter, musician, and her husband, Ernest J. Lee.  Their collaboration on "I Believe God" demonstrates the extraordinary synergy between two gifted creativeswho share a passion for excellence and ministry.•Her newest release “I Believe God,” is available on all digital outlets•LET'S TALK: GOSPEL MUSIC GOLD RADIO SHOW AIRS EVERY SATURDAY 9:00 AM CST / 10:00 AM EST ON WMRM-DB INTERNET RADIO STATION  AND WJRG RADIO INTERNET RADIO STATION 12:00 PM EST / 11:00 AM CST •There is a Let's Talk: Gospel Music Gold Facebookpage ( @LetsTalk2GMG ) where all episodes are posted as well.    •The Podcast and Radio shows are heard anywhere in the World on the Internet! •ANSONIA'S BOOK RELEASES•"If We Can Do It, You Can Too!"•“Legacy of James C. Chambers And his Contributions to Gospel Music History”•2026 MiPA Award wining "Molding a Black Princess"Order Information https://www.unsungvoicesbooks.com/asmithgibbs

Gregory Ricks discusses the complexities of Trump accounts, a new tax-deferred savings vehicle for children. Contributions include a one-time $1,000 seed from the federal government for children born between 2025 and 2028, individual contributions up to $5,000 annually (indexed for inflation), employer contributions up to $2,500 per year, and contributions from tax-exempt organizations without a limit. 

Individual retirement accounts (IRAs) are one of the most widely used retirement savings vehicles, yet many investors are unsure how they work. Mark Riepe breaks down IRA basics, including traditional IRAs, Roth IRAs, contribution limits, tax advantages, withdrawal rules, and eligibility requirements. He also explains key differences between IRA types and offers a framework for evaluating which option may fit your retirement-planning goals. Whether you're opening your first IRA or comparing retirement account options, this episode provides a practical guide to understanding the fundamentals. After you listen: Read the article "What Is an IRA? Traditional, Roth, and Other Types of IRAs." Learn more about IRAs and what to consider for your retirement planning. Financial Decoder is an original podcast from Charles Schwab.  If you enjoy the show, please leave us a rating or review on Apple Podcasts. Reach out to Mark on X @MarkRiepe with your thoughts on the show. Follow Financial Decoder on Spotify to comment on episodes. Important Disclosures This material is intended for general informational and educational purposes only. This should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned are not suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decisions. All expressions of opinion are subject to change without notice in reaction to shifting market, economic or political conditions. Roth IRA conversions require a 5-year holding period before earnings can be withdrawn tax free and subsequent conversions will require their own 5-year holding period. In addition, earnings distributions prior to age 59 1/2 are subject to an early withdrawal penalty. Withdrawals and distributions of taxable amounts are subject to ordinary income tax and, if made prior to age 59½, may be subject to an additional 10% federal income tax penalty, sometimes referred to as an additional income tax.  You generally have to start taking required minimum distributions (RMDs) no later than April 1st of the year following the calendar year you reach age 73 or retire, whichever is later. If you were born on or before June 30, 1949, the required minimum distribution age is 70½. If you were born after June 30, 1949 and before January 1, 1951, the required minimum distribution age is 72. If you own 5% or more of the business sponsoring the Plan, other provisions may apply. Refer to your Plan document for details. However, you are not required to take a minimum distribution from your Roth accounts during your lifetime. A rollover of retirement plan assets to an IRA is not your only option. Carefully consider all of your available options, which may include but not be limited to keeping your assets in your former employer's plan; rolling over assets to a new employer's plan; or taking a cash distribution (taxes and possible withdrawal penalties may apply). Prior to a decision, be sure to understand the benefits and limitations of your available options and consider factors such as differences in investment-related expenses, plan or account fees, available investment options, distribution options, legal and creditor protections, the availability of loan provisions, tax treatment, and other concerns specific to your individual circumstances. Investing involves risk, including loss of principal. ​Past performance is no guarantee of future results. The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc. 0826-RTYC Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Please consider how you can be faithful to the Lord Jesus Christ through your financial support to the continued work of His Church in this time. Contributions can be made by PayPal by visiting our website ( faithbiblepres.org ) or by mailing your contribution to: Faith Bible Presbyterian Church 3001 Marian Dr. Trenton Mi 48183 "The Pastor ought to have two voices: one, for gathering the sheep; and another, for warding off and driving away wolves and thieves. The Scripture supplies him with the means of doing both." ~ John Calvin (July 10, 1509 - May 27, 1564). "My sheep hear My voice, and I know them, and they follow Me." ~ NKJV John 10:27 "Satan's greatest success is in making people think they have plenty of time before they die to consider their eternal welfare" ~ John Owen (1616 - August 1683). "For the word of God and testimony of Jesus Christ." ~ NKJV Rev. 1:9 Fᴀɪᴛʜ Bɪʙʟᴇ Pʀᴇsʙʏᴛᴇʀɪᴀɴ Cʜᴜʀᴄʜ ~ Tʀᴜᴇ Worship & Aᴜᴛʜᴇɴᴛɪᴄ Fᴇʟʟᴏᴡsʜɪᴘ ~ Faith Bible Presbyterian Church is a Bible believing and Christ honoring church that is committed to teaching|preaching the Word of God with diligence and authority. We stand for the historic Christian faith, and we welcome you to our services of worship. Won't you join us? faithbiblepres.org

Please consider how you can be faithful to the Lord Jesus Christ through your financial support to the continued work of His Church in this time. Contributions can be made by PayPal by visiting our website ( faithbiblepres.org ) or by mailing your contribution to: Faith Bible Presbyterian Church 3001 Marian Dr. Trenton Mi 48183 "The Pastor ought to have two voices: one, for gathering the sheep; and another, for warding off and driving away wolves and thieves. The Scripture supplies him with the means of doing both." ~ John Calvin (July 10, 1509 - May 27, 1564). "My sheep hear My voice, and I know them, and they follow Me." ~ NKJV John 10:27 "Satan's greatest success is in making people think they have plenty of time before they die to consider their eternal welfare" ~ John Owen (1616 - August 1683). "For the word of God and testimony of Jesus Christ." ~ NKJV Rev. 1:9 Fᴀɪᴛʜ Bɪʙʟᴇ Pʀᴇsʙʏᴛᴇʀɪᴀɴ Cʜᴜʀᴄʜ ~ Tʀᴜᴇ Worship & Aᴜᴛʜᴇɴᴛɪᴄ Fᴇʟʟᴏᴡsʜɪᴘ ~ Faith Bible Presbyterian Church is a Bible believing and Christ honoring church that is committed to teaching|preaching the Word of God with diligence and authority. We stand for the historic Christian faith, and we welcome you to our services of worship. Won't you join us? faithbiblepres.org

Please consider how you can be faithful to the Lord Jesus Christ through your financial support to the continued work of His Church in this time. Contributions can be made by PayPal by visiting our website ( faithbiblepres.org ) or by mailing your contribution to: Faith Bible Presbyterian Church 3001 Marian Dr. Trenton Mi 48183 "The Pastor ought to have two voices: one, for gathering the sheep; and another, for warding off and driving away wolves and thieves. The Scripture supplies him with the means of doing both." ~ John Calvin (July 10, 1509 - May 27, 1564). "My sheep hear My voice, and I know them, and they follow Me." ~ NKJV John 10:27 "Satan's greatest success is in making people think they have plenty of time before they die to consider their eternal welfare" ~ John Owen (1616 - August 1683). "For the word of God and testimony of Jesus Christ." ~ NKJV Rev. 1:9 Fᴀɪᴛʜ Bɪʙʟᴇ Pʀᴇsʙʏᴛᴇʀɪᴀɴ Cʜᴜʀᴄʜ ~ Tʀᴜᴇ Worship & Aᴜᴛʜᴇɴᴛɪᴄ Fᴇʟʟᴏᴡsʜɪᴘ ~ Faith Bible Presbyterian Church is a Bible believing and Christ honoring church that is committed to teaching|preaching the Word of God with diligence and authority. We stand for the historic Christian faith, and we welcome you to our services of worship. Won't you join us? faithbiblepres.org

Please consider how you can be faithful to the Lord Jesus Christ through your financial support to the continued work of His Church in this time. Contributions can be made by PayPal by visiting our website ( faithbiblepres.org ) or by mailing your contribution to: Faith Bible Presbyterian Church 3001 Marian Dr. Trenton Mi 48183 "The Pastor ought to have two voices: one, for gathering the sheep; and another, for warding off and driving away wolves and thieves. The Scripture supplies him with the means of doing both." ~ John Calvin (July 10, 1509 - May 27, 1564). "My sheep hear My voice, and I know them, and they follow Me." ~ NKJV John 10:27 "Satan's greatest success is in making people think they have plenty of time before they die to consider their eternal welfare" ~ John Owen (1616 - August 1683). "For the word of God and testimony of Jesus Christ." ~ NKJV Rev. 1:9 Fᴀɪᴛʜ Bɪʙʟᴇ Pʀᴇsʙʏᴛᴇʀɪᴀɴ Cʜᴜʀᴄʜ ~ Tʀᴜᴇ Worship & Aᴜᴛʜᴇɴᴛɪᴄ Fᴇʟʟᴏᴡsʜɪᴘ ~ Faith Bible Presbyterian Church is a Bible believing and Christ honoring church that is committed to teaching|preaching the Word of God with diligence and authority. We stand for the historic Christian faith, and we welcome you to our services of worship. Won't you join us? faithbiblepres.org

Their downtown was dying, then they did this. In this episode, I am honored to connect with Dabney Sanders, the outgoing Project Manager responsible for helping pull together this fantastic four-mile Downtown Greenway in Greensboro, North Carolina.Helpful Links (note that some may include affiliate links to help me support the channel):

You just invested in the latest feedback tool, the best collaboration platform, the smartest productivity software. And nothing changed. Not because the tools are bad — but because you're still measuring the wrong things. You're still rewarding the visible. You're still missing the people who quietly hold your organization together. The future of work isn't about better tools. It's about measuring what actually matters. And what actually matters — reliability, leadership, attitude, the intangibles that move teams — has been invisible to your reward systems for too long. Jess Dewell talks with Jacob Chase, Founder & CEO of The INFIN, on how organizations can stop chasing innovation for innovation's sake and start measuring the human contributions that technology can't replace. Jacob has built systems that capture what traditional evaluation misses: the peer-recognized strengths that drive real organizational change. In this episode, you'll discover: Why innovative tools fail to drive change — and the real hurdle isn't the technology, it's understanding how people actually want to work. How to build feedback systems that tell you the truth — and why anonymity and safety are non-negotiable for honest insights. Why it's time to redesign your entire measurement and reward infrastructure — not just tweak the old system. How autonomy, initiative, and transparent reward systems create sustainable growth without chaos. Why real-time, continuous feedback outperforms annual reviews — and what that looks like in practice. How to measure the intangibles — leadership, reliability, attitude — that have the biggest impact on team performance. What a decentralized feedback system can capture that traditional metrics miss entirely. It is BOLD to reimagine culture and measuring formerly intangible value for all stakeholders. The organizations winning today aren't the ones with the fanciest tools. They're the ones measuring what matters. They're recognizing contributions that numbers alone can't capture. They're willing to look beyond job titles and formal roles to see who's actually driving value. They've built systems where peer recognition and transparent rewards amplify the strengths that move culture forward. The disconnect between tools and culture is growing. Companies invest heavily in platforms for feedback but still rely on outdated evaluation methods. They claim to value collaboration but reward individual achievement. They say culture matters but measure only output. That gap is costing you talent, innovation, and resilience. If your feedback systems feel disconnected from reality, if your best people aren't getting recognized for their true contributions, or if you're wondering how to measure the intangible qualities that are actually holding your team together, this conversation will reorient what's possible. —--------- If you're ready to build the kind of business that doesn't just survive uncertainty but leads through it, check out the Driving Solutions Strategic Intensive program, designed to support leadership teams through high-stakes strategic decisions.    --------------------   You can get in touch with Jess Dewell on Twitter,  LinkedIn or Red Direction website.

In this episode of ACM ByteCast, host Juan Miguel de Joya welcomes 2025 ACM Luiz André Barroso Award recipient Ricardo Baeza-Yates, the Search Chief Scientist at You.com, holding part-time professor appointments at KTH Royal Institute of Technology (Sweden), Universitat Pompeu Fabra (Spain), and Universidad de Chile. The award recognizes his pioneering contributions to algorithms and information retrieval as well as his leadership in fostering a vibrant transnational research community across Latin America. Baeza-Yates is widely regarded as one of the world's foremost researchers in information retrieval, celebrated especially for pioneering innovative data structures that have shaped the field. His work has produced influential algorithms for string searching and fuzzy matching, including the well-known Shift-Or algorithm. As a practitioner, Baeza-Yates served as VP of Research for Yahoo Labs, secured 14 patents, and co-founded several startups in Chile and Spain, including Theodora AI, devoted to mitigating technological bias. Among his honors, he received the CLEI Distinction for Contributions to Computing in Latin America in 2009, the Spanish “Ángela Ruiz Robles” Award for research excellence and entrepreneurship in applied computing in 2018, the 2024 Chilean National Prize for Applied Sciences and Technology, and the first Merit Award from the Chilean Computing Science Society in 2025. Ricardo is a member of Academia Europaea, and a Fellow of ACM and IEEE. He is the co-author of Modern Information Retrieval, which became the field's most cited textbook. Ricardo shares his unconventional path into computing, from influential teachers to his discovery of the mathematical and logical beauty of algorithms. He discusses his current research, which focuses on evaluating AI by examining failures, harm, and risk rather than simply measuring success, since errors can have profound consequences in fields like medicine and law, where users may not have the expertise to recognize errors. He advocates for combining reliable search with AI to provide AI agents with accurate, trustworthy information. The conversation also explores the limitations and social consequences of increasingly replacing traditional search with AI-generated responses, including the risk of "cognitive offloading." Ricardo also shares his views on how AI is shifting computer science, offers advice for future AI developers, highlighting ACM's principles for responsible computing, and advocates for more inclusion of Latin American perspectives in computing and AI.

Episode #308!The Business of Life Master Class Podcasthttps://www.facebook.com/TheBusinessOfLifeMasterClassInstagram: @thebusinessoflifemasterclassTwitter/X: @ClassTBOLGuest Walk on / Walk off Playlist (Spotify)Hosts: Debbie Lundberg & Barbara Zantwww.debbielundberg.com - Presenting Powerfully - 813-494-4438Facebook/Twitter/X/Instagram: @debbielundbergTikTok: @DebbieLundbergCoachInstagram for Barb Zant: @thestayatworkmomTonya BaradaranFun Speech Journey - Instagram - LinkedIn - Youtube - Spectrum of Cars - Facebook - Amazon - Voyage Dallas Digital Engineer: Brianna ConnollyMusic: www.bensound.comMusic by AlexiAction from Pixabay - License code: CBKCX3HKZL8FJ2CMSend us Fan MailSupport the showThe Business of Life Master Class Podcast. Listen. Choose. Do! 

The Watership Down Podcast is intended for listeners who are familiar with the plot. There will be spoilers. This episode is scripted, narrated, recorded and edited by Newell Fisher.Contributions to upcoming episode:thewatershipdownpodcast@outlook.com NEW RSS.COM FEED:https://media.rss.com/thewatershipdownpodcast/feed.xmlOTHER LINKS: With thanks to Andrew Stevens:'Understanding Comics: The Hidden Art' by Scott McCloud: https://www.scottmccloud.com/2-print/1-uc/ Bob Cropman's website: https://watershipdownonline.co.uk/ Awards for the graphic novel:https://www.instagram.com/p/C97CumNRDA7/?igsh=dzJvZWtqN2oyOHdz https://www.instagram.com/p/DO5P__NjWTM/?igsh=MWdrb3o2bGs3emJ3cA== CONTACTS AND SOCIAL MEDIA: Email: thewatershipdownpodcast@outlook.com Social media: YouTube channel:https://youtube.com/@thewatershipdownpodcast?si=YW8NfnuwYuyOWhPVFacebook page:https://www.facebook.com/thewatershipdownpodcast The Watership Down Podcast Honeycomb on Facebook:https://www.facebook.com/groups/468458781496287/?ref=share Instagram:https://www.instagram.com/thewatershipdownpodcast?igsh=MWtlNjR5MDNrNGZzdw== Threads:https://www.threads.net/@thewatershipdownpodcast Bluesky:https://bsky.app/profile/watershipdpodcast.bsky.social Past charity appeals: Rabbit Welfare Association and Fund website:https://rabbitwelfare.co.uk/

•Michelle Lee is a dynamic Gospel artist whose soulful voice and heartfelt worship bring arefreshing presence to modern Christian music. Blending spirit-led vocals with contemporary songwriting, she creates music that uplifts, inspires and draws listeners closer to faith.•Her versatile performance background includes appearances at renowned venues such as Radio City Music Hall, The Appollo Theater and World Café Live at the Queen.  She has also performed with notable acts including Lougheed and the Memphis Mafia Bans and The Main Event Band.•Now stepping fully into her own spotlight, Michelle Lee continues to share her faith through powerful, spirit-filled performances that create meaningful connections with audiences.  With authenticity, joy and purpose at the center of her artistry, she remains committed to using her gifts to uplift others and shine a light through music.•Her newest release “RIGHT ON TIME” is available on all digital outlets•LET'S TALK: GOSPEL MUSIC GOLD RADIOSHOW AIRS EVERY SATURDAYWJRG RADIO INTERNET RADIO STATION 12:00 PM EST/ 11:00 AM CST •There is a Let's Talk: Gospel Music Gold Facebookpage ( @LetsTalk2GMG ) where all episodes are posted as well.    •The Podcast and Radio shows are heard anywhere in the World on the Internet! •ANSONIA'S BOOK RELEASES•"If We Can Do It, You Can Too!"•“Legacy of James C. Chambers And his Contributions to Gospel Music History”•2026 MiPA Award Winning "Molding a Black Princess"Order Information https://www.unsungvoicesbooks.com/asmithgibbs

Today's Prayer is Episode 4, of Season 4, Songs In The Night. Kathleen share an untitled poem which is actually a prayer. Also included is her song "Calling Me Home."Please subscribe so you can be notified when the next episode is available.* Subscribe to Kathleen's Newsletter: KathleenFowle.com* Contributions please: BuyMeACoffee.com/katsmusic* Kathleen's music downloads kathleenfowle.bandcamp.comAll music and content ℗©Two by Two Express (ASCAP) All Rights Reserved. International Copyright Secured. Music: I Have Found, Calling Me Home CCLI 5818055 & 5747315 No AI training permitted. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit kathleenfowle.substack.com/subscribe

Please consider how you can be faithful to the Lord Jesus Christ through your financial support to the continued work of His Church in this time. Contributions can be made by PayPal by visiting our website ( faithbiblepres.org ) or by mailing your contribution to: Faith Bible Presbyterian Church 3001 Marian Dr. Trenton Mi 48183 "The Pastor ought to have two voices: one, for gathering the sheep; and another, for warding off and driving away wolves and thieves. The Scripture supplies him with the means of doing both." ~ John Calvin (July 10, 1509 - May 27, 1564). "My sheep hear My voice, and I know them, and they follow Me." ~ NKJV John 10:27 "Satan's greatest success is in making people think they have plenty of time before they die to consider their eternal welfare" ~ John Owen (1616 - August 1683). "For the word of God and testimony of Jesus Christ." ~ NKJV Rev. 1:9 Fᴀɪᴛʜ Bɪʙʟᴇ Pʀᴇsʙʏᴛᴇʀɪᴀɴ Cʜᴜʀᴄʜ ~ Tʀᴜᴇ Worship & Aᴜᴛʜᴇɴᴛɪᴄ Fᴇʟʟᴏᴡsʜɪᴘ ~ Faith Bible Presbyterian Church is a Bible believing and Christ honoring church that is committed to teaching|preaching the Word of God with diligence and authority. We stand for the historic Christian faith, and we welcome you to our services of worship. Won't you join us? faithbiblepres.org

Please consider how you can be faithful to the Lord Jesus Christ through your financial support to the continued work of His Church in this time. Contributions can be made by PayPal by visiting our website ( faithbiblepres.org ) or by mailing your contribution to: Faith Bible Presbyterian Church 3001 Marian Dr. Trenton Mi 48183 "The Pastor ought to have two voices: one, for gathering the sheep; and another, for warding off and driving away wolves and thieves. The Scripture supplies him with the means of doing both." ~ John Calvin (July 10, 1509 - May 27, 1564). "My sheep hear My voice, and I know them, and they follow Me." ~ NKJV John 10:27 "Satan's greatest success is in making people think they have plenty of time before they die to consider their eternal welfare" ~ John Owen (1616 - August 1683). "For the word of God and testimony of Jesus Christ." ~ NKJV Rev. 1:9 Fᴀɪᴛʜ Bɪʙʟᴇ Pʀᴇsʙʏᴛᴇʀɪᴀɴ Cʜᴜʀᴄʜ ~ Tʀᴜᴇ Worship & Aᴜᴛʜᴇɴᴛɪᴄ Fᴇʟʟᴏᴡsʜɪᴘ ~ Faith Bible Presbyterian Church is a Bible believing and Christ honoring church that is committed to teaching|preaching the Word of God with diligence and authority. We stand for the historic Christian faith, and we welcome you to our services of worship. Won't you join us? faithbiblepres.org

Please consider how you can be faithful to the Lord Jesus Christ through your financial support to the continued work of His Church in this time. Contributions can be made by PayPal by visiting our website ( faithbiblepres.org ) or by mailing your contribution to: Faith Bible Presbyterian Church 3001 Marian Dr. Trenton Mi 48183 "The Pastor ought to have two voices: one, for gathering the sheep; and another, for warding off and driving away wolves and thieves. The Scripture supplies him with the means of doing both." ~ John Calvin (July 10, 1509 - May 27, 1564). "My sheep hear My voice, and I know them, and they follow Me." ~ NKJV John 10:27 "Satan's greatest success is in making people think they have plenty of time before they die to consider their eternal welfare" ~ John Owen (1616 - August 1683). "For the word of God and testimony of Jesus Christ." ~ NKJV Rev. 1:9 Fᴀɪᴛʜ Bɪʙʟᴇ Pʀᴇsʙʏᴛᴇʀɪᴀɴ Cʜᴜʀᴄʜ ~ Tʀᴜᴇ Worship & Aᴜᴛʜᴇɴᴛɪᴄ Fᴇʟʟᴏᴡsʜɪᴘ ~ Faith Bible Presbyterian Church is a Bible believing and Christ honoring church that is committed to teaching|preaching the Word of God with diligence and authority. We stand for the historic Christian faith, and we welcome you to our services of worship. Won't you join us? faithbiblepres.org

Please consider how you can be faithful to the Lord Jesus Christ through your financial support to the continued work of His Church in this time. Contributions can be made by PayPal by visiting our website ( faithbiblepres.org ) or by mailing your contribution to: Faith Bible Presbyterian Church 3001 Marian Dr. Trenton Mi 48183 "The Pastor ought to have two voices: one, for gathering the sheep; and another, for warding off and driving away wolves and thieves. The Scripture supplies him with the means of doing both." ~ John Calvin (July 10, 1509 - May 27, 1564). "My sheep hear My voice, and I know them, and they follow Me." ~ NKJV John 10:27 "Satan's greatest success is in making people think they have plenty of time before they die to consider their eternal welfare" ~ John Owen (1616 - August 1683). "For the word of God and testimony of Jesus Christ." ~ NKJV Rev. 1:9 Fᴀɪᴛʜ Bɪʙʟᴇ Pʀᴇsʙʏᴛᴇʀɪᴀɴ Cʜᴜʀᴄʜ ~ Tʀᴜᴇ Worship & Aᴜᴛʜᴇɴᴛɪᴄ Fᴇʟʟᴏᴡsʜɪᴘ ~ Faith Bible Presbyterian Church is a Bible believing and Christ honoring church that is committed to teaching|preaching the Word of God with diligence and authority. We stand for the historic Christian faith, and we welcome you to our services of worship. Won't you join us? faithbiblepres.org

This is a teaser of the bonus episode, "A League by Choice?" found over on Patreon.A voluntary alliance can feel like freedom right up until the day you try to leave. After the Greek victory over Persia in 479 BC, more than a hundred islands and coastal city-states align themselves with Athens in what becomes the Delian League. We walk through why that choice makes sense at the time and why it isn't as simple as “Athens forced an empire on unwilling allies.” We start with the road not taken: Sparta. Even with its wartime prestige, Sparta's priorities stay anchored in the Peloponnese, its naval capacity is limited, and the helot system makes long overseas commitments dangerous. Add the reputational blow of Pausanias in Byzantium, and the eastern Aegean has every reason to look elsewhere for steady leadership. Athens, newly empowered by a fleet funded through the Laurean silver mines and proven in the Persian Wars, can actually patrol the Aegean Sea, protect trade routes, deter Persian interference, and speak to a shared Ionian identity many communities recognize. Then we track how the league's mechanics reshape its politics. Contributions shift from ships and crews to tribute, and what looks like a convenient budget choice slowly centralizes force, money, and decision-making in Athenian hands. The revolts of Naxos and Thasos show the turning point: joining may be voluntary, but withdrawal becomes a trigger for siege, disarmament, and lost autonomy. Even so, many allies stay because the benefits remain real and rebellion is costly and uncertain. If you care about ancient Greece history, the Delian League, and how security pacts evolve into empires, you'll find plenty to argue with here. Subscribe, share the episode with a friend, and leave a review with your answer: when does an alliance stop being a choice?Support the show

This is a conversation with Bike Streets founder Avi Stopper about how our cities can start building Bike Networks Now, not 30 years from now, using a Network First strategy.Helpful Links (note that some may include affiliate links to help me support the channel):

Richard Rosso & Jonathan McCarty explore some of the biggest retirement and investing questions facing Americans today. We examine how SECURE Act 2.0 is accelerating the "Rothification" of retirement savings, why catch-up Roth contributions remain a powerful planning tool, and what investors need to know about employer Roth matching and the long-term tax implications. We also tackle one of the hottest debates in retirement planning: Are dividend stocks really safer, or are investors being seduced by yield? We examine the arguments popularized by Dave Ramsey and Suze Orman, discuss whether dividends actually provide better retirement income, and explain why total return—not yield alone—should drive long-term investment decisions. Along the way, we'll discuss how today's market environment, disruptive technologies, and changing tax policies could reshape retirement planning for years to come. Plus, we preview our upcoming "Narrative Busters" series, where we challenge some of Wall Street's most widely accepted investment beliefs. 0:00 INTRO 0:19 - Butt stuff & Taxes 3:39 - MAHA & Homeopathy (Health & Wealth are Connected) 5:45 - Secure Act 2.0 & Rothification of America 9:53 - Do Not Stop Catch-up Contributions to Roths 12:58 - Putting Employer Matches in Roth accounts 14:15 - Dealing with Tax Implications (Bending Over) 15:45 - Temperature Technology 19:11 - Take the Pain of Taxes Now vs Later (Will They Tax Our Roths?) 20:23 - The Roth Saga of Peter Thiel 22:48 - The Tax Cascade is Coming 25:05 - Suze Orman, Dave Ramsey Rationale on Dividend Paying Stocks 27:58 - Dividend = Safety? 32:47 - Seduced by Yield 37:00 - If You Want Income... 39:15 - Impact of Disruptive Companies 40:39 - Narrative Busters tease (Which Ghost Buster is Who? Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP w Senior Investment Advisor, Jonathan McCarty, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: ------- Watch today's "Before the Bell" premarket commentary, "Is Market Leadership Changing?" https://youtu.be/-NtwWZUvZBA ------- Watch our previous show, "Winning Less, Investing Better" https://youtube.com/live/K-mLdepNr6Y?feature=share ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Candid Coffee, "Narrative Busters: Market Stories Investors Should Approach With Caution," Saturday, July 18, 2026: https://streamyard.com/watch/RfJtCj2byfDr --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #RetirementPlanning #RothIRA #DividendInvesting #TaxPlanning #FinancialPlanning

Business news rarely gets examined through the lens of category design, but when it does, the insights are striking. From charitable investing to the economic impact of the World Cup and the marketing brilliance of Black Rifle Coffee Company, a new way of thinking about business is emerging. At the center of one of the most compelling stories is Micron, a company that just made the largest corporate commitment of its kind to the Invest America program, seeding up to one million children’s investment accounts with $250 million. This is just one of the topics that Pirates Christopher Lochhead, Eddie Yoon and Bri Clark discuss on this episode of Pirate Street Journal. Each week, the Category Pirates pick three headlines worth paying attention to and break down the category underneath. You're listening to Christopher Lochhead: Follow Your Different. We are the real dialogue podcast for people with a different mind. So get your mind in a different place, and hey ho, let's go.   Micron and the Birth of Charitable Investing For over a century, philanthropy followed a predictable pattern. A billionaire writes a check, a foundation cuts a grant, and the money gets spent. Micron’s $250 million commitment to Invest America accounts breaks that pattern entirely. Instead of routing funds through a nonprofit or NGO, Micron is directly seeding investment accounts for up to one million children, turning them into shareholders in the S&P 500 from a very young age. What makes this genuinely different is the alignment of incentives. When Micron contributes stock into these accounts, every child who benefits now has a reason to care about Micron’s success. Both the company and the child are pulling in the same direction, which creates a virtuous cycle that traditional charitable giving has never been able to produce. This is charitable investing, and it is an entirely new category. The long-term implications are profound. If those dollars sit in an index fund and compound over 18 years at the S&P 500’s historical average of approximately 10% per year, the financial transformation for underprivileged communities could be generational. Micron is not handing out fish. It is teaching an entire generation how to fish.   Why the Old Model of Charitable Giving Is Broken Charitable giving, as a category, has deep structural problems that most people do not discuss openly. As organizations grow, they often become more focused on their own survival than on delivering value to the people they intend to help. Administrative overhead, bureaucratic inefficiency, and misaligned incentives mean that only a fraction of donated dollars actually reach those who need them most. The peer-to-peer structure of Invest America accounts eliminates that problem entirely. There is no NGO taking a cut along the way. Contributions go directly into governed investment accounts with clear rules about how and when the funds can be accessed. This direct model, made possible by the internet, is a harbinger of what charitable investing can look like at scale. Beyond efficiency, the greatest flaw in traditional charitable giving is that it creates dependency rather than capability. Micron’s approach forces financial literacy by making children stakeholders in the market itself. The account becomes a lived lesson in compounding, patience, and long-term thinking, skills that are rarely taught in schools, colleges, or even households.   What Micron’s Move Tells Us About the Future of Corporate Philanthropy Micron did not stumble into this decision. As a category king in the memory chip space, Micron understands that the most durable competitive advantages are built on ecosystem relationships, not just product performance. By seeding one million children’s investment accounts, Micron is building a generation of stakeholders who are emotionally and financially connected to the company’s future. This is a model that other major corporations are likely to follow. When the incentives are aligned this clearly, and when the marketing and goodwill benefits are this visible, it becomes increasingly difficult for other companies to justify staying on the sidelines. The prediction is straightforward: the category of charitable investing will grow steadily as the limitations of traditional charitable giving become harder to ignore. The Invest America program, championed by Brad Gerstner and now powered by commitments from Micron and others like SpaceX president Gwynne Shotwell, is showing the country what it looks like when capital is deployed with purpose and precision. Micron’s $250 million is not just a donation. It is a category-defining move that could reshape the entire landscape of corporate philanthropy for decades to come. To hear about the other topics in this week's The Pirate Street Journal, download and listen to this episode. You can also read more Pirate Street Journal entries in the Category Pirates newsletter.   We hope you enjoyed this episode of Christopher Lochhead: Follow Your Different™! Christopher loves hearing from his listeners. Feel free to email him, connect on Facebook, X (formerly Twitter), LinkedIn, and subscribe on Apple Podcast / Spotify!

Get the facts, without the spin. UNBIASED offers a clear, impartial recap of US news, including politics, elections, legal news, and more. Hosted by lawyer Jordan Berman, each episode provides a recap of current political events plus breakdowns of complex concepts—like constitutional rights, recent Supreme Court rulings, and new legislation—in an easy-to-understand way. No personal opinions, just the facts you need to stay informed on the daily news that matters. If you miss how journalism used to be, you're in the right place. In today's episode: 1. Listener Q&A Re: Fourth of July Festivities (0:39) What Was the Turnout at the Great American State Fair? (1:23) Was America250 Gutted to Fund Freedom250? (4:29) Who Was the Group Marching in DC with Confederate Flags? (12:33) 2. America250 Buries Time Capsule with Contributions from the States, the Federal Government, and More (~23:31) 3. Speaker Johnson Says House Will Try to Pass SAVE America Act Via Budget Reconciliation (~27:03) 4. President Trump Calls FIFA President and Asks for Red Card Penalty to Be Reviewed. Here's What We Know. (~31:50) 5. Quick Hitters (~38:13) 6. Critical Thinking Segment (~39:25) ⁠Watch⁠ this episode on YouTube. Follow Jordan on ⁠Instagram⁠ and ⁠TikTok⁠. All sources for this episode can be found ⁠here.⁠  Thanks to Ground News for sponsoring the show! Only by using my link, you can get 40% off the unlimited access Vantage plan! Go to groundnews.com/up. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Elizabeth Blackwell was born in London in the early 18th century, and was known in her lifetime for her achievements as a botanical illustrator. Research: “A Genuine Copy of a Letter &c.” Stockholm, August 20. H. Carpenter in Fleet Street, 1747. https://books.google.com/books/about/A_Genuine_Copy_of_a_Letter_from_a_Mercha.html?id=EPRbAAAAQAAJ Alexander, Isabella and Cristina S. Martinez. “2. The First Copyright Case under the 1735 Engravings Act: 
The Germination of Visual Copyright?” From Circulation and Control: Artistic Culture and Intellectual Property in the Nineteenth Century. Marie-Stéphanie Delamaire and Will Slauter, editors. https://doi.org/10.11647/OBP.0247 Beharrel, Will. “Elizabeth Blackwell's Curious Herbal.” The Linnean Society. 7/28/2021. https://www.linnean.org/news/2021/07/28/elizabeth-blackwells-curious-herbal Blackwell, Elizabeth (1737). A Curious Herbal. Containing Five Hundred Cuts of the most useful Plants, which are now used in the Practice of Physick. Engraved on folio Copper Plates, after Drawings, taken from the Life. By Elizabeth Blackwell. To which is added a short Description of ye Plants; and their common Uses in Physick. London: Printed for Samuel Harding in St Martin’s Lane, MDCCXXXVII (1737) Rubenstein QK99.A1 B53 1737 folio v.1 c.1. Scan of preface. https://blogs.library.duke.edu/rubenstein/files/2022/10/blackwell-preface-scaled.jpg Bruce, James. “Lives of Eminent Men of Aberdeen.” Aberdeen. The University Press. 1841. https://archive.org/details/b33028722/ Chelsea Physic Garden. “Curious Herbal; Curious Tale.” Newsletter. Spring-Summer 2005. Child, Lydia Maria. “Biographies of Good Wives.” Boston: Munroe & Francis. 1850. https://archive.org/details/biographiesofgoo00chil_0 Elliott, Brent. “The World of the Renaissance Herbal.” Renaissance Studies. Vol. 25, No. 1. February 2011. Via JSTOR. https://www.jstor.org/stable/24420235 Evenden, Doreen A. "Blackwell [née Simpson], Elizabeth (1699–1758), botanical author and artist." Oxford Dictionary of National Biography. August 08, 2024. Oxford University Press. Date of access 18 Jun. 2026, https://www.oxforddnb.com/view/10.1093/ref:odnb/9780198614128.001.0001/odnb-9780198614128-e-2540 Grosjean, A. N. L. "Blackwell, Alexander (bap. 1709, d. 1747), agricultural improver and government agent in Sweden." Oxford Dictionary of National Biography. June 08, 2023. Oxford University Press. Date of access 18 Jun. 2026, https://www.oxforddnb.com/view/10.1093/ref:odnb/9780198614128.001.0001/odnb-9780198614128-e-2539 Huler, Scott. “A Beautiful Find.” Duke Mag. 9/5/2023. https://dukemag.duke.edu/stories/beautiful-find Madge, Bruce. “Elizabeth Blackwell—the forgotten herbalist?” Health Information & Libraries Journal, 18: 144-152. https://doi.org/10.1046/j.1471-1842.2001.00330.x Monroe, Nicky. “Elizabeth Blackwell’s Curious Herbal.” RHS Libraries and Collections. https://www.rhs.org.uk/education-learning/libraries-at-rhs/articles/elizabeth-blackwell Newman, Joyce. “Will The Real Elizabeth Blackwell Please Stand Up?” New York Botanical Garden. 7/1/2013. https://www.nybg.org/blogs/plant-talk/2013/07/exhibit-news/will-the-real-elizabeth-blackwell-please-stand-up/ O’Keeffe, Lynda. “Guest post by Lynda O’Keeffe – A Curious Herbal Elizabeth Blackwell’s Pioneering Masterpiece of Botanical Art.” All Things Georgan. 3/8/2024. https://georgianera.wordpress.com/2024/03/08/guest-post-by-lynda-okeeffe-a-curious-herbal-elizabeth-blackwells-pioneering-masterpiece-of-botanical-art/ Pardoe, Heather and Maureen Lazarus. “Images of Botany: Celebrating the Contribution of Women to the History of Botanical Illustration.” Collections: A Journal for Museum and Archives Professionals, Volume 14, Number 4, Fall 2018, pp. 545–566. RHS Digital Collections. “Elizabeth Blackwell's Curious Herbal.” https://collections.rhs.org.uk/collection/111276 Royal College of Physicians of Edinburgh. “Elizabeth Blackwell: Prison, Plotting and the Curious Herbal.” https://www.rcpe.ac.uk/heritage/heritage-blog/elizabeth-blackwell-prison-plotting-and-curious-herbal Shirk, Henrietta Nickels. “Contributions to Botany, the Female Science, by Two Eighteenth-century Women Technical Communicators.” Technical Communication Quarterly. Vol. 6, No. 3. Summer 1997. Tyson, Janet Stiles. “Introducing Elizabeth Blackwell to Hans Sloane.” British Library Untold Lives Blog. 5/18/2021. Via Archive.org. https://web.archive.org/web/20210619032948/https://blogs.bl.uk/untoldlives/2021/05/introducing-elizabeth-blackwell-to-hans-sloane.html Tyson, Janet Stiles. “The Rubenstein Library’s disruptive copy of A Curious Herbal.” 11/14/2022. https://blogs.library.duke.edu/rubenstein/2022/11/14/a-curious-herbal/ Tyson, Janet. “'A Curious Herbal' as Material Witness.” The Linnean Society. 1/10/2023. https://www.linnean.org/news/2023/01/10/a-curious-herbal-as-material-witness See omnystudio.com/listener for privacy information.