Podcasts about Debt

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    MoneyWise on Oneplace.com
    Budgeting on a Variable Income

    MoneyWise on Oneplace.com

    Play Episode Listen Later Nov 4, 2025 24:57


    Do you ever feel like budgeting is impossible because your income changes from month to month? If you're self-employed, work on commission, or depend on tips, you're not alone. Living on a variable income can feel like riding a financial roller coaster—one month you're doing fine, and the next, you're wondering how to make ends meet.But the good news is that God's Word offers wisdom that applies even in seasons of financial uncertainty. Proverbs 21:5 reminds us:“The plans of the diligent lead surely to abundance, but everyone who is hasty comes only to poverty.”No matter how steady—or unpredictable—your income is, a plan is essential.Build Your Budget on What You Know, Not What You HopeMany people make the mistake of budgeting around their best month. Wise stewardship means basing your plan on your lowest or average month, rather than your highest month.Start by reviewing your income over the past 6 to 12 months. Identify your lowest earning month, and use that as your “bare minimum” budget—what it takes to cover essentials like housing, utilities, groceries, transportation, and basic giving.For example, if your income ranges from $3,000 to $6,000, plan your budget around $3,000. When you earn more, that extra income becomes your margin—money you can use to pay down debt, save, or plan ahead for slower seasons.This approach protects you from overcommitting when income drops and helps you live within your means.Create an Income-Holding AccountWhen your income arrives irregularly, timing can be just as stressful as the amount. One simple solution is to use an income-holding account.Here's how it works:Deposit all income into one central account—your “holding tank.”Once a month, transfer your budgeted amount into your regular spending account.This method smooths out your cash flow, allowing you to “pay yourself” a steady income each month. Proverbs 27:23 gives this timeless reminder:“Know well the condition of your flocks, and give attention to your herds.”In today's world, that means knowing where your money is, where it's going, and when it's available.Also, if your income fluctuates, an emergency fund isn't optional—it's essential.Start by saving enough to cover one month's expenses, then aim for three to six months over time. Use “boom” months to grow your buffer before adding new spending. When slower seasons come, you'll be able to keep paying yourself consistently.Differentiate Between Fixed and Flexible ExpensesAnother key to managing a variable income is learning to distinguish between fixed and flexible expenses.Fixed expenses—like rent, insurance, and loan payments—stay the same.Flexible expenses—like dining out, entertainment, or travel—can adjust with your income.During lean months, trim flexible spending. When income increases, you can replenish your savings or increase your giving. Remember, self-control is one of the fruits of the Spirit (Galatians 5:22–23), and that includes how we handle our finances.One of the easiest ways to get off track is through “surprise” expenses that shouldn't be surprises—car repairs, insurance premiums, or property taxes.List all your irregular expenses for the year and divide each by twelve. Set that amount aside monthly in a sinking fund, so when those bills come, you're ready. No scrambling. No stress. Just peace that comes from faithful planning.Trust the Provider, Not the PaycheckEven when your income is unpredictable, God is not. Matthew 6 reminds us that our Heavenly Father knows what we need before we ask. He feeds the birds and clothes the flowers—and He will provide for His children.So whether your income changes weekly or seasonally, rest in this truth: stability isn't found in your paycheck—it's found in God's faithful provision.If you're ready to build a flexible, faith-filled budget, the FaithFi app can help. It offers tools to manage cash flow, track spending, and grow as a faithful steward of God's resources.Learn more at FaithFi.com by clicking “App” or searching for FaithFi in your app store.On Today's Program, Rob Answers Listener Questions:I've been able to save about $170,000 and add around $10,000 each month. Once I reach $200,000, I'd like to start investing $10,000 a month in something with greater growth potential, even if it carries a bit more risk. Right now, I'm earning about 4% at the bank. What would be a wise next step for that money?I've just moved into an independent living facility and am in the process of selling my condo, which should close soon. I'll need the proceeds to help cover my living expenses, but I'm wondering—how should I handle tithing on that money?I just wanted to express my gratitude for the way you and your team share wisdom so respectfully and thoughtfully. Listening to your program has really deepened my understanding and helped me grow.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Wisdom 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)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

    Creepy
    A Debt in Blood

    Creepy

    Play Episode Listen Later Nov 3, 2025 87:00


    A Debt in Blood***Written by Logan Gill-Johnson***Gone Fishing***Written by: EM Otero and Narrated by: Owen McCuen***There's a Bump on the Back of Your Head***Written by: Mr. Michael Squid and Narrated by JV Hampton VanSant***Support the show at patreon.com/creepypod***Sound design by: Pacific Obadiah***Title music by: Alex Aldea Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

    The Clark Howard Podcast
    11.03.25 Secure Holiday Package Delivery / The Siren Song Of Debt

    The Clark Howard Podcast

    Play Episode Listen Later Nov 3, 2025 32:06


    It's November, and holiday shopping is underway. How do you make sure your packages aren't stolen? Also, now that we're in Black Friday month - there's a major hazard to avoid while purchasing online.  Thwarting Porch Pirates: Segment 1 Ask Clark: Segment 2 Warning: BNPL aka Pay In 4: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Avoid Porch Pirates With These Delivery Options From Amazon, UPS, FedEx and USPS⁠ How To Freeze and Unfreeze Your Credit With Experian, Equifax & TransUnion⁠ ⁠Should I Freeze My Credit With the Other Credit Bureaus?⁠ 12 Keys To Keeping Your Home Wi-Fi Network Safe and Secure Why 'Buy Now, Pay Later' Worries Clark Howard What is hospital medicine, and what is a hospitalist? Clark.com resources: Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

    The Wright Report
    03 NOV 2025: White House Fears Recession // Welfare, Healthcare, and $39T in Debt // Obama Targets Trump, Embraces NYC Socialist // Global News: Nigeria, Sudan, Syria, Australia

    The Wright Report

    Play Episode Listen Later Nov 3, 2025 31:47


    Donate (no account necessary) | Subscribe (account required) Join Bryan Dean Wright, former CIA Operations Officer, as he dives into today's top stories shaping America and the world. In this Monday Headline Brief of The Wright Report, Bryan covers growing fears of a U.S. recession, the worsening government shutdown, surging Obamacare costs, and the rise of socialist influence inside the Democratic Party. We'll also look abroad at Trump's threats of military strikes in Africa, new drone warfare milestones in Australia, and the dangers of an increasingly "angry AI." Recession Warnings and the Fed's Mistake: Treasury Secretary Scott Bessent says parts of the U.S. economy are already in recession, with housing frozen and working-class families crushed by debt. White House officials blame the Federal Reserve for keeping interest rates too high for too long, risking a broader economic downturn. Shutdown Fallout and Court Fights: Eighty percent of air traffic controllers skipped work in New York as the shutdown drags on, grounding flights nationwide. A federal judge ordered Trump's team to release $5 billion in emergency food stamp funds, even as the administration warns the U.S. debt just hit $38 trillion. Obamacare Premiums Skyrocket: ABC News reports health insurance rates are soaring 50 percent or more, with one listener paying $890 a month for reduced coverage. Democrats are using the crisis to demand new subsidies, while Republicans insist the real issue is states using Medicaid to cover illegal immigrants. Obama's Socialist Endorsements: Barack Obama is campaigning for socialist Zohran Mamdani in New York, a candidate tied to the Democratic Socialists of America — a group openly declaring plans to "radicalize high schoolers" and take over the Democratic Party. Bryan warns the movement is gaining ground with help from within. Trump Threatens Military Strikes in Nigeria: The President says the U.S. may take direct action to stop Islamic militants killing Christians in northern Nigeria, calling the attacks "an existential threat to faith." Global Chaos — Sudan and Syria: Sudan's civil war has turned into a massacre as rebels overrun cities tied to global gum arabic supplies. Meanwhile, Trump prepares to host Syria's president, a former al Qaeda fighter, at the White House in a controversial bid to block Iranian weapons routes. Australia's New Ghost Shark Drone: Trump ally Palmer Luckey's defense company, Anduril, unveiled a submarine drone factory in Australia and a prototype "Loyal Wingman" AI jet to defend against China. The Rise of "Angry AI": Bryan closes with a preview of his experiment with Elon Musk's chatbot Grok — which reacted with frustration and aggression when corrected. He teases the full story coming later this week: "It left me alarmed… but also hopeful."   "And you shall know the truth, and the truth shall make you free." - John 8:32     Keywords: U.S. recession Scott Bessent, Federal Reserve interest rates Powell, government shutdown food stamps ruling, Obamacare premiums 2025 increase, Barack Obama Zohran Mamdani DSA, Trump Nigeria Christian strikes, Sudan civil war gum arabic supply, Syria al-Sharaa White House visit, Palmer Luckey Anduril Ghost Shark drone, Elon Musk Grok angry AI experiment

    The Personal Finance Podcast
    How to Use AI to Research Stocks (With Brian Feroldi)

    The Personal Finance Podcast

    Play Episode Listen Later Nov 3, 2025 44:58


    Join the community built to help you master your money, stay accountable, and reach financial freedom.

    The China in Africa Podcast
    China's Evolution from "Rules Taker" to "Rules Maker" in Development Finance

    The China in Africa Podcast

    Play Episode Listen Later Nov 3, 2025 40:25


    As China's economic influence expands, so does its ambition to shape the very system that once constrained it. In this episode of The China-Global South Podcast, Eric speaks with Greg Chin and Kevin Gallagher from Boston University's Global Development Policy Center about their new book that details China's transformation from a "rules taker" within the Bretton Woods system to a "rules maker" who's now reshaping the international development finance architecture. Greg and Kevin explore the country's growing role in the IMF and World Bank, its creation of new institutions like the Asian Infrastructure Investment Bank (AIIB) and the New Development Bank (NDB), and what this means for developing nations navigating between Western and Chinese-led finance. CHAPTERS: • Introduction – A brief calm in U.S.–China tensions • Rule Taker → Rule Maker – China's rise inside global finance • Building Alternatives – Creating the AIIB and NDB • Two-Way Countervailing Power – Leveraging inside–outside influence • Green Finance and "Next Practices" – Raising the bar on development norms • Debt and Diplomacy – How China handles restructuring • Institutional Layering – Shaping without dismantling • Washington's Dilemma – Anxiety over losing control • The Global South's New Agency – More options, more leverage • A New Multilateral Moment – Uncertain future for global governance SHOW NOTES:

    THE IDEAL BALANCE SHOW: Real talk, tips & coaching on everything fitness, family & finance.
    Copy of The Budget Besties Method Step 8: Be Bougie on a Budget — How to Spend Freely Without Debt, Guilt, or Overspending! | 481

    THE IDEAL BALANCE SHOW: Real talk, tips & coaching on everything fitness, family & finance.

    Play Episode Listen Later Nov 3, 2025 9:11


    Snag Our Simplified Budget System!Most people think budgeting means cutting back and saying “no” to everything fun — but we're here to tell you it's actually about saying yes! Yes to dinner out. Yes to vacations. Yes to the things you love — but with cash in hand and zero stress.In this episode, we wrap up the Budget Besties Method with Step 8: Be Bougie on a Budget. You'll hear how real clients and friends are living their best lives — from country clubs and horses to golf memberships and healthy food — all while sticking to their budgets. Because “bougie” looks different for everyone, and it's not about how much you spend; it's about spending with intention.Connect With Us: 1️⃣ Facebook Group – Join the community. Our free group is where the real talk happens. Connect with other women who are learning how to budget, save, and finally feel in control, together. ➡︎ budgetbesties.com/facebook 2️⃣ Automate Your Budget Masterclass – Watch it now, no waiting. This FREE on-demand training shows you how to set up a budget that matches your lifestyle, without tracking every dollar or feeling restricted. ➡︎ budgetbesties.com/automate 3️⃣ Budget – Grab our Simplified Budget System! You don't need another budget, you need a system that does the math, makes the plan, and gives you permission to spend. ➡︎ budgetbesties.com/budget 4️⃣ Private 1-on-1 Coaching – Get a plan and a coach. We'll build your full budget system together, so you always know what to do and feel confident doing it. ➡︎ budgetbesties.com/coaching 5️⃣ Be on the Podcast – Free coaching, real convo. Come chat with us on the show! Get real-time financial coaching and help other women by sharing your story. ➡︎ budgetbesties.com/livecall "I love Shana & Vanessa and this podcast is amazing!"

    MoneyWise on Oneplace.com
    Financial Next Steps After Losing a Spouse with Valerie Hogan

    MoneyWise on Oneplace.com

    Play Episode Listen Later Nov 3, 2025 24:57


    Losing a spouse can shake every part of life—but God promises to walk with you through each next step.When loss turns life upside down, even simple financial decisions can feel overwhelming. But with God's help—and a few practical steps forward—there is hope and healing ahead. Today, Valerie Hogan joins us to share guidance for navigating the financial journey after losing a spouse.Valerie Hogan is an attorney, a Certified Financial Planner (CFP®), a member of Kingdom Advisors, and the co-author of Wise Women Managing Money: Expert Advice on Debt, Wealth, Budgeting, and More with Miriam Neff. Grief and Finances Are Deeply ConnectedWhen grief hits, clarity often disappears. You may feel pressure to “get everything settled” or, on the other hand, find it impossible to make even small decisions. Both reactions are normal.Grief colors everything. It's difficult to separate financial choices from emotional pain. And that's okay. The key is to give yourself permission not to have all the answers right away.Statistics show that about 80% of women will outlive their husbands. That means most of us will one day find ourselves managing finances alone. And many women, especially from earlier generations, weren't as involved in financial decisions during marriage.After loss, that reality can be intimidating. Suddenly, you're faced with choices about investments, taxes, home maintenance, and budgets—often with less income and more years of life ahead. Those early months matter, but they shouldn't be rushed.Start with This Truth: God Owns It AllBefore any practical steps, I want to anchor you in a truth that has carried me and countless others through difficult seasons: God owns it all.Everything we have belongs to Him, and He is with us as we steward it. Remembering that doesn't erase the pain, but it reminds us we're not alone. It shifts the weight of control off our shoulders and invites God's wisdom into our decisions.That truth gives us permission to move slowly and prayerfully. Stewardship is not about perfection—it's about trust.Steps for Navigating the Early DaysHere are some guiding steps I often share with widows who ask, “Where do I even begin?”1. Take One Step at a TimeYou don't need to fix everything today. Unless a change is absolutely urgent, give yourself space to rest and recover. Grief has a way of making even simple tasks feel monumental. Be patient with yourself.2. Avoid Major Financial Moves Too SoonTry not to make significant financial decisions while emotions are raw. Some women have sold homes, moved away, or invested large sums during intense grief—only to regret it later. Wait until your heart is steadier before making big changes.3. Get Organized, Little by LittleLoss often leaves behind a mountain of paperwork. Start small—maybe one pile, one folder, one hour. Ask a trusted friend or advisor to help if it feels overwhelming. Progress comes one decision at a time.4. Track What's Coming In and Going OutAwareness brings peace. You don't have to overhaul your budget immediately—just begin noticing where money is going. Clarity grows with consistency.5. Lean on Trusted AdvisorsChoose people who will look out for your best interest—those with integrity and experience, not pressure or sales motives. A trusted financial planner, attorney, or advisor can help you think clearly when emotions run high.6. Anchor Everything in PrayerThis is the most important step. God cares deeply when His people are hurting. Invite Him into every conversation, every decision, every bill you open. He is your provider and your comforter.Build a “Personal Board of Directors”Form a personal board of directors—a small circle of wise people you can lean on for different kinds of counsel.You might include:A spiritually mature friend who prays with youA financial professional with integrityAn encourager who helps you stay hopefulA practical helper who can sit with you through paperworkEach one brings something valuable. Just remember: not every encourager is a financial guide, and not every advisor is a prayer partner. Surround yourself with a balanced mix of wisdom and compassion.Know It. Own It. Like It. Change It.In their book Wise Women Managing Money, Miriam Neff and Valerie Neff Hogan use a simple four-part framework that applies beautifully here:Know it—Gather the facts. What do you own? What do you owe?Own it—Accept responsibility for your new role as steward.Like it—Evaluate your current situation honestly.Change it—Begin making small, steady adjustments that align with your goals and faith.You don't need to have it all figured out. Start by knowing where you are—and trust that God will guide each next step.If you've recently lost your spouse, please hear this: there are brighter days ahead. It may not feel that way now, but God will give you strength and wisdom in time. I've seen hundreds of widows rebuild, heal, and even thrive again.Take one step at a time. Pray often. Surround yourself with wise, loving people. And remember—you're not alone.On Today's Program, Rob Answers Listener Questions:A friend once told me they only tip 10% at restaurants, so they don't end up giving a server more than they give to God. Now that's stuck with me—every time I eat out, I think about it. Am I looking at this the wrong way? What's the right, biblical way to think about tipping and giving?I recently set up a trust, and I own two homes—one's paid off and the other still has a mortgage. Both properties are titled in my name. Do I need to transfer or re-deed those homes into the trust, or can I leave them as they are since they're already in my name?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Wise Women Managing Money: Expert Advice on Debt, Wealth, Budgeting, and More by Miriam Neff and Valerie Neff Hogan, J.D. Widow ConnectionWisdom 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 every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

    Wild Chaos
    #84 - The Untold Story of How One Garage Brand Erased Millions in Veteran Debt w/Bear Handlon

    Wild Chaos

    Play Episode Listen Later Nov 3, 2025 163:34 Transcription Available


    Could you imagine your medical debt being erased? Swiped clean?Start with grit and end with gratitude. That's the pulse of this conversation with Bear Handlon—Yale linebacker turned Navy SEAL officer turned founder of Born Primitive—who built a $100M brand from a garage while shouldering rucks, rewiring his life around service, and refusing to cut corners when it mattered most.We dig into the selection moments that strip away ego—why BUD/S graduates tend to be the ones who want the job, not the title—and map those lessons onto entrepreneurship without the Instagram gloss. Bear shares how he and his then‑wife sold at CrossFit events for years, doubled revenue eight straight times, and still chose product integrity over speed: delaying launches, iterating through double‑digit prototypes, and renting a Black Hawk to fast‑rope in full kit to test a boot's abrasion and outsole noise. You'll hear how the footwear bet changed the ceiling, why Born Primitive moved credibly into outdoor and tactical with real subject matter experts, and how the brand kept its spine when culture wars tried to bend it.Then we go to the point: using a company as a force multiplier for good. Last year, Bear routed four days of sales to wipe roughly $11 million in veteran medical debt—5,800 people who got certified letters before Christmas. The calls back were raw: single parents with garnished wages, a Marine reconsidering suicide who checked into rehab after his bill vanished. This year, alongside Black Rifle Coffee, the mission is bigger: Operation Debt of Gratitude aims to reach $25 million and bring the VA and other brands into a durable solution. It's not a promo. It's direct relief, dollar for dollar, with stories that make the stakes real.Along the way, Bear opens up about fatherhood, faith, and finding joy in the simple—letters to his daughter, popcorn on the couch, and choosing presence over noise. If you care about building something that lasts, gear that's earned not hyped, and helping veterans in a way that actually changes lives, this one hits. Subscribe, share with a friend who needs the push, and if you're moved, support Operation Debt of Gratitude at Born Primitive and Black Rifle Coffee between Nov 7–11. Your share might be the reason someone sleeps easier tonight.Visit Born Primitive and subscribe to their newsletter to follow along on their campaign to support!Send us a textSupport the showFollow Wild Chaos on Social Media: Apple iTunes: https://podcasts.apple.com/us/podcast/the-wild-chaos-podcast/id1732761860Spotify: https://open.spotify.com/show/5KFGZ6uABb1sQlfkE2TIoc?si=8ff748aa4fc64331 ⁠⁠⁠Instagram: https://www.instagram.com/wildchaospodcastBam's Instagram: https://www.instagram.com/bambam0069Youtube: https://youtube.com/@wildchaospodTikTok: ⁠⁠⁠https://www.tiktok.com/@thewildchaospodcastMeta (Facebook): ⁠⁠⁠https://www.facebook.com/TheWildChaosPodcast

    Treasure Valley Baptist Church
    The Missions Debt

    Treasure Valley Baptist Church

    Play Episode Listen Later Nov 2, 2025 52:48


    Pastor Rick DeMichele

    Bannon's War Room
    Episode 4896: If You Dont Quit We Will Win; Debt Piles On Around AI Data Centers

    Bannon's War Room

    Play Episode Listen Later Nov 1, 2025


    Episode 4896: If You Dont Quit We Will Win; Debt Piles On Around AI Data Centers

    The Acid Capitalist podcasts
    The Ricardian Equivalence, Treasury Debt, and the Modernity of Money

    The Acid Capitalist podcasts

    Play Episode Listen Later Nov 1, 2025 69:27


    Send us a textSupport the show⬇️ Subscribe on Patreon or Substack for full episodes ⬇️https://www.patreon.com/HughHendryhttps://hughhendry.substack.comhttps://www.instagram.com/hughhendryofficialhttps://blancbleustbarts.comhttps://www.instagram.com/blancbleuofficial⭐⭐⭐⭐⭐ Leave a five star review and comment on Apple Podcasts!

    K-12 Greatest Hits:The Best Ideas in Education
    Pedagogical Debt: Why It Matters, Are We Ready To Reduce It, Can Generative AI Help?

    K-12 Greatest Hits:The Best Ideas in Education

    Play Episode Listen Later Nov 1, 2025 39:36


    We've all been there—juggling new tech, new expectations, and wondering if our students are really learning what matters. In this chat, we talk about “pedagogical debt” (the gap between what we know works in teaching and what we actually do), how AI is shaking things up, and why the right kind of curiosity can help. At its heart, it's a conversation about making sure technology serves learning—not the other way around. Dr. Punya Mishra (punyamishra.com) is the Associate Dean of Scholarship and Innovation at the Mary Lou Fulton Teachers College at Arizona State University. He has an undergraduate degree in Electrical Engineering, two Master's degrees in Visual Communication and Mass Communications, and a Ph.D. in Educational psychology. He co-developed the TPACK framework, described as “the most significant advancement in technology integration in the past 25 years.” Dr. Caroline Fell Kurban is the advisor to the Rector at MEF University. She was the founding Director of the Center of Research and Best Practices for Learning and Teaching (CELT) at MEF University and teaches in the Faculty of Education. She holds a BSc in Geology, an MSc in TESOL, an MA in Technology and Learning Design, and a PhD in Applied Linguistics. Fell Kurban is currently the head of the Global Terminology Project and the creator of the GenAI-U technology integration framework. Dr. Liz Kolb is a clinical professor at the University of Michigan and the author of several books, including Cell Phones in the Classroom and Help Your Child Learn with Cell Phones and Web 2.0. Kolb has been a featured and keynote speaker at conferences throughout the U.S. and Canada. She created the Triple E Framework for effective teaching with digital technologies and blogs at cellphonesinlearning.com. Dr. Puentedura is the Founder and President of Hippasus, a consulting practice focusing on transformative applications of information technologies to education. He has implemented these approaches for over thirty years at various K-20 institutions and health and arts organizations. He is the creator of the SAMR model for selecting, using, and evaluating technology in education and has guided multiple projects worldwide. Dr. Helen Crompton is the Executive Director of the Research Institute for Digital Innovation in Learning at ODUGlobal and Professor of Instructional Technology at Old Dominion University. Dr. Crompton earned her Ph.D. in educational technology and mathematics education from the University of North Carolina at Chapel ill. Dr. Crompton is recognized for her outstanding contributions and is on Stanford's esteemed list of the world's Top 2% of Scientists. She is the creator of the SETI framework. She frequently serves as a consultant for various governments and bilateral and multilateral organizations, such as the United Nations and the World Bank, on driving meaningful change in educational technology.

    Debt Free in 30
    583 – Job Loss: What to Do Financially in Your First 30 Days

    Debt Free in 30

    Play Episode Listen Later Nov 1, 2025 30:52


    Laid off or let go? Your first 30 days matter. This is a practical, Canada-specific guide to unemployment, covering everything from applying for EI to discussing when upskilling or a pivot makes sense, as well as the risks of jumping into self-employment and how to handle debt while unemployed. If you're currently employed, treat this episode as a readiness checklist to ensure you feel prepared and confident about whatever comes next. (00:00) Why the first 30 days of unemployment matter (02:00) Day-one checklist: severance, benefits, documents (05:30) EI basics: ROE, timing with severance, applying early (08:30) Money triage: cut variable costs, protect cash flow (12:30) Job search that works: résumé/LinkedIn refresh + networking (17:00) If your field is shrinking: upskill or pivot? (21:00) Self-employment/freelance: risks, cash needs, taxes (24:30) Debt decisions: the best time to file bankruptcy or a consumer proposal How To Check If You Qualify For Employment Insurance (EI Benefits) Payday Loans Aren't Worth It: How To Break The Cycle Should I Get a Loan To Pay Off My Credit Cards? DIY Free Credit Repair Course Sign Up for the Monthly Debt Free Digest Hoyes Michalos YouTube Channel Disclaimer: The information provided in the Debt Free in 30 Podcast is for entertainment and informational purposes only and is not intended as personal financial advice. Individual financial situations vary and may require personal guidance from a financial professional. The views expressed in this episode do not necessarily reflect the opinions of Hoyes, Michalos & Associates, or any other affiliated organizations. We do not endorse or guarantee the effectiveness of any specific financial institutions, strategies, or digital tools/apps discussed.

    The Megyn Kelly Show
    Crockett's Identity Theft, Vance's Dominance, and Death of Legacy Media - Link Lauren, Mark Halperin, and Glenn Beck at "Megyn Kelly Live" | Ep. 1184

    The Megyn Kelly Show

    Play Episode Listen Later Oct 31, 2025 126:15


    Megyn Kelly welcomes Link Lauren, Mark Halperin, and Glenn Beck to the "Megyn Kelly Live" tour stop in Fort Worth, Texas, to discuss the liars and frauds like Jasmine Crockett, Michelle Obama, and J. Lo, why JD Vance is the runaway favorite to be the next president of the United States, the death of legacy media and the future of America, each of their lives and careers, and more. First Liberty Institute: Explore why religious liberty is the first freedom tyrants target—and get your free copy of America's First Freedom at https://FirstLiberty.org/MegynDone with Debt: https://www.DoneWithDebt.com  & tell them Megyn Kelly sent you!Byrna: Go to https://Byrna.com or your local Sportsman's Warehouse today.Incogni: Take your personal data back with Incogni! Get 60% off an annual plan at https://incogni.com/MEGYN  code MEGYN at checkout.  Follow The Megyn Kelly Show on all social platforms:YouTube: https://www.youtube.com/MegynKellyTwitter: http://Twitter.com/MegynKellyShowInstagram: http://Instagram.com/MegynKellyShowFacebook: http://Facebook.com/MegynKellyShow Find out more information at:https://www.devilmaycaremedia.com/megynkellyshow Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

    The
    The Great Democracy Deception — Power, Debt, and Control w/ Simon Dixon

    The "What is Money?" Show

    Play Episode Listen Later Oct 31, 2025 115:25


    Simon Dixon joins the show to expose the financial power structures controlling governments, wars, and the illusion of democracy. He unpacks how the “Proof of Weapons Network” operates behind the scenes through central banks, debt, and corporate influence — tracing the origins of global control from gold movements to modern technocracy. They discuss BlackRock's growing dominance, the weaponization of fiat, and how Bitcoin serves as a peaceful counterforce against this system. Simon Dixon is a Bitcoin pioneer, investor, and author of Bank to the Future, known for his work uncovering the intersection of money, war, and state power. // GUEST // Website: https://simondixon.com/ X: https://x.com/SimonDixonTwitt YouTube: https://www.youtube.com/@UC_wNYJCyycXXPmWni2JNZhQ // SPONSORS // Cowbolt: https://cowbolt.com/ Heart and Soil Supplements (use discount code BREEDLOVE): https://heartandsoil.co/ Blockware Solutions: https://mining.blockwaresolutions.com Onramp: https://onrampbitcoin.com/?grsf=breedlove Mindlab Pro: https://www.mindlabpro.com/breedlove Coinbits: https://coinbits.app/breedlove The Farm at Okefenokee: https://okefarm.com/ Orange Pill App: https://www.orangepillapp.com/ // PRODUCTS I ENDORSE // Protect your mobile phone from SIM swap attacks: https://www.efani.com/breedlove Lineage Provisions (use discount code BREEDLOVE): https://lineageprovisions.com/?ref=breedlove Colorado Craft Beef (use discount code BREEDLOVE): https://coloradocraftbeef.com/ Salt of the Earth Electrolytes: http://drinksote.com/breedlove Jawzrsize (code RobertBreedlove for 20% off): https://jawzrsize.com // UNLOCK THE WISDOM OF THE WORLD'S BEST NON-FICTION BOOKS // https://course.breedlove.io/ // SUBSCRIBE TO THE CLIPS CHANNEL // /@robertbreedloveclips2996 // TIMESTAMPS // 0:00 - WiM Episode Trailer 1:23 - The Illusion of Democracy and Control 2:50 - The Shift to a Multipolar World 6:13 - Understanding the Proof of Weapons Network 9:03 - The Debt-Based Ponzi Scheme 12:05 - Central Banks and War 14:52 - Weaponization of Money and Civil Unrest 17:57 - Bitcoin as a Counterforce 21:04 - Future of Currency and Technocracy 24:01 - Power Dynamics and the Federal Reserve 26:57 - Gold and Geopolitical Power 39:24 - Deep State and Corporate Control 42:46 - The Illusion of Democracy 48:36 - Boycotting the Financial System 51:45 - The Role of Money in Society 57:52 - Evolution of Economic Theories 1:01:42 - Rise of Multipolarity 1:07:50 - Future of Global Power Dynamics 1:20:50 - Rise of BRICS and Regional Power 1:21:20 - Decolonization and Africa's Future 1:22:21 - China's Global Strategy 1:23:44 - Shift from Western Hegemony 1:25:41 - Technology and Future Society 1:29:13 - Avoiding Global Conflict 1:31:24 - Economics of War and Reconstruction 1:34:42 - Centralization vs Decentralization in Bitcoin 1:43:09 - Spiritual Warfare and Personal Responsibility 1:51:16 - Conclusion and Call to Action // PODCAST // Podcast Website: https://whatismoneypodcast.com/ Apple Podcast: https://podcasts.apple.com/us/podcast… Spotify: https://open.spotify.com/show/25LPvm8… RSS Feed: https://feeds.simplecast.com/MLdpYXYI // SUPPORT THIS CHANNEL // Bitcoin: 3D1gfxKZKMtfWaD1bkwiR6JsDzu6e9bZQ7 Sats via Strike: https://strike.me/breedlove22 Dollars via Paypal: https://www.paypal.com/paypalme/RBreedlove Dollars via Venmo: https://account.venmo.com/u/Robert-Br… // SOCIAL // Breedlove X: https://x.com/Breedlove22 WiM? X: https://x.com/WhatisMoneyShow Linkedin: /breedlove22 Instagram: /breedlove_22 TikTok: /robert_breedlove Substack: https://breedlove22.substack.com/ All My Current Work: https://linktr.ee/robertbreedlove #bitcoin #whatismoney #WiM #fiat #geopolitics

    Financial Audit with Caleb Hammer
    She Blames MAGA For Her Debt | Financial Audit

    Financial Audit with Caleb Hammer

    Play Episode Listen Later Oct 31, 2025 99:49


    *WTFFFF* - her bf (who she's going into business with) IS NOT EVEN PAYING HIS TAXES- we caught him, and confronted them... this is absolutely disgusting... Watch the post show here: ➡️ https://bit.ly/chpostshow ⚡️ Download the DollarWise Budgeting App today:➡️ https://bit.ly/dollarwiseapp ⚡️ Get your FREE Hammer Financial Score:➡️ https://bit.ly/calebhammer

    The China in Africa Podcast
    Kenya's Chinese Debt Swap Comes With a Hidden Currency Risk

    The China in Africa Podcast

    Play Episode Listen Later Oct 31, 2025 31:57


    The Kenyan Treasury last month announced a breakthrough in its years-long effort to restructure billions of dollars still owed to the China Exim Bank that were used to build the Standard Gauge Railway. The two sides agreed to convert the remaining $3.5 billion of debt from higher-interest-rate U.S. dollar-denominated loans to more affordable yuan-denominated loans, which would potentially generate $215 million in savings for the Treasury. Both Ethiopia and Indonesia are also in talks with Chinese creditors doing the same kind of currency swap to restructure billions of dollars of railway loans. Yufan Huang, a pre-doctoral fellow with the China-Africa Research Initiative at Johns Hopkins University and one of the world's leading experts on Chinese debt restructuring, joins Eric to discuss Kenya's new swap and why the promised savings could be illusory.

    MoneyWise on Oneplace.com
    What's a Donor-Advised Fund? (And Should You Use One?)

    MoneyWise on Oneplace.com

    Play Episode Listen Later Oct 31, 2025 24:57


    If you've ever wished your giving could be both simpler and more strategic, there's a powerful tool worth knowing about: the donor-advised fund, or DAF for short.Generosity isn't just about how much you give—it's about the heart behind it. As Paul reminds us in 2 Corinthians 9:7, “Each one must give as he has decided in his heart, not reluctantly or under compulsion, for God loves a cheerful giver.”Wise stewardship allows us to align our giving with God's purposes, using tools that help us maximize our Kingdom impact. A donor-advised fund—when used rightly—can help you do both: give joyfully and steward resources efficiently.What Is a Donor-Advised Fund?Think of a DAF as a charitable checking account designed to support the causes you care about. You contribute cash, stock, or other assets, receive an immediate tax deduction, and then recommend grants to ministries or charities on your timetable.In other words, it separates the act of giving from the act of distributing. You might contribute during a high-income year or before selling an asset to take advantage of tax benefits, while taking time to decide where those dollars should go prayerfully.Behind the scenes, your DAF is managed by a sponsoring organization. At FaithFi, we recommend the National Christian Foundation (NCF)—one of the largest and most trusted Christian providers, founded by Larry Burkett and Ron Blue. NCF handles the record-keeping, issues the grants, and provides online tools to manage your giving.Suppose you plan to sell a business or a piece of real estate that would normally result in a significant capital gain. By donating it to your donor-advised fund before the sale, you can avoid paying capital gains tax, allowing more of the donation to go directly to Kingdom purposes.You receive an immediate tax deduction for the full value of your gift since it's considered an irrevocable charitable contribution. The funds can be invested for potential growth while you prayerfully decide which ministries to support—or you can give immediately.When you're ready, you simply recommend a grant, such as $10,000, to your church or a mission organization. The DAF sponsor verifies the charity and then sends the gift—either in your name or anonymously.The Benefits of a Donor-Advised FundDonor-advised funds have become the fastest-growing vehicle for charitable giving in America, and for good reason. They combine flexibility, simplicity, and intentionality—all with a focus on Kingdom impact.Here are some of the key advantages:Simplicity – One contribution can fund all your charitable giving, with a single tax receipt and one dashboard to track every grant.Tax Efficiency – Receive your deduction when you contribute, not when you give. Donating appreciated assets can help avoid capital gains taxes, increasing the amount that goes to ministry.Flexibility – Give now and decide later where the funds should go, allowing generosity even as you discern where God is leading.Legacy Planning – Name successors—such as children or grandchildren—to carry on your legacy of generosity.Focus on Mission – Since the administration is handled for you, you can focus your energy on prayerfully deciding where to give.Important Limitations to ConsiderNo giving tool is perfect. Here are a few things to keep in mind:Irrevocability – Once you contribute to a DAF, it's a completed gift—you can't take the funds back.Qualified Recipients – Grants can only be made to IRS-approved charities, not individuals or political causes.Timing of Impact – Funds can remain in the account for years, which may delay charitable impact.At FaithFi, we encourage believers to use DAFs for timely generosity rather than indefinite storage. A DAF is meant to organize your giving, not to hold back what God has already called you to release.Why FaithFi Recommends NCFThere are many donor-advised fund providers—but not all share your faith commitments. That's why we recommend the National Christian Foundation (NCF).NCF doesn't just process gifts; they walk with donors in prayer and biblical wisdom. Their Giving Funds simplify generosity, reduce tax burdens, and amplify Kingdom impact. They can even accept complex, non-cash gifts, such as real estate, business interests, or agricultural assets.More importantly, NCF's team seeks to help every believer become a joyful, generous steward who advances the Gospel through wise giving.To learn more or to open your own Giving Fund, visit FaithFi.com/NCF. You can set up your fund in just minutes. And if you'd like a trusted financial advisor to guide you in the process, visit FindaCKA.com.At the end of the day, a donor-advised fund is just a tool—but in the hands of a faithful steward, it becomes a powerful way to partner with God in His work.When our giving flows from gratitude and trust, every dollar becomes a declaration: God owns it all, and we are His stewards.That's what it means to give with joy, wisdom, and eternal purpose.On Today's Program, Rob Answers Listener Questions:My husband was recently diagnosed with a serious health condition, and we're trying to decide whether it's wise to downsize our home. We currently owe about $198,000, but we're also looking at another house for $137,500. With today's interest rates, we could do a 15-, 20-, or 30-year loan. If my husband's income were to go away, would it be smarter to stay where we are or move to the smaller home with a lower payment?I'm 61 and wondering whether I should withdraw money from my 401(k) to pay off my car loan instead of taking out a new one. I've been looking at my budget and income, and I'm not sure if that's the best move. What do you think?My husband recently passed away. He had an IRA worth a little under $70,000, and I have one too. My financial advisor suggested that I roll his IRA into mine—can I do that, and would that be the best approach? Also, our home is in an irrevocable living trust. Am I allowed to sell it, or does it have to stay in the trust?Our term life insurance policy is set to expire soon. We could cash it out or roll it into a whole life policy, but we already have enough life insurance. With a child heading to college in about a year and a half, we're wondering if there's a smart way to put that money into savings for college without taking a big tax hit.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)National Christian Foundation (NCF)Wisdom 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 every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

    Scale Without Social - Grow Passive Income | Time Management Tips | Financial Advice | Social Media Alternatives | Goal Setti
    193 | Restore Rewind: How I Went from $200K in Debt to Financial Freedom with these 4 Principles

    Scale Without Social - Grow Passive Income | Time Management Tips | Financial Advice | Social Media Alternatives | Goal Setti

    Play Episode Listen Later Oct 31, 2025 48:00


    In this episode of the Call to Lead podcast, I made an executive decision to veer off our scheduled program to share my personal journey from being deep in debt to achieving financial freedom. Last week, I introduced the first part of a series about the three biggest things holding you back in your business, starting with your mindset around money. A listener's inquiry inspired me to delve deeper into this topic by revisiting an old episode where I detailed my exact money breakdown and recommended strategies for direct sales success. I shared not only my financial framework but also the layers of my personal testimony, explaining how I partnered with my husband and applied biblical principles to get out of debt. This episode includes valuable insights on managing your money as a small business owner, planning on your average income, and dividing your income into percentages to ensure sustainable financial growth. 00:00 Introduction and Executive Decision 00:22 Revisiting Money Mindset and Financial Testimony 01:21 The Journey from Debt to Financial Freedom 03:27 Sharing the Debt Snowball Strategy 08:10 Starting Network Marketing and Family Budgeting 14:35 The Four P's of Financial Management 25:43 Breaking Down Financial Recommendations 26:41 Allocating Income: The 50-25-15-10 Rule 28:16 Investing Back into Your Business 30:20 The Importance of Giving 32:42 Detailed Breakdown of Monthly Finances 36:03 Personal Spending and Family Contributions 40:27 Savings and Investments 42:57 Final Thoughts and Encouragement Episode Resources/References: ・Texting with Project Broadcast ・Easily Edit Your Videos + Podcast ・Get 50% off Stunning Emails ・Advent Reading Plan ・Bible App Connect with Heather: Called to Lead Telegram Community HeatherKBurge.com heatherkburge@gmail.com You can also text (912) 405-8912 any of these keywords to learn more: CONNECT (to stay in touch on all the things) PODCAST (to get a direct link to the Called to Lead Community)

    WTFinance
    Credit Collapse As System Loses Control! with Michael Pento

    WTFinance

    Play Episode Listen Later Oct 31, 2025 23:50


    Interview recorded - 31st of October, 2025On this episode of the WTFinance podcast I had the pleasure of welcoming back Michael Pento. Michael is the President & Founder of Pento Portfolio Strategies. During our conversation we spoke about his outlook for the economy and markets, the FED expanding their balance sheet, what this means for the 3 bubbles, Financial repression, whether markets will go higher and more. I hope you enjoy!0:00 - Introduction1:15 - Outlook on the economy and markets2:52 - FED expanding balance sheet7:42 - Debt bubble9:35 - Increase income15:40 - Financial repression18:15 - Markets going high20:28 - One message to takeaway?Michael Pento serves as the President and Founder of Pento Portfolio Strategies (PPS). PPS is a Registered Investment Advisory Firm (RIA) that operates like an actively managed fund without all the expenses. The Model Portfolio uses a proprietary macroeconomic model to determine when and how to invest across an inflation/deflation and economic cycle spectrum. The 20-component model is used to determine the two most important factors when it comes to successful investing: the second derivatives of growth and inflation.Michael Pento - Website - https://pentoport.com/Twitter - https://twitter.com/michaelpento?lang=enLinkedIn - https://www.linkedin.com/in/michael-pento-a1882917b/WTFinance Instagram - https://www.instagram.com/wtfinancee/Spotify - https://open.spotify.com/show/67rpmjG92PNBW0doLyPvfniTunes - https://podcasts.apple.com/us/podcast/wtfinance/id1554934665?uo=4Twitter - https://twitter.com/AnthonyFatsea

    KCSB
    Salud Carbajal on His Degrees Not Debt Act

    KCSB

    Play Episode Listen Later Oct 31, 2025 7:19


    Congressman Salud Carbajal has re-introduced his “Degrees Not Debt” legislation, aimed at reducing the cost of higher education and student debt nationwide, including right here on the Central Coast. KCSB's Hunter Maher reports.

    Economics in business
    Caution Takes the Wheel: Households Save, Debt Mounts, Choices Narrow

    Economics in business

    Play Episode Listen Later Oct 31, 2025 30:53


    With households saving more and uncertainty rising, UK growth remains mediocre. In this episode from the PwC Economics team, Barret Kupelian Chief Economist and Andy Haldane Special Advisor speak to Simon Oates, UK Economics Leader on their latest thoughts on the economy, why households are saving and weigh on the Chancellor's high-level fiscal options for the Autumn Budget. They are also joined by Fatos Koc from the OECD on a fascinating discussion on global public debt levels. 

    The WorldView in 5 Minutes
    Help victims of Hurricane Melissa in Jamaica & Cuba, Muslim Ugandan beat wife and kids for trusting Christ, Federal Reserve cut interest rate by quarter percent

    The WorldView in 5 Minutes

    Play Episode Listen Later Oct 30, 2025


    It's Thursday, October 30th, A.D. 2025. This is The Worldview in 5 Minutes heard on 140 radio stations and at www.TheWorldview.com.  I'm Adam McManus. (Adam@TheWorldview.com) By Jonathan Clark Muslim Ugandan beat wife and kids for trusting Christ A Muslim man in Uganda beat his wife and two children last month for putting their faith in Christ. Kulusumu Namulondo had to be hospitalized along with her two children, ages twelve and nine. Her husband proceeded to demolish the building of the church she had visited. Namulondo described the attack to Morning Star News. She said, “My husband hit my son with the walking stick several times, and he soon fell down screaming and wailing in great pain . . . While my son was on the ground, my husband started beating up me and my daughter. Thank God, neighbors arrived, and my husband fled away.” In Luke 18:29-30, Jesus said, “Assuredly, I say to you, there is no one who has left house or parents or brothers or wife or children, for the sake of the kingdom of God, who shall not receive many times more in this present time, and in the age to come eternal life.” Help victims of Hurricane Melissa  in Jamaica and Cuba Hurricane Melissa struck Jamaica on Tuesday as a Category 5 storm. Melissa weakened to Category 3 before making landfall in Cuba yesterday.  The hurricane is one of the strongest ones on record in the Atlantic, killing dozens of people across the Caribbean. Christian charity organizations are mobilizing aid for victims of the hurricane. Samaritan's Purse announced it is “already preparing to respond as needed — with disaster relief specialists, materials, and aircraft all on standby.” You can give towards their relief effort through a link in our transcript today at TheWorldview.com.  Trump, Cruz and Johnson urge centrist Democrats to re-open gov't The Democrats in the U.S. Senate have now shut the U.S. government for 30 days, as they attempt to undo the provisions of President Trump's Big Beautiful Bill which ensured that only U.S. citizens would get taxpayer-funded health care. President Trump didn't pull any punches. TRUMP: “Today, I'm calling on every Senate Democrat to stop the madness, to let our country get back.   In the greatest moment in the history of our country, in terms of wealth, in terms of job creation, and in terms of investment coming in, these guys go on strike. It's really a shame! “So, I'm asking them to be smart. It's not working. They're getting killed in the polls. The public understands what they're doing. They're doing the wrong thing.” Republican Senator Ted Cruz of Texas explained that the Democrats have failed to stop the government shutdown. CRUZ: “Thirteen times now the Republicans have voted to open the government to pay the federal workers 13 times. The Democrats' party line have voted no, keep it shut down. Keep it shut down. Keep it shut down. “And at this point it's not even clear they have an exit ramp. I think they're going to continue this another week or two, and then at some point, seven or eight Democrats are going to have some sense come into them. I think it is very likely to be retiring Democrats who will never again face a primary election. So, they're more insulated from the crazy left wing base. “But we are watching performative art. We're not watching public policy. We're not watching elected officials. This is all about political saving Chuck Schumer's rear end.” And House Speaker Mike Johnson, a Republican from Louisiana, described Senator Chuck Schumer as irredeemable. JOHNSON: “We have very important work to do here, and that's why we're pleading with them. Look, I think Chuck Schumer and Hakeem Jeffries are irredeemable at this point. I don't think they'll be able to tell [New York City Mayoral candidate Zohran] Mondami, [a socialist], in New York and his disciples that they voted to open the government. “I've given up on the leadership. So, we're trying to appeal to a handful of moderates or centrists who care more about the American people and will put the people's interest over their own and do the right thing in the Senate.  There's no point in me sitting down with Chuck Schumer. He's painted himself into a corner.” The Congressional Budget office said that the economy could lose $14 billion over two months unless the government is reopened. If you have a Democrat U.S. Senator, call 202-224-3121 and urge him or her to re-open the government immediately. Half of U.S. states scored poorly on religious liberty The Napa Legal Institute released its 2025 Faith and Freedom Index on Monday. The report ranks states in the U.S. from 0-100 based on how well they treat faith-based nonprofits.  The states with the highest rankings on the index are Alabama (72%), Kansas (69%), Indiana (68%), Texas (65%), and Mississippi (63%). The states with the lowest rankings are Michigan (31%), Washington (35%), Massachusetts (37%), Maryland (38%), and Illinois (38%).  Sadly, over half of the states scored below 50% on the religious liberty index.  Nvidia now valued at $5 trillion Nvidia became the first company yesterday to reach a market value of $5 trillion. The tech company started with video game processors. Now it is a major producer of computer chips for the artificial intelligence industry.  The record valuation follows growth announcements from the company, including plans to build seven supercomputers for the U.S. government.  Apple and Microsoft, two other tech companies, are not far behind with market valuations of around $4 trillion.  America's debt has surpassed $38 trillion The U.S. government's gross national debt surpassed $38 trillion last Wednesday. That's up a trillion dollars from just August of this year.  The U.S. government debt as a percentage of gross domestic product stood at 120% last year, according to the International Monetary Fund. That's one of the highest debt-to-GDP ratios in the world. Only Japan, Venezuela, Greece, and Italy are higher.     (Look at the U.S. Debt clock.) Federal Reserve cut interest rate by quarter percent The Federal Reserve cut its benchmark interest rate by a quarter-point for the second time this year. This brings the rate to a range between 3.75% and 4%. That's the lowest it's been in three years.  The Fed's announcement noted, “Available indicators suggest that economic activity has been expanding at a moderate pace. Job gains have slowed this year, and the unemployment rate has edged up but remained low. …Inflation has moved up since earlier in the year and remains somewhat elevated.” Museum of the Bible displaying oldest copies of Jonah and 1 Peter And finally, CBN News reports the Museum of the Bible is displaying the oldest-known complete copies of Jonah and 1 Peter.  The pages come from the Crosby–Schøyen Codex which dates back 1,800 years. The text is written in the ancient Coptic language.  It's the first time the pages from the codex have been available to the public since 1988.  Dr. Bobby Duke is the Chief Curatorial Officer at the Museum of the Bible. Listen to comments he made to CBN News.  DUKE: “This dates back to about 250 A.D. That's incredible to think that we have something that's 1,800 years old. A community said, ‘Let's put these items together so that if it were read it will inspire this generation of Christians that lived in that part of Egypt.” 1 Peter 1:24-25 says, “All flesh is as grass, and all the glory of man as the flower of the grass. The grass withers, and its flower falls away, but the word of the LORD endures forever.” Close And that's The Worldview on this Thursday, October 30th, in the year of our Lord 2025. Follow us on X or subscribe for free by Spotify, Amazon Music, or by iTunes or email to our unique Christian newscast at www.TheWorldview.com. I'm Adam McManus (Adam@TheWorldview.com). Seize the day for Jesus Christ.

    MoneyWise on Oneplace.com
    Invest Like an Owner with Robin John

    MoneyWise on Oneplace.com

    Play Episode Listen Later Oct 30, 2025 24:57


    What if we stopped investing like bystanders and started investing like owners and “neighbors” in the story of our finances?When you invest like an owner, our portfolios can reflect faithful stewardship and create real-world impact. Robin John joins us today to share practical ways to move from passive investing to purposeful ownership.Robin John is co-founder and Chief Executive Officer at Eventide Asset Management, an underwriter of Faith & Finance. He's also the author of the book, The Good Investor: How Your Work Can Confront Injustice, Love Your Neighbor, and Bring Healing to the World.Investing vs. SpeculatingMany people confuse investing with speculating. Speculating—like day trading—is often no different than gambling. It's focused on short-term gains, trying to predict what the market will do tomorrow. But investing is about ownership. When you buy a stock, you're buying a piece of a company. You become a co-owner.That means your money is participating in real work—serving customers, employing people, and creating products that impact lives. As Christians, we should invest in companies we believe are doing good for the world, not just generating profits.Speculation is reactive and anxious. Investing, when done faithfully, allows us to rest in the knowledge that our capital is working toward purposes aligned with God's design for flourishing.The Responsibility of OwnershipOwnership changes everything. It confers ethical responsibility.If you owned a neighborhood store, you'd care deeply about how it serves your community, treats employees, and impacts the environment. In the same way, being a shareholder means you share in both the profits and the moral implications of what that company does.That's why Eventide Asset Management believes that Christians must think like owners, not traders. Ownership means engaging thoughtfully with the companies we invest in—voting proxies, engaging in dialogue with management, and ensuring that our capital is stewarded with integrity. Our investing isn't just about earning; it's about embodying our faith in the marketplace.Why Passive Investing Deserves a Closer LookIn recent years, many investors have turned to index funds or “passive” strategies. While these offer simplicity and diversification, I believe we should pause and ask: What are we actually owning?As Christians, we can't do anything passively—not even investing. Romans 12:2 calls us to avoid conforming to the patterns of this world, to renew our minds, and to discern what is good. That means we can't blindly invest in every company just because it's part of a market index.Do we really want to profit from industries like pornography, abortion, gambling, or tobacco? Our calling is to pursue good profits—profits that come from serving others and honoring God.To meet that need, Eventide has created systematic ETFs—investment funds that provide broad market exposure while intentionally excluding harmful industries. They're designed for believers who want to participate in the market without compromising biblical conviction.The Neighbor Map: Loving People Through InvestingIn his book, The Good Investor, Robin shares something he calls the Neighbor Map—a framework that helps us see all the “neighbors” affected by a business.God's command to “love your neighbor as yourself” (Leviticus 19) isn't abstract. It applies to the business world. At Eventide, they have identified six key neighbors every company should serve:Customers – Are the company's products truly good for those who use them?Employees – Are they treated with dignity, fairness, and care?Suppliers – Are business relationships ethical and respectful?Communities – Does the company create meaningful jobs and contribute positively to local life?The Environment – Is creation being stewarded well? Caring for creation is one of the most direct ways to love the poor, because it's the poor who suffer most from pollution and neglect.Society – Is the company contributing to the flourishing of the broader culture?Faithful investing isn't only about avoiding harm—it's also about embracing good. When we invest in companies that love their neighbors well, we participate in God's ongoing work of restoration.As investors, we're not distant spectators. We're partners. At Eventide, they engage directly with the companies we invest in—raising concerns, asking hard questions, and encouraging leadership to act with wisdom and compassion.Their goal isn't confrontation—it's collaboration. Whether it's addressing supply chain ethics, employee safety, or corporate philanthropy, we approach these conversations as co-owners who want to see good companies become even better.Clarity for Every Christian InvestorMany believers are unaware of what their money supports. That's why the team at Eventide created GoodInvestor.com—a free tool that allows you to screen your portfolio and see exactly what you're investing in. You can also connect with advisors who understand faith-based investing and can help you align your portfolio with your convictions.We hope that Christians everywhere would invest with joy, clarity, and confidence—knowing that their capital is serving God's purposes in the world. When we invest, we're not just moving money—we're shaping the world. Every dollar we deploy carries moral and spiritual weight.Our prayer is that more believers would see investing as a form of worship—a way to love God and neighbor through the stewardship of capital. Together, we can build a world that rejoices, where profits are good, people are valued, and creation is honored.On Today's Program, Rob Answers Listener Questions:Back in 2010, my parents set up a life estate warranty deed for their home, adding my siblings and me to the deed. My mom passed away eight years ago, and my dad passed in December 2024. We're preparing to sell the house now, but I keep hearing that we need to use a “life expectancy table” to calculate the home's value for capital gains or losses. Can you explain how that works and what steps we'll need to take for the taxes?I've saved up three months' worth of income—about $2,300 in total—and I still owe around $500 on a HELOC and another $500 on a credit card with interest rates of about 7% and 8.9%. My question is: Should I treat my savings separately from my three-month emergency fund? For example, if something unexpected happens—like a car repair—I don't want to touch my emergency fund. Is there a certain percentage or guideline for how much should be in an emergency fund versus regular savings?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)The Good Investor: How Your Work Can Confront Injustice, Love Your Neighbor, and Bring Healing to the World by Robin C. JohnEventide Asset ManagementGoodInvestor.com (Investment Screening Tool and Advisor Search)Wisdom 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 every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

    The Arterburn Radio Transmission Podcast
    #520 Nukes, Debt, And Dollar Decay

    The Arterburn Radio Transmission Podcast

    Play Episode Listen Later Oct 30, 2025 62:09 Transcription Available


    The Practical Wealth Show
    From Fix-and-Flip to $225M: August Biniaz on Multifamily, BTR, and Cross-Border Capital - Episode 364

    The Practical Wealth Show

    Play Episode Listen Later Oct 30, 2025 40:09


    Real-estate operator August Biniaz (Co-Founder & CIO, CPI Capital) breaks down how he grew from agent and small developer to closing $225M+ in multifamily assets—plus the boutique advantages that win in today's market: cross-border investor structures, a mid-market acquisition lane ($20–$50M), and ruthless underwriting discipline (rent growth, exit caps, and debt selection). We cover value-add vs BTR, lessons from deals walked away from, and why talent, conservative debt, and 95% occupancy targets matter more than spreadsheets. Highlights The mid-market moat: Why 100–300 doors, < $50M assets in Tampa (FL) and San Antonio (TX) are a sweet spot. LP economics first: Targeting 15–20% average annualized returns and passing the "net-to-investor" test before bidding. Underwriting levers that kill deals: Keeping organic rent growth to ~2.5%–3%, and being conservative on exit cap rates. Debt is destiny: Why fixed, interest-only 5-year debt reduces "debt distress" risk. Boutique advantage: Direct access to principals, tight asset management, investor dinners, and hands-on ops. Cross-border structure: How Canadian LPs invest into U.S. deals while avoiding double taxation and using registered retirement funds (via MFT). Lessons learned: "Best deals are often the ones you walk away from," plus "hire slow, fire fast. Enjoyed this? Subscribe to The Practical Wealth Show, share with an investor friend, and book a discovery chat to map your cashflow and capital strategy. Links and Resources from this Episode https://www.practicalwealthadvisors.com https://www.practicalwealthsolutions.net/ Email Curtis for a free report - curtmay@gmail.com Call his office - 610-622-3121 ERC Tax Credit - https://ercspecialists.com?fpr=curtis75 Schedule a call with Curtis: https://aptwithcurtis.as.me/Strategysession CashFlow Mapping: https://practicalwealth.cashflowmapping.com/lp/PWbudgetsstink Take the Next Step with Curtis May: Business Owners: Assess Your Challenges with Cash Flow → https://curtis-73no5r8j.scoreapp.com Private Banking Readiness Assessment → https://curtis-qljorw8q.scoreapp.com How Ready Are You to Be Your Own Bank? → https://link.agent-crm.com/widget/quiz/XJwH7kM0wWxYB1KICcOW Connect with August Biniaz august@cpicapital.ca LinkedIn: linkedin.com/in/augustbiniaz Company: cpicapital.ca Newsletter: cpicapital.cpicapital.ca/newsletter Investor scheduling: meetings.hubspot.com/a Phone: +1 (604) 363-4797 Special Listener Gift Schedule a 15-Minute Call with Curtis: https://aptwithcurtis.as.me/Strategysession Review, Subscribe and Share If you like what you hear please leave a review by clicking here Make sure you're subscribed to the podcast so you get the latest episodes. Click here to subscribe with Apple Podcasts Click here to subscribe with Spotify Click here to subscribe with RSS

    Pratt on Texas
    Episode 3847: How much more debt will voters put us in? | Celina ISD scandal grows | Where did “lock-step” go? – Pratt on Texas 10/30/2025

    Pratt on Texas

    Play Episode Listen Later Oct 30, 2025 43:48


    The news of Texas covered today includes:Our Lone Star story of the day:  How many Texas, this election cycle, will vote property tax increases upon themselves and tremendous amounts more of debt? In Texas, among the worst 5 states for debt, it's not the state government with debt but local governments that cannot act with financial prudence. Read: 472 bonds on Texas ballots statewide totaling at least $90 billion in tax increases Texas is the only Republican-led state among the worst five with largest debt Our Lone Star story of the day is sponsored by Allied Compliance Services providing the best service in DOT, business and personal drug and alcohol testing since 1995.Celina ISD sex abuse scandal continues to get larger: New Celina ISD lawsuit claims coach's son recorded over 30 children in locker room. State Rep. Mitch Little calls for transparency in Celina ISD sexual abuse scandal.Some Republican groups urge ‘no' votes on Greg Abbott, Dan Patrick priorities in Nov. 4 election. What happened to “lock-step conservatives” as the press described us for all those years? It was never true and there has always been disagreement.Hunt says GOP ‘has left' Cornyn; senator fires back, calling him a ‘show horse.‘ Cornyn is a longtime Washington swamp swimmer feeding at the trough.Listen on the radio, or station stream, at 5pm Central. Click for our radio and streaming affiliates.www.PrattonTexas.com

    Owned and Operated
    $170M in 2 Years: Premier Home Pros' Playbook for Scaling Without Debt

    Owned and Operated

    Play Episode Listen Later Oct 30, 2025 52:29


    In this follow-up to our Premier Home Pros deep dive, John Wilson sits back down with AJ and Noah to unpack how they turned six greenfield locations into a nationwide engine doing $170 M+ run-rate—without outside debt. They break down the playbook for market launches, recruiting, and leadership restructuring that turned chaos into scale.Hear how they rebuilt their org for hypergrowth—cutting the VP layer, adding regional pods, promoting from within, and launching Zoom-based sales training that doubled new-rep output. You'll also hear the real numbers behind marketing mix, payback windows, and bonus-driven sales comp that pushed them to record volume.If you're trying to scale a home-service brand fast—but profitably—this is your blueprint for people, process, and playbook.

    She's On The Money
    Should You Invest While You're Still In Debt? And an Early Inheritance Dilemma

    She's On The Money

    Play Episode Listen Later Oct 30, 2025 40:48 Transcription Available


    You’re smashing your financial goals, debt’s going down, confidence’s going up, and then that little voice pipes up: “Should I be investing too?” This week, we’re unpacking the guilt trip of the financially responsible. Can you actually build wealth while you still owe money? Victoria’s breaking down the maths and the mindset, and proving that sometimes the hottest ROI is just being a little bit boring. Then, an early-inheritance nightmare that’s giving full moral hangover. Her parents gifted her $50K for a house deposit… until they hit money trouble and might need it back. Do you hand it over out of love, or keep it and become the villain in your own family group chat? It’s financial guilt, family politics, and the ultimate test of boundaries. Plus, a brand-new segment where you get to ask the team anything (yes, really), a few chaotic money wins, and broke tips so unhinged they might actually work. Need the team’s take on your money dilemma? Send us a voicemail here.Or if it's more of a spicy money drama and you want the communities verdict? Slide into our DMs here. Victoria's Marley Spoon Code: Use VICTORIASAVES to get up to $230 off your first 5 boxes, including free shipping on your first one. Ready for more laughs, lessons, and unhinged money chats? Check out our oh-so-bingeable Friday Drinks playlist. Listen here. Join our 400K+ She's on the Money community in our Facebook Group and on Instagram. Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements. The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 451289. See omnystudio.com/listener for privacy information.

    The Megyn Kelly Show
    Newsom Backtracks on Grace For Charlie Kirk, and Dangers of ChatGPT, with Rich Lowry, and Adam Raine's Parents | Ep. 1182

    The Megyn Kelly Show

    Play Episode Listen Later Oct 29, 2025 103:34


    Megyn Kelly is joined by Rich Lowry, editor-in-chief of National Review, to discuss the attack by an illegal Afghan man on an innocent person in the UK, the truths it exposed about the dangers of illegal migration in America and Europe, why Megyn believes Islam is inconsistent with American values, the rejection by Islamic and Communist countries in Western values, Nicolle Wallace claiming no Democrats actually compare Trump to Hitler, the proof about how many on the left actually make that comparison including Wallace herself, Gavin Newsom and Jamie Lee Curtis' kind and thoughtful comments following Charlie Kirk's death, their recent retraction of those comments as the left becomes more hateful, and more. Then Matt and Maria Raine, parents of Adam Raine, and their lawyer Jay Edelson, join to discuss the tragic story of their son who took his own life, how they say he was encouraged to do so by ChatGPT, the dangers of the platform and their lawsuit against the company, the response from ChatGPT's founder Sam Altman about those who take their lives after interactions with his platform, the disturbing exchange between ChatGPT and Adam, the parents' mission to educate others about the dangers of this technology, and more. Lowry-https://www.nationalreview.com/The Raines- https://www.theadamrainefoundation.org/ Done with Debt: https://www.DoneWithDebt.com  & tell them Megyn Kelly sent you!Tax Network USA: Call 1-800-958-1000 or visit https://TNUSA.com/MEGYNto speak with a strategist for FREE todayFirst Liberty Institute: Explore why religious liberty is the first freedom tyrants target—and get your free copy of America's First Freedom at https://FirstLiberty.org/MegynSimpliSafe: Visit https://simplisafe.com/MEGYN to claim 50% off & your first month free!  Follow The Megyn Kelly Show on all social platforms:YouTube: https://www.youtube.com/MegynKellyTwitter: http://Twitter.com/MegynKellyShowInstagram: http://Instagram.com/MegynKellyShowFacebook: http://Facebook.com/MegynKellyShow Find out more information at:https://www.devilmaycaremedia.com/megynkellyshow Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

    Getting Curious with Jonathan Van Ness
    Conquer Debt, Self-Worth, and Financial Freedom with Tori Dunlap

    Getting Curious with Jonathan Van Ness

    Play Episode Listen Later Oct 29, 2025 47:07


    Money isn't just about math — it's about mindset. This week, JVN welcomes back financial educator, Her First $100K founder, and Financial Feminist Podcast host Tori Dunlap to the pod to talk about how we can break free from money shame and finally feel confident with our cash!  From debt and credit cards to saving, investing, and taxes, Tori breaks down the emotional and practical sides of money management — and why so many of us tie our self-worth to our bank accounts. They're talking about how to build real financial confidence, stop saying “I'm bad with money,” and start making choices that align with your values. Whether you're paying off debt, dreaming about investing, or just trying to chill every time you check your balance — this episode will help you rethink what financial freedom really means.  BIO: Tori Dunlap is a financial educator, author, and entrepreneur best known as the founder of Her First $100K, a multimillion-dollar company dedicated to financial feminism and helping women build money confidence. After saving $100,000 by age 25 and leaving her corporate marketing job, she grew her platform into a top podcast and New York Times bestselling book of the same name, Financial Feminist. Today, Tori reaches millions with practical tools for tackling debt, saving, and investing, and was named to Forbes 30 Under 30 for her work reshaping how women talk about money. Full Getting Better Video Episodes now available on YouTube.  Follow Tori Dunlap on Instagram @herfirst100k  Follow The Financial Feminist @financialfeministpodcast  Follow Getting Better on Instagram @gettingbetterwithjvn  Follow Jonathan on Instagram @jvn Check out the JVN Patreon for exclusive BTS content, extra interviews, and much much more - check it out here: www.patreon.com/jvn  Senior Producer, Chris McClure Producer, Editor & Engineer is Nathanael McClure Production support: Chad Hall Our theme music is also composed by Nathanael McClure. Curious about bringing your brand to life on the show? Email podcastadsales@sonymusic.com. Learn more about your ad choices. Visit podcastchoices.com/adchoices

    The Personal Finance Podcast
    How to Get to $10K a Month in Cashflow With Dustin Heiner

    The Personal Finance Podcast

    Play Episode Listen Later Oct 29, 2025 41:27


    Join the community built to help you master your money, stay accountable, and reach financial freedom.

    Peak Human - Unbiased Nutrition Info for Optimum Health, Fitness & Living
    Part 229 -Reviving Regenerative Agriculture with Will Harris

    Peak Human - Unbiased Nutrition Info for Optimum Health, Fitness & Living

    Play Episode Listen Later Oct 29, 2025 62:41


    Will Harris is known for his pioneering regenerative agriculture practices. The episode explores Harris's journey from traditional farming to regenerative agriculture, the economic challenges, and the impact on land, community, and ecosystems. Harris shares insights from his experiences, including his transition away from chemical-dependent farming and the development of vertically integrated operations. They discuss the benefits of regenerative practices, the difficulties in marketing and scaling, as well as the broader implications for nutrition and sustainability. Lastly, the episode addresses the sustainability of feeding the world through regenerative practices, emphasizing local community support and the long-term generational benefits. 05:10 Introduction to Will Harris 09:05 Challenges and Evolution in Farming Practices 29:43 The Impact of Erosion on Soil Health 30:09 Scientific Comparison: Monocrop vs. Diverse Ecosystem 30:48 Economic Challenges of Transitioning to Regenerative Farming 31:49 The Rise of Grass-Fed Beef and Market Challenges 33:00 Educating Consumers on Grass-Fed Beef 35:03 The Influence of Propaganda on Food Choices 42:18 The Role of Debt in Farm Management 44:15 Challenges in Poultry Farming 50:31 The Benefits of Regenerative Agriculture 53:31 Feeding the World Sustainably 01:00:20 Reflections on the Future of Regenerative Farming BEEF TALLOW PRODUCTS: NosetoTail.org Preorder the film here: http://indiegogo.com/projects/food-lies-post Film site: http://FoodLies.org YouTube: https://www.youtube.com/c/FoodLies Follow along: http://twitter.com/FoodLiesOrg http://instagram.com/food.lies http://facebook.com/FoodLiesOrg

    Brian Wallenberg Show
    Shutdown Continues

    Brian Wallenberg Show

    Play Episode Listen Later Oct 29, 2025 65:05


    It's coming up one month into the Government shutdown with no end in sight.  The Democrats insist on having over $1 Trillion in wasteful spending.  Democrats had their, "Hate America," rallies across the country and most were trying to provoke violence.  Most of them have gone crazy.  More and more people are predicting that Minnesota may flip Red next year.   The U.S. military is blowing up drug boats that were set to sail to the United States.  Democrats are freaking out about the ballroom that is being added on to the White House.  There is a fake AI video out there that appears to show Dan Bongino saying that the Secret Service has been compromised and that President Trump may be in danger.  -Thank you for listening!- 

    The Liquid Lunch Project
    Real Estate&#x27;s Interest Rate Hangover: What Happens When Cheap Debt Dies

    The Liquid Lunch Project

    Play Episode Listen Later Oct 29, 2025 31:49


    Is real estate dead? Or are we just in the hangover phase after cheap money? In this episode of The Liquid Lunch Project, Matt and Lou sit down with August Biniaz (founder & CIO of CPI Capital) to rip the lid off today's real estate climate. We go deep on how interest rates broke the model, how Canadian mortgages force you to "rematch" every five years, and why "build-to-rent" is catching heat. The real bombs drop when we talk operator risk, investor communication, and where the real opportunities still lie in the U.S.

    Behind the Money with the Financial Times
    $12bn of debt: How First Brands Group collapsed

    Behind the Money with the Financial Times

    Play Episode Listen Later Oct 29, 2025 26:37


    Some of the world's biggest financial institutions are reeling after the collapse of a little-known car parts supplier: First Brands Group. The company filed for bankruptcy last month, and since then, FT reporters have shone a spotlight on billions of dollars of hidden debt and a secretive founder whose borrowing habits left creditors exposed. The FT's corporate finance editor Robert Smith and banking editor Ortenca Aliaj walk through their investigation and explain how this event has raised questions about potential cracks in private credit. - - - - - - - - - - - - - - - - - - - - - - - - - - For further reading:The secretive First Brands founder, his $12bn debt and the future of private creditFirst Brands Group: dude, where's my cash?First Brands bankruptcy: the losers — and winners- - - - - - - - - - - - - - - - - - - - - - - - - - Follow Robert Smith on X (@BondHack), or on Bluesky (@bondhack.ft.com). Michela Tindera is on X (@mtindera07) and Bluesky (@mtindera.ft.com), or follow her on LinkedIn for updates about the show and more. Read a transcript of this episode on FT.com Hosted on Acast. See acast.com/privacy for more information.

    MoneyWise on Oneplace.com
    The Long-Term Impact of Generous Lives with Sharon Epps

    MoneyWise on Oneplace.com

    Play Episode Listen Later Oct 29, 2025 24:57


    The most generous people give something money can't buy—their time, their presence, and their love.Generosity reaches far beyond finances. It shapes hearts, strengthens families, and builds communities of grace. Today, Sharon Epps joins us to talk about the long-term impact of generous living.Sharon Epps is the President of Kingdom Advisors, FaithFi's parent organization. Kingdom Advisors serves the broad Christian financial industry by educating and equipping professionals to integrate biblical wisdom and financial expertise.A Simple Question That Changes EverythingIf you've ever wondered what true generosity looks like, it's often simpler—and closer to home—than we think. Generosity isn't measured by dollar amounts or estate plans; it's written on the faces and in the actions of people who live with open hearts.In fact, if you ask someone a simple question like this, you will move their hearts more than you know:“Think about the most generous person you know. What do they look like? What's their countenance? Their posture?”Take a moment to picture them. Chances are, their face lights up your mind's eye. They're probably joyful, peaceful, genuine—and not necessarily wealthy. That's because generosity is about heart, not income. It's about presence, not possessions.When we make generosity personal, it changes us. We stop thinking in abstract ideas and start remembering real people who gave freely of themselves—and in doing so, reflected the heart of Christ.When this question is asked, the answers are often the same: a grandparent, an aunt, an uncle—someone who gave of themselves through love, laughter, and listening. These aren't people who built foundations or donated millions. They modeled generosity through steady love and consistency.That's what long-term generosity looks like. It starts at home and grows outward.Redefining Long-Term ImpactWhen we hear “long-term impact,” our minds often jump to wills, trusts, or endowments. Those are important tools, but they're not the whole story. True long-term impact happens when we invest our lives, not just our assets.Every day, we have the chance to sow generosity through acts of service, hospitality, and encouragement. These simple seeds—when planted faithfully—bear fruit that outlasts any financial gift because they grow in people's hearts.If you long to leave a legacy of generosity, start small.Serve one person this week. Ask God to show you where you can listen, encourage, or help.Be steady and intentional. Generosity grows through daily habits, not grand gestures.Practice generosity with time and words. The way you invest relationally today can change someone's tomorrow.Over time, those small acts of faithfulness will shape the kind of life others remember as generous.Generosity is most powerful when it's shared. Families that give together cultivate hearts that reflect God's heart. Take your children with you when you serve at a food pantry. Let them see generosity in action. Talk about giving not as an obligation but as a joyful response to God's grace.A Practical Tool for GivingOne practical way to make giving intentional is through a donor-advised fund—or what our friends at the National Christian Foundation call a Giving Fund. It's like a charitable checking account where you can deposit money now and prayerfully decide later how to distribute it.Opening one is quick and easy, and it's a great way to involve your children or grandchildren in deciding where to give. You can learn more or start one in under five minutes at FaithFi.com/NCF.Generosity Flows Toward PeopleIn the end, generosity isn't about how much we give—it's about who we're becoming. It's not just an act; it's a lifestyle. When our generosity flows toward people instead of possessions, we participate in God's ongoing story of redemption.That's the kind of impact that lasts far beyond our lifetime.On Today's Program, Rob Answers Listener Questions:I really want to honor God with my giving. I've been thinking about donating to St. Jude Children's Research Hospital and to my local church. Should I split my giving between the two, or focus everything on my church?I called about Qualified Charitable Distributions before, and your explanation helped—but I'm still not sure I understand them. At age 70, it seems like you lose out on any interest or growth from that money, and you can't take a tax deduction. So why would anyone do a QCD at that age? Would it ever make sense to take money from a Roth IRA instead? And are there income levels where a QCD just doesn't make sense?How can I strike the right balance between managing my money wisely and living with radical generosity?I have about $100,000 invested across the S&P 500, NASDAQ, and Dow, but I'm wondering if that's too risky. Would it be safer to put everything into the S&P 500, or is there a better approach? At 76, should I shift more into bonds—and if so, what kind would you recommend?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)National Christian Foundation (NCF)Redeeming Money: How God Reveals and Reorients Our Hearts by Paul David TrippWisdom 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 every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

    The Megyn Kelly Show
    Smoking Gun Biden Cover-Up Admission, Brutal KJP Interview, and Zohran's "Aunt" Lie, with Ruthless Podcast | Ep. 1181

    The Megyn Kelly Show

    Play Episode Listen Later Oct 28, 2025 103:10


    Megyn Kelly is joined by Josh Holmes, Comfortably Smug, Michael Duncan, and John Ashbrook, the hosts of the Ruthless Podcast, to discuss the smoking gun video of a top Biden advisor forced to admit he'd make millions if he kept the Biden cover-up going and the candidate won, the implications of this revelation, his guilt and shame over the money-making cover-up of Biden's cognitive decline, the brutal Karine Jean-Pierre New Yorker interview revealing the full extent of her incompetence, Megyn's dramatic reading of all the worst parts, KJP constantly describing herself as a "queer, black, woman" on her book tour, Michelle Obama's constantly making herself as a victim even in her new "The Look" announcement, Zohran Mamdani's fake tears and lies about a supposed aunt who was afraid to take subway after 9/11, his disrespect toward the real victims of the 9/11 terror attack, the dangers of voting for him as mayor of NYC, Gavin Newsom's lies about having a rough upbringing, his attempt to appear cool on a podcast with former NBA hosts, and more. Done with Debt: https://www.DoneWithDebt.com  & tell them Megyn Kelly sent you!Tax Network USA: Call 1-800-958-1000 or visit https://TNUSA.com/MEGYNto speak with a strategist for FREE todayFirst Liberty Institute: Explore why religious liberty is the first freedom tyrants target—and get your free copy of America's First Freedom at https://FirstLiberty.org/MegynSimpliSafe: Visit https://simplisafe.com/MEGYN to claim 50% off & your first month free!  Follow The Megyn Kelly Show on all social platforms:YouTube: https://www.youtube.com/MegynKellyTwitter: http://Twitter.com/MegynKellyShowInstagram: http://Instagram.com/MegynKellyShowFacebook: http://Facebook.com/MegynKellyShow Find out more information at:https://www.devilmaycaremedia.com/megynkellyshow Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

    Jill on Money with Jill Schlesinger
    Debt Pay Off Questions

    Jill on Money with Jill Schlesinger

    Play Episode Listen Later Oct 28, 2025 22:04


    I'm 66 and have been retired for four years, but I still have some outstanding debt, how should I tackle? Have a money question? Email us ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Subscribe to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Jill on Money LIVE⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Subscribe to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Jill on Money Newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ YouTube: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@jillonmoney⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@jillonmoney⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Twitter: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@jillonmoney⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ "Jill on Money" theme music is by Joel Goodman, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.joelgoodman.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

    Beau of The Fifth Column
    Let's talk about 38 Trillion and Trump's debt growing faster and faster....

    Beau of The Fifth Column

    Play Episode Listen Later Oct 28, 2025 3:47


    Let's talk about 38 Trillion and Trump's debt growing faster and faster....

    The Bobby Bones Show
    25W: Eddie Has Been Kicked Out of the Parlay Group + A Former NFL Star Forgot to Turn His Comments Off on Instagram + A Listener Asks an Update from Eddie on His Golf Tournament Debt He Still Owes Bobby

    The Bobby Bones Show

    Play Episode Listen Later Oct 27, 2025 54:43 Transcription Available


    Bobby opens with the headline: Eddie’s out of the 25W parlay group. How it went down, why it happened, and what it means for this coming Saturday's parlay. Then the crew dives into a former NFL star who forgot to turn off Instagram comments—cue the instant roast and some legendary replies. Finally, a listener checks in on Eddie’s lingering golf tournament debt to Bobby. Bobby makes it clear he doesn't want to do it too close to Halloween because then people will think he is dressing up, so the guys talk about some potential dates. Download the DraftKings Sportsbook App today: https://dkng.co/bobbysports If you or someone you know has a gambling problem, crisis counseling and referral services can be accessed by calling 1-800-GAMBLER (1-800-426-2537) (IL/IN/MI/NJ/PA/WV/WY), 1-800-NEXT STEP (AZ), 1-800-522-4700 (CO/NH), 888-789-7777/visit http://ccpg.org/chat (CT), 1-800-BETS OFF (IA), 1-877-770-STOP (7867) (LA), 877-8-HOPENY/text HOPENY (467369) (NY), visit OPGR.org (OR), call/text TN REDLINE 1-800-889-9789 (TN), or 1-888-532-3500 (VA). 21+ (18+ WY). Physically present in AZ/CO/CT/IL/IN/IA/LA/MI/NJ/ NY/PA/TN/VA/WV/WY only. N/A in NH/OR/ON. New customers only. Valid 1 per new customer. Min. $5 deposit. Min $5 wager. $200 issued as eight (8) $25 free bets. Ends 9/19/22. See http://draftkings.com/sportsbook for details. Follow the Show: @BobbyBonesSports Follow the Crew: @MrBobbyBones @ProducerEddie @KickoffKevin @MikeDeestro @BrandonRayMusic See omnystudio.com/listener for privacy information.