Podcasts about daily living

When Jesus rebuked the disciples for having “little faith” in Matthew 8, He was not speaking of saving faith—He was addressing the practical, daily faith needed to trust Him in the middle of a storm. In today's episode of the MY Devotional Podcast, Dr. Michael Youssef reminds believers that when intimacy with God weakens, fear and panic can quickly take over. Fear-conquering faith requires absolute trust in God's sovereignty. It is the kind of faith that depends on Him completely, receives what He provides with an open heart, and believes He is working out His purposes even when the storm is raging. Romans 8:28 assures us that God works all things for the good of those who love Him and are called according to His purpose. Dr. Youssef challenges a common contradiction in the Christian life: we trust God with our eternal souls, yet often hesitate to trust Him with our daily needs. God wants our professed faith to become lived faith—faith that trusts Him with relationships, resources, decisions, fears, and the future. When you walk closely with God and seek Him in prayer at the first sign of fear, your focus shifts from the storm to the Savior. And as your focus remains on Him, fear begins to fade into the background. Prayer: God, I trust You with my salvation, but sometimes I struggle with trusting You with the details of my life. Strengthen my daily living faith so that my trust in You is greater than my fears. I pray in the name of Jesus. Amen. “If that is how God clothes the grass of the field, which is here today and tomorrow is thrown into the fire, will he not much more clothe you—you of little faith?” (Matthew 6:30). Learn more in Dr. Michael A. Youssef's sermon series 12 Evidences of Faith: LISTEN NOW The voice you hear on the MY Devotional podcast is digitally generated with Dr. Youssef's permission. If today's devotional stirred a question, burden, or need for prayer, you don't have to walk through it alone.

10 Commonly Misunderstood Insurance Terms Explained Episode 389 – Sometimes people get confused by all the jargon used in the financial services industry. It's difficult to understand what you're buying—or what you already have—if you don't understand the language being used. Here is a quick listing of ten terms, commonly used in the life insurance industry, that you might not fully understand. More SML Planning Minute Podcast Episodes Transcript of Podcast Episode 389 Hello, this is Bill Rainaldi, with another edition of Security Mutual's SML Planning Minute. In today's episode: we explain 10 commonly misunderstood life insurance terms. Sometimes people get confused by all the jargon used in the financial services industry, and life insurance is no exception. It can be difficult to understand what you're buying—or what you already have—if you don't understand the language being used. Here is a quick listing of 10 terms, commonly used in the life insurance industry, that are helpful to have a basic understanding of: Underwriting. Before making any sort of offer to you, a life insurance company may need to evaluate your health. For example, life insurance companies generally check to see whether you are a tobacco user or not. A nonsmoker generally has a longer life expectancy than a smoker and thus will often qualify for a better rate and reduce the cost. On the other hand, smoker or not, if you're in particularly poor health, the company may not be able to offer you coverage at all. Beneficiary. Life insurance policies will usually list a beneficiary. That is the person—or entity—who receives the life insurance policy's death benefit if the insured dies. Note that any beneficiary designation under a life insurance policy is separate from beneficiary designations in your will. You could leave your entire estate to your children via your will, but if someone else is the beneficiary of your life insurance policy, that person receives the proceeds. The owner of the policy has the right to change the beneficiary (or beneficiaries) as their needs or desires change and it is recommended to review all of your beneficiaries annually or during any change to your planning strategy. Term Life Insurance. Term life insurance is the simplest form of life insurance. You will pay a premium that covers a specific term of years. 10, 20 or 30 years are common terms for one of these policies. If you die during the designated term, your beneficiary will receive the death benefit. It is generally used when you have a temporary need for insurance, such as paying off a mortgage or funding your child's college education if you're no longer there. Permanent Life Insurance. Unlike a term policy, permanent life insurance is designed to provide lifetime coverage. With most policies, as long as you pay your premiums, the policy stays in force for life, and the death benefit is guaranteed by the insurance company. It also usually provides a cash value. An example of permanent insurance is whole life insurance. Cash Value. With many permanent life insurance policies such as a whole life insurance policy, part of your premium pays the cost of the death benefit, and part of it goes into an account inside the policy and grows on a tax-deferred basis. As a policyowner, you have the right to access these funds if you wish via loans or withdrawals. The funds could potentially be used for major expenditures or cash emergencies if needed. Dividends. It's not just your stock portfolio that can pay dividends; your life insurance policy might do so as well. Life insurance dividends are usually associated with mutual life insurance companies such as Security Mutual Life. Dividends are distributed to policyholders from the insurer’s surplus earnings. They are not guaranteed. Grace Period. This is essentially an automatic safety net that exists on every life insurance policy. If you miss a premium payment, you generally have an extra 30 days past the due date before the policy lapses to pay your premium. And, if you die during the grace period, the full death benefit is payable, although there may be a deduction for any missed premium.[1] Paid-Up Additions. Paid-up additions are like miniature life insurance policies within a whole life insurance policy. Each paid-up addition adds a little bit of extra paid-up death benefit and guaranteed cash value to your policy without ongoing premium. Paid-up additions are often created through a whole life policy rider, although if you have a dividend-paying policy, you might be able to choose to take your dividends as paid-up additions. Since paid-up additions are fully paid up portions of death benefit, they can be surrendered for needed cash by the policyowner, or to pay the policy's premiums, if needed. Doing so will reduce the guaranteed cash value and death benefit.  Accelerated Death Benefit. This allows you to receive a portion of the death benefit while you are still living and is often made available as a rider assigned to specific circumstances such as chronic, critical or terminal illness. It is designed to help provide access to cash for medical bills, nursing care, or other costs associated with the qualifying event. If the advance payout from the life insurance policy is due to terminal illness, it is usually exempt from income taxes.[2],[3] In many circumstances, an accelerated death benefit rider is a simple add-on to a life insurance policy with no separate charge. And finally… Chronic Illness Rider. A chronic illness rider is a type of accelerated death benefit rider that gives you access to part of your death benefit while you are still alive. To take advantage of a chronic illness rider, you need to be certified by a doctor as someone who is ill and not expected to recover. In many cases you will be eligible if you are unable to perform at least two of the six “Activities of Daily Living,” or ADLs, without assistance. These include things like bathing, getting dressed, eating, etc.[4] All these terms can be very confusing. Some may be applicable to you; some may not. The good news is that, if you're contemplating a new life insurance policy, you don't need to go it alone. Your Security Mutual Life insurance agent can help. Your Security Mutual Life insurance agent can augment or help assemble your planning team. They'll coordinate with your attorney and tax professional to review your situation and to determine the insurance plan that will best suit your needs and objectives. [1] Ethos Life. “Understanding the Life Insurance Grace Period.” Ethos.com. https://www.ethos.com/life-insurance/life-insurance-grace-period/ (accessed June 4, 2026). [2] Kagan, Julia. “Understanding Accelerated Benefits in Life Insurance Policies.” Investopedia.com https://www.investopedia.com/terms/a/accelerated-benefits.asp (accessed June 4, 2026). [3] Stimpson, Jeff. “Form 1099-LTC Explained: Long-Term Care and Death Benefits.” https://www.investopedia.com/1099-ltc-form-what-to-know-about-the-1099-ltc-form-4781748 (accessed June 4, 2026). [4] Progressive Insurance. ”What is a life insurance critical or chronic illness rider?” Progressive.com. https://www.progressive.com/answers/critical-chronic-illness-rider/ (accessed June 4, 2026).   More SML Planning Minute Podcast Episodes This podcast is brought to you by Security Mutual Life Insurance Company of New York, The Company That Cares®. The content provided is intended for educational and informational purposes only. Information is provided in good faith. However, the Company makes no representation or warranty of any kind regarding the accuracy, reliability, or completeness of the information. The information presented is designed to provide general information regarding the subject matter covered. It is not to serve as legal, tax or other financial advice related to individual situations, because each individual's legal, tax and financial situation is different. Specific advice needs to be tailored to your situation. Therefore, please consult with your own attorney, tax professional and/or other advisors regarding your specific situation. To help reach your goals, you need a skilled professional by your side. Contact your local Security Mutual life insurance advisor today. As part of the planning process, he or she will coordinate with your other advisors as needed to help you achieve your financial goals and objectives. For more information, visit us at SMLNY.com/SMLPodcast. If you've enjoyed this podcast, tell your friends about it. And be sure to give us a five-star review. And check us out on LinkedIn, YouTube and Twitter. Thanks for listening, and we'll talk to you next time. Tax laws are complex and subject to change. The information presented is based on current interpretation of the laws. Neither Security Mutual nor its agents are permitted to provide tax or legal advice. The applicability of any strategy discussed is dependent upon the particular facts and circumstances. Results may vary, and products and services discussed may not be appropriate for all situations. Each person's needs, objectives and financial circumstances are different, and must be reviewed and analyzed independently. We encourage individuals to seek personalized advice from a qualified Security Mutual life insurance advisor regarding their personal needs, objectives, and financial circumstances. Insurance products are issued by Security Mutual Life Insurance Company of New York, Binghamton, New York. Product availability and features may vary by state.​ SubscribeApple PodcastsSpotifyAndroidPandoraby EmailTuneInDeezerRSSMore Subscribe Options

On today's show Shannon gives the rundown on 22 things you can teach in the summer months to catch your child up and prepare them for success in the new school year. 00:00 Intro & Autism Live Mission 02:59 Summer Learning Opportunities for Kids 03:24 25 Skills to Teach Over the Summer 08:06 Overview of All 25 Life Skills 12:19 Skill #1: Building Reading Habits 18:01 Skill #2: Potty Training & Generalization 19:46 Skill #3: Making Math Fun 23:13 Skill #4: Swimming Safety & Skills 25:23 Skill #5: Teaching History Creatively 27:30 Skill #6: Exercise & Self-Regulation 29:28 Skill #7: Speech Practice with Tongue Twisters 32:21 Skill #8: Enjoying Museums with Sensory Needs 36:05 Skill #9: Live Music & Theater Skills 40:28 Skill #10–15: Cooking, Help, Social & Travel Skills 51:18 Skill #16–25: Daily Living, Independence & Confidence 1:05:58 Wrap-Up & Final Thoughts

Zack Collie experienced a life-changing traumatic injury as a teen that presented him with the opportunity to either persevere or give up. Zack chose the first option, and as a result, he has a message that resonates with those who are facing difficult life challenges. Whether it is a traumatic injury, a debilitating illness, a painful and difficult relationship, the loss of a marriage, the loss of a job or career, or anything else, all of us have those times in our lives where we need to choose how we want to go forward.   Resilience is the secret to facing life's challenges with strength and courage. While some of us learn resilience as children, others have to learn it later in life; however, the good news is that it is never too late. In this interview, Zack uses his personal experiences as a quadriplegic to illustrate how to master the components of resilience, including perseverance, patience, gratitude, and acceptance. The interview is hopeful and helpful. You will be uplifted and inspired as you walk through Zack's injury, rehabilitation, and life's journey. You will find yourself cheering him and celebrating his journey.   Zack is a marriage and family therapist with Inspired Resolutions Counseling in Orange County, California. He loves working with teens and anyone with challenging life circumstances. He runs an online Zoom support group for those with spinal cord injuries. He is available to speak at your church, school, or organization.   Resources:   Inspired Resolutions Counseling: https://www.inspiredresolutionscounseling.com/   Daily Living as a Quadriplegic YouTube Channel: https://m.youtube.com/@zackcollie1994?ra=m   Psychology Today Therapist Information: https://www.psychologytoday.com/us/therapists/zackery-collie-yorba-linda-ca/1102583Ins   Instagram: zackcollie7 Karla Downing's passion is to see individuals, marriages, and families set free from dysfunction, scriptural misunderstanding, and emotional pain personally and relationally. Her Christian relationship advice includes messages, books, and classes that provide practical solutions grounded in biblical truths, bringing balance and clarity to life and relationship issues. She also desires to equip ministry leaders and counselors to reach out more effectively to those struggling with difficult relationships, including abuse.  Website: https://www.changemyrelationship.com/ Facebook: https://www.facebook.com/ChangeMyRelationship YouTube: https://www.youtube.com/@changemyrelationship Watch this video on YouTube: https://youtu.be/ft6D-cl-P34

Get your copy of our 2026 Annual Read: Tozer on the Son of God by A.W. Tozer.First Time?Start Here: https://bit.ly/MarinersconnectcardCan we pray for you? https://bit.ly/MarinersPrayerOnlineYou can find information for all our Mariners congregations, watch more videos, and learn more about us and our ministries on our website https://bit.ly/MarinersChurchSite.FIND US ON SOCIAL MEDIA• Facebook: https://www.facebook.com/marinerschurch• TikTok: https://www.tiktok.com/@marinerschurch• Twitter: https://twitter.com/marinerschurch• Instagram: https://www.instagram.com/marinerschurchSupport the ministry and help us reach people worldwide: https://bit.ly/MarinersGive

20260606 Blindness Prematurity Call Activities of Daily Living Originally Broadcasted June 6, 2026, on ACB Media 5 We talked about tips for cutting meat and other daily chores.

We're going to look at a verse where God speaks to us about guiding us steadily, and we will see what kind of principles it highlights for us.  Are you prepared to hear God's voice regularly?Isaiah 30:21 KJVAnd thine ears shall hear a word behind thee, saying, “This is the way, walk ye in it,” when ye turn to the right hand, and when ye turn to the left.Related Podcasts:— Persistent and Consistent — Prayer Life— All About Jabez and his Prayer— Common Answers to Prayer— Search Me, O God— Answered of the Lord, Part 1— Answered of the Lord, Part 2— What Doest Thou Here, Elijah?— Lessons from the Book of Jonah— Lessons from the Life of King Hezekiah— Search Me O God— Time to Press ForwardRelated Podcasts at TrueWisdom:— Prayer & Prophecy— Songs and Prayers— What are you doing here— Knowing God's Will, Part 1— Knowing God's Will, Part 2Text UsSupport the showSend questions or comments to: BibleQuestions@ASBzone.comThe Key Principles of Effective Bible Study is a resource which outlines core concepts shown in the Scriptures that will help you to better understand many Biblical themes and doctrines.  We have an extended, 24-part podcast series on these principles, and a condensed, 9-part series called God's Precious Word, that is based on the same resource.We also recommend that you check out the True Wisdom podcast which I co-host with Robert Baker -- a different format for Bible Study.Finally, check out these awesome Bible Maps!We pray that all of these resources will be very helpful to you in your Bible Studies.

When it comes to humanitarian aid or assistance, or to social justice work, does the Bible put the responsibility on the church as an organization?  Or does it put the responsibility on church members as individuals or families?   Let's see what we can discover from scripture.Isaiah 58:6-7 KJVIs not this the fast that I have chosen? to loose the bands of wickedness, to undo the heavy burdens, and to let the oppressed go free, and that ye break every yoke? Is it not to deal thy bread to the hungry, and that thou bring the poor that are cast out to thy house? when thou seest the naked, that thou cover him; and that thou hide not thyself from thine own flesh?Related Podcasts:— Standing Up Against the WrongRelated Podcasts (at TrueWisdom):— Don't Wait to Stand Up— Caring for Who God Cares ForText UsSupport the showSend questions or comments to: BibleQuestions@ASBzone.comThe Key Principles of Effective Bible Study is a resource which outlines core concepts shown in the Scriptures that will help you to better understand many Biblical themes and doctrines.  We have an extended, 24-part podcast series on these principles, and a condensed, 9-part series called God's Precious Word, that is based on the same resource.We also recommend that you check out the True Wisdom podcast which I co-host with Robert Baker -- a different format for Bible Study.Finally, check out these awesome Bible Maps!We pray that all of these resources will be very helpful to you in your Bible Studies.

Thirsty? There's Only One Source That Truly Satisfies.Have you ever been truly thirsty? Not just physically thirsty — but spiritually dry, empty, exhausted, or longing for something more?In this deeply relatable and powerful message, Ps. Candice Chicken explores Jesus' invitation in John 7:37-39:"If anyone is thirsty, let him come to Me and drink."Through humorous personal stories, biblical insight, and practical encouragement, this sermon reminds us that every human soul carries a thirst that can only be satisfied through Jesus and the ongoing infilling of the Holy Spirit.Ps. Candice begins by sharing a memorable hiking story in the Drakensberg where an entire church hiking group ran out of water. The desperation, exhaustion, and relief of finally receiving water becomes a picture of the spiritual thirst so many people carry every day.We often try to satisfy that thirst with:SuccessMoneyAchievementRelationshipsWorkStatusPossessionsBut none of those things can truly satisfy the soul.Only Jesus can.Diving into John 7, Ps. Candice unpacks the powerful context behind Jesus' words during the Feast of Tabernacles — a celebration where Israel remembered God's provision of water in the wilderness. At the height of the ceremony, while priests poured water over the altar in worship, Jesus stood up and declared:"If anyone is thirsty, let him come to Me and drink."Jesus was revealing that He Himself is the source of living water — and that the Holy Spirit would come to continually fill believers from within.This message follows four powerful spiritual progressions:1. Invitation — ComeJesus does not force Himself on anyone. He extends an invitation. Every person is invited to come to Him, regardless of background, status, or history. The question is: will we respond?2. Belief — Turn on the TapThe moment we believe in Jesus, the source of life within us changes. Self-sufficiency is replaced by the presence of God. Ps. Candice compares salvation to turning on a tap — living water begins flowing immediately, even if growth takes time.3. Filling — Drink ContinuallyOne of the strongest themes in this message is the need for continual filling. Just like our physical bodies need water daily, our spirits need daily time in God's presence.Ps. Candice shares practical, everyday examples:Stressful school morningsDelayed shopsTraffic frustrationsWork pressureParenting challengesEmotional exhaustionAnd in every moment, the answer is the same:Go back to Jesus. Be filled again.Not once a month.Not once a week.Daily. Hourly. Continually.Because we cannot do life spiritually dehydrated.4. Overflow — Rivers of Living WaterWhen we continually allow the Holy Spirit to fill us, our lives begin to overflow into the lives of others.Instead of merely surviving, we become:Hope bringersPeacemakersEncouragersWitnessesAtmosphere changersCarriers of God's presencePs. Candice reminds us that Scripture says rivers of living water should flow from believers — not tiny trickles.The message also highlights the life of Smith Wigglesworth, an ordinary man who experienced extraordinary transformation through the infilling of the Holy Spirit and went on to impact thousands for Jesus.This sermon is both an invitation and a challenge:Come to JesusBelieve in HimContinually be filledOverflow into the world around youIf you've been spiritually dry, weary, distracted, discouraged, or searching for peace, this message will encourage you to return to the source of living water.Key Scripture:John 7:37-39In This Episode:The spiritual meaning of thirstWhy success can't satisfy the soulThe Feast of Tabernacles explainedThe role of the Holy Spirit in everyday lifeHow to stay spiritually filled dailyLiving a life that overflows onto othersPractical ways to reconnect with God throughout the dayIf this message encouraged you, share it with someone who may need refreshing today.⛪ Thrive Church Helping people move towards Jesus.

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Let's talk about prayers and how fast or slow they seem to get answered.  What are some of the core implications of prayer that we never give any real thought to?Mark 11:24 KJVTherefore I say unto you, “What things soever ye desire, when ye pray, believe that ye receive them, and ye shall have them”.Related Podcasts:— A Way of Escape— Persistent and Consistent — Prayer Life— All About Jabez and his Prayer— Common Answers to PrayerRelated Podcasts at TrueWisdom:— Prayer & Prophecy— Songs and PrayersText UsSupport the showSend questions or comments to: BibleQuestions@ASBzone.comThe Key Principles of Effective Bible Study is a resource which outlines core concepts shown in the Scriptures that will help you to better understand many Biblical themes and doctrines.  We have an extended, 24-part podcast series on these principles, and a condensed, 9-part series called God's Precious Word, that is based on the same resource.We also recommend that you check out the True Wisdom podcast which I co-host with Robert Baker -- a different format for Bible Study.Finally, check out these awesome Bible Maps!We pray that all of these resources will be very helpful to you in your Bible Studies.

Let's talk about temptations and daily living, and how the adversary comes at us with the same sets of temptations over time.  Are you prepared for new temptations?  Or the same temptations over and over again, with better packaging?1 Corinthians 10:13 KJVThere hath no temptation taken you but such as is common to man: but God is faithful, who will not suffer you to be tempted above that ye are able; but will with the temptation also make a way to escape, that ye may be able to bear it.Related Podcasts:— A Way of Escape— Lead Us Not Into Temptation— Temptation, Thoughts and Sin— Another Look at Avoiding Temptation— Christ, Humanity and SalvationRelated Podcasts at TrueWisdom:— Using Scripture to Beat the DevilText UsSupport the showSend questions or comments to: BibleQuestions@ASBzone.comThe Key Principles of Effective Bible Study is a resource which outlines core concepts shown in the Scriptures that will help you to better understand many Biblical themes and doctrines.  We have an extended, 24-part podcast series on these principles, and a condensed, 9-part series called God's Precious Word, that is based on the same resource.We also recommend that you check out the True Wisdom podcast which I co-host with Robert Baker -- a different format for Bible Study.Finally, check out these awesome Bible Maps!We pray that all of these resources will be very helpful to you in your Bible Studies.

Today's episode focuses on the HEAL MAMAS advocacy tool and the importance of understanding risk factors for perinatal mental health. Women and their providers need to know the risks for PMADs and the screening process. This tool can help! Join us to learn more! Sarah Baroud has been a clinical social worker for over 15 years, working in a variety of settings with children and families. She established her private practice in 2021 to focus on perinatal mental health, bringing together her professional expertise and personal postpartum struggles. Sarah works with individuals and couples through the family planning process, the postpartum period, and beyond. She serves on the board of the Massachusetts Chapter of Postpartum Support International and advocates for policies that improve maternal health outcomes. She recently testified in the Massachusetts State House in support of a postpartum psychosis bill that would prioritize treatment over criminalization. She is a wife and mom of two who lives near Boston, Massachusetts.  Show Highlights: Understanding the HEAL MAMAS advocacy tool—and why it was created Sarah's vision for how the tool can be used by birthing people, their loved ones, and providers The HEAL MAMAS tool: Sarah's blend of her personal experience, what she was hearing from clients, and evidence-based information about risk and protective factors A basic understanding of “protective factors” Components of the acronym:  HEAL: (Help, Emotions, Activities of Daily Living, and Learn)  MAMAS: (Medical, Apathetic, Medication, Anxious, and Support Structures) The tool's targeted approach to address and acknowledge what's “really going on” with someone and bring empowerment Sarah's approach with providers who need to use this tool in their practices The tool's benefit to be used in tandem with the traditional screening process Sarah's next big step for the tool: a partnership with Tufts University grad students The possibilities are endless as to where this tool can be posted and circulated to reach the perinatal population and their families.  Sarah's high hopes for the HEAL MAMAS tool in the future Resources:  Connect with Sarah Baroud:  Sarah's Website, HEAL MAMAS.org, and Instagram Call the National Maternal Mental Health Hotline at 1-833-TLC-MAMA or visitcdph.ca.gov. Please find resources in English and Spanish at Postpartum Support International, or by phone/text at 1-800-944-4773.  There are many free resources, like online support groups, peer mentors, a specialist provider directory, and perinatal mental health training for therapists, physicians, nurses, doulas, and anyone who wants to be more supportive in offering services. You can also follow PSI on social media: Instagram, Facebook, and most other platforms. Visit www.postpartum.net/professionals/certificate-trainings/for information on the grief course.  Visit my website, www.wellmindperinatal.com, for more information, resources, and courses you can take today!  If you are a California resident seeking a therapist in perinatal mental health, please email me about openings for private pay clients. Learn more about your ad choices. Visit podcastchoices.com/adchoices

For Edge God in Podcast Edge God In Podcast 316 The Book of Leviticus: Holiness and Obedience in Daily Living EdgeGodIn.com | Host: Estella Chavous Championing Human Potential in Christ Download Bible Study Template Learning Objective: By the end of this lesson, learners will be able to identify areas of their lives that resist God's holiness, understand the relational, behavioral, and spiritual dimensions of transformation, and apply the EIC Method (Encounter → Identify Behavior → Course Correct) to align their actions with God's Word. Scriptures: Leviticus 20:7–8 | 1 Peter 1:15–16 | Romans 12:1-2 | Ephesians 4:22–24 | Psalm 119:9–11 The book helped them understand five key areas: Living a life set apart (holiness) Obeying God's commands Understanding the role of sacrifice and atonement Approaching God with reverence Structuring worship and community life Prayer: Heavenly Father, We come before You today with humble hearts, seeking Your presence and guidance. Open our minds and hearts as we explore Your Word and help us to see the areas of our lives that need Your touch. Teach us to live holy lives, not set apart for You, and give us the strength to obey Your commands in thought, word, and action. Lord, as we reflect on Leviticus 20:7–8, help us to encounter Your truth, recognize where our behaviors fall short, and receive Your grace to course correct. May this time draw us closer to You, shape our hearts in alignment with Christ, and equip us to reflect Your holiness in all we do. In Jesus' name, we pray. Amen. Support Resources: Books & Resources: Understanding and Acting on Behaviors that lead to Christ-Filled Relationships: Designed to uncover the key behaviors that influence how you relate to Christ-Awareness, Discernment, Emotion, and Renewal. Situational Meditation Theory and Practice: Finding this space and learning to engage in meditation, contemplation and reflection. Situational Meditation Journal: A companion to the book, cultivating a lifestyle of presence and full engagement in the moment. Emotional Intelligence in Christ Project: Book, 6-Week Study Guide & Course

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3968: Ingrid Y. Helander explores how fear and worry subtly shape our daily behaviors and relationships, often disguising themselves as logic or care. She offers compassionate, practical ways to slow down, comfort fear, and recognize worry's influence so we can reconnect with a deeper sense of safety and clarity. By embracing rather than suppressing these emotions, we open the door to greater freedom, connection, and emotional resilience. Read along with the original article(s) here: https://ingridyhelanderlmft.com/fear-and-worry-in-daily-living-5-ways-to-untangle-frightened-feelings/ Quotes to ponder: "When you are feeling fearful, slow your thoughts down as much as possible." "When we feel immediate fear, the most natural thing to do is try to quickly push it away. Unfortunately, this practice tends to increase our fear and create more worry." "The opposite of worry is not blandness. It is freedom, vulnerability, connection and bravery." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3968: Ingrid Y. Helander explores how fear and worry subtly shape our daily behaviors and relationships, often disguising themselves as logic or care. She offers compassionate, practical ways to slow down, comfort fear, and recognize worry's influence so we can reconnect with a deeper sense of safety and clarity. By embracing rather than suppressing these emotions, we open the door to greater freedom, connection, and emotional resilience. Read along with the original article(s) here: https://ingridyhelanderlmft.com/fear-and-worry-in-daily-living-5-ways-to-untangle-frightened-feelings/ Quotes to ponder: "When you are feeling fearful, slow your thoughts down as much as possible." "When we feel immediate fear, the most natural thing to do is try to quickly push it away. Unfortunately, this practice tends to increase our fear and create more worry." "The opposite of worry is not blandness. It is freedom, vulnerability, connection and bravery." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3968: Ingrid Y. Helander explores how fear and worry subtly shape our daily behaviors and relationships, often disguising themselves as logic or care. She offers compassionate, practical ways to slow down, comfort fear, and recognize worry's influence so we can reconnect with a deeper sense of safety and clarity. By embracing rather than suppressing these emotions, we open the door to greater freedom, connection, and emotional resilience. Read along with the original article(s) here: https://ingridyhelanderlmft.com/fear-and-worry-in-daily-living-5-ways-to-untangle-frightened-feelings/ Quotes to ponder: "When you are feeling fearful, slow your thoughts down as much as possible." "When we feel immediate fear, the most natural thing to do is try to quickly push it away. Unfortunately, this practice tends to increase our fear and create more worry." "The opposite of worry is not blandness. It is freedom, vulnerability, connection and bravery." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3967: Ingrid Y. Helander explores how constant exposure to fear-driven information can quietly overwhelm the mind and body, blurring the line between worry and true danger. She offers grounded insights into how fear distorts perception and shares practical ways to reconnect with a sense of safety. Listening further reveals how to stay calm, present, and emotionally balanced even in an anxiety-filled world. Read along with the original article(s) here: https://ingridyhelanderlmft.com/fear-and-worry-in-daily-living-5-ways-to-untangle-frightened-feelings/ Quotes to ponder: "No matter what frightens you, you know that you are not fully yourself when you are living in fear." "Fear has a laser focus that can confuse and when you feel strong fear, it is not a good time to make judgements about the reality of you, others or your world." "You cannot be proactive and wise when life seems scary." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3967: Ingrid Y. Helander explores how constant exposure to fear-driven information can quietly overwhelm the mind and body, blurring the line between worry and true danger. She offers grounded insights into how fear distorts perception and shares practical ways to reconnect with a sense of safety. Listening further reveals how to stay calm, present, and emotionally balanced even in an anxiety-filled world. Read along with the original article(s) here: https://ingridyhelanderlmft.com/fear-and-worry-in-daily-living-5-ways-to-untangle-frightened-feelings/ Quotes to ponder: "No matter what frightens you, you know that you are not fully yourself when you are living in fear." "Fear has a laser focus that can confuse and when you feel strong fear, it is not a good time to make judgements about the reality of you, others or your world." "You cannot be proactive and wise when life seems scary." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3967: Ingrid Y. Helander explores how constant exposure to fear-driven information can quietly overwhelm the mind and body, blurring the line between worry and true danger. She offers grounded insights into how fear distorts perception and shares practical ways to reconnect with a sense of safety. Listening further reveals how to stay calm, present, and emotionally balanced even in an anxiety-filled world. Read along with the original article(s) here: https://ingridyhelanderlmft.com/fear-and-worry-in-daily-living-5-ways-to-untangle-frightened-feelings/ Quotes to ponder: "No matter what frightens you, you know that you are not fully yourself when you are living in fear." "Fear has a laser focus that can confuse and when you feel strong fear, it is not a good time to make judgements about the reality of you, others or your world." "You cannot be proactive and wise when life seems scary." Learn more about your ad choices. Visit megaphone.fm/adchoices

What's the Latest on the Long-Term Care Front? Episode 376 – With seemingly everything related to health care, the cost of long-term care keeps going up, which may eat into your savings if needed. What are your options to hedge that risk? More SML Planning Minute Podcast Episodes Transcript of Podcast Episode 376 Hello, this is Bill Rainaldi, with another edition of Security Mutual's SML Planning Minute. In today's episode: what's the latest on the long-term care front? Long-Term Care, or LTC as we will often refer to it in this podcast, is a set of services designed to help people who are no longer able to perform everyday personal tasks on their own. These services are designed to help people out with what are called the “Activities of Daily Living,” such as bathing, dressing, eating, etc. People very often need LTC help later in life due to chronic illness, disability or cognitive issues such as Alzheimer's. The estimate is that 60 percent of Americans will eventually need help with things like “getting dressed, driving to appointments, or making meals,” according to the U.S. Department of Health & Human Services.[1] Medicare coverage only goes so far when it comes to LTC. Through Medicare parts A & B, skilled nursing care generally runs out after 100 days.[2] Without supplemental coverage, you're on your own after that. As you might expect, the cost of care varies greatly depending on what type of need you have and where you live. Overall, the cost of LTC has been going up for decades and shows no sign of stopping. In 2025, the average annual cost of assisted living was approximately $73,000,[3] while the average annual cost for a private room in a nursing home was approximately $137,000.[4] How long is “long term?” The average nursing home stay is 485 days, or about 16 months.[5] But 28.5 percent of those who need care—whether in a nursing home or not—will need it for more than five years.[6] Finding a way to protect yourself against the rising cost of LTC is quite a challenge, and there are several different types of LTC insurance. Some people associate LTC insurance with nursing home care, but it also encompasses home health care. It stands to reason that most seniors, if given the choice, would prefer staying at home to moving into a form of nursing facility. So, in general, LTC insurance often covers things like homemaker services, skilled nursing care, and personal care services performed in the home. Because it's so expensive, many individuals will choose to insure against LTC expenses. But where do you begin? It can be a confusing journey. Here are some of the options people have: A “standalone” LTC policy. An LTC policy could be likened to car insurance or most term life insurance policies. That is, you pay premiums to protect yourself from adverse developments, and the premiums may increase over time. If you never have a claim, that money is essentially gone. With a permanent life insurance policy, you pay for a product that may result in cash value access for expenses during your lifetime, and return a benefit to heirs when you eventually pass.   The number of major companies offering standalone LTC policies has dwindled to just a handful in the last few years.[7] One reason for this is the significant amount of inflation that has occurred when it comes to health care expenses. A standalone policy is subject to unpredictable premium increases every year, and over time, the cost can end up being significantly higher than the initial premium. Another reason is that, through positive medical developments, people are living longer, requiring carriers to pay long term care claims for longer than their products have historically been priced for. A life insurance policy with an LTC rider. Some life insurance companies will offer an LTC rider to their life insurance policies. This is an optional add-on feature that comes at a cost, with the amount varying from company to company. This option is primarily used for people who need life insurance. Every dollar paid out by the LTC rider will reduce the remaining death benefit to heirs. While costs may still be significant, if the LTC rider is never used, there is still that death benefit to heirs, helping to justify the total cost. Chronic illness rider. Some insurance companies offer an alternative: a chronic illness rider. In general, a chronic illness rider allows the insured to get early access to their policy's death benefit when they are faced with a chronic illness, that is, any illness from which they are not expected to recover from during their lifetime. As with an LTC rider, chronic illness rider use would reduce the policy's death benefit when you eventually pass.   Many companies offer a chronic illness rider at no additional premium cost. And if you need to use the benefit, it is generally tax-free. If you don't use it, your full death benefit remains available. Self-insurance. This is always an option. You could simply pay the costs out of your own resources. The problem is that future costs could become astronomical, causing you to run out of money. If you end up never needing any form of long-term care though, you would theoretically be better off… But is it worth the risk? Getting old is typically never easy and long-term care is just one piece of the puzzle to consider, along with Medicare supplements, health care directives, powers of attorney, etc. Rising health care costs have made the puzzle much more difficult to solve and spending quality time to carefully consider the risks as they pertain to your individual situation is important. The sooner you start planning, the better. And as you move forward, involving a qualified legal representative well-versed in long-term care as well as national laws and the laws in your state which can vary, is highly recommended. [1] U.S. Department of Health & Human Services. “What is Long-Term Care (LTC) and Who Needs it?” LongTermCare.gov. https://acl.gov/ltc (accessed February 20, 2026). [2] Medicare Interactive. “SNF care past 100 days.” Medicareinteractive.org. https://www.medicareinteractive.org/understanding-medicare/medicare-covered-services/skilled-nursing-facility-snf-services/snf-care-past-100-days (accessed February 23, 2026). [3] Rosenblatt, Bruce. “The Cost of Assisted Living in 2025: What You Need to Know.” Seniorhousingsolutions.net. https://seniorhousingsolutions.net/the-cost-of-assisted-living-in-2025-what-you-need-to-know/ (accessed February 23, 2026). [4] American Council on Aging. “2026 Nursing Home Costs by State and Region.” Medicaidplanningassistance.org. https://www.medicaidplanningassistance.org/nursing-home-costs/ (accessed February 23, 2026). [5] Wisner, Wendy. “How long is the average nursing home stay?” Care.com. https://www.care.com/c/average-nursing-home-stay/ (accessed February 23, 2026). [6] Kujala, Jacob. “The Changing Landscape Of Long-Term-Care Insurance.” Financial Advisor. https://www.fa-mag.com/news/the-changing-landscape-of-long-term-care-insurance-84943.html (accessed February 23, 2026). [7] Knueven, Liz. “The best long-term care insurance companies of February 2026.” cnbc.com. https://www.cnbc.com/select/best-long-term-care-insurance/ (accessed February 23, 2026). More SML Planning Minute Podcast Episodes This podcast is brought to you by Security Mutual Life Insurance Company of New York, The Company That Cares®. The content provided is intended for educational and informational purposes only. Information is provided in good faith. However, the Company makes no representation or warranty of any kind regarding the accuracy, reliability, or completeness of the information. The information presented is designed to provide general information regarding the subject matter covered. It is not to serve as legal, tax or other financial advice related to individual situations, because each individual's legal, tax and financial situation is different. Specific advice needs to be tailored to your situation. Therefore, please consult with your own attorney, tax professional and/or other advisors regarding your specific situation. To help reach your goals, you need a skilled professional by your side. Contact your local Security Mutual life insurance advisor today. As part of the planning process, he or she will coordinate with your other advisors as needed to help you achieve your financial goals and objectives. For more information, visit us at SMLNY.com/SMLPodcast. If you've enjoyed this podcast, tell your friends about it. And be sure to give us a five-star review. And check us out on LinkedIn, YouTube and Twitter. Thanks for listening, and we'll talk to you next time. Tax laws are complex and subject to change. The information presented is based on current interpretation of the laws. Neither Security Mutual nor its agents are permitted to provide tax or legal advice. The applicability of any strategy discussed is dependent upon the particular facts and circumstances. Results may vary, and products and services discussed may not be appropriate for all situations. Each person's needs, objectives and financial circumstances are different, and must be reviewed and analyzed independently. We encourage individuals to seek personalized advice from a qualified Security Mutual life insurance advisor regarding their personal needs, objectives, and financial circumstances. Insurance products are issued by Security Mutual Life Insurance Company of New York, Binghamton, New York. Product availability and features may vary by state.​ SubscribeApple PodcastsSpotifyAndroidPandoraBlubrryby EmailTuneInDeezerRSSMore Subscribe Options

Something changes when you stop treating love like a religious performance and start treating it like an overflow of identity. We're building on the beloved journey and taking the next step into what Daily Living for Christ actually looks like when you know you're already loved, chosen, blessed, and seen by God, even in your wounds. Abiding in Christ isn't a spiritual finish line here. It's the launching point where fruit can grow because you're living from presence rather than pressure.We also open up a lens that can reshape how you read the New Testament: the Greek words around Agape. We talk through Agape as God's divine love, Agapetos as belovedness and identity, and Agapao as love in motion. That last piece matters because the writers of the New Testament choose the verb form of love again and again, pushing us past definition into action. Love becomes something you participate in, expressed in relationships, rooted in God's delight rather than your need to prove anything.Along the way, we name the hidden drivers that can sit underneath “good” behavior, including woundedness, fear, and the subtle hunger to earn belonging. This sets up the next crucial conversation on being versus doing, and why God cares so much about what's happening inside the heart that gives.If you're hungry for Christian spirituality, spiritual formation, and a grounded understanding of Agape that leads to real change, press play. Subscribe, share this with a friend, and leave a review so more people can find the journey. "Have Questions, Send us a Message" This podcast is a production of The Center for Biblical Coaching and Leadership. If this episode has been useful or inspiring to you in any way, please share it with someone else.  Lastly, please follow the show and write a review.If you want to go deeper on this journey, visit www.tcbcl.org to learn how we're walking this path together through biblical coaching, spiritual formation, and the ROOTED Global Movement. 

"A lot of women feel as though this is 'my role, this is my job, and if I have to ask for help, there's something wrong with me.' It doesn't mean failure. It just means that you're taking care of yourself as well as your loved ones." - Laura Lynn Morrissey Our hosts, Stephanie McCullough and Kevin Gaines, sit down with Laura Lynn Morrissey, founder of Silver Savvy. She brings a unique perspective, combining two decades at Fidelity Investments with hands-on experience building and selling home care companies in Boston! Laura Lynn's journey into senior care began while simultaneously climbing the corporate ladder and serving as a caregiver for her mother since age seven. Through both experiences, she learned the magic of putting clients first and treating aging individuals with dignity. She discovered that many professionals would direct conversations to family members while ignoring the person actually receiving care. That's a dynamic she intentionally reversed in her own practice. The centerpiece of her work is life care planning, a comprehensive approach treating the aging process as thoughtfully as planning a wedding or college education. This framework examines seven key areas: purposeful living, lifelong learning, social connections, healthcare planning, financial confidence, exercise routines, and home safety. Most homes aren't built for aging, and simple issues like losing ankle mobility can cascade into dangerous falls. She also talks long-term care insurance, revealing surprising complexities most policyholders don't understand. The elimination period (essentially a deductible) requires paying out-of-pocket for 30-120 days before benefits begin. It's a shock to many families expecting immediate coverage. Laura Lynn stresses the importance of honest assessments, noting that proud individuals often minimize their limitations during evaluations, potentially jeopardizing their claims. With physician shortages looming and assisted living facilities facing two-to-three-year waitlists, Laura Lynn advocates for proactive planning before emergencies strike. Her advocacy services include filing claims, coordinating with doctors, preparing clients for assessments, and writing follow-up letters clarifying what proud individuals might downplay during evaluations.   Key Topics: ●      Lessons from Caregiving and Home Care Business (6:11) ●      What is Life Care Planning? (10:18) ●      Aging in Place: Exercise and Home Safety (15:04) ●      Assisted Living Realities and Wait Lists (18:12) ●      Long-Term Care Insurance Misconceptions (29:09) ●      Understanding the Elimination Period (32:29) ●      Benefit Triggers and Activities of Daily Living (43:12) ●      The Assessment Process and Advocacy Role (45:01) ●      Appealing Denied Claims (51:47)   Resources: Laura Lynn Morrissey in LinkedIn SilverSavvy Website   If you like what you've been hearing, we invite you to subscribe on your favorite platform and leave us a review. Tell us what you love about this episode! Or better yet, tell us what you want to hear more of in the future. stephanie@sofiafinancial.com   You can find the transcript and more information about this episode at www.takebackretirement.com.   Follow Stephanie on Twitter, Facebook, YouTube and LinkedIn.  Follow Kevin on Twitter, Facebook, YouTube and LinkedIn.

Walter R. Hoefflin | January 11, 2026 hillschurcharcadia.org

AMDG. Today, following this Jubilee Year of Hope, we welcome Joan Watson back to the Kolbecast. We've talked about pilgrimages in the past, but with the release of her new book Making a Pilgrimage, a Companion for Catholics, we're able to focus a bit more on approaching life as a pilgrim. We also take the opportunity to live vicariously through Joan's experiences on pilgrimages throughout the years. Links mentioned & relevant:  Making a Pilgrimage: A Companion for Catholics  Follow @stpaulcenter @emmausroadpublishing and @joan.m.watson on Instagram  Opening the Holy Door  Joan's website  Pilgrimage to Poland and Lithuania with Joan Watson October 2026  Related Kolbecast episodes:  235 The Disposition of Pilgrimage and 251 A Year of the Lord's Favor with Joan Watson  183 Gratuitous Gifts: Charisms with Sherry Weddell  Have questions or suggestions for future episodes or a story of your own experience that you'd like to share? We'd love to hear from you! Send your thoughts to podcast@kolbe.org and be a part of the Kolbecast odyssey.   We'd be grateful for your feedback! Please share your thoughts with us via this Kolbecast survey!  The Kolbecast is available on Apple Podcasts, Spotify, and most podcast apps. By leaving a rating and review in your podcast app of choice, you can help the Kolbecast reach more listeners. The Kolbecast is also on Kolbe's YouTube channel (audio only with subtitles).  Using the filters on our website, you can sort through the episodes to find just what you're looking for. However you listen, spread the word about the Kolbecast!