Podcasts about contributions

Joe Anderson, CFP® and Big Al Clopine, CPA tackle the fears that mess with even the best-laid financial plans, today on Your Money, Your Wealth® podcast 552. Big Wallet Barbie and Ken from the Midwest have saved millions, but Barbie's still worried about retiring early, buying a new house, and converting to Roth. Is she second-guessing her plans? The fellas spitball for Dan from Florida, who's flying high in the 35% tax bracket and trying to decide between Roth 401(k) contributions and future Roth conversions. They also float a surprising idea - one that's rare on YMYW - for a listener from Chicago who is FIRE'd Up about Roth vs. pre-tax and making a tax-smart wealth transfer. We'll wrap up with a couple of your comments. Free Financial Resources in This Episode: https://bit.ly/ymyw-552 (full show notes & episode transcript) Emotionless Investing Guide The Truth About Your Love/Hate Relationship With Money - YMYW TV Financial Blueprint (self-guided) Financial Assessment (Meet with an experienced professional) REQUEST your Retirement Spitball Analysis DOWNLOAD more free guides READ financial blogs WATCH educational videos SUBSCRIBE to the YMYW Newsletter   Connect With Us: YouTube: Subscribe and join the conversation in the comments Podcast apps: subscribe or follow YMYW in your favorite Apple Podcasts: leave your honest reviews and ratings   Chapters:  00:00 - Intro: This Week on the YMYW Podcast 00:49 - Big Wallet Barbie and Ken's Roth Conversion, Retirement, and Home Purchase Strategy (Barbie Mattel, Midwest) 08:58 - Roth 401(k) Contributions or Roth Conversions? Flying High in the 35% Tax Bracket (Dan, FL) 17:23 - High-Earners Planning FIRE and Wealth Transfer: Roth, Pre-Tax… Life Insurance? (FIRE'd Up, Chicago) 29:56 - Correction on Spousal Social Security Benefits After the Fairness Act (Cindy) 33:37 - Follow Up: The Kids Are Pretty Alright (Lucas, MN) 34:44 - Outro: Next Week on the YMYW Podcast

Jim and Chris discuss listener questions on spousal Roth IRA eligibility, backdoor Roth contributions using a solo 401k, Social Security timing, post-tax contributions to an IRA and 401k , and an HSA strategy coordinating withdrawals with Roth conversions.(9:30) George asks whether he can contribute to a spousal Roth IRA after his retirement if his wife […] The post Spousal Roth, Backdoor Roth, Social Security, Post-Tax Contributions, HSA Strategy: Q&A #2542 appeared first on The Retirement and IRA Show.

In this episode, I speak with one of my professors here at the University of Florida! Dr. Auletta has a diverse research background in social spider group dynamics, spider neurobiology, and even the beloved Embiopterans! Now, Dr. A is an Assistant Instructional Professor here at the UF Entomology & Nematology Dept! Hope you all enjoy this one!Join our community on Patreon! https://patreon.com/Lildudes?utm_medium=unknown&utm_source=join_link&utm_campaign=creatorshare_creator&utm_content=copyLinkLil Dudes Insect Academy is a non-profit dedicated to teaching the world about the amazing world of Insects (Entomology). We do this through workshops, classes, courses, resources, and online content! We have a free, family-friendly Podcast where Bradon talks with Entomologists, and we also have a Bug of the Week Series on YouTube!Website: lildudesinsectacademy.comDonate to the Academy: https://www.lildudesinsectacademy.com/donate.htmlFind our free Podcast here: https://www.lildudesinsectacademy.com/media/podcast.html✌️Follow us on:Facebook: https://www.facebook.com/lildudesinsectacademyInstagram: https://www.instagram.com/lil.dudes.insect.academy/Twitter: https://twitter.com/lildudesacademyYouTube: https://www.youtube.com/channel/UCDJx_th0guulNsJPE_75sDgLil Dudes Insect Academy is proud to be registered as a 501(c)(3) non-profit organization. Our mission is to educate anyone and everyone about the amazing world of Entomology, which is the gateway to all the sciences. Contributions to Lil Dudes Insect Academy are tax deductible, to the extent permitted by law. Our Tax ID is: 86-1976172entomology podcast, spider biology, arachnology, spider neurobiology, social spiders, animal behavior, insect research, arthropod science, evolutionary biology, field biology, neurobiology of spiders, sensory systems in invertebrates, animal cognition, brain and behavior, biological research, lab research stories, neuroscience podcast, science communication, being a professor, life in academia, academic research, higher education insights, university teaching, science education, professor interviews, research mentorship, academic career advice, AI in the classroom, artificial intelligence in education, technology in teaching, AI and learning, digital tools for scientists, future of education, AI ethics in academia, science podcast, biology podcast, educational podcast, STEM podcast, interviews with scientists, behind the research, stories from scientists, science communication podcast, exploring nature and science

In this episode of 'A Shot in The Arm Podcast,' host Ben Plumley reconnects with his longtime friend and colleague, Andy Seale from the World Health Organization. The conversation spans decades of their personal and professional journeys across global health, with a primary focus on HIV, TB, and malaria. Ben and Andy discuss the challenges and triumphs of their work, including Andy's experience with HIV diagnosis and the global fight against pandemics such as Ebola. They also tackle critical issues like WHO's evolving role in global health, the impacts of reduced funding, and the necessity for integration with broader policy fields like security and economics. The transcript also reveals Andy as an enthusiastic fan of Taylor Swift, humorously contrasting with Ben's musical preferences. The episode highlights past collaborations, current challenges, and the future of global health in an unpredictable geopolitical landscape. 00:00 Introduction and Personal Update 01:43 A Special Guest: Andy Seale 02:42 The ERAS Tour: Reflecting on the Past 04:08 Growing Up During the HIV Epidemic 05:31 Early Careers and Professional Crossroads 09:48 Community and Personal Impact of HIV 20:53 Transition to Global Health Initiatives 23:54 Responding to Health Emergencies 29:51 The Role of Media and Communication 37:05 The Massive Effort and Global Fund 41:33 A Murder Mystery at the UN 42:29 Golden Era of Epidemic Responses 42:55 Roles and Contributions in UNAIDS and Global Fund 44:21 Challenges and Changes in Global Health 45:36 Sexual Orientation and Gender Identity Strategy 47:03 Integration and Sustainability in Health Services 51:19 Reflections on Global Health and WHO's Role 56:56 The Future of Global Health and Security 01:17:30 Concluding Thoughts and Optimism Join the Conversation! How do you see the future of global health unfolding? Share your thoughts in the comments! Ben's Colon, Meet Cancer Podcast https://www.youtube.com/playlist?list=PLW7yagTEtywrzqAXsYp8gYw3LJpjcnnSB Read Emily Bass' Substack: https://substack.com/@emilysbass Check Out Ben's Substack: https://substack.com/@benplumley1 Subscribe & Stay Updated: Listen on Spotify, Apple Podcasts, or your favorite podcast platform. Watch on YouTube & subscribe for more in-depth global health.

•Rev. Charles H. Nicks Jr. born in 1941 Lincoln, Nebraska.  Long before anyone even knew Charles Nicks, he was discovered by his family around the age of 2 years old. The family discovered it was young Charles who had gotten to the piano and played the song note for note his grandmother had previously played.  His family had a strong musical influence on him during his formative years.  At the ager of 16 he became the minister of music at his father's church.•Rev. Nicks accepted the call to ministry in the 1970's and once ordained he was appointed the Pastor of St. James Baptist Church in Detroit Michigan.  Under Rev. Nicks' leadership he grew the church membership, started several auxiliaries, formed several youth ministries, a scholarship fund to help youth of the church.  Not only was he an accomplished musician, organist, mentor he had a great personality which drew people from near and far.•Rev. Nicks was a co founder along with Rev. James Cleveland of the Gospel Music Workshop of America (GMAC).  •Rev. Nicks released his first recording in 1985 ‘Cometo Jesus' can be heard in many churches around the world on any given Sunday.•Many  of his recordings can be downloaded on most digital outlets.  And if you are into vinyl copies or cassettes they are found on various websites. ••Please send an email to Let's Talk: Gospel Music Gold  sharing your thoughts about this show segment; also, if you have any suggestions of future guests you would like to hear on the show. Send the email to ⁠⁠⁠letstalk2gmg@gmail.com⁠⁠⁠•Awarded a “Top Gospel Music Podcast” Badge from Feedspot which has named Let's Talk: Gospel Music Gold one of the Top 10 Gospel Music Podcasts on the web! •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 theWorld 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”•NEW RELEASE 2025•"Molding a Black Princess"Order Information https://www.unsungvoicesbooks.com/asmithgibbs

In this thought-provoking episode, host John C. Puritz sits down with Simon Calderbank — a coach, mentor, and speaker who works predominantly with women — to explore the fascinating dynamics between men and women, communication, and emotional understanding.Simon's unique perspective comes from being raised by three women, which deeply shaped his understanding of empathy, listening, and the emotional needs women often express in relationships and in life. Through this lens, Simon and John unpack what it really means for men to connect, support, and lead with authenticity and awareness.

Welcome to episode #1005 of Thinking With Mitch Joel (formerly Six Pixels of Separation). Every major leap in human connection starts as a simple question: what if? For Rouzbeh Yassini-Fard, that question led to the invention of the cable modem and the birth of broadband internet access as we know it. Often called the “father of the cable modem,” Rouzbeh is a visionary engineer and entrepreneur whose work transformed how billions of people access information. His new book, The Accidental Network, traces the improbable journey from an idea nobody believed in (“why would anyone want the internet at home?”) to the global infrastructure that now powers our economy, culture and daily life. In this conversation, he reflects on the messy, human side of innovation: the skeptics who dismissed broadband, the long nights building hardware that few thought possible, and the radical choice to make his breakthrough technology open-standard so the world could share it. Rouzbeh speaks with humility about how chance, persistence and purpose collided to shape the digital age, and how broadband became not just a business revolution but a social one, connecting homes, hospitals, schools and communities. He also wrestles with the moral dimension of progress, calling for a balance between capitalism and conscience as we enter an era defined by AI, environmental strain and “data as the new oil.” From the early chaos of coaxial cables to the moral complexity of modern networks, Rouzbeh's story is a reminder that technology's true purpose isn't speed or profit... it's improving the quality of life for everyone it touches. Enjoy the conversation… Running time: 1:00:46. Hello from beautiful Montreal. Listen and subscribe over at Apple Podcasts. Listen and subscribe over at Spotify. Please visit and leave comments on the blog - Thinking With Mitch Joel. Feel free to connect to me directly on LinkedIn. Check out ThinkersOne. Here is my conversation with Rouzbeh Yassini-Fard. The Accidental Network. Follow Rouzbeh on LinkedIn. Chapters: (00:00) - The Accidental Network: Origins and Vision. (06:00) - The Entrepreneurial Journey: Overcoming Naysayers. (12:07) - From Business Applications to Consumer Connectivity. (17:51) - The Open Standard Gamble: A Strategic Choice. (23:45) - Navigating the Dot Com Boom and Bust. (30:08) - The Rise of Broadband: Transforming the Cable Industry. (30:35) - The Journey of an Entrepreneur. (32:01) - Scaling and Selling the Company. (33:27) - Contributions to the Cable Industry. (36:11) - Philosophy of Innovation and Humanity. (39:11) - Data as a New Resource. (42:13) - Access as a Human Right. (43:26) - The Last Mile Challenge. (46:36) - Future of Connectivity. (50:02) - Centralized vs. Decentralized Networks. (54:07) - Environmental Considerations in Technology. (56:15) - Reflections on a Successful Career.

On this special HerMoney Mailbag episode, Jean Chatzky is joined by Morgan Housel, bestselling author of The Psychology of Money and The Art of Spending Money, to answer real questions from the HerMoney community.  From investing a lump sum at midlife to managing fear around paying off debt, Jean and Morgan dive into the emotions and strategy behind smart money moves. What You'll Hear In This Episode: Should I use my savings to pay off credit cards or keep the cash for peace of mind? How to invest a $60,000 lump sum after divorce What to do with “extra” money once you've maxed out retirement accounts Why your risk tolerance matters more than market trends How your money personality can shape your decisions, for better or worse

Ben Criddle talks BYU sports every weekday from 2 to 6 pm.Today's Co-Hosts: Ben Criddle (@criddlebenjamin)Subscribe to the Cougar Sports with Ben Criddle podcast:Apple Podcasts: https://itunes.apple.com/us/podcast/cougar-sports-with-ben-criddle/id99676

How do you make every dollar work harder for you? Richard Rosso breaks down the Hierarchy of Smart Savings Strategies — a smart, structured approach to prioritize where to save and invest for maximum growth and minimum taxes. This simple yet powerful framework helps you build wealth efficiently, protect against taxes, and optimize your financial future. 0:19 - Foundational Basis & Economic Conundrum 8:05 - Prioritizing Saving Money - Pay Yourself First 12:58 - How to Create a Tax Management Wave 15:50 - The Triple Tax Benefits of HSA's 18:39 - After-tax Contributions to 401k 21:04 - Investing & Spending 23:55 - Life Insurance applications

How do you make every dollar work harder for you?  Richard Rosso breaks down the Hierarchy of Smart Savings Strategies — a smart, structured approach to prioritize where to save and invest for maximum growth and minimum taxes. This simple yet powerful framework helps you build wealth efficiently, protect against taxes, and optimize your financial future. 0:19 - Foundational Basis & Economic Conundrum 8:05 - Prioritizing Saving Money - Pay Yourself First 12:58 - How to Create a Tax Management Wave 15:50 - The Triple Tax Benefits of HSA's 18:39 - After-tax Contributions to 401k 21:04 - Investing & Spending 23:55 - Life Insurance applications

In this video, R Jagannathan, former editorial director, Swarajya magazine, talks about Rajiv Malhotra, a visionary whose ideas continue to inspire many. Despite his immense impact, Rajiv Malhotra has not received the recognition he truly deserves. R Jagannathan expresses his regret over this and shares how Rajiv Malhotra's influence continues to grow and spread.Who Is Raising Your Children? - https://whoisraisingyourchildren.com/Battle For Consciousness Theory - http://battleforconsciousnesstheory.comSnakes in the Ganga - http://www.snakesintheganga.comVarna Jati Caste - http://www.varnajaticaste.comThe Battle For IIT's - http://www.battleforiits.comPower of future Machines - http://www.poweroffuturemachines.com10 heads of Ravana - http://www.tenheadsofravana.comTo support Infinity Foundation's projects including the continuation of such episodes and the research we do:इनफिनिटी फ़ौंडेशन की परियोजनाओं को अनुदान देने के लिए व इस प्रकार के एपिसोड और हमारे द्वारा किये जाने वाले शोध को जारी रखने के लिए: http://infinityfoundation.com/donate-2/

In this episode, I reconnect with Prof. Ruth Oldenziel from the Technical University in Eindhoven for a discussion about the global Cycling Cities Initiative, which kicked off in 2016 with the publication  of the Cycling Cities: The European Experience coffee table book, which I happen to have in my house. We talk about the maturation of the project, including the upcoming release of the Cycling Cities: The African Experience, as well as the first from North America, Minneapolis. Helpful Links (note that some may include affiliate links to help me support the channel):

Mike and Steve interviewed Erin Summers, a team reporter for the Saints and Pelicans. Summers discussed the impending return of Saints DE Chase Young, the play of the Saints' young secondary, and the team's rushing attack. She also shared her thoughts on K Blake Grupe, WR Rashid Shaheed, and the Pelicans' upcoming 2025-26 season. Mike, Steve, and Charlie played their weekly "Pick-Six" segment.

The first group of Norwegian immigrants arrived in the U.S. on a ship from Norway 200 years ago. And this week, Norway's Crown Prince Haakon, the heir to the Norwegian throne, is in Minnesota to recognize the unique ties the state has had to the country since 1825. On Tuesday, Haakon visited Norway House in Minneapolis. He was greeted by hundreds of community members waving Norwegian flags and he cut the ribbon for a library connecting Minnesotans with Norway. Sandy Ulsaker Wiese is board chair of the Norway House. She joined MPR News host Nina Moini to explain the significance of the Crown Prince's visit and how Norwegians have shaped Minnesota.

Are you age 50 or older and contributing extra to your 401(k), 403(b), or 457(b)? Big changes are coming to catch-up contributions that could affect your retirement planning—especially if you're a high-income earner.In this episode of The Grow Your Wealthy Mindset, I break down the IRS's final regulations on catch-up contributions under the SECURE 2.0 Act and what they mean for you starting in 2026.We'll cover:Who is considered a “high-income earner” and how that definition is determinedWhy all catch-up contributions will soon need to be Roth contributions (and what that means for your taxes)Projected contribution limits for 2026, including the special higher limits for ages 60–63How multiple employers, W-2 wages, and self-employment income affect eligibilityPractical strategies for adjusting your payroll contributions ahead of time These rules are complex—and a little confusing—so I'll walk you through the details step by step to help you plan with confidence. 

Christopher Smith (aka Yuvi Lightman, aka Ganesha 1024) is the founder of the Quantus network: an mbitious quantum-zk blockchain which he proudly built with his team in just 6 months, with a budget of $500k. In this episode we talk about the threat of quantum computing, how quantum resistant cryptography works, and how Bitcoin can be saved from a potential disaster. Time stamps: 00:01:31 - Introducing Christopher Smith (Yuvi Lightman), known on Soundcloud Music as Ganesha1024 00:02:22 - Quantis: Zero-Knowledge Quantum-Resistant Blockchain 00:02:39 - Christopher's Background, Early Bitcoin Involvement 00:03:41 - Current Views on Bitcoin, All-Time High at $125K 00:04:19 - Discovering Bitcoin in 2012, Contributions to BitcoinJ 00:04:36 - Founding BitMesh: Micropayments via Payment Channels 00:04:42 - Mike Hearn and Payment Channels 00:05:17 - Bitcoin Whitepaper Praise, Satoshi's Genius 00:05:55 - Essence of Money, Overcomplication Critique 00:06:49 - Bitcoin's Corporate Takeover, Cultural Ethos 00:08:38 - SegWit Changes, Big Block Debate 00:09:45 - Bitcoin Cash Sympathy, Shift to Ethereum 00:10:41 - Vitalik Buterin and Gavin Wood as Geniuses 00:10:53 - Lunar Startup: Blockchain Wikipedia with ICO 00:11:08 - Bitcoin Threats: Throughput, Privacy, Quantum Security 00:11:29 - Child Porn Blackmail Tactics in Debates 00:12:18 - Social Bottlenecks in Coordination 00:13:09 - BTC Token vs Network Separation via ETFs 00:14:06 - Proof of Keys Day by Trace Mayer 00:15:23 - No Trusted Third Parties Philosophy 00:16:04 - Cryptography as Military Tech 00:18:04 - Open Source Importance, ERC20 Simplicity 00:19:21 - BlackRock as Central Bank, Cult of Saturn Symbolism 00:20:17 - Bitcoin Threats: Throughput with Shai Reference 00:22:50 - Privacy and Zcash Praise 00:23:32 - Quantus as Bitcoin Fork with Falcon Signatures 00:24:50 - Solana as Big Blocker Inheritor 00:25:04 - Overton Window Constraints 00:26:41 - Quantus Timelines Skepticism, PsiQuantum Investment 00:28:14 - Ethereum Proof of Stake, Stablecoin Control 00:29:27 - Catholic Church Analogy, Satoshi's Time-Buying Quote 00:30:04 - Weaponized Schizophrenia Concept 00:31:09 - Schizophrenia as Catch-All, LSD Benefits 00:32:21 - False Positives/Negatives in Machine Learning 00:33:34 - Arbitrary Thresholds in Science/Medicine/Physics 00:34:46 - Autistic Definitions, Bitcoin Redefinition 00:36:25 - Douglas Hofstadter's Godel Escher Bach Inspiration 00:37:32 - Ads: Bitcoin.com News 00:38:39 - Citrea: ZK Rollup on Bitcoin 00:40:21 - BIP300 Drivechains by Paul Sztorc 00:41:53 - Hacker Ethos, L2 Complexity Critique 00:43:27 - Lightning Network Failures 00:44:22 - Open Source vs Closed Source Thought Experiment 00:47:00 - Check Phrase for Security 01:00:00 - Quantum Mechanics Wave Function Collapse 02:02:17 - Chris Doesn't Sound Like Typical Founder 02:02:50 - Quantus Features: Reversible Transactions 02:05:23 - Check Phrase Innovation 02:07:29 - HD Wallets for Lattice Cryptography, QIPs 02:08:46 - Pro-Social to Industry, Ethereum Ethos 02:09:00 - Ross Ulbricht on Blockchain Decentralization 02:10:00 - Bitcoin Maximalism Critique 02:10:34 - Satoshi on ZK Proofs Efficiency 02:11:01 - Grin Fair Launch, Kaspa DAG Innovation 02:12:16 - Zcash Innovations, ZK Snarks 02:13:25 - Libraries from Zcash, Fluffy Pony Dismissal 02:14:07 - Zcash Made ZK Practical 02:15:36 - Ethereum Net Positive Despite Mess 02:16:04 - Stablecoins as Freezable CBDCs 02:18:19 - Eye-Openers: Iran Banking Struggles, Argentina Tether Use 02:20:40 - COVID Psychology Lessons 02:22:27 - QE Money Printing Realization 02:23:33 - Legal vs Moral, COVID Non-Compliance 02:25:13 - Forgetting COVID Coercion 02:26:36 - Psychedelic Community Enforcement 02:27:47 - Nature's Cruelty 02:28:55 - Vaccine Divisions 02:30:02 - Each Vaccine Unique, Pavlov's Association 02:31:03 - Freedom License Concept 02:32:01 - Agency and Responsibility 02:34:05 - Frustrated Developers, Utility Missed 02:35:07 - User Adoption Challenges 02:36:01 - Funnel for Adoption, Co-Founder Complement 02:37:38 - Check Phrase for Wallets 02:39:04 - Plato on Politics 02:39:46 - Habeas Corpus History 02:40:40 - Optimism: Sunlight, World Complexity 02:41:36 - Manifesting Intentions 02:42:28 - Soundcloud Recommendation, Quantus Docs 02:43:02 - Music Like Pink Floyd's Great Gig in the Sky 02:44:47 - Amir Taaki 7-Hour Record 02:45:43 - Zooko's 6-Hour Interview 02:46:47 - WeaponizedSchizophrenia.com Blog 02:47:00 - Closing Words

Alex got her degree from the University of Notre Dame in 2022 after finishing her dissertation on the variation in brown adipose tissue thermogenesis and its effects on metabolic health markers in adults from Samoa. She is currently a postdoctoral fellow at Pennington Biomedical Research Center working on the Military Health and Nutrition Examinations Study (MHANES) (PI: Dr. Claire Berryman). In collaboration with the US Army Research Institute of Environmental Medicine, her work with MHANES examines how the interactions between environmental (i.e. temperature, altitude), behavioral (i.e. physical activity, nutrition, sleep), and physiological (i.e. body composition, energy expenditure, metabolic health markers) factors affect health and performance in active-duty service members. She frequently collaborate with colleagues on anthropological research projects focusing on the effects of physiological adaptations/adjustments to the extremes and is passionate about bringing anthropological perspectives to clinical and military-focused research. ------------------------------ Find the paper discussed in this episode: Sarma, M. S., Niclou, A. M., & Hurd, K. J. (2025). Methodologic Opportunities for Space Health Research: Integrating Biological Anthropology Methods in Human Research for Precision Space Health and Medical Data. Wilderness & Environmental Medicine, 36(1_suppl), 104S-112S. https://doi.org/10.1177/10806032251349436 ------------------------------ Contact Dr. Niclou: Alexandra.Niclou@pbrc.edu ------------------------------ Contact the Sausage of Science Podcast and Human Biology Association: Facebook: facebook.com/groups/humanbiologyassociation/, Website: humbio.org, Twitter: @HumBioAssoc Cara Ocobock, Co-Host, Website: sites.nd.edu/cara-ocobock/, Email:cocobock@nd.edu, Twitter:@CaraOcobock Anahi Ruderman, SoS Co-Producer, HBA Junior Fellow E-mail: aniruderman@gmail.com, Twitter: @ani_ruderman

Health insurance or health cost-sharing—which is the better fit for your family? With open enrollment upon us, it's the perfect moment to explore your choices. Joining me today is Lauren Gajdek to highlight the key differences between health insurance and health cost-sharing.Lauren Gajdek is the Senior Director of External Affairs at Christian Healthcare Ministries (CHM), an underwriter of Faith & Finance. The Landscape of Traditional Health InsuranceOpen enrollment season is right around the corner—running from November 1 through January 15, 2026. For most people, that means navigating the world of traditional health insurance. These plans typically require you to select doctors and specialists within a designated provider network, often necessitating referrals or pre-authorization before receiving care.While insurance companies provide coverage, their structure can come at a high cost. Premiums and deductibles are often steep, and because insurers operate for profit, patient care and affordability don't always align. For many families, this creates a significant financial burden.How Health Cost Sharing Is DifferentHealth cost-sharing ministries, such as CHM, offer a unique alternative. The end result is the same—your medical bills are taken care of—but the process looks very different.No provider networks: Members are free to choose their own doctors and hospitals.Nonprofit model: Unlike insurance companies, CHM is a ministry. Members send in a set monthly contribution, which is pooled together to reimburse medical costs.Community approach: Instead of being absorbed into a bureaucratic system, members know that their contributions directly help fellow believers in need.Since its founding, CHM has facilitated over $10 billion in shared medical bills.How Does Health Cost-Sharing Work?Here's how it works for a typical family:Choose your provider. Members can see any doctor or hospital as long as the treatment fits CHM's guidelines.Identify as self-pay. This allows members to receive significant discounts often, sometimes as high as 40%.Submit bills to CHM. The ministry coordinates with providers as needed. In the meantime, members may set up a temporary payment plan until reimbursement arrives.The process is straightforward, designed to give families peace of mind while also offering flexibility and savings.What to Keep in Mind During Open EnrollmentWhen weighing your options, consider more than just the monthly premium. Ask:How much am I actually paying out-of-pocket after deductibles, co-pays, and coinsurance?Will my coverage travel with me if I go out of state—or out of the country?With CHM, members don't face co-pays or coinsurance, and qualifying medical bills are shared 100% according to ministry guidelines. Additionally, portability makes it an appealing option for families who want flexibility, regardless of where life takes them.A Biblical Approach to HealthcareAt its core, CHM is more than a healthcare solution—it's a ministry. Members not only share medical expenses but also pray for one another and receive prayer support in return. Every monthly contribution is a gift that directly helps another member in need.CHM reflects biblical principles of bearing one another's burdens while providing a practical, affordable path to healthcare.To explore whether health cost sharing is right for your family this open enrollment season, visit CHMinistries.org/Faith.On Today's Program, Rob Answers Listener Questions:I'm refinancing my home and am unsure whether I should roll the closing costs into the new loan or pay them from my investments or retirement accounts. Rolling them into the loan would lower my monthly payment, but is that the wisest choice financially—and biblically?Could you explain where the funds actually come from with a reverse mortgage, who technically owns the home in this arrangement, and whether the FHA backs the loan?My wife and I recently took a required minimum distribution from her IRA and made a qualified charitable distribution to our church. They told us it wasn't tax-deductible and wouldn't issue a receipt. What does the IRS actually require in this situation?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Christian Healthcare Ministries (CHM)Understanding Reverse: Simplifying the Reverse Mortgage by Dan HultquistWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

n this episode of Dollars & Sense, hosts Kristin Castello and Chet Cowart dive into the hottest topics shaping your retirement future, including the latest proposed changes to 401k investment options and critical updates to catch-up contributions for those aged 50 and above. If you're curious about how alternative investments like crypto and private equity might soon enter your 401k, or how upcoming tax regulations could affect high earners, this episode has the answers you need to stay ahead. Kristin and Chet break down three main topics: Alternative Investments in 401ks: The current administration's push to add new choices to your 401k sounds appealing, but comes with risks, fees, and potential complications. Learn how these changes could impact your account—and what history has taught us about “too good to be true” investments. Major Tax Changes for High Earners: Starting in 2026, those earning $145,000 or more must put catch-up contributions in Roth accounts, losing some valuable tax deductions. Find out who's affected, what loopholes exist, and how to plan ahead to avoid nasty surprises on your tax bill. Consolidating Retirement Accounts: Should you roll your old 401ks and IRAs together? Get practical advice on direct transfers vs. 60-day rollovers, when consolidation makes sense, and which exceptions to watch out for—plus real-world client stories to illustrate what could go right or wrong. With lively banter, relatable client examples, and clear calls to action, Kristin and Chet make complex financial changes easy to understand—and actionable. Whether you're nearing retirement, a high earner facing new rules, or just looking to simplify your finances, you'll come away with smarter strategies for protecting your nest egg. Ready to take control of your retirement? Click to listen, get expert insights, and discover how Dollars & Sense can help you make the most of every opportunity—no matter where you are in your financial journey. 

Why do some toddlers nap like champs while others refuse entirely? In Part 1 of our Napping Spectacular, Craig and Arielle unpack what the science says about total sleep needs, how nap patterns change across infancy and early childhood, and the very real “art” of troubleshooting naps at home. We cover when to drop naps, how brain development (especially the hippocampus) affects nap transitions, what to do about short naps, and how to keep daytime sleep from stealing restorative overnight sleep. We also talk through safe approaches to contact naps and why it's normal for newborns to have unpredictable naps and periods of crying. Key takeaways Think in 24 hours: aim to balance daytime sleep with restorative overnight sleep. AASM consensus ranges: infants 4–12 mo (12–16 h), toddlers 1–2 y (11–14 h), preschoolers 3–5 y (10–13 h), school-age 6–12 y (9–12 h), teens 13–18 y (8–10 h). Nap transitions are tied to brain maturity; as memory systems develop, many preschoolers naturally nap less. Typical goals for many infants: at least two naps of ~1 hour each and ~10 hours overnight (individual needs vary). Independent sleep skills are the linchpin for extending naps beyond a single 30–45 minute sleep cycle. Watch sleepy cues, but remember boredom can masquerade as tiredness in older infants. Contact napping can be soothing, but it's risky if the caregiver is truly exhausted—prioritize safe sleep. Newborn naps are erratic; you can practice gentle routines, but you can't “schedule” a newborn. Consistency across naps and nights helps babies learn faster than a mix-and-match approach. Links CIO episode of the Sleep Edit Dr. Canapari's article on Le Pause Sleep training Period of purple crying Dr. Canapari's article on napping Dr. Canapari's article on sleep needs in children Arielle's website Chapters 00:00 Intro and disclaimer 01:10 Why naps feel harder than nights; personal stories 03:00 What parents often misunderstand about naps 04:00 How much sleep kids need (AASM consensus) 06:00 Why naps matter for mood and learning 06:40 Brain development and nap transitions (hippocampus) 07:00 Average nap duration by age; variability is normal 09:10 How many naps per day; typical progression through early childhood 12:00 Galland review; why transitions are tricky in real life 14:00 The “art” of troubleshooting naps 15:00 Naps vs. nights: balance the 24-hour total 18:00 Targets for infants; prioritizing overnight sleep 22:00 High vs. low sleep-need babies 23:00 Nap routines vs. bedtime routines; wind-down for toddlers 25:00 How to get longer naps: schedule fit and independent sleep 27:00 Evidence-based infant sleep tips (INSIGHT and SAAF principles) 29:00 Reading sleep cues without getting trapped by rigid schedules 30:30 Overtiredness vs. boredom; case example 34:00 Can you sleep-train for naps but not nights? Why consistency wins 36:00 Typical nap times by age; capping late naps 39:00 Newborn nap reality check 40:00 Contact napping and safety 42:00 Period of PURPLE Crying and parental stress 45:30 Wrap-up and preview of Part 2 References Paruthi S, Brooks LJ, D'Ambrosio C, et al. Consensus statement of the American Academy of Sleep Medicine on the recommended amount of sleep for healthy children: methodology and discussion. Journal of Clinical Sleep Medicine. 2016;12(11):1549-1561. Spencer RMC, Riggins T. Contributions of memory and brain development to the bioregulation of naps and nap transitions in early childhood. Proceedings of the National Academy of Sciences. 2022;119(11):e2114326119. Staton S, et al. Many naps, one nap, none: A systematic review and meta-analysis of napping patterns in children 0–12 years. Sleep Medicine Reviews. 2020;50:101247. Galland BC, Taylor BJ, Elder DE, Herbison P. Normal sleep patterns in infants and children: A systematic review of observational studies. Sleep Medicine Reviews. 2012;16(3):213-222. Horváth K. Spotlight on daytime napping during early childhood. Frontiers in Psychology. 2018;9:1238. Wolke D, Bilgin A, Samara M. Fussing and crying durations and prevalence of colic in infants: Systematic review and meta-analysis. The Journal of Pediatrics. 2017;185:55-61.e4. Lavner JA, Hohman EE, Beach SRH, Stansfield BK, Savage JS. Effects of a responsive parenting intervention among Black families on infant sleep: Secondary analysis of the Sleep SAAF randomized clinical trial. JAMA Network Open. 2023;6(3):e236276. Paul IM, Savage JS, Anzman-Frasca S, Marini ME, Mindell JA, Birch LL. INSIGHT Responsive Parenting Intervention and infant sleep. Pediatrics. 2016;138(1):e20160762. Contact Listener questions: sleepeditpod@gmail.com

Tunes: Advocates 5.2.22 Manuscript: The Laird of Ogle's, Tune # 8, 9 (Strathspey), 10 (Lochiel's Awa to France), 11 (The Black Mill), Jack has Got a Wife, Jack's Frolic, White Jock, Le Demoiselles, The School for Lovers, Cathal Brown: Gahagan's Frisk, The Humours Westmeath, James Aird: Jackson's Frolic, +X+X+ To Download Brian's Article Click here: https://www.patreon.com/file?h=140330775&m=542585391 Check out the Archive of Alternate Pipers of North America here: https://pipersgathering.org/apnaold/?pageid=1553 Check out Verdant Whistles here: https://www.irishflutestore.com/products/verdant-whistles?srsltid=AfmBOor8vrcJJgs8ymmlfAckxthB3VDDIiN2xFo5y_CZrqDeEfUOlqfo Sources: +X+X+ You can download the Patreon Tunebook this week: https://www.patreon.com/file?h=140330775&m=542604147 +X+X+ The Advocates' manuscript 5.2.22 is available online via Ross's Music Page: https://www.cl.cam.ac.uk/archive/rja14/music/index.html All the tunes (apart from Laird of Ogle's) Comes from PDF 1: https://www.cl.cam.ac.uk/archive/rja14/musicfiles/manuscripts/advocates1.pdf Laird of Ogle's Is in the 2nd PDF: https://www.cl.cam.ac.uk/archive/rja14/musicfiles/manuscripts/advocates2.pdf +X+X+ 1780s: Jackson's Frolic from Jame Aird's Collection https://archive.org/details/selectionofscotc01rugg/page/190/mode/2up +X+X+ FIN Here are some ways you can support the show: You can support the Podcast by joining the Patreon page at https://www.patreon.com/wetootwaag You can also take a minute to leave a review of the podcast if you listen on Itunes! Tell your piping and history friends about the podcast! Checkout my Merch Store on Bagpipeswag: https://www.bagpipeswag.com/wetootwaag You can also support me by Buying my Albums on Bandcamp: https://jeremykingsbury.bandcamp.com/ You can now buy physical CDs of my albums using this Kunaki link: https://kunaki.com/msales.asp?PublisherId=166528&pp=1 You can just send me an email at wetootwaag@gmail.com letting me know what you thought of the episode! Listener mail keeps me going! Finally I have some other support options here: https://www.wetootwaag.com/support Thanks! Listen on Itunes/Apple Podcasts: https://podcasts.apple.com/us/podcast/wetootwaags-bagpipe-and-history-podcast/id129776677 Listen on Spotify: https://open.spotify.com/show/5QxzqrSm0pu6v8y8pLsv5j?si=QLiG0L1pT1eu7B5_FDmgGA

Thank you so much for listening to the Bob Harden Show, celebrating over 14 years broadcasting on the internet. On Friday's show, we visit with Pacific Legal Foundation Senior Fellow William Yeatman about the government shutdown, and we opine about the probable endgame, including government employee terminations. We visit with Landmark Legal Foundation Vice President Michael O'Neill about the Supreme Court agenda for the next term which begins next week. We also visit with Professor Larry Bell about the life of Jane Goodall, who died this past week at age 91. We have terrific guests on Monday's show including historian Marc Schulman, AIER.org Senior Editor Jon Miltimore, and author Jim McTague. Access this or past shows at your convenience on my web site, social media platforms or podcast platforms.

President Trump's speech before the General Assembly has sparked debate over its style and substance, raising questions about UN organizations that do not serve American interests. As we continue to foot its ever-growing bill, the United Nations system appears to be failing in peacekeeping and security. How did Trump's speech signal a shift in our relationship with the international organization? When will the 180-day review be released? And what should it say about long-awaited UN reform?Brett D. Schaefer is a senior fellow at the American Enterprise Institute (AEI), where he focuses on multilateral treaties, peacekeeping, and the United Nations and international organizations. Before joining AEI, Mr. Schaefer was the Jay Kingham Senior Research Fellow in International Regulatory Affairs at the Heritage Foundation. Previously, he was a member of the United Nations Committee on Contributions and an expert on the UN Task Force for the United States Institute of Peace. Read the transcript here.Subscribe to our Substack here.

In this episode, I connect with Michael Lovato, a former professional triathlete and champion at the Ironman and Ironman 70.3 distances, for a conversation about Boulder real estate, quality of life measures, and how the Boulder Valley promotes and supports a culture of activity.Helpful Links (note that some may include affiliate links to help me support the channel):

Episode: 2905 Imagination's Contributions to Science and Technology, Developmental Psychology and Imagination.  Today, the gift of imagination.

JoAnn "Jo" Grensing, 64, of Meridian, Idaho, returned home to her heavenly father September 2, 2025. She was born January 14, 1961, in San Gabriel, California as the fourth daughter of Neva and Rollo Barrett.Her early years were spent in California and St. George, Utah, before the family eventually settled in Meridian, Idaho. JoAnn's kindness and caregiving nature were evident from an early age as personalities began to emerge among the children.A graduate of Meridian High School (1979), JoAnn excelled academically and sang joyfully in church, and in the school choir. After graduation, she attended beauty school, worked locally, and soon began an adventurous chapter working in motels in neighboring states. She later settled back in Idaho, where she became the proud mother of son, Everett, and daughter, Neva. Motherhood was her greatest joy, and she faced life's challenges with resilience, faith, and grace.In 1994, JoAnn met the love of her life, Larry Grensing, at an autumn church dance. Their connection was immediate, and they married that same December. Together, they blended their families with love, and Joann embraced her stepdaughter, Celina as her own. Joann's affection for family and her ability to nurture those around her defined her life.Her career reflected her natural gift for caretaking. She worked as a CNA and later as Director of Admissions at Capitol Care Center, always offering compassion and comfort to others. She also cared tenderly for her father and later her husband during their final years.After Larry's retirement, the couple moved to Garden Valley, where they cherished time in the mountains, enjoying nature, and building a life in their tight-knit community. They helped establish the Payette Forward thrift store, a non-profit that reflected their giving spirits. Though they later returned to Meridian for Larry's medical care, JoAnn continued to build lasting friendships with neighbors and her church community.After Larry's passing in 2021, JoAnn carried on with courage, drawing strength from her family, her faith, and the many relationships she cherished. She will always be remembered as a devoted wife, loving mother, beloved sister, and dear friend to many. Her radiant presence, kindness, and warmth touched all who knew her.JoAnn is survived by her children: Everett (Jeremy), Neva, and Celina (McQ); granddaughter, Hailee; siblings: Peggy, Mary, and Rollo; and her extended family who will miss her dearly. She was preceded in death by her husband, Larry, and parents.Send us a textThe family is seeking support to cover funeral and estate expenses. Contributions of any amount will be greatly appreciated. Thank you for your kindness and support. GOFUNDME: Support for JoAnn's Funeral Costs and LegacySupport the show

•The Family burst on the scene in the early 90's, with their debut album released by Kirk Franklin June 1993. This was also the debut album by Franklin in collaboration with his seventeen-voice formed choir, The Family.• This unique collection of individual singers gave birth to what we now know as Urban Contemporary Gospel Music. Itwas their unmistakable vocal style and flair that became ‘the sound' of the 1990's and early 2000's. Formerly known as Kirk Franklin & The Family, this iconic group lit up the charts and toured the world collecting multiple Grammy, Stellar, NAACP, & Dove Awards along the way. Their vocals were the backdrop of hits such as "Silver & Gold", "The Reason Why We Sing" and so many others.•The Sound of Gospel Music has evolved over the years, and from their days touring the country as Kirk Franklin & the Family, this aggregation of powerful singers has always been at the front of the pack! Their ground-breaking sound was the architect for the Gospel music explosion of the 1990's and 2000's. Seemingly lost in the ever-changing landscape of the who's who of Gospel music, they are now BACK toremind the world that JESUS is still the reason why they sing, just as their very 1st crossover hit song proclaimed many years ago!•Their current single ‘Jesus (I Love You Lord Today)' canbe heard on the brand-new chart-topping soundtrack from the Love Mountain film.•The Family's newest project “Together Forever” is dropping October 3, 2025 and will be available on all digital streaming outlets.••Please send an email to Let's Talk: Gospel Music Gold  sharing your thoughts about this show segment; also, if you have any suggestions of future guests you would like to hear on the show. Send the email to ⁠⁠⁠letstalk2gmg@gmail.com⁠⁠⁠ •Awarded a “Top Gospel Music Podcast” Badge from Feedspot which has named Let's Talk: Gospel Music Gold oneof the Top 10 Gospel Music Podcasts on the web! •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 •Follow the  Let's Talk: Gospel Music Gold Facebookpage ( @LetsTalk2GMG ) where all episodes are posted as well.    •The Podcast and Radio shows are heard anywhere in theWorld 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”•NEWEST RELEASE 2025•"Molding a Black Princess"Order Information https://www.unsungvoicesbooks.com/asmithgibbs

#DrKenyattaCavil #SportsLab #HBCUsports"Inside the HBCU Sports Lab" episode 717 with Doc, Mike, Charles, AD, Wilton and Steven J. Gaither discussing the latest in HBCU sports news; recapping HBCU Mid-Major Division football action and taking a look at this weekend's HBCU Football match-ups.00:00 - Intro; First segment -- HBCU news and sports; FAMU - Valley game will not be played in Atlanta24:23 - 1st commercial break27:22 - Second segment -- A recap at how the top 7 teams in the HBCU Mid-Major Top 7 fared last weekend41:55 - 2nd commercial break -- 44:41 - Third segment -- Unveiling this week's Top 7 HBCU Mid-Major teams56:21 - 3rd commercial break48:03 - Final segment -- Looking ahead to this weekend's HBCU Mid-Major top 7 match-upsTOPICS:Report: SWAC football game will not be played in Atlanta as scheduled from HBCUGameday.com@InsidetheHBCUSportsLab on Facebook Live and Spreaker.‬Contributions welcome at CashApp $JafusCavil

In this episode of Behind the Wealth, we dig into two common retirement questions that often come up in conversations with clients and listeners. First, we look at Roth conversions in light of the “Big Beautiful Bill” that extended lower tax rates. Many people rushed to convert before the Tax Cuts & Jobs Act was set to expire—so do conversions still make sense now? We'll discuss the considerations, trade-offs, and planning angles to think about before making any moves. Next, we tackle the question: “I'm 42—how much should I have saved?” We walk through recent data on retirement account balances by age, highlight why averages and medians can be misleading, and explain why comparing yourself to benchmarks may not give you the full picture. Instead, we'll share what actually matters: building a personal plan that reflects your lifestyle, income sources, expenses, and retirement goals. Whether you're weighing tax strategies or measuring your savings progress, this conversation is about helping you think more clearly about your own financial story. Securities and advisory services offered through LPL Financial, a registered investment advisor, member FINRA/SIPC. The opinions voiced in this show are for general information purposes only and are not intended to provide specific advice or recommendations for any individual. To determine which investments may be appropriate for you, consult with your attorney, accountant, and financial or tax advisor prior to investing. Premier Investments & Wealth Management and LPL Financial do not provide tax advice, please consult your tax professional. Economic forecasts set forth may not develop as predicted and there can be no guarantee that strategies promoted will be successful. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk. All performance referenced All performance referenced is historical and is not a guarantee of future results. All indices are unmanaged and cannot be invested into directly. There is no assurance that the techniques and strategies discussed are suitable for all investors or will yield positive outcomes. The purchase of certain securities may be required to effect some of the strategies. Investing involves risks including possible loss of principal. Consult your tax professional about eligibility to Roth and Traditional IRA contributions. Contributions and earnings in a Roth IRA can be withdrawn without paying taxes and penalties if the account owner is at least 59 ½ and has held their Roth IRA for at least five years. Traditional IRA account owners have considerations to make before performing a Roth IRA conversion. These primarily include income tax consequences on the converted amount in the year of the conversion, withdrawal limitations from a Roth IRA, and income limitations for future contributions to a Roth IRA. In addition, if you are required to take a minimum distribution (RMD) in the year you convert, you must do so before converting to a Roth IRA. This information is not intended to be a substitute for specific individualized tax advice. We suggest that you discuss your specific tax issues with a qualified tax advisor.

In this episode of Voices of Otolaryngology, host Rahul K. Shah, MD, MBA, AAO-HNS EVP and CEO, talks with Matthew D. Scarlett, MD, a private practice otolaryngologist in Charleston, South Carolina, and current Chair of the Academy's ENT Political Action Committee (PAC) Board. Dr. Scarlett breaks down how ENT PAC amplifies the voices of otolaryngologists on Capitol Hill, from securing meetings with lawmakers to advancing bills on prior authorization reform, Medicare reimbursement, and newborn CMV screening. Dr. Scarlett shares his personal journey into advocacy—sparked by frustration with barriers to patient care—and explains how ENT PAC strategically supports bipartisan lawmakers who can make a difference for physicians. The discussion highlights how the PAC Board prioritizes issues, the importance of member participation, and how easy actions like responding to “Act Now” alerts can significantly impact legislative outcomes. Whether you're a seasoned ENT or a trainee new to advocacy, this episode demystifies ENT PAC, encourages engagement, and shows how collective action strengthens the specialty's voice in Washington, DC.  Resources:  AAO-HNS Federal Legislative Advocacy: https://www.entnet.org/advocacy/federal-legislative-advocacy/ Project 535: https://myspecialty.entnet.org/AAOHNS/Project-535/Project-535.aspx Donate to the ENT PAC: https://donation.edonation.com/entpac/website/donate  Note: Contributions to ENT PAC are not deductible as charitable contributions for federal income tax purposes. Contributions are voluntary, and all members of the American Academy of Otolaryngology–Head and Neck Surgery have the right to refuse to contribution without reprisal. Federal law prohibits ENT PAC from accepting contributions from foreign nationals. By law, if your contributions are made using a personal check or credit card, ENT PAC may use your contribution only to support candidates in federal elections. All corporate contributions to ENT PAC will be used for educational and administrative fees of ENT PAC, and other activities permissible under federal law. Federal law requires ENT PAC use its best efforts to collect and report the name, mailing address, occupation, and the name of the employer of individuals whose contributions exceed $200 in a calendar year. ENT PAC is a program of the AAO-HNS which is exempt from federal income tax under section 501 (c) (6) of the Internal Revenue Code.  

Jon Hartley is a macroeconomist and affiliated scholar at the Mercatus Center. Jon returns to the show to discuss the most recent Hoover Monetary Conference, the legacy of John Taylor, why central banks should be using his new measure of r-star, the status of debt management at the US Treasury, and much more. Check out the transcript for this week's episode, now with links. Recorded on August 26th, 2025 Subscribe to David's Substack: Macroeconomic Policy Nexus Follow David Beckworth on X: @DavidBeckworth Follow Jon Hartley on X: @Jon_Hartley_ Follow the show on X: @Macro_Musings Check out our Macro Musings merch! Subscribe to David's new BTS YouTube Channel  Timestamps 00:00:00 - Intro 00:05:56 - John Taylor's Contributions to Economics 00:34:10 - Better Measure of R-Star 00:48:11 - The Government's Debt Management Policy 01:03:39 - Outro

Send us a textIn this episode of the Grow Clinton Podcast, Andy & Jenny are joined by representatives from the 7th Annual Boo Bash Fundraiser hosted by the Rotary Club of Clinton, Iowa.The Boo Bash serves as the main event for impactful community programs and projects. The Rotary Club of Clinton, Iowa, would like to thank everyone who supports the event through sponsorships, attendance, and volunteer work. Your efforts and contributions improve the quality of life throughout the Greater Clinton Region.The 2025 Boo Bash will feature live and silent auctions, raffles and games, a buffet dinner, and a cash bar. One of the community's newest dining spots, The Copper Mill (2750 S 27th Street), will host this year's event.Interested in becoming a sponsor? Sponsors can contact the event planning committee via email at rotaryclubofclintonia@gmail.com.Contributions should be sent to:Rotary Club of Clinton, Iowa Charitable Foundation, Inc.PO Box 1361 Clinton, Iowa 52732For more details, visit the event Facebook page at https://www.facebook.com/share/1CLotisdqA/.To promote your business, organization, or event on the podcast, contact Grow Clinton at 563.242.5702 or www.GrowClinton.com.Grow Clinton values your feedback! Please complete a short survey at https://lnkd.in/gfzKpUEM.Grow Clinton supports economic growth, community development, and the sustainable success of businesses in the Greater Clinton Region.Thank you for your continued support. ~Andy

#DrKenyattaCavil #SportsLab #HBCUsports"Inside the HBCU Sports Lab" episode 716 with Doc, Mike, Charles, and AD  recapping Week 5 and preview Week 6 in HBCU Major Division Football.00:00 - Intro; First segment -- Big Ben L. Cavil Helmet Sticker16:43 - 1st commercial break19:32 - Second segment -- How did the 7 teams in Dr. Cavil's Top 7 HBCU Major Division do this weekend?33:40 - 2nd commercial break36:44 - Third segment -- Dr. Cavil's Top 7 HBCU Major Division rankings unveiled50:14 - 3rd commercial break53:12 - Final segment -- previewing HBCU Mid Major / Major Divisions Week 5 match-ups; "Who's on the ledge?"TOPICS:Week 5 in HBCU Football recaps and a look ahead to Week 6 HBCU Major Division Football match-ups@InsidetheHBCUSportsLab on Facebook Live and Spreaker.‬Contributions welcome at CashApp $JafusCavil

In this episode, I connect with David Prytherch, Professor of Geography at Miami University in Oxford, OH, for a conversation about transforming our streets back into people-oriented places and his recently published book, Reclaiming the Road: Mobility Justice Beyond Complete Streets.Helpful Links (note that some may include affiliate links to help me support the channel):

Have you ever noticed how so-called “unexpected expenses” always seem to show up at the worst time? The truth is, most of these costs aren't surprises at all—we know cars will break down, homes will need repairs, and Christmas comes every year. The key is not to panic when they arrive but to prepare ahead of time. One simple tool for this is the sinking fund.Scripture has much to say about preparation. Proverbs 21:20 tells us, “Precious treasure and oil are in a wise man's dwelling, but a foolish man devours it.” In other words, wisdom means setting aside resources now instead of consuming everything immediately.We also see this principle in Genesis 41, where Joseph, warned of famine, stored one-fifth of Egypt's grain during the years of plenty. His preparation wasn't random—it was steady and systematic. That's exactly how sinking funds work: consistent contributions toward expenses we know will eventually arise.What Is a Sinking Fund?A sinking fund is money you intentionally set aside for a specific future expense. Instead of panicking at a $1,200 Christmas bill, you save $100 per month all year. Instead of reaching for a credit card when your car needs new tires, you draw from the fund you've been building.This steady, disciplined approach provides freedom from debt and peace of mind when expenses come due. It's not glamorous, but it works.Proverbs 6:6–8 points us to the ant as an example of diligence: “Without having any chief, officer, or ruler, she prepares her bread in summer and gathers her food in harvest.” The ant doesn't wait until the snow falls to collect food—she steadily prepares in advance.Trusting God doesn't mean ignoring preparation. Noah trusted God, yet he still built the ark. Farmers trusted God, yet they sowed seed. Joseph trusted God, yet he stored grain. Faith and stewardship go hand in hand.Where to StartIf you're new to sinking funds, begin with one category. Break down the expense into monthly contributions:Car repairs & replacement—Tires, brakes, or even a future vehicle.Home maintenance—Roofs, furnaces, and appliances all wear out.Medical costs—Co-pays, deductibles, or out-of-pocket expenses.Gifts & holidays—Birthdays and Christmas come every year.Insurance premiums & taxes—Annual or quarterly payments made manageable.Even small amounts—like $25 per month—add up to create margin. Over time, your “storehouses” will be ready when needs arise.In 1 Corinthians 16:2, Paul urged believers to set aside money regularly in proportion to their income to meet the church's needs. This is essentially a spiritual sinking fund—planned, systematic stewardship for Kingdom purposes.The goal isn't to hoard resources. Jesus warns in Luke 12:16–21 against stockpiling for ourselves. Instead, sinking funds free us to live responsibly and bless others without fear.Faith Expressed Through StewardshipChoose one sinking fund today. Maybe start with Christmas: divide your expected costs into monthly pieces and begin saving now. Once you've built the habit, add another fund. Before long, you'll have a system that turns stress into confidence and panic into peace.Creating sinking funds is more than a budgeting trick—it's a spiritual discipline. Each small deposit is an act of faith, demonstrating that you trust God by stewarding His provision wisely. Preparation doesn't replace faith—it reflects it.So start planning today. Build sinking funds for tomorrow. Trust God with the outcome. And remember: faith isn't just believing God will provide when the bill arrives—it's also honoring Him by preparing with the resources He has already placed in your hands.On Today's Program, Rob Answers Listener Questions:I'm retired but still working a few days a week. Social Security is still being deducted from my paycheck—what happens to that money? Will I ever get it back?I'm 66 and planning to retire in 10 months. My wife is also retiring soon. Together we earn about $180,000 a year. How can we best manage our retirement resources to maintain our current lifestyle?I didn't have financial training growing up, and now I see my kids struggling with unexpected expenses and poor money habits. Are there any books that can help shift our family's attitude toward money?I've looked into faith-based investment options, but they seem to have higher fees and less diversification compared to Vanguard or Schwab. What's your perspective on that?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Your Money Counts: The Biblical Guide to Earning, Spending, Saving, Investing, Giving, and Getting Out of Debt by Howard DaytonWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

#DrKenyattaCavil #SportsLab #HBCUsports"Inside the HBCU Sports Lab" episode 715 with Doc, Charles, AD Drew and Wilton Jackson II discussing the latest in HBCU sports news and taking a look at this week's HBCU Football Major Division and Mid-Major Division match-ups. 00:00 - Intro; First segment -- HBCU football honors of the week and news15:14 - 1st commercial break18:21 - Second segment -- HBCU Major Division Top 7 match-upsJackson State at SouthernAlabama State at Florida A&M28:39 - 2nd commercial break31:29 - Third segment -- HBCU Major Division Top 7 match-upsAlabama State at FAMUGrambling State - Prairie View A&M43:42 - 3rd commercial break46:40 - 4th segment -- South Carolina State at Charleston SouthernAlabama A&M at Bethune-CookmanHoward at RichmondDelaware State at Sacred HeartTexas Southern at Mississippi Valley State56:00 - HBCU Mid-Major Top 7 discussionBenedict at Clark-AtlantaAllen at Albany StateBluefield State at Johnson C. SmithVirginia State at Fayetteville StateLincoln Lions at LivingstoneWinston Salem State at Bowie State01:06:40 - Wrap up / Conclusion HBCU Mid-Major Division Top Seven Poll RankingsSWAC Football Weekly Awards: Sept. 22 MEAC Announces Weekly Football Honors@InsidetheHBCUSportsLab on Facebook Live and Spreaker.‬Contributions welcome at CashApp $JafusCavil

#DrKenyattaCavil #SportsLab #HBCUsports"Inside the HBCU Sports Lab" episode 714 with David L. Rhodes, Tariq Wilson, Jeff Johnson, and Brandon King discussing the latest HBCU Independents football matchups; news; and sports.00:00 - Intro; First segment -- Recapping NC Central vs NC A&T and Hampton vs Howard 24:55 - 1st commercial break27:52 - Second segment -- Discussion about proposal to privatize FCS Football Playoffs  54:55 - ConclusionTOPICS:NC Central vs NC A&THoward vs HamptonProposal to privatize FCS Football Playoffs @InsidetheHBCUSportsLab on Facebook Live and Spreaker.‬Contributions welcome at CashApp $JafusCavil

#DrKenyattaCavil #SportsLab #HBCUsports"Inside the HBCU Sports Lab" episode 713 with Doc, Mike, Charles and AD discussing the latest in HBCU sports news; recapping HBCU Mid-Major Division football action and taking a look at this weekend's HBCU Football match-ups.00:00 - Intro; First segment -- HBCU news and sports; Jackson State band opts out of ESPN HBCU band competition19:50 - 1st commercial break22:49 - Second segment -- A recap at how the top 7 teams in the HBCU Mid-Major Top 7 fared last weekend34:01 - 2nd commercial break -- 36:51 - Third segment -- Unveiling this week's Top 7 HBCU Mid-Major teams45:15 - 3rd commercial break48:03 - Final segment -- Looking ahead to this weekend's HBCU Mid-Major top 7 match-upsTOPICS:Jackson State band opts out of ESPN HBCU band competitionBattle for DII HBCU Supremacy Playing Out in Top 25 Polls JCSU Falls, but Not ForgottenVirginia State Enters the PictureEdward Waters: SIAC Spoiler with National ImpactHBCU Football Week 3 Mid-Major Division Takeaways: from HBCUSports.com SWAC Football Weekly Awards: Sept. 22 MEAC Announces Weekly Football Honors@InsidetheHBCUSportsLab on Facebook Live and Spreaker.‬Contributions welcome at CashApp $JafusCavil

In this episode of Behind The Wealth, Roger and Elias dig into timely financial headlines and answer real listener questions. The Federal Reserve just cut interest rates. What does that mean for your wallet? We break down how rate cuts could impact credit cards, auto loans, and mortgages—and why it matters for your broader financial plan. With markets hitting highs, one listener asks: “Is it too late to jump in?” Roger and Elias share insights on timing, discipline, and why jumping in versus sitting on the sidelines could affect your long-term wealth story. Another listener wonders: “Is there retirement advice that actually does more harm than good?” We bust some of the most common myths about investing in retirement and highlight what you should watch out for. Whether you're thinking about borrowing, investing, or planning for retirement, this episode offers perspective to help you make more informed decisions. Take control of your financial future: https://www.btwealthshow.com/start-planning Securities and advisory services offered through LPL Financial, a registered investment advisor, member FINRA/SIPC. The opinions voiced in this show are for general information purposes only and are not intended to provide specific advice or recommendations for any individual. To determine which investments may be appropriate for you, consult with your attorney, accountant, and financial or tax advisor prior to investing.  Premier Investments & Wealth Management and LPL Financial do not provide tax advice, please consult your tax professional.  Economic forecasts set forth may not develop as predicted and there can be no guarantee that strategies promoted will be successful. There is no assurance that the techniques and strategies discussed are suitable for all investors or will yield positive outcomes. The purchase of certain securities may be required to effect some of the strategies. Investing involves risks including possible loss of principal. Asset allocation does not ensure a profit or protect against a loss. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk.  All performance referenced is historical and is no guarantee of future results. All indices are unmanaged and may not be invested into directly. Contributions to a traditional IRA may be tax deductible in the contribution year, with current income tax due at withdrawal. Withdrawals prior to age 59 ½ may result in a 10% IRS penalty tax in addition to current income tax. A Roth IRA offers tax deferral on any earnings in the account. Qualified withdrawals of earnings from the account are tax-free. Withdrawals of earnings prior to age 59 ½ or prior to the account being opened for 5 years, whichever is later, may result in a 10% IRS penalty tax. Limitations and restrictions may apply. Consult your tax professional about eligibility to Roth and Traditional IRA contributions. Contributions and earnings in a Roth IRA can be withdrawn without paying taxes and penalties if the account owner is at least 59 ½ and has held their Roth IRA for at least five years. A plan participant leaving an employer typically has four options (and may engage in a combination of these options), each choice offering advantages and disadvantages. Those options include Leave the money in their former employer's plan, if permitted; Roll over the assets to their new employer's plan, if one is available and rollovers are permitted; Roll over to an IRA; or Cash out the account value. Premier Investments & Wealth Management and LPL Financial do not provide specific individualized tax or legal advice. We suggest that you discuss your specific situation with a qualified tax or legal advisor.

Women hold the world together—yet much of what we do remains hidden in plain sight. From caregiving and raising children to providing emotional support and nurturing relationships, these essential contributions often go unnoticed and undervalued. Even worse, we sometimes fail to give ourselves credit for the life-changing roles we play. In this episode of Women Road Warriors, we're joined by Dr. Janelle Wells and Dr. Doreen MacAulay, award-winning scholars at the University of South Florida and authors of Our In-Visible Work. Their groundbreaking research reveals how the lack of recognition for their contributions not only suppresses women but also disempowers them across workplaces, families, and communities. Both serve as regular columnists for Psychology Today and are on a mission to expose this hidden invalidation and advocate for the acknowledgment women have long deserved for the important roles they play often in the background. This conversation aspires to inspire a re-evaluation of how we perceive and value the vital yet frequently overlooked labor that women perform daily. Tune in to this episode for a powerful, eye-opening conversation that will change the way you view “invisible” work—and inspire you to start valuing the roles that too often go unrecognized.www.wellsquest.comhttps://womenroadwarriors.com/ https://womenspowernetwork.net#OurInvisibleWork #JanelleWells #DoreenMacAulay #ShelleyMJohnson #ShelleyJohnson #KathyTuccaro #WomenRoadWarriors #WomensEmpowerment women empowerment, invisible work, emotional labor, women in the workplace, caregiving responsibilities, recognition of women's contributions, workplace culture,

Tom Hand created Americana Corner in 2020 to share informative stories of the momentous events, significant documents and influential leaders that helped create and shape our country. Through compelling articles and captivating videos, Tom hopes to rekindle a spirit of patriotism in his fellow Americans and remind them of our nation's incredible past and why our founding era still matters today. His first book “An American Triumph” includes 130 beautifully illustrated images and his second book is now out, “America Victorious.” He is a true patriot and his story is truly inspiring as he is using his time and resources to create a lasting legacy. What is truly inspirational is that all proceeds of the book will be donated to the Preserving America Grant (https://www.americanacorner.com/grants ) to help historical organizations across the country tell the incredible story of our nation's founding era. Get the full article with this show at: https://goalsforyourlife.com/forgotten-heroes and find out more about Tom at https://AmericanaCorner.com Get POWER OF AFTER BOOK HERE: https://amzn.to/3GpEGlJ  Make sure you're getting all our podcast updates and articles! Get them here: https://goalsforyourlife.com/newsletter Resources with tools and guidance for mid-career individuals, professionals & those at the halftime of life seeking growth and fulfillment: http://HalftimeSuccess.com CHAPTERS: 00:00 - Intro 01:51 - Tom Hand - Background, Biography, Experience 05:41 - America Victorious, Success, Achievements 09:08 - Grants Program, Funding, Support 17:48 - Teaching Charities How to Operate as a Business, Nonprofit Management, Best Practices 20:43 - America Victorious Videos, Content, Highlights 23:23 - Underappreciated Founding Fathers, Historical Figures, Contributions 31:31 - Benedict Arnold, Controversy, Legacy 36:21 - Last Words, Final Thoughts, Reflections 39:57 - Outro

•Pastor Darin G. Freeman is God's chosen under-Shepherd, who served for 11 years as the Pastor of the New United Baptist Church in Washington, DC. He also was honored by Gospel Today Magazine as one of America's Best Beloved Pastors.  Currently the Pastor of Tabernacle Baptist Church in Clarksville, TN.•Pastor Freeman is married to the gift that God has given him, the beautiful two-time Stellar Award winner, ElderAdriann R. Lewis-Freeman. Together they have formed DAF Entertainment Group which houses a record label, 5 5 radio stations which are monitored Mediabase. Also, DAF has introduced Adriann's solo career and reintroduce the 2 TimeStellar Award winners, RiZen.•Pastor Freeman was and continues to be very instrumental and active with Gospel radio. He has helped to build the Internet Panel for the now Sunset Nielsen/Luminate (BDS) Panel, which has now translated to the Mediabase/Billboard Panel. His goal is to become recognized as a panel on the Billboard Charts all the while growing and nurturing thechurch he loves-Tabernacle. This a lofty goal but he believes and knows it is obtainable. However, Pastor Darin has always wanted to showcase his talent and love for singing. So, therefore he has recorded his first single, “Give You The Glory”.•DAF Entertainment Group inc., your source for Gospel Music, was founded August 2016.  After praying and realizing there was a shift happening in the Gospel Industry,  Pastor Darin &Lady Adriann Lewis-Freeman decided that the time to make a positive and spiritual contribution to the Gospel Industry was now! From this was birthed: 2 BDS Radio Stations - Radio Promotions - Record Label - TV Station -Partnership w/ TyscotRecords.•The single “Give You The Glory“ is available on all digital streaming outlets.•Please send an email to Let's Talk: Gospel Music Gold  sharing your thoughts about this show segment; also, if you have any suggestions of future guests you would like to hear on the show. Send the email to ⁠⁠⁠letstalk2gmg@gmail.com⁠⁠⁠•Awarded a “Top Gospel Music Podcast” Badge from Feedspot which has named Let's Talk: Gospel Music Gold oneof the Top 10 Gospel Music Podcasts on the web! •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 Facebook page (@LetsTalk2GMG ) where all episodes are posted as well.    •The Podcast and Radio shows are heard anywhere in the World on the Internet! •BOOK RELEASES"If We Can Do It, You Can Too!" •“Legacy of James C. Chambers And his Contributions to Gospel Music History”•NEW RELEASE 2025•"Molding a Black Princess"Order Information https://www.unsungvoicesbooks.com/asmithgibbs

Welcome to Episode 413 of WSTR! This episode's topics include: - Exploring the career of legendary sound designer Ben Burtt! - First look at Star Wars Starfighter - The history of Lego Star Wars - ...and much, much, more! For all your galactic news and talk needs, this is the podcast you've been looking for - tune in to WSTR Galactic Public Access! Email: mailbox@wstrmedia.com Voicemail: (630) 557-9787

Has Larry Ellison just had the best week in business history? He added $101 billion to his net worth in an afternoon, briefly became the world's richest person, is leading the buyout of TikTok's American operations and his helping his son take over Hollywood. Not bad for an 81-year-old who many thought was a relic of a past internet age. In today's episode we unpack everything Ellison related, from Oracle, to TikTok, to Paramount and Warner Bros Discovery. That's not all we're covering in another big episode of Equity Mates:Pimp my Portfolio is back as we review the portfolio of an Equity Mates listenerSuper September continues as we unpack the big difference small additional contributions can make —------Want to get involved in the podcast? Record a voice note or send us a message And come and join the conversation in the Equity Mates Facebook Discussion Group.—------Want more Equity Mates? Across books, podcasts, video and email, however you want to learn about investing - we've got you covered.Keep up with the news moving markets with our daily newsletter and podcast (Apple | Spotify)—------Looking for some of our favourite research tools?Download our free Basics of ETF handbookOr our free 4-step stock checklistFind company information on TIKRScreen the market with GuruFocusResearch reports from Good ResearchTrack your portfolio with Sharesight—------In the spirit of reconciliation, Equity Mates Media and the hosts of Equity Mates Investing acknowledge the Traditional Custodians of country throughout Australia and their connections to land, sea and community. We pay our respects to their elders past and present and extend that respect to all Aboriginal and Torres Strait Islander people today. —------Equity Mates Investing is a product of Equity Mates Media. This podcast is intended for education and entertainment purposes. Any advice is general advice only, and has not taken into account your personal financial circumstances, needs or objectives. Before acting on general advice, you should consider if it is relevant to your needs and read the relevant Product Disclosure Statement. And if you are unsure, please speak to a financial professional. Equity Mates Media operates under Australian Financial Services Licence 540697. Hosted on Acast. See acast.com/privacy for more information.

In this episode, I connect with Dr. Catherine Elliot, an American living in Winterthur, Switzerland, just outside of Zürich, for a discussion about strategies for overcoming motonormativity, some research that she's been involved with in this realm, including the concept of E-Bike City, and the Moveable initiative.Helpful Links (note that some may include affiliate links to help me support the channel):