Podcasts about Deductible

Few things say “welcome to adulthood” quite like opening a medical bill and realizing you have absolutely no idea what you're looking at. There are billing codes, insurance adjustments, deductibles, coinsurance, and somehow a procedure that costs one amount on one line costs something completely different on another. In this episode of Grown-Up Stuff, Matt and Lea tackle the confusing world of medical bills and healthcare costs with patient advocate and healthcare transparency expert Cynthia Fisher. They break down how medical billing actually works, what all those codes and numbers mean, and why the amount a hospital says it charges isn't necessarily the amount you’ll pay. You'll learn how insurance-negotiated rates, deductibles, copays and coinsurance factor into your final bill, why it's worth asking for an itemized bill, and what to do when something doesn't look right. Cynthia also explains how to question charges, negotiate medical bills, and advocate for yourself when you're faced with a bill you can't, or don't think you should have to, pay. Because being a grown-up means knowing how to make a doctor's appointment. But apparently it also means knowing what to do when the bill arrives.See omnystudio.com/listener for privacy information.

Premiums are climbing, deductibles feel heavier every year, and most people still can't tell you why health care costs what it costs. From the Mackinac Policy Conference, we talk with Dominick Pallone, CEO of the Michigan Association of Health Plans, to get a clear look at what health plans actually do in Michigan and how state policy decisions ripple straight into employer coverage and family budgets.We start with the basics: MAHP represents nine health insurance companies covering nearly four million Michiganders, and their day-to-day work is advocacy with state lawmakers and regulators. From there, we dig into competition and choice in a market long shaped by a dominant carrier, and why employers and individuals should know they have other network options. The goal, Dom argues, is competing on access, quality outcomes, and real value rather than just headlines.Then we get to the affordability problem everyone feels. Dom explains why insurers often function as pass-through entities for underlying prices, and why pharmacy costs have become the biggest lever right now. We talk about double-digit premium trends, specialty drugs that are clinically remarkable but financially punishing, and the policy tightrope between supporting innovation and keeping coverage usable. We also explore practical fixes: value-based care arrangements, custom high-value networks, and health literacy tools like real-person call centers and apps that help members compare cost and quality for elective care.If you care about Michigan health care, health insurance affordability, pharmacy pricing, and what can actually move the needle, this conversation is for you. Subscribe, share this with a friend or colleague, and leave a review with the biggest cost question you want answered next.Support the showEngage the conversation on Substack at The Common Bridge!

We would love to hear your feedback!We bounce from chaotic delivery routes to the tech and policy changes that are quietly reshaping gig work. We talk through what drones, robots, and robotaxis could mean for driver income, safety, and privacy, plus the real math behind Uber's new deductible option. • Amazon routes stretching into high-mileage nights • Better Trucks first impressions, unclear offer details, app reliability and Branch pay setup • What a Waymo ride feels like, safety concerns and why it drives “herky jerky” • Uber's per-mile charge to reduce a $2,500 accident deductible, who it helps and when it adds up • DoorDash viral case heading to trial, why privacy matters for drivers and content creators • Why drones may fit DashMart and small items better than fast food • Spark pickup changes that push drivers to load and secure orders themselves • Cybercab talk, fleet ownership ideas, servicing logistics, and passenger security questions • Waymo returning to freeway service, construction zones as the hard edge case • Porch pirates, driveway drop-offs, and the unwritten rules of delivery etiquette Support the showEverything Gig Economy Podcast Related: https://gigeconomyshow.com/Download the Audio Podcast: https://thegigeconomypodcast.buzzsprout.com Love the show? You now have the opportunity to support the show with some great rewards by becoming a Patron. Tier #2 we offer free merch, an Extra in-depth podcast per month, and an NSFW pre-show https://www.patreon.com/thegigeconpodcastOctopus is a mobile entertainment tablet for your riders. Earn 100.00 per month for having the tablet in your car! No cost for the driver!https://playoctopus.page.link/HD2FBKJzFqRR35YE9 Your car stinks, use this! https://bit.ly/Driftsents The Gig Economy Podcast Group Download Telegram 1st, then click on the link to join. https://t.me/joinchat/R42wUR2QGhCi2gBDTikTok: https://www.tiktok.com/@gigeconomypodcast?Subscribe on Youtube https://www.youtube.com/c...

FACING A FUTURE OF VERY EXPENSIVE MEDICAL TREATMENT, HAVING ENJOYED THE FINANCIAL BENEFITS OF HIGH DEDUCTIBLE PLANS FOR OVER A DECADE, WHAT DO THE OPTIONS LOOK LIKE IF A CHANGE TO ANY OTHER PLAN WERE POSSIBLE? A VALUED CLIENT WONDERS WHY NOBODY AT HIS MEDICARE SUPPLEMENT INSURANCE COMPANY COULD BE REACHED BY TELEPHONE. I SUGGESTED THE REASON MIGHT HAVE SOMETHING TO DO WITH THE CALENDAR: IT WAS SUNDAY! THE REPRESENTATIVE OF A MEDICAL EXPERT ASKED IF I WOULD CONSIDER HER CLIENT FOR A GUEST INTERVIEW.                                                                          HER AREA OF EXPERTISE? TREATENT OF CANINE DEMENTIA!  FINALLY, IS PERSONAL INFORMATION SUBMITTED VIA A FORM ON MY WEBSITE REALLY SECURE? Contact me at: DBJ@MLMMailbag.com (Most severe critic: A+)                   Visit us on: BabyBoomer.ORG Inspired by: "MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!" "MEDICARE ENROLLMENT GUIDE" - DOWNLOAD FREE "MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE" ....AND A PODCAST! @ DBJ@M4TLM.com W medicareforthelazyman.com T (630) 878-5055   Review Us On Google  For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to  help future readers. Official website: https://www.MedicareForTheLazyMan.com.

Who is responsible for deciding whether a business expense is tax deductible: the client, the bookkeeper, or the tax preparer? In this episode, our favorite Bookkeeping Mensch, Paul Rosenblum, shares his approach to handling missing receipts, client gifts, business meals, and other bookkeeping gray areas. He touches on where professional responsibility begins and ends, and whether bookkeepers should rely on client information or use their own judgment when categorizing expenses. Send us Fan MailSupport the showAbout the hostPaul Rosenblum has been doing hands-on bookkeeping for over 30 years, starting with QuickBooks Desktop and adapting to the world of cloud-based QuickBooks Online. He shares practical, in-the-weeds lessons from real client files every episode.

While Dan is away on his Honeymoon, we have Chloe & Tim diving into the wonderful world of Child Care Subsidies (CCS) — because apparently raising children wasn't expensive enough already. They unpack how CCS is actually calculated, why your income might not be what Centrelink thinks it is, and how things like salary packaging, fringe benefits, extra super, and investment property losses can affect your subsidy. The pair also tackle the big question many parents ask themselves: "Is it even worth going back to work?" when childcare costs, tax, and daycare sickness seem determined to eat every extra dollar you earn. Plus, they throw around a few ideas on how to fix the system, including whether childcare should simply be tax deductible. This is one not to be missed!  

This episode chronicles a challenging five-day backpacking trip up Mount Harvard in Colorado, one of the state's highest peaks. The journey involved an arduous off-trail ascent on the backside of the mountain, characterized by steep, unmarked terrain and significant elevation gain over a short distance. The speaker recounts the physical demands of navigating boulder fields and treacherous slopes, emphasizing the resulting exhaustion and the stark contrast between this wilderness approach and more conventional summit hikes. Following the adventure narrative, the conversation briefly explores the practicalities of outdoor gear, specifically focusing on the comfort and necessity of good sleeping pads for overnight trips. This segues into a discussion of current events, covering a range of topics that highlight societal issues and legal matters. These include a lighthearted account of a suburban dispute with a homeowner's association, a more serious incident involving a pastor in Louisiana, and allegations of a city council member acting as an agent for the Chinese government. The episode delves into the legal ramifications of roofing scams, referencing a specific Texas law, House Bill 2102, that prohibits contractors from waiving or absorbing homeowner deductibles. The speakers clarify that this practice is illegal and can result in severe penalties for both the contractors and homeowners involved, particularly for insurance fraud. They stress the importance of homeowners conducting due diligence, obtaining multiple quotes, and avoiding any contractor who offers to circumvent the deductible, as it often indicates other unethical or illegal business practices. The discussion also touches upon broader societal trends, including the role of religion in public education with the mention of a new Texas law mandating the Bible in public schools, and the personal responsibility of parents in educating their children about morals and beliefs. The speakers share their perspectives on these issues, emphasizing the lasting impact of parental guidance and the importance of critical engagement with educational content, regardless of personal beliefs. The episode concludes with a practical tip for homeowners regarding deductible savings and a call to action for listeners to engage with their content. Buy a Homeowners Show T-Shirt! Subscribe to our YouTube Channel The Homeowners Show Website The Homeowners Show Facebook Page Instagram @homeownersshow Twitter @HomeownersThe Info@homeownersshow.com Sustained Growth Solutions – Design a lead generation system specifically for your business so that you never have to search for leads again! We are a full digital marketing agency. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

The older we get, the more accommodations we need. Can these home improvements be considered tax deductible? Learn now!  If you owe the IRS at least $10,000 in back taxes or have multiple years of unfiled returns you need filed, book a free consultation here: https://choicetaxrelief.com/free-tax-...#TaxDeductible #Taxes #TaxRules

Debt recycling at its core, is making your part of your mortgage tax deductible. Debt recycling can be an attractive strategy for those on higher marginal tax rates. Mark and Shani run through how to know whether it is right for you.You can find the full article here.Would you like more free insights from Mark, Shani and the rest of the Morningstar team? You can find them here.Get 50% off your first two months of PocketSmith's Foundation or Flourish plans here.A message from Mark and ShaniFor the past five years, we've released a weekly podcast to arm you with the tools to invest successfully. We've always strived to provide independent, thoughtful analysis, backed by the work of hundreds of researchers and professionals at Morningstar.We've shared our journeys with you, and you've shared back. We've listened to what you're after and created a companion for your investing journey. Invest Your Way is a book that focuses on the investor, instead of the investments. It is a guide to successful investing, with actionable insights and practical applications.The book is now available! It is also available in Audiobook format from most sellers.Purchase from Amazon or Purchase from BooktopiaTo submit any questions or feedback, please email mark.lamonica1@morningstar.com or leave us a voicemail to feature on the podcast here.Audio Producer and mixer: William Ton. Hosted on Acast. See acast.com/privacy for more information.

Hear money lessons from NerdWallet moms and learn how to budget for healthcare on a high-deductible plan. What does motherhood teach you about money? In honor of Mother's Day, hosts Sean Pyles, CFP®, and Elizabeth Ayoola gather money lessons from NerdWallet moms — including Erin El Issa, Amanda Barroso, Kate Ashford, and Pamela de la Fuente — as well as from Sean's mom, Jeanne. They explore the pressure to keep up with influencers and other parents, the costly belief that core childhood memories can be bought, the role allowances play in helping kids feel the weight of their own money, and what becoming a parent reveals about long-term saving. How do you budget for healthcare when your employer switches you to a high-deductible plan and bills are coming in faster than you can build up your HSA? Sean and Elizabeth are joined by personal finance writer Kate Ashford to answer a question from a listener whose routine doctor visit ballooned from a $30 quote to nearly $500 out of pocket. They dig into the triple tax advantages of HSAs, the math behind comparing high-deductible and traditional coverage, why the first year on an HDHP can feel especially brutal, and what to do when medical expenses outpace your savings. Want us to review your budget? Fill out this form — completely anonymously if you want — and we might feature your budget in a future segment! https://docs.google.com/forms/d/e/1FAIpQLScK53yAufsc4v5UpghhVfxtk2MoyooHzlSIRBnRxUPl3hKBig/viewform?usp=header To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email podcast@nerdwallet.com. Like what you hear? Please leave us a review and tell a friend. Learn more about your ad choices. Visit megaphone.fm/adchoices

Did you know that if you have a high-deductible health plan, some services like immunizations and screenings are free (even if you haven't met your deductible)? Or that you might be able to invest the money in your HSA? This episode, KFF Health News reporter Jackie Fortiér shares tips on getting the most out of your HDHP.Have a question about navigating the health care system? Contact us here and you might be part of an upcoming episode of Health Care Helpline.Follow us on Instagram: @nprlifekitSign up for our newsletter here.Have an episode idea or feedback you want to share? Email us at lifekit@npr.orgSupport the show and listen to it sponsor-free by signing up for Life Kit+ at plus.npr.org/lifekitSee pcm.adswizz.com for information about our collection and use of personal data for sponsorship and to manage your podcast sponsorship preferences.NPR Privacy Policy

Did you know that if you have a high-deductible health plan, some services like immunizations and screenings are free (even if you haven't met your deductible)? Or that you might be able to invest the money in your HSA? This episode, KFF Health News reporter Jackie Fortiér shares tips on getting the most out of your HDHP.Have a question about navigating the health care system? Contact us here and you might be part of an upcoming episode of Health Care Helpline.Follow us on Instagram: @nprlifekitSign up for our newsletter here.Have an episode idea or feedback you want to share? Email us at lifekit@npr.orgSupport the show and listen to it sponsor-free by signing up for Life Kit+ at plus.npr.org/lifekitSee pcm.adswizz.com for information about our collection and use of personal data for sponsorship and to manage your podcast sponsorship preferences.NPR Privacy Policy

You scraped together your own money to start a brand-new nonprofit. You're out the money, but can you at least take a tax deduction? Meghan and I are back with a question from a new nonprofit founder who wants to know if the startup cash they put in before getting their 501c3 status counts as a tax-deductible donation. It's one of the most common questions we hear from new founders, and the answer involves a pretty handy IRS rule most people don't know about. Real Listener Question: "In June 2025, two friends and I created a housing placement nonprofit and each put our own money in to get it started. We earned our 501c3 status that September. Does that startup cash count as a tax-deductible donation even though it happened before our status was official?" Meghan and I break down the IRS backdating rule, the chicken-and-egg problem of nonprofit startup costs, and what founders need to know before they file their taxes. What You'll Learn: Why starting a nonprofit costs more than most founders expect The IRS backdating rule and how it protects early donors and founders What the 27-month window means for your tax-exempt status How founders can get reimbursed for the startup costs Why you can't take a deduction AND get reimbursed later Bottom line: Nonprofits are businesses, and businesses have startup costs. Know your options before you file, and don't double dip. Resources from this Episode Watch the C.H.U.D. trailer: https://youtu.be/iNq2yPGhv1w?si=-BIOh_iP-WCv_L0B Previous Episode: Why Recording In-Kind Donations Matters For Your Nonprofit: https://birkenlaw.com/charity-therapy-podcast/ct161-recording-inkind-donations Episode Transcript: https://birkenlaw.com/wp-content/uploads/2026/03/CT162_Transcript.pdf Connect with Us Jess Birken: https://www.linkedin.com/in/jessbirken/ Meghan Heitkamp: https://www.linkedin.com/in/meghan-heitkamp-829254115/ Listen & Engage Listen on Apple Podcasts | Spotify | YouTube | Amazon Music Rate & Review on Apple Podcasts: Click "Ratings and Reviews" then "Write a Review" Send us your nonprofit questions: https://birkenlaw.com/podcast/#podcast-story   Stay Connected Sign up for the Birken Law Email list: https://birkenlaw.com/signup/   Follow us on Facebook, Instagram, Twitter

Health Affairs Publishing's Jeff Byers welcomes Jeanne Lambrew of The Century Foundation to discuss her recent Forefront article exploring whether high deductibles and health spending accounts achieve their intended goals and how alternative approaches could improve healthcare affordability and access. On April 20th, join us for our upcoming Insider exclusive event exploring the evolution of the Medicare Advantage market featuring Sachin Jain, David Meyers, and Grace Mackleby.Also, check out our newest trend report focusing on the current state of prior authorization.Become an Insider today.Related Articles:Abandon—Don't Expand—High-Deductible Plans Linked To Spending Accounts (Health Affairs Forefront)

Adjustable-rate mortgages (ARMs) are booming again, but Clark has a major warning: this "oldie but baddy" could be a financial time bomb. Clark breaks down why banks are pushing ARMs, who they actually work for (a narrow group indeed), and the "reset" risk that could cost you your home. Also, health insurance has become insanely expensive. Many Americans are skipping meals just to pay for healthcare. Clark discusses why catastrophic-only plans are a dangerous gamble and identifies the real culprit behind our skyrocketing medical bills.  Danger: Adjustable Rate Mortgages: Segment 1 Ask Clark: Segment 2 High Deductible Health Plans: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Adjustable-Rate Mortgages Are Popular Again – Here's Why You Need To Be Careful NYTimes: A Third of Americans Have Cut Spending or Borrowed Money for Health Care NYTimes: New A.C.A. Plans Could Increase Family Deductibles to $31,000 What Is an HSA Account and How Does It Work? - Clark Howard How to Deal With Medical Debt - Clark Howard Will Mark Cuban's Prescription Company Really Save You Money? 10 Ways To Save on Prescription Drugs - Clark Howard 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. Visit megaphone.fm/adchoices

Resources Mentioned: Eligibility Verification GuideMargin Protection Playbook High-deductible health plans are crushing your practice's cash flow. If you're still using old-school patient collection methods, you're leaving thousands on the table every single month. In this episode, we break down nine specific, actionable strategies that top-performing practices are using right now to collect more patient balances, faster. No fluff, no theory—just a practical playbook for getting paid in 2026. 

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Wondering how the 2026 Medicare Part B annual deductible works? In this episode, we break down what the deductible means, how it affects what you pay for outpatient care and doctor visits, and what to expect in the coming year. Learn how Medicare Supplement plans can help cover these gaps and protect your retirement savings from unexpected medical costs.

Entertainment is not a deductible law firm expense! U.S. law firm owner doing $300k–$2M/year? Get a free Law Firm Profit & Tax Checkup where I review your books and tax setup and highlight a few ways similar firms are keeping more of what they earn. Book your checkup here: https://bigbirdaccounting.com

MEDICARE ADVANTAGE MINUTE!                                                                      THE NINE BIGGEST DISADVANTAGES TO MEDICARE ADVANTAGE! I want to do a good job for my clients. Some companies make that easier than others. One of them is an absolute standout, in spite of not always maintaining rate stability with Plan G premium increases. An insurance broker in Atlanta is worried about my diminished income. Agents make smaller sales commissions when they sell low-cost products like HDG. Finally, I quiz Randy on which states are projected to be best and worst for retirement this year. On the way, I inadvertently placed Eagle in Wyoming instead of Idaho! Contact me at: DBJ@MLMMailbag.com (Most severe critic: A+)                   Visit us on: BabyBoomer.ORG Inspired by: "MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!" "MEDICARE ENROLLMENT GUIDE!" (Free download from site below) "MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE" "MEDICARE FOR THE LAZY MAN: ENROLLMENT GUIDE!" (coming soon) For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to  help future readers. Official website: https://www.MedicareForTheLazyMan.com.

MEDICARE ADVANTAGE MINUTE!                                                              KAISER'S $556 MILLION MEDICARE ADVANTAGE WHISTLEBLOWER LAWSUIT HIPPA privacy be damned; one of my doctor bills started at $265 but after going through Medicare and my High Deductible Plan G, the bill magically became $17! Life expectancy in the USA has set a new record. We list the top 10 causes of death. Then we list the Medicare supplement rate increase filings from several insurance companies in several states.                                                                              Bottom line: Medical inflation is exerting upward pressure on insurance costs. Finally, beware of Kindle E-books! They now allow readers to ask questions about the content. That part is OK but the answers will come from AI and there will be no guarantee of accuracy. I would take my questions straight to the horse's mouth! Contact me at: DBJ@MLMMailbag.com (Most severe critic: A+)                   Visit us on: BabyBoomer.ORG Inspired by: "MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!" "MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE" "MEDICARE ENROLLMENT GUIDE!" (Free download from site below) For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to  help future readers. Official website: https://www.MedicareForTheLazyMan.com.

January 16, 2026 In this episode, Scott, Mark, and Ray Painter revisit the new prostate biopsy CPT codes and provide a key update on the use of ProMaxo for MRI-guided biopsies. Mark shares recent insights confirming that CPT codes 55713 and 55714 are appropriate for procedures performed with ProMaxo, clearing up previous ambiguity around the “in-bore” language. Then, the team shifts to deductible season challenges, emphasizing front-desk protocols, eligibility verification, patient collections, and how to handle the increased complexity brought on by insurance churn and Medicare Advantage transitions. This episode delivers practical tips for optimizing both coding confidence and cash flow in the new year.Urology Advanced Coding and Reimbursement SeminarInformation and RegistrationPRS Coding and Reimbursement HubAccess the HubFree Kidney Stone Coding CalculatorDownload NowPRS Coding CoursesFor UrologistFor APPsFor Coders, Billers, and AdminsPRS Billing and Other Services - Book a Call with Mark Painter or Marianne DescioseClick Here to Get More Information and Request a Quote Join the Urology Pharma and Tech Pioneer GroupEmpowering urology practices to adopt new technology faster by providing clear reimbursement strategies—ensuring the practice gets paid and patients benefit sooner.         https://www.prsnetwork.com/joinuptpClick Here to Start Your Free Trial of AUACodingToday.com   The Thriving Urology Practice Facebook group.The Thriving Urology Practice Facebook Group link to join:https://www.facebook.com/groups/ThrivingPractice/ 

Send us a text message! But please include your email or a way to get in touch with you. This feature is not two way! Let's Talk Lunch… And Reality. This tax season comes with a few surprises. Season 7 kicks off with a friendly but practical walkthrough of one of the most misunderstood areas of bookkeeping: everyday food and drink expenses. Our favorite bookkeeping mensch, Paul Rosenblum, explains what's changed for 2026, why certain habits no longer work the way they used to, and how a little clarity now can save a lot of confusion later. Paul breaks down what still counts, what doesn't, and how bookkeepers can guide clients through the shift without panic or awkward end-of-year conversations. Along the way, he reminds us (again) that good bookkeeping isn't about perfection or software shortcuts. It's about judgment, context, steady communication throughout the year, and the human element that no software can replace.Ask Paul a question: https://www.speakpipe.com/PaulRosenblumPodcastSupport the show

Today we are talking to an internal medicine doc with a great story. She started her medical school journey later in life when she and her husband decided to do whatever it took to help her fulfill her dream of becoming a doctor. Her husband quit his job to stay home and care for their 4 children and she went to medical school. Today we are celebrating her paying off $300,000 of student loans. She has worked hard to pay down debt alongside saving and buying a nice home for her family. Her tips for success are to ground yourself, have a plan and do not let your emotions make your decisions for you. Today's sponsor, Black Swan Real Estate, offers accredited investors access to private multifamily real estate investments with an investor-first model. Unlike most firms, Black Swan collects no GP-level fees and takes no profit until investors receive a full return of capital. Their physician-led team brings a hands-on approach to managing their $375M portfolio, ensuring every asset is optimized for cash flow, appreciation, and tax advantages. With a track record of meeting and exceeding return targets, Black Swan Real Estate provides stability and growth for long-term wealth building. Discover more at https://www.whitecoatinvestor.com/blackswan The White Coat Investor has been helping doctors, dentists, and other high-income professionals with their money since 2011. Our free personal finance resource covers an array of topics including how to use your retirement accounts, getting a doctor mortgage loan, how to manage your student loans, buying physician disability and malpractice insurance, asset allocation & asset location, how to invest in real estate, and so much more. We will help you learn how to manage your finances like a pro so you can stop worrying about money and start living your best life. If you're a high-income professional and ready to get a "fair shake" on Wall Street, The White Coat Investor is for you! Have you achieved a Milestone? You can be on the Milestones to Millionaire Podcast too! Apply here: https://whitecoatinvestor.com/milestones  Find 1000's of written articles on the blog: https://www.whitecoatinvestor.com  Our YouTube channel if you prefer watching videos to learn: https://www.whitecoatinvestor.com/youtube  Student Loan Advice for all your student loan needs: https://studentloanadvice.com  Join the community on Facebook: https://www.facebook.com/thewhitecoatinvestor  Join the community on Twitter: https://twitter.com/WCInvestor  Join the community on Instagram: https://www.instagram.com/thewhitecoatinvestor  Join the community on Reddit: https://www.reddit.com/r/whitecoatinvestor  Learn faster with our Online Courses: https://whitecoatinvestor.teachable.com  Sign up for our Newsletter here: https://www.whitecoatinvestor.com/free-monthly-newsletter  00:00 MtoM Podcast #256 02:16 Internist Pays Off $300,000 of Student Loans in 7 Years 18:07 Advice For Others 21:18 High Deductible Health Plans vs PPO

Had a major loss from an accident and wondering if it's deductible? Dr. Friday explains why, under current law, most non-disaster losses can't go on your tax return. Transcript G’day, I’m Dr. Friday, president of Dr. Friday’s Tax and Financial Firm. To get more info, go to www.drfriday.com. This is a one-minute moment. Talking about losses, client came in, they had some losses of a vehicle due to accidents. It was not to do with a federal disaster. And they were sure that they should be able to write off the losses of these vehicles because, well, they lost them. The answer is no. So keep in mind, nowadays, under the current tax law, at one point there was casualty loss and disaster loss available on your taxes—years ago, back in the 2000s, 2007, 2008. Now we have to have a federal disaster to be able to claim any loss of property. If you need a question, 615-367-0819. You can catch the Dr. Friday Call-in Show live every Saturday afternoon from 2 to 3 p.m. right here on 99.7 WTN.

     MEDICARE ADVANTAGE MINUTE:                                                             JUDGE SIDES WITH HUMANA; TOSSES OUT MEDICARE ADVANTAGE AUDIT RULE. FAILS TO RECOVER $4.7 BILLION IN GOVERNMENT OVERPAYMENTS TO INSURANCE PLANS.      YOUR MEDICARE BENEFIT 2025:                                                           TRANSITIONAL CARE MANAGEMENT PROGRAMS. Analysis of the typical situation when it comes to rate increases on Medicare supplement plans. A person paying the high Plan G premium is likely to receive larger and more frequent rate increases, in this case a 25% increase. On the other end of the spectrum, a smart purchaser of a High Deductible Plan G with a relatively small premium is is given a rate increase of only 6.75%. Article: With Medicare premiums set to rise, is Medicare supplement going to be worth it? Toni King reads a letter from a disappointed reader and winds up advising him to investigate biosimilar medications. Contact me at: DBJ@MLMMailbag.com (Most severe critic: A+)                   Visit us on: BabyBoomer.ORG Inspired by: "MEDICARE FOR THE LAZY MAN 2025; SIMPLEST & EASIEST GUIDE EVER!" "MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE" "MEDICARE FOR THE LAZY MAN: BARE BONES!" For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to  help future readers. Official website: https://www.MedicareForTheLazyMan.com.

Thanksgiving special.  God enjoys when we give thanks.  Jesus died for our sins.  Biden Harris Inflation Reduction Act.  Mark Cuban and his website: CostPlusDrugs.com.  Deductible increases coming up.

In this episode, I interview Ruthann Anderson, CEO of CAPCA (California Association of Pest Control Advisors). Ruthann explains that CAPCA represents licensed PCAs (Pest Control Advisors) who she describes as “plant doctors,” often recommending non-chemical solutions such as irrigation changes, soil sampling, and nutrition adjustments before turning to pesticides. They advise across agriculture, turf, ornamental, and urban environments, and CAPCA focuses on statewide education and advocacy to support the profession. She discusses challenges like public perception and inconsistent enforcement in the past. A major example is the BeeWhere program, which CAPCA helped modernize to improve communication between beekeepers and pesticide applicators to reduce bee losses, showing how collaboration across groups leads to better outcomes.We also discuss the complexity of pest management, including public health issues like rat infestations, and the misconception that agriculture uses chemicals carelessly. Ruthann mentions grant-funded work documenting over 200 examples of PCAs choosing non-chemical approaches, which CAPCA plans to publish.We also dive into United Ag's mission to transform healthcare in agriculture: simplifying access, reducing costs, and putting empathy first with zero-copay clinics in rural communities. Ruthann highlights how thoughtful decisions, whether in farming or healthcare, lead to better outcomes, and she shares how CAPCA members can leverage United Ag's network for reliable health coverage.CAPCA: https://capca.com/Kirti Mutatkar, President and CEO of UnitedAg. Reach me at kmutatkar@unitedag.org, www.linkedin.com/in/kirtimutatkarUnitedAg website - www.unitedag.orgUnitedAg Health and Wellness Centers - https://www.unitedag.org/health-benefits/united-agricultural-benefit-trust/health-centers/Episode Contributors - Ruthann Anderson, Kirti Mutatkar, Dave Visaya, Rhianna MaciasThe episode is also sponsored by Brent Eastman Insurance Services Inc. - https://brenteastman.comBlue Shield of California - https://www.blueshieldca.comElite Medical - https://www.elitecorpmed.comGallagher - https://www.ajg.com/SAIN Medical https://sainmedical.com/MDI Network - https://www.mdinetworx.com/about-us

If you're thinking about selling a timeshare, Dr. Friday explains why losses on personal-use timeshares can't be deducted on your tax return. Transcript G’day, I’m Dr. Friday, president of Dr. Friday’s Tax and Financial Firm. To get more info, go to www.drfriday.com. This is a one-minute moment. Most people who sell timeshares sell them at a loss. That’s just the way it is. The loss of the sale of a timeshare held for personal use is not deductible. So when you’re dealing with timeshares—and I’ll be honest, guys, I am not a fan of a timeshare. I like visiting, I like to travel, but it seems like they always lock you into something that 20 years later you’re still paying and it’s increased and you don’t have any asset really. So you sell it, you have a loss. We can’t claim the loss because it’s a personal loss. And therefore, think about what you’re investing into so that you won’t end up putting money into something that us tax people cannot deduct off your tax returns. Check us out on the web at drfriday.com. You can catch the Dr. Friday Call-in Show live every Saturday afternoon from 2 to 3 p.m. right here on 99.7 WTN.

If you'd like to work with us on your Medicare health plan, we're licensed in 45 states and actively helping clients across the country. Christian and the team at Everything Senior Insurance represent many of the top insurance companies in the Medicare space. We're happy to help—just reach out! ➡️ Visit our site: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.eseniorinsurance.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠✅ Call us: (801) 255-5340

Year-End Giving Reminder:  The last few weeks of the year are when most charitable giving happens — people feel more generous, tax benefits kick in for those who itemize, and many folks use year-end bonuses or appreciated stock to support causes they believe in. It's the perfect moment to make a meaningful impact, especially with an organization that stretches every donor dollar farther than you ever could on your own.   Why United Way Might Be One of the Smartest Ways to Give Back To Business Monday You know how I like to start a Monday: a little caffeine, a little optimism, and a whole lot of "let's get back to business." And today's business? The business of helping people — and why the United Way may be one of the most effective ways to do that in your own backyard. I sat down with David Rabin, CEO of the Greenwich United Way, and even though we talked about his local chapter, the lessons apply EVERYWHERE — because what he shared is an example how United Ways across the country (and the world!) operate. The Big Picture: United Way is a massive global network with: • 1,200 local United Ways • Serving 1,800 communities • Across 40 countries Each community has its own United Way chapter focused on local needs — and that local focus is what makes the entire model powerful.   Why United Way Might Be a Better Choice Than Donating to One Charity Directly This was the "aha!" moment for me — and it applies no matter where you live. 1. United Way does the homework you don't have time for. They review each nonprofit's tax returns, audited financials, budgets, spending, and program data with a fine-tooth comb. They uncover inefficiencies and issues most donors would never spot. 2. They maximize your impact by giving where the greatest needs actually are. Local needs change constantly — mental health, childcare, housing, literacy, food insecurity — and United Way chapters run formal needs assessments to know exactly where donor dollars matter most. 3. One donation supports the entire ecosystem of help in your community. Instead of supporting one organization, your gift can strengthen dozens of essential local programs — the ones people rely on when life gets hard. 4. They build solutions when none exist. For example, in Greenwich, CT the local United Way partnered with the hospital to create a youth mental-health program where no such resource existed before. That kind of long-term, structural change is happening in communities all over the country.   A Greenwich, CT Example That Applies Anywhere David shared that even in a wealthy town like Greenwich, nearly one-third of residents are living in poverty or are one paycheck away from trouble. Surprising, right? That's the point. Every community — even the ones that look well-off — has people struggling quietly. United Way chapters exist to find those hidden needs and do something about them.   A Final Thought from Your "Dealer in Hope" I love shining a light on the people doing good in the world and this conversation was a beautiful reminder that real impact doesn't happen in headlines — it happens in communities, one need at a time. Wherever you live, your local United Way is probably out there doing the heavy lifting you never see… making sure kids can read, families can access mental-health care, seniors have support, and struggling neighbors get help before they fall through the cracks. So, if you're thinking about year-end giving — and wondering who deserves your "deductible dollars" — United Way might be a pretty great place to start.   To learn more about United Way in your community:  unitedway.org If you want to learn more, donate, volunteer, or get involved in the Greenwich, CT United Way: greenwichunitedway.org 203-869-2221 And to hear the full conversation with David Rabin, CEO Greenwich United Way click play on the podcast and soak up the good energy.

Many people say our healthcare system is broken—and maybe you've felt that yourself.Rising costs, denied claims, and surprise bills have left millions of Americans buried in medical debt. But there's a better, biblical way to approach healthcare—one that has been serving Christians for more than forty years. Lauren Gajdek joins us today to tell us all about it.Lauren Gajdek is the Senior Director of External Affairs at Christian Healthcare Ministries (CHM), an underwriter of Faith & Finance. Why an “Open Enrollment” Campaign for a Year-Round Ministry?While CHM accepts new members year-round, their Open Enrollment Campaign—running from November 1 through January 15—aligns with the period when most Americans review or change their health coverage through employers or government exchanges.This is the time of year when people are thinking about healthcare decisions. So even though CHM is open year-round, it's an excellent opportunity to shine a light on a biblical alternative.Many Americans have grown frustrated with their healthcare experiences. CHM hears from countless people who've paid premiums for years, only to find that help is unavailable when they need it most.It's disheartening. You think your provider is in-network, but later find out they're not. That leaves patients confused and financially burdened. It's a system that often leaves believers wondering if there's a better way.That sense of frustration has become widespread—especially as over 100 million Americans now carry medical debt, a staggering sign of a broken system.How CHM Differs from InsuranceCHM operates from a radically different model. Rather than paying into a profit-driven system, CHM members share each other's medical expenses—a reflection of biblical community and mutual care.They've been around since 1981 and have shared or satisfied over $13 billion in medical bills. They're a nonprofit ministry that helps Christians live out their faith through practical care.Unlike traditional insurance, CHM members can visit any doctor or hospital they choose—there are no in-network restrictions—as long as the treatment meets the ministry's guidelines.It's simple, affordable, and rooted in biblical stewardship. Members have the freedom and peace of mind that come with knowing they're part of a community that cares.At its core, CHM is not an insurance company—it's a Christ-centered community built on shared values. Members give monthly to help other believers in need. It's an act of faith and stewardship. And for most people, it's far more affordable than traditional plans.This affordability and flexibility are especially appealing for Christians seeking to align their healthcare decisions with their faith and values.Guidance for Those Exploring Their OptionsFor anyone comparing healthcare choices this season, approach the decision prayerfully and with an open mind.You don't have to be trapped in a broken insurance system. There's a proven, Christ-centered way to handle your healthcare. Go to CHMinistries.org/FaithFi to find a cost comparison tool that shows how CHM can make care more affordable.Many in the Faith & Finance audience are retirees or nearing retirement. So it's important to note that CHM also complements Medicare, helping cover eligible expenses Medicare may not cover.It's what they call a ‘complementary' approach, where CHM can help cover costs Medicare doesn't pay, as long as they fall within its guidelines.FaithFi is grateful for CHM's partnership and their ongoing commitment to helping believers steward their healthcare costs wisely. You don't have to settle for a system that's broken. There's a biblical, community-based way to manage your healthcare needs. Learn more at CHMinistries.org/FaithFi.On Today's Program, Rob Answers Listener Questions:A pastor friend of mine was told he owes $13,000 in taxes because his preparer made a mistake. He doesn't have the money to pay for it. Where can he turn for help?I own a small business structured as an LLC, and I'm confused about how to tithe. Should I tithe personally from what I pay myself, from the business profits at year-end, or both?I'm a pastor, and one of my church members is struggling. After his father's death, the estate was liquidated, leaving him without a home. He hasn't filed taxes and now has tax debt. What's the best way for him to address this?I'm looking into a debt management plan and wondering—will it hurt my credit score? And would I still be able to keep one credit card open for emergencies?Resources Mentioned:Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner)Christian Healthcare Ministries (CHM)National Christian Foundation (NCF)Christian Credit CounselorsWisdom 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.

Medicare Advantage Minute:                                                                                      33 Health Systems are Dropping Medicare Advantage Plans!                               Why might this be? Cited reasons include prior authorization problems and slow payments! Your Medicare Benefits 2025:                                                                          Religious Nonmedical Healthcare Institution Items & Services Vacation Report:                                                                                                  Visitors to Arizona report having lots of fun in the sun. Let's hope they keep it under their hats after returning to the East Coast. It is getting crowded out here in the Sonoran Desert! Alert listener Steve in Texas entered a comment under a Medicare instructional video indicating "he wouldn't trust a broker who does not recommend supplement High Deductible Plan G".                                                                                  Another viewer opined that HDG is not available in all locations. Steve came to the right place to set him straight! Speaking of my favorite Medicare supplement plan, how have the HDG rate increases been lately?   Contact me at: DBJ@MLMMailbag.com (Most severe critic: A+)                   Visit us on: BabyBoomer.ORG Inspired by: "MEDICARE FOR THE LAZY MAN 2025; SIMPLEST & EASIEST GUIDE EVER!" "MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE" "MEDICARE FOR THE LAZY MAN: BARE BONES!" For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to  help future readers. Official website: https://www.MedicareForTheLazyMan.com.

Medicare Advantage Minute:                                                                                                 The government will allow plan changes due to inaccurate Medicare Advantage network directory listings.  Your Medicare Benefits 2025:                                                                                                 Radiation therapy Humana announcement details year-end Medicare supplement rate increases for supplement plans in several states. Exactly as predicted by this podcaster, High Deductible Plan G proves to be the best deal of all! Samples from the file containing the content curator's favorite category: Correspondence:                                                                                                                     Myrna asked about the cautionary statements on page 21 of "Medicare for the Lazy Man". The source of confusion had to do with the difference between Health Savings Accounts and Flexible Spending Accounts.                                                                                                                                                                                 Joe described "Medicare for the Lazy Man" as being very helpful but he still some reassurance after a "professional" advisor hired by his company made the assertion that "nobody buys High Deductible Plan G"!                                                         That guy gets paid more when people like Joe are forced to spend more. Contact me at: DBJ@MLMMailbag.com (Most severe critic: A+)                   Visit us on: BabyBoomer.ORG Inspired by: "MEDICARE FOR THE LAZY MAN 2025; SIMPLEST & EASIEST GUIDE EVER!" "MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE" "MEDICARE FOR THE LAZY MAN: BARE BONES!" For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to  help future readers. Official website: https://www.MedicareForTheLazyMan.com.

Contact Marko Gelo, he's a Mortgage Broker!604-800-9593 cell/text Vancouver403-606-3751 cell/text CalgaryCall Marko via WhatsApphomefinancingsolutions.caCLICK HERE to be redirected to Mortgagenomics Canada Podcast YouTube ChannelCLICK HERE to be redirected to the blog version of this episode.CLICK HERE to download Marko's award-winning Mobile Mortgage App! Hosted on Acast. See acast.com/privacy for more information.

After you listen:Read more from Chris Kawashima in his article "What is Health Insurance and Do I Need It?"Explore more of Schwab's insights on health care.Health-care costs are a major part of most households' budgets, yet many people struggle to understand what they're actually paying for. This episode breaks down how health insurance coverage works, what common medical expenses really mean for your wallet, and how to make smarter choices during open enrollment. Host Mark Riepe is joined by return guest Chris Kawashima, a director of financial planning at the Schwab Center for Financial Research, to explain key terms like deductibles, copays, and coinsurance. They offer practical strategies for managing costs year-round and also discuss smart ways to use tools like FSAs and HSAs to save for short-term and long-term health-care needs. Financial Decoder is an original podcast from Charles Schwab. For more on the series, visit schwab.com/FinancialDecoder. If you enjoy the show, please leave us a rating or review on Apple Podcasts.Reach out to Mark on X @MarkRiepe with your thoughts on the show.Follow Financial Decoder on Spotify to comment on episodes.Important DisclosuresThis material is intended for general informational and educational purposes only. This should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned are not suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decisions.All expressions of opinion are subject to change without notice in reaction to shifting market, economic or political conditions.Investing involves risk, including loss of principal.​Past performance is no guarantee of future results.The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc.1025-UR8D Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

 D.J. and the “Henssler Money Talks” hosts breaks down Health Savings Accounts (HSAs) and explains why they're one of the most powerful tools for saving money—thanks to their unique triple tax benefit. While many people use HSAs to pay for health care expenses as they arise, there are compelling advantages to covering those costs from other funds and allowing the HSA to accumulate, benefiting from tax-deferred growth over time. Original Air Date: September 27, 2025 Read the Article: https://www.henssler.com/health-savings-accounts-the-hidden-gem-in-your-financial-plan 

In this interview, Hawk Tax Solutions Tax Director and Enrolled Agent Ashley Davis joins URComped CEO Craig Shacklett to answer some of the most common gambling accounting and tax questions players face. She breaks down what qualifies as a professional gambler, how to properly track wins and losses, and which expenses can be deducted. The conversation also covers tricky areas like sweepstakes casinos, crypto play, state-to-state taxation, and how content creation can support professional claims.   Topics Discussed: - Why sweepstakes casino losses don't offset winnings - How to keep an acceptable gambling journal or win-loss record - Criteria for qualifying as a professional gambler, even with a day job - Using YouTube or content creation to support professional status claims - Deductible expenses for professional gamblers (travel, software, coaching, tournaments, ATM fees) - Tax treatment of daily fantasy sports, offshore casinos, and crypto gambling - State taxation issues and when it makes sense to itemize losses   Learn more: https://urcomped.com/blog/details/6131103/casino-tax-rules-tracking-wins-losses-deductions-more

This episode kicks things off with a bang as Devon quizzes Sejohn on the Adam Sandler Trivia questions he missed when he represented “The Adam Sandler Cinematic Universe Podcast” last Monday at the New England Brewing Company and sadly came in second place. After that Sejohn takes the reins to discuss his experience with the first Trade Paperback of DC's Absolute Batman and how it has cemented Scott Snyder as his writer of choice when it comes to Batman stories. Devon is able to pivot from this topic to discuss how excited he is for the ambitious storytelling that seems to be on hand for the Second Season on Peacemaker after the thrilling first episodeThe next topic is movies, specifically re-releases in the wake of the 1990 Teenage Mutant Ninja Turtles film doing 3.3 Million in box office sales in its now first week after they decided to extend its run. Finally we talk video games in the platinuming of “SteamWorld Heist II,” the non-platinuming of “Shadow Labyrinth,” each Say Reporters plan for there next game play endeavor, and the excitement surrounding the latest announcements for the Resident Evil series going Veronican. 

In this episode of More Than Commas, Cory breaks down the sweeping new legislation shaking up the personal finance world: the One Big Beautiful Bill (OBBB), signed into law on July 4th, 2025. From Trump Accounts for newborns to a $40K SALT deduction cap, the OBBB changes how Americans save, spend, and plan. Whether you're a parent, student, retiree, or working professional, this bill could significantly impact your bottom line. Key topics covered: New 529 plan expansions Enhanced ABLE accounts Tax-free tips and overtime Deductible auto loan interest Senior deduction increases Sunsetting green energy credits  And more… Don't miss this essential guide to navigating these updates with clarity and purpose.   -- This Material is Intended for General Public Use. By providing this material, we are not undertaking to provide investment advice for any specific individual or situation or to otherwise act in a fiduciary capacity. Please contact one of our financial professionals for guidance and information specific to your individual situation. Sound Financial LLC dba Sound Financial Group is a registered investment adviser. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and, unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance. Insurance products and services are offered and sold through Sound Financial LLC dba Sound Financial Group and individually licensed and appointed agents in all appropriate jurisdictions. This podcast is meant for general informational purposes and is not to be construed as tax, legal, or investment advice. You should consult a financial professional regarding your individual situation. Guest speakers are not affiliated with Sound Financial LLC dba Sound Financial Group unless otherwise stated, and their opinions are their own. Opinions, estimates, forecasts, and statements of financial market trends are based on current market conditions and are subject to change without notice. Past performance is not a guarantee of future results.

Medicare Advantage Minute announces 2019 statistics: 17% of MA claims were denied in that year but of those claims that were appealed, 57% were ultimately paid. In the "Your Medicare Benefits 2025" segment we learn how Medicare is likely to cover Monoclonal Antibodies when they are used for the treatment of early onset Alzheimer's disease. "Early onset" is described as symptoms appearing before age 65. Humana subsidiary CenterWell announced the purchase of bankrupt firm The Villages Health. Apparently they declared bankruptcy after discovering they owed hundreds of millions to Medicare. How does this sort of thing sneak up on a company? Finally, as alluded to in the headline of this episode, there was speculation about what might happen if a person insured by a High Deductible Medicare supplement. Would the family members tasked with paying the bills be burdened by extra accounting and check-writing duties in the event of a long period of disability? My answer? Unequivocally no! Contact me at: DBJ@MLMMailbag.com (Most severe critic: A+)                   Visit us on: BabyBoomer.ORG Inspired by: "MEDICARE FOR THE LAZY MAN 2025; Simplest & Easiest Guide Ever!" "MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE" For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to  help future readers. Official website: https://www.MedicareForTheLazyMan.com.

Robert is joined by Greg Rueter of R+R Insurance Advisors to talk about deductible reimbursement benefits. Rising premiums on homeowners and auto policies have consumers looking for relief. Products that offer deductible reimbursements could be an answer. Click here to view programs discussed on this episode. Enter "BMFCE" in the Producer ID field for a coupon worth $25 off your next CE webinar with BMFCE! BMFCE: Insurance producers and adjusters can earn insurance continuing education credit listening to Robert's live webinars. No test required for credit! BMFCE.com.

Send us a textThis episode, the lads tackle: College finals, Three theme parks in one month, the painful realization that Knott's Berry Farm might actually be Earth's closest point to the sun, and much more.Along the way:Universal Fan Fest may have out-Disneyed Disney.The Macarena beats out John Williams for the first time ever.Meeting C-3PO in person absolutely undoes years of childhood trauma. Almost.It's Heat Islands, Hill Valleys. and existential chaos — just another Mr. Toad's Wild Ride of an episode.

Last year, reporter Mike Seccombe looked into the divide between Australia’s richest and poorest schools to find out why this gap keeps widening. What he found was a broken system. Rich parents are able to get huge tax breaks by donating to opulent building projects at their kids’ private schools. It’s a practice that goes way back, despite many arguing the tactic has become outdated. Today, national correspondent for The Saturday Paper and a proud state school boy, Mike Seccombe, on why we need an overhaul of the charitable giving system that delivers some kids castles. This episode was originally published in July last year. If you enjoy 7am, the best way you can support us is by making a contribution at 7ampodcast.com.au/support. Socials: Stay in touch with us on Instagram Guest: National correspondent for The Saturday Paper, Mike Seccombe. Photo: Taylor ConstructionSee omnystudio.com/listener for privacy information.

Automobile insurance prices are on the rise! Should you choose a higher deductible to lower your premium, or stick with your current premium to keep your deductible low? In this episode, Art explains when opting for a higher deductible makes sense.Resources:8 Money MilestonesAsk a Money Question!

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

In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss the strategies and rules surrounding common deductible charitable gifts in 2025. As the new year begins, many individuals are setting charitable giving goals while seeking to maximize their tax benefits. From understanding adjusted gross income (AGI) limits to choosing between donating cash, appreciated assets, or qualified charitable distributions, this episode walks you through everything you need to know to make informed decisions.Listen in to learn about the tax benefits of donations, the importance of choosing the right type of gift, and how to align your charitable goals with your overall retirement plan. Whether you're donating cash, assets with capital gains, or making qualified charitable distributions, Radon and Murs provide practical advice to help you navigate these options effectively.In this episode, find out:· The benefits of donating cash and how AGI limits affect tax deductions.· How to use donating appreciated assets to avoid capital gains taxes while gaining deductions.· The rules surrounding qualified charitable distributions (QCDs) for individuals over 70½.· How to leverage long-term and short-term capital gains in your charitable giving strategy.· The impact of the 2025 standard deduction on itemizing charitable deductions.Tweetable Quotes:· "Charitable giving isn't just about generosity; it's about maximizing impact and minimizing taxes." – Radon Stancil· "Understanding AGI limits can turn charitable donations into powerful tax-saving tools." – Murs TariqResources:If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!To access the course, simply visit POMWealth.net/podcast.

 The fatal shooting of UnitedHealthcare's chief executive has led to public outcry against the health insurance industry.On Today's Show:Rachel Cohrs Zhang, chief Washington correspondent for STAT News, examines what Congress is trying to do to fix a system that many Americans think is broken.