Podcasts about delaying

What if you could bounce back from surgery or an injury faster, stronger, and healthier than ever? In this Salad with a Side of Fries episode, gerontologist and biohacker Zora Benhamou joins health coach Jenn Trepeck for a deep dive into surgery and injury recovery, biohacks, and minimizing scars—the essential nutrients for optimizing your healing journey post surgery. Together, they bust myths around menopause, aging, and nutrition while unpacking the science behind inflammation reduction, amino acid supplementation, peptide therapy, and more. From osteoporosis prevention to scar management, Zora shares expert strategies to supercharge recovery and reclaim vitality at any age. Whether preparing for surgery or simply wanting to boost your longevity and performance, this conversation delivers actionable tools for real-life wellness.The Salad With a Side of Fries podcast is hosted by Jenn Trepeck, who discusses wellness and weight loss for real life, clearing up the myths, misinformation, bad science & marketing surrounding our nutrition knowledge and the food industry. Let's dive into wellness and weight loss for real life, including drinking, eating out, and skipping the grocery store.IN THIS EPISODE: (05:15) Zora's story of two hip replacements (in three months) and super-charged surgery recovery through muscle maintenance and protein intake(11:02) Delaying surgery until quality of life is significantly impacted is deeply a personal decision(16:47) Pre-surgery mental preparation and muscle building/maintenance within mobility limits(20:00) Nutrition focus: high protein intake, amino acids, whole foods and nutrient-rich supplements for surgery recovery(22:34) Long-term nutritional deficiencies contribute to bone health issues; commitment to nutrition needed, and a radiation protection hack(29:22) Managing surgery recovery by reducing inflammation(36:33) Discussion of post-surgery nutrition focuses on protein, collagen, anti-inflammatory foods and scar treatments(44:32) Recovery strategies apply to various surgeries, and having a positive mindset for surgery recoveryKEY TAKEAWAYS:Pre-surgery muscle maintenance is critical. Build and maintain muscle mass before surgery through exercise, even with limited mobility, to enhance surgery recovery and quality of life before and after surgery.Increase protein intake before and after surgery to support muscle growth, tissue repair, and ligament recovery.Eliminate processed foods and prioritize whole foods to reduce inflammation and aid healing. Use supplements for radiation protection.To improve scar texture and appearance, apply copper peptides, rosehip oil, and silicone tape, and consider micro needling or lasers.QUOTES: (17:27) “Going into that surgery with muscle mass and strength is so important for your recovery. That is key number one.” - Zora Benhamou(22:49) “When our body is not getting all the nutrients it needs to function, it will pull them from our bones.” - Jenn Trepeck(35:59) “In post-op procedures, because of various things, people often are not hungry, but we need nutrients to heal.” - Jenn Trepeck(45:34) “Try to turn it around to a positive and say, this is a great time to work on my health, focus on recovery, and build a better person. - Zora  Benhamou(46:20) "It's never too late to start."  - Jenn TrepeckRESOURCES:Become A Member of Salad with a Side of FriesJenn's Free Menu PlanA Salad With a Side of FriesA Salad With A Side Of Fries MerchA Salad With a Side of Fries InstagramReverse Menopause Weight Gain: New Blood Sugar Balancing Tips – Jenn Trepeck – Hack My AgeNutrition Nugget: Methylene BlueThe Algae Advantage (feat. Catharine Arnston)Bone Health & the Problem with Bone Density Scans (feat. Dr. John Neustadt)GUEST RESOURCES:Hack My Age - WebsiteBiohacking Menopause - Membership ProgramZora Benhamou Instagram (@hackmyage)Hack My Age - FacebookZora The Explorer (@hackmyage) | TikTokHack My Age - YouTubeBiohacking Menopause Support Group | FacebookGUEST BIOGRAPHY:Zora Benhamou is a gerontologist and biohacker dedicated to challenging menopause stigma and ageist stereotypes. As the dynamic host of the Hack My Age podcast, she focuses on empowering women navigating the menopausal transition through biohacking techniques and information from forward-thinking experts.At 54 years old, Zora embodies the essence of a digital nomad and is a passionate menopause educator. She is the visionary behind HackMyAge.com and the author of the Longevity Master Plan and cookbook, "Eating For Longevity," offering invaluable resources and programs for women in peri-menopause and post-menopause. Zora's commitment to normalizing menopause conversations is evident through creating the support group and community, Biohacking Menopause. She completed the Institute of Bioidentical Medicine's Menopause Method training and Dr. Stacey Sims' Menopause for Athletes course and is an active member of esteemed organizations such as the Gerontological Society of America, the Aging Society of America, the British Menopause Society and the European Menopause and Andropause Society. With a Master's degree in Gerontology from the prestigious University of Southern California, Zora's expertise extends to sports nutrition coaching and Oxygen Advantage Breathing instruction, further enriching her holistic approach to women's wellness.

Whether to buy a house or go to college are major financial decisions, but so is deciding when to take Social Security.It's true—tens of thousands of dollars, if not more, are on the line when deciding when to start Social Security benefits. Eddie Holland joins us today to help make the decision easier.Eddie Holland is a Senior Private Wealth Advisor and partner of Blue Trust in Greenville, South Carolina. He's also a CPA, a Certified Financial Planner (CFP®), and a Certified Kingdom Advisor (CKA®).A Common Recommendation—But Not a One-Size-Fits-AllWhen it comes to retirement, one of the most common questions people ask is: When should I start taking Social Security benefits? It's a vital decision that affects not only your income but also your long-term financial strategy and even your legacy.It's generally recommended to wait until at least full retirement age (66 or 67), but that doesn't mean it's the best choice for everyone. While delaying Social Security allows your benefits to grow up to 8% annually after full retirement age, thanks to what's called a delayed retirement credit, we must remember that each situation is unique.Six Key Factors to ConsiderHere are several factors that should guide your decision:1. Reduction vs. Growth of BenefitsTaking Social Security early reduces benefits. Delaying past full retirement age increases benefits. That tradeoff is foundational to your strategy.2. Cash Flow NeedsIf you retire before full retirement age and need income, you might begin drawing Social Security early to meet immediate needs. Some people may need to pay off debt or cover living expenses.3. Charitable Giving GoalsInterestingly, some retirees choose to take Social Security early in order to increase their generosity. Some people start taking benefits specifically to give more, either during retirement or as part of a legacy plan. 4. Health and LongevityYour health and family history play a significant role. If you don't expect to live well into your 80s or 90s, you might opt to draw earlier. But if you're healthy and expect a longer life, delaying could offer more value over time.5. Legacy and InheritanceYou can't leave your Social Security benefits to heirs, but you can leave your investment portfolio. This means some people opt to draw Social Security sooner in order to preserve their portfolio for giving or inheritance purposes.6. Tax PlanningSocial Security benefits can be taxable depending on your income. Some people delay benefits until a year they anticipate being in a lower tax bracket, strategically minimizing the tax impact.A Bonus Strategy: The “Mulligan”In some cases, there is a lesser-known but potentially powerful option: the withdrawal application.If you start taking Social Security before full retirement age and change your mind within the first 12 months, you can actually ‘undo' it.” You'll need to repay the benefits you received, but the Social Security Administration treats it as if you never started. You then have the option to restart at a later date, potentially at a higher benefit.This strategy can be especially useful during periods of market volatility when withdrawing from your investment portfolio might not be ideal.The Bottom LineThere's no universal right age at which to begin drawing Social Security. It really depends on your personal situation—your income needs, health, tax strategy, and goals for generosity and legacy.Wise financial planning starts with understanding your options and aligning those choices with your values and calling.On Today's Program, Rob Answers Listener Questions:How much is enough? My wife and I have 10 properties, including the one we live in. Because of COVID and a flood, I've been rehabbing them for the last few years. My wife is 71 and still working, and I'm wondering if we should continue fixing them up to maximize profit, or we should just hold them as they are, even if we get less money.I'm near retirement with $2 million saved and a good pension. Should I spend $3,300-$7,600 on a $20,000 term life policy, or is it unnecessary given my financial situation?I have assets but don't work. Can I gift my RMD to my church and not have it counted on my income tax for 2026?I'm taking early retirement from the government, and I'm wondering about what to do with my thrift savings.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Social Security Administration (SSA.gov)Blue TrustWisdom 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.

Jon Hamilton, Canada Post; Jim Gallant, Canadian Union of Postal Workers; Mike Le Couteur, CTV News; The Front Bench with: Brian Gallant, Lisa Raitt, Tom Mulcair & Robert Benzie.

"So teach us to number our days, that we may get a heart of wisdom." - Psalm 90:12 If you're a few years from retirement and your savings aren't quite where you want them, you might feel like you've run out of time. But maybe you don't need a time machine to solve the problem. Today, Matt Bell joins us with some encouraging words about beefing up retirement savings.Matt Bell is the Managing Editor at Sound Mind Investing, an underwriter of Faith & Finance. The Surprising Power of Working a Little LongerIn 2018, a Stanford study called The Power of Working Longer made a compelling discovery: delaying retirement by just three to six months can have the same impact on retirement readiness as saving an additional 1% of income every year for 30 years.Yes, really.This is largely due to two factors:Higher Social Security Benefits – For every month you delay past full retirement age, your benefit increases by 2/3 of 1% (8% annually). Better Annuity Rates – The older you are when purchasing an annuity, the more monthly income you'll receive for the same investment.But there's a caveat: the study is based on specific assumptions that may not match your financial situation.What the Study Assumes—and Why It MattersThe Stanford study uses a fictional worker named “John” who:Started saving at age 36Saved 6% of income and received a 3% matchRetired at 66 and claimed Social Security immediatelyUsed all savings to buy an inflation-indexed annuityIn reality, your income, savings rate, Social Security timing, and withdrawal strategy may differ widely. Not to mention, indexed annuities like the one in the study are no longer widely available. So while the study provides encouragement, its specifics shouldn't be universally applied.If you can delay claiming Social Security, it can significantly boost your lifelong income. For example, waiting until age 70 instead of 66 could result in a monthly check that's 24% higher. You'd need to live roughly 12 more years to “break even,” but many retirees today are living well into their 80s and beyond.Social Security is essentially a government-backed, inflation-adjusted annuity, making it a powerful foundation for retirement income.More Benefits to Working LongerBeyond Social Security, staying employed offers additional financial and emotional perks:More Contributions – Additional working years allow you to save more and delay withdrawals.Shorter Retirement Span – Fewer retirement years mean your nest egg doesn't have to stretch as far.Health & Community – Work often provides routine, purpose, and social interaction—elements many retirees miss.Working longer isn't just a financial decision—it impacts your time, relationships, and expectations. If you've long looked forward to travel, family time, or volunteering, extending your career might feel like a loss. That's why it's essential to consider both the math and the meaning.Couples should prayerfully approach retirement planning together. Decisions about timing affect both spouses, especially when only one is working. Unequal expectations can lead to tension, so it's essential to:Talk openly about your hopes and concernsUnderstand your financial picture as a teamChoose unity over independence in decision-makingThis is one of the most crucial decisions you'll make as a couple.How Much Do You Really Need?You may have heard that you need 70–80% of your pre-retirement income. That's a good rule of thumb, but it's far better to run the numbers yourself. Some costs (like commuting or saving for retirement) may go down. Others (like healthcare or travel) may go up. The best approach? Create a post-retirement budget based on your unique goals and lifestyle.If you're behind on retirement savings, don't panic—and don't go it alone. Tools on the Social Security website can help you run scenarios based on your age and income. Brokerages like Fidelity or Schwab offer annuity estimators. Most importantly, seek wise counsel and pray through your decisions with your spouse.If you'd like to read the full article from Sound Mind Investing that we discussed during this episode, read Matt's article titled Retirement Preparedness—What a Difference a Little Time Can Make at SoundMindInvesting.com. On Today's Program, Rob Answers Listener Questions:I now have the money from my tax return to pay my property taxes, due in two installments—one in May and one six months later. Should I go ahead and pay it all now since I have the funds, or is there a wise short-term investment I could consider in the meantime?Is there a reliable resource or organization that can provide information on charities that are requesting donations, such as groups like America Cares, CARE, or Mercy Ships?What are your thoughts on the cryptocurrency XRP? Is it something worth considering?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Sound Mind InvestingRetirement Preparedness — What a Difference a Little Time Can Make by Matt Bell (Sound Mind Investing Article)Social Security Administration (SSA.gov)ECFA | Charity Navigator | Ministry WatchFidelity | Charles SchwabWisdom 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.

If you're a few years from retirement and your savings aren’t quite where you want them, you might feel like you've run out of time. But maybe you don’t need a time machine to solve the problem. On today's Faith & Finance Live, Mark Biller will join Rob West with some encouraging words and strategies about beefing up retirement savings. Then Rob will answer your questions on different financial topics. Faith & Finance Live is a listener supported program on Moody Radio. To join our team of supporters, click here.To support the ministry of FaithFi, click here.To learn more about Rob West, click here.To learn more about Faith & Finance Live, click here.See omnystudio.com/listener for privacy information.

The debate over the punishments faced by Te Pāti Māori MPs was cut short on Tuesday after just two speeches, when Leader of the House Chris Bishop moved the debate be postponed to June, after the Budget. Bishop spoke to Ingrid Hipkiss.

Think you'll be in a lower tax bracket when you retire? Think again. In this episode of Safer Retirement Radio, Brian Decker and Brad Geddes, CFP(R) dismantle the myth and walk you through real-life tax planning strategies that can help you save hundreds of thousands—or even millions—in retirement taxes. From strategic Roth conversions to dynasty trusts, donor-advised funds, real estate tax planning, and more, this is a masterclass in building a smarter, safer financial future.

Succession planning is complicated territory for any business, but perhaps more so in farming with families at the core of most operations.It's not just relationships and family legacies that hinge on effective succession planning, it also plays a critical role in building strategic foresight, sustainability and continuity into a business. Succession is delicate stuff, so we thought we'd draw on the experience of accountant Chloe Arthur and lawyer Kirsty Evans to learn what can make the process more positive for farming families.So, pull up a chair and make yourself comfy, to hear their tips on navigating those difficult conversations... and the key parts of the process to 'get right' to foster trust and collaboration throughout the succession journey.TakeawaysOpen communication, flexibility, and goodwill are the foundations of effective succession planning It's important to understand the differing needs of each generation It's essential to build a team of external professionals to support decision makingSuccession planning is an ongoing process that constantly evolves with family dynamicsFair doesn't necessarily mean equal Delaying the transfer of farm assets is one of the least effective strategies for successionChapters00:00 Breaking the taboo of succession planning in agriculture08:53 Balancing optimism and realism 11:56 Generational Shifts: understanding the needs of each generation and family values17:56 Successful succession stories: learning from others' experience24:07 Navigating difficult conversations: the importance of open communication30:00 Structuring family farms as businesses42:06 Preparing for a return to the family farm52:04 Ongoing discussions: being nimble with your plan and evolving with the family unitIf you enjoyed this episode, share it with a friend and let us know your thoughts at hello@humansofagriculture.com. Don't forget to rate, subscribe, and leave a review!

We all have those "to-do-lists" that have been slowly building over the years. The lists typically range from mowing the lawn, cleaning out the garage to finally preparing for retirement. Usually on that list there's a category specifically centered around our faith journey; pursuing a relationship with God and being obedient to what He asks you to do. Here's the big issue with any to-do-list: When is it going to happen?  Have you been feeling a tug on your heart or a sense that it's time to start working on the spiritual to-do-list? Don't wait! That stirring is often the gentle invitation of Jesus, calling you to step closer, to trust deeper, and to begin a life-changing journey with Him. Delaying that step might feel safer or more convenient, but the truth is, there's no perfect time—only the present moment. The peace, purpose, and transformation that come from walking with Jesus are available to you right now. Why wait another day to experience the fullness of what God has for you? Taking the next step in your faith might look different for everyone—maybe it's saying yes to Jesus for the first time, getting baptized, joining a community of believers, or simply recommitting your life to God. Whatever it is, don't let fear or uncertainty hold you back. Jesus isn't asking for perfection; He's inviting you into a relationship. Every step you take toward Him opens your life to more love, grace, and clarity than you've ever known. The journey begins with a simple “yes”—and that yes could change everything. To figure out what your next step might be, don't wait for when..take listen to what Jesus has to say about being ready. 

Hi lovelies! In this episode, I am joined by the very lovely Amanda Pena, creator of The Rules of 30 - a platform that helps women build intentional, fulfilling lives beyond societal timelines. Through storytelling, real talk, and a belief in personal agency, she creates space for women to rewrite the rules—especially in a decade often defined by pressure to “have it all figured out.” We talk about why you don't need to accomplish everything in your 20s, baby steps to pivoting, navigating friendship in different life stages, staying disciplined to accomplish your goals, and why there is nothing to fear about turning 30.Connect with Amanda on Instagram!  @therulesof30 Subscribe to the Steady Making It newsletter to receive life and work advice—always with a dose of encouragement—delivered right to your inbox.https://steadymakingit.substack.comThanks for listening and supporting!

Hi there,Lepora here from Nextgen People.Let's get right to the point — if you're a CEO, CHRO, or senior HR leader and your talent strategy is still driven by manual processes, you're falling behind in ways that may already be costing you more than you realize.AI in talent management is no longer futuristic or experimental. It's essential. Delaying its integration is not just a missed opportunity — it's a strategic liability.Here are 5 reasons why:1. Manual HR Processes Are Slowing You DownManual spreadsheets and static reports might feel familiar, but they're costing you speed, accuracy, and insight. Companies using AI for talent decisions are making those decisions up to 50x faster. That means faster hiring, smarter development plans, and more strategic workforce moves — all powered by real-time data. If you're still managing talent like it's 2015, you're playing catch-up in a game that's already evolved.2. Talent Reviews Can't Be Annual AnymoreStill relying on a once-a-year 9-box review or similar static tool? That model is outdated. It provides a snapshot — AI gives you a continuous feed. With AI-driven insights, you can keep your succession plans, performance ratings, and development pipelines current and dynamic. You get agility, not just a report that gathers dust.3. Promotions Without AI Are Promotions With BiasAI has its flaws — but so do we. Human bias is still one of the biggest barriers to equitable advancement. Without AI to analyze talent data at scale, unconscious bias often determines who gets promoted. AI can help uncover hidden talent, challenge assumptions, and drive more inclusive, data-backed decisions that elevate your best people — not just the most visible ones.4. Your Competitors Are Building Smarter Teams Every DayThis one's simple: while you wait, your competitors are teaching their systems to learn and improve. They're collecting workforce data, refining algorithms, and making smarter decisions every week. By the time you start, they'll be years — not just months — ahead in talent intelligence. The gap is widening fast.5. “Wait and See” = Falling BehindIt may feel safe to observe from the sidelines. It's not. It's risky. The organizations that are leading the future of work aren't waiting — they're acting. Every month you delay AI adoption, you're missing out on insights that could make your workforce more productive, more agile, and more aligned with your business goals.Bottom Line: AI Is Not Optional AnymoreIf AI isn't embedded in your talent processes yet, you're not just missing out on efficiency — you're losing ground. In recruitment. In retention. In leadership development. And ultimately, in your ability to compete.The future of talent is smart, fast, fair, and deeply data-informed.Is yours?Let's reimagine what's possible — together.— LeporaNextgen PeopleSupport the show

In this episode, from a chapel service held on Tuesday 25 March 2025, Paul Williamson, Lecturer in Old Testament, Hebrew and Aramaic at Moore Theological College, speaks on Malachi 3:6-12 and the promise of God's blessing on his people.He reminds us that we are no longer under the old covenant of Moses, but under the new covenant of grace, and therefore, we are free to excel in the grace of giving.Listen to the rest of Paul's series on the Book of Malachi.For more audio resources, visit the Moore College website. There, you can also make a donation to support the work of the College.Contact us and find us on socials.Find out more about Moore College's Open Events.Please note: The episode transcript provided is AI-generated and has not been checked for accuracy. If quoting, please check against the audio.

Shares of Rockstar's parent company, Take-Two Interactive, tumbled by as much as 8% on Friday morning after it announced that it has delayed the launch by a year – to May 26, 2026. With the company being valued at around 40 billion US dollars, that is a lot of money being shaved off. The U.S. President Donald Trump repeated that he will revoke Harvard University's tax-exempt status, saying that "We are going to be taking away Harvard's tax-exempt status. It's what they deserve!" Harvard, which is already suing the Trump administration, said that this is unlawful. And Skype Will Shut Down on Monday, May 5, As Microsoft Shifts to Teams. Davina Gupta will hear from one of the creators of the Skype ringtone.

Most people don't need more signs. They need to admit they've already decided and just haven't acted. You know what you want. You've played it out in your head. You've talked about it. You've written it down. But instead of following through, you're stuck looking for more proof or permission to move. BOOK A CALL WITH PERRY: http://talktoperry.com or TEXT PERRY at (208) 400-5095 JOIN MY FREE COMMUNITY: http://upsidedownfit.com RESOURCES: Daily Success Habits - Grab Your Free Copy! My Favorite Pre-Workout for Energy Best Home Workouts WOW! You made it all the way down here! Now I am impressed! I don't know many who do! You absolutely rock my friend!

WE PROMISE WE'RE TRYING TO KEEP TO A SCHEDULE. Delaying for a few days on this occasion warranted a slight delay. Are you excited? 'cause we are.

Send us a textCraig Geeky shares his philosophy on raising three talented hockey players, including NHL stars Morgan and Connor, through a multi-sport approach in a small town of just 150 people.• Creating a pathway to hockey success by having kids play multiple sports (badminton, curling, basketball, volleyball, track, baseball)• Building a strong foundation through accountability, self-assessment, and objective feedback• Delaying specialization until age 16-17 when his sons naturally chose their preferred sport• Developing perseverance, leadership, and teamwork by playing with varied skill levels in a small community• Emphasizing character development and life skills over NHL aspirations• Supporting his sons in missing hockey events for provincial tournaments in other sports• Understanding that each player's development path is unique - "no path is going to be the same"• Working with coaches who provide accountability while showing genuine belief in player potential• Participating in the UMH 68 Invitational to create opportunities for young players in Manitoba• Valuing the educational and developmental aspects of hockey beyond just competitionParents and players interested in the UMH 68 Invitational in Manitoba starting May 29th should visit upmyhockey.com and fill out the watch list form for consideration or see link blow.MB 2011 https://docs.google.com/forms/d/e/1FAIpQLScuAXXLsLb9N8X3tnP71FpwGjPj-4K1TaxlO4cicurGTeEi_w/viewformBC 2012 https://docs.google.com/forms/d/e/1FAIpQLSfipqujezcRNyFOiWO6PISEFCpxbf0nj6GYt4UcZs3j3J_Rag/viewformBC 2011 https://docs.google.com/forms/d/e/1FAIpQLSf3hch0UvEu-1tBXzzXTFvbEKr3FCXxTAM5LMJT7RWIvm8iwA/viewformSK 2012 https://docs.google.com/forms/d/e/1FAIpQLSefCCa-eu5HPlu9cSSuHInMDorVkz5prkCKsIe4QGti_xsfDg/viewform

For the first time in The Rare Life history... we need a little extra time to work on the next few episodes. Not because we haven’t been preparing and planning, but because some current events have thrown a wrench into the works.In this episode, Madeline and Alyssa talk generally about some of the recent events that have come up, how the community has been feeling about it, what it says about the world we’re living in right now, and why some of the upcoming topics needed just a little more time and context before they go out into the world.Join us for this quick mini-episode and check back next week for your regularly scheduled content! LinksJoin The Rare Life newsletter and never miss an update!Fill out our contact form to join upcoming discussion groups!Follow us on Instagram @the_rare_life!Donate to the podcast or Contact me about sponsoring an episode.Follow the Facebook page.

Debate registration: https://watch.civl.com/programs/live-debate-iran-us-nuclear-talks?category_id=171041Instagram: https://www.instagram.com/antiwarcom/Phone bank for Defend the Guard: https://defendtheguard.us/phonebankChapters00:00 - Intro00:21 - Trump Slams Zelensky for Delaying Peace Talks04:53 - Kremlin: Peace Possible if Ukraine Leaves Russian-Claimed Territory08:15 - Ben Gvir: GOP Supports Bombing Food in Gaza11:41 - Israeli Attacks Kill 38 Palestinians in Gaza Over 24 Hours14:07 - Gaza Dialysis Patients Struggle To Get Treatment, Hundreds Have Died15:08 - IDF Fired at Rescue Workers for 3 Minutes, Some at Point-Blank Range17:17 - Rubio Says Iran Must Stop Nuclear Enrichment19:48 - Sen. Fetterman Calls for President Trump To Bomb Iran22:23 - HRW: Israel Indiscriminately Attacking Lebanese Civilians23:51 - Israel Cracks Down on Official Posts Mourning Pope Francis26:04 - Yemen's Houthis Fire Missile at N. Israel for the First Time27:54 - Turkey Halts Offensive Against Syria's Tishreen Dam29:30 - US, Philippines Simulate 'Full-Scale Battle' With China31:34 - Viewpoints/Outro

Welcome to a special milestone episode of Retire with Ryan! In this 250th episode, we're digging into one of the most frequently asked topics by listeners: Social Security. I answer four real-life listener questions about Social Security benefits - covering issues such as survivor benefits after divorce, spousal and ex-spousal benefit eligibility, changes to the Windfall Elimination Provision and Government Pension Offset, and rules for collecting benefits based on a former spouse's record.  I'm breaking down complex Social Security rules in an easy-to-understand way and sharing practical advice for retirees and those planning their dream retirement.  You'll want to hear this episode if you're interested in... [0:00] Access your free copy of my e-book Fiduciary at www.retirewithryan.com  [5:34] Divorced spouses have options for Social Security benefits based on age, remarriage status, and whether claiming their own or an ex-spouse's benefits [6:58] Earnings above $23,400 (ages 62 to full retirement) reduce Social Security benefits by $1 for every $2 over the limit. After reaching full retirement age, the reduction is $1 for every $3 over $62,160.  [10:07] If your ex-spouse dies before you file, you can use a restricted application, but ex-spousal benefits don't earn delayed credits. Wait until age 70 for a higher personal benefit. [14:38] The ten-year requirement for an ex-surviving spouse currently still stands unless  [15:54] If you have recently divorced and your spouse hasn't claimed benefits, then you have to wait two years until you can begin collecting benefits from your ex-spouse Navigating Social Security: Answers to the Most Common Questions for Retirees and Divorced Spouses Survivor Benefits for Divorced Spouses A question from Andrea regarding her mother's eligibility for survivor benefits after her father and his second wife passed away highlights the intricacies many face. The Social Security Administration (SSA) does provide certain protections for divorced spouses, but eligibility hinges on specific criteria: Marriage Duration: To claim an ex-spousal survivor benefit, the marriage must have lasted at least 10 years. Remarriage Restrictions: If remarriage occurs after the age of 60 (or 50 if the survivor is disabled), the survivor can still claim benefits from the former spouse. Earlier remarriage generally directs benefits to the new spouse. Age Requirements: Survivors can claim benefits as early as age 60 (or 50 if disabled), but waiting until reaching “full retirement age” (typically 67) means collecting the full survivor benefit (100% of the deceased's benefit). Early claims result in reduced monthly amounts. Earnings Limits: If a recipient claims before full retirement age and continues working, their benefits may be reduced if their income exceeds the annual limit ($23,400 in 2025). Survivor benefits application can't be completed online, applicants must call or visit their local SSA office. Myths, Realities, and the Restricted Application of Ex-Spousal Benefits Stephanie, a divorced listener, asked if she could claim a spousal benefit and later switch to her own higher benefit. This is a common idea, but it is rarely permitted in practice today. No “Restricted Application” Unless Widowed: Generally, ex-spouses can only claim the higher of their benefit or up to 50% of their ex-spouse's benefit if the ex is alive. The “restricted application” (where you claim one benefit first and then switch later) is only available to widows or widowers, not to those whose ex-spouses are still living. Delaying for More: Your benefits do grow (8% per year between full retirement age and 70). However, survivor and spousal benefits don't accrue these “delayed retirement credits”; there's no advantage to waiting past full retirement age to claim them. Earnings Matter: Like survivor benefits, earnings above the income limits before full retirement age can result in reductions. The Social Security Fairness Act and New Opportunities Recent legislative updates, like the Social Security Fairness Act, have had a profound impact, especially for those affected by the Windfall Elimination Provision (WEP) or Government Pension Offset (GPO). Retirees such as teachers, firefighters, and some government workers previously saw reductions in their Social Security due to pensions received from non-Social Security-taxed jobs.  The Key Change is that WEP/GPO was repealed, and anyone affected can now claim full Social Security benefits. Most should already see retroactive and increased monthly payments. If you've not yet applied, check if you now qualify, the hurdles may have vanished! When Can You Claim on an Ex-Spouse's Record? Donna's inquiry emphasizes a lesser-known rule: If the divorce is recent and the ex-spouse hasn't claimed benefits, one must wait two years to claim on the ex's record unless the ex starts claiming earlier. For divorces older than two years, you can generally proceed without waiting. Those under full retirement age must ensure their income doesn't result in reduced payments. Social Security remains complex, especially during life events such as divorce, remarriage, death, or career changes. The rules can and do change, and representatives aren't infallible. If you suspect your situation is unique or you've been misinformed, it pays to contact the SSA or consult a trusted financial advisor. Resources Mentioned Retirement Readiness Review Subscribe to the Retire with Ryan YouTube Channel Download my entire book for FREE  How the Social Security Fairness Act Could Positively Impact Your Retirement, #236  Connect With Morrissey Wealth Management  www.MorrisseyWealthManagement.com/contact   Subscribe to Retire With Ryan

In this episode, we have Mercedes Eckert today sharing the difference between God's timing and our excuses. Have you ever felt like you're telling yourself you're "waiting on God” but really, you were delaying out of fear, control, or perfectionism? Today, we're talking about what it really means to wait on God and how to discern whether it's the Holy Spirit saying “pause”… or fear saying “play it safe.” We're talking about: → What letting go actually looks like (even when it feels scary) → How fear can dress up like wisdom or preparation → Why obedience sometimes means moving before you feel "ready" If you've been circling the same mountain, talking yourself out of what God already told you to do, this one's for you. It's time to stop calling fear “faith” and start moving forward—imperfectly, but boldly. Mercedes Social Links: Instagram: @mercedeseckert Facebook: Mercedes Eckert TikTok: @mercedeseckert Email: hello@mercedeseckert.com Website: https://www.mercedeseckert.com/ Join Her FREE Money Management Masterclass: https://www.mercedeseckert.com/money-management-masterclass   Grab Your 3 Steps to Clarity on Your Brand Messaging: https://melissa-hughes.mykajabi.com/personalbrand Apply for fireBRAND Spring 2025 Here: https://melissaleahughes.com/firebrandacademy   Website: www.melissaleahughes.com Social Channels: TikTok: https://www.tiktok.com/@melissaleahughes Melissa's Instagram: https://www.instagram.com/melissaleahughes/ Rise Instagram: https://www.instagram.com/risesocialmediaagency/?hl=en Facebook: https://www.facebook.com/melissa.harrington.758 Youtube: https://www.youtube.com/@melissaleahughes

This season finale of The Queen Path is for all the multifaceted creatives, visionaries, and entrepreneurs who need some water for the seeds God has planted in your heart. My guest, Amarachi Nwosu, joins me to discuss the journey of being a daughter of God in a modern world shaped by artificial intelligence, social media, and constant distractions.Get ready to have your internal fire rekindled as we dive into:The Price of Progress & Overcoming SetbacksHow to Lock In & Create What God Has Placed in Your HeartHow to Overcome Distractions & ResistanceIt's a good one.The podcast will return in Fall or Early Winter 2025.Connect with Amarachi NwosuWebsite: https://www.amarachinwosu.comInstagram: @amaraworldwideGet on The Queen Path:https://www.instagram.com/thequeenpath/

If you've been waiting for a sign to start that dream, share your truth, or trust your voice—this is it. Today, Jessica is joined by bestselling author and speaker Brianna Wiest (The Mountain Is You, The Pivot Year, The Life That's Waiting) for a powerful conversation on quieting that inner critic, creating from your innate authenticity,  and following the pings that can set you up for radical transformation. This episode offers a behind-the-scenes look into Brianna's internal journey: how she rewired limiting beliefs, released the pressure to be seen a certain way, and began creating from a space of deep self-connection. Her story is not just about success—it's about stepping fully into authenticity and watching life meet you there. It's a powerful conversation that serves as a reminder that the thing you've always wanted to do is tapping you on the shoulder. It could be a career change, stepping through fear for the relationship of your dreams, or finally creating the thing that's been living rent-free in your head for years. There's something magical in the air here in 2025. The time to start taking those aligned actions is now. Find the Complete Show Notes Here -> https://tobemagnetic.com/expanded-podcast Resources: Join the Pathway MembershipReprogram your limiting beliefs and step into your most magnetic self! The Pathway Membership gives you unlimited access to all of our manifestation workshops—including How to Manifest, Unblocking Your Inner Child, Shadow, Love, Money, Rock Bottoms, Ruts, and Energetic Updates —plus 70+ self-hypnosis tracks designed to unlock your full potential.JOIN HEREUse code EXPANDED for 20% off first month  Get the latest from TBMLacy Launched a Substack! - By Candlelight - Join HereThe Authenticity Challenge Manifest the life you *actually* want. JOIN NOWBrand New Video Series! Channeling with Lacy: Your Energetic Update for Manifesting + All New STRIPPED DI & EMBODIED DIFree live call on How to Stay Magnetic in 2025? Drop your email here and get the replay!Access brand new Magic Dark Playlist inside the TBM App – Join the Pathway (use code EXPANDED for 20% off first month)New to TBM? Free Offerings to Get You StartedLearn the Process! Expanded Podcast - How to Manifest Anything You Desire Get Expanded! The Motivation - Testimonial LibraryReady to find out what's holding you back? Try our Free Clarity ExerciseBe an EXPANDER! Share Your Manifestation StorySubmit to Be a Process GuestShare a voice note of your manifestation story to be featured in an episode! This Episode is brought to you by: Sunday for Dogs - 40% off with code TBMGet 40% off a two week trial of Sundays. Go to sundaysfordogs.com/TBM or use code TBM at checkout.Ned -15% off with code TBM15Magnesium Superblends  In This Episode We Talk About:Brianna's journey in quieting her inner critic, sourcing safety, and giving herself creative freedomThe emotional shift from needing validation to self-approvalCreating from truth even when no one is watchingHow social media challenges our ability to stay creatively pureSeparating the art from the marketing: two different vehiclesDeveloping inner safety as the foundation for vulnerabilityWhy 2025 is a collective reckoning for alignment and truthLetting go of what's not meant for you to invite what isThe energetic cost of clinging to misaligned pathsReframing creative blocks as tests of commitment and desireThe impulse to delay as a sign to take action nowUsing visual inspiration (like saved posts) as subconscious manifestation toolsRecognizing that your calling serves others—and they're waiting for youMentioned In the Episode: Check out Brianna's books The Pivot Year and The Live That's WaitingFind our authenticity challenge plus all our workshops and all workshops mentioned inside our Pathway Membership! (Including the Inner Child DI, Feel Your Feelings DI, and the Validation DI) Connect with Brianna@briannawiest on IGBooks by Brianna WiestSpeaking events Where To Find Us!@tobemagnetic (IG)@Lacyannephillips@Jessicaashleygill@tobemagnetic (youtube)@expandedpodcast

Welcome to a special episode of Creating Your Best Life, where I'm giving you an exclusive sneak peek into my Year of You program when I taught the power of Delaying Your Gratification from my March Workshop. Join me as I share how delaying instant rewards can lead to greater long-term success and fulfillment in life. This isn't just about saying "no" to now; it's about saying "yes" to a future you've always dreamed of. Listen in and discover practical tips, personal stories, and insightful strategies to help you embrace delayed gratification as a powerful tool for personal transformation. Because when you invest in yourself today, you're paving the way for a brighter tomorrow. Make 2025 your year with the Year of You program! When you join Year of You, you will gain instant access to the replays from February, March and April's workshops. Each month, join an empowering live workshop with me designed to help you grow, refocus, and take charge of your life. Paired with a digital planner and workbook, this program gives you the tools, strategies, and support to create your best life—one intentional month at a time. Say goodbye to feeling stuck and hello to a year of purpose, progress, and possibility. CLICK HERE TO REGISTER NOW!    

It's been over a week since the April 1st deadline and state budget negotiations have stalled because of discovery reform! Assembly Speaker Carl Heastie introduced a bill that would allow lawmakers to get paid when the budget is late due to policy. We're joined by Patrick Orecki, director of state studies with the Citizens Budget Commission, to unpack the calls from good government groups for more transparency in the state budget process for New Yorkers. State Sen. Kristen Gonzalez (D - Chair of Internet and Technology Committee) joins us to discuss artificial intelligence regulatory priorities at the Capitol this year.   EXPLORE MORE: nynow.org

Thinking of buying your first home but terrified of making the wrong move? You're not alone. In continuation of our previous NOTG episode, Yu Rong, Alexa, and Lyndon from PropertyLimBrothers dive into Ryan's case study—a 28-year-old earning $12K a month, who's on the verge of buying his first property—but struggling with uncertainty.   They explore the modern-day fears of young buyers: market volatility, loan limits, and whether to start with a 2-bedder or stretch for a 3-bedder. Yu Rong reflects on what he wishes he knew earlier, while the team shares crucial tips on saving, splitting your property portfolio, index funds, and insurance hacks just for men. This is the episode every 25 to 35-year-old should hear before making that big decision. Don't stay passive—your future depends on it. Tune in now!   00:00 Introduction 01:02 Ryan's income growth and property plans 02:16 Regrets about past property investment opportunities 05:46 Importance of financial knowledge and planning 07:39 Current property options for young professionals 08:49 Case study: A 26-year-old saving aggressively 10:54 Investing in property vs. stock market 12:09 Steps for young earners to save and invest 15:19 The role of parents in property investment 16:47 Saving strategies based on different income levels 19:05 Budgeting for living expenses and lifestyle choices 22:49 Insurance planning and SAF coverage 25:19 Back to Ryan's property investment strategy 27:30 Renting vs buying for young investors 28:53 Key financial takeaways from the discussion 30:06 Closing remarks and recap 32:26 Outtakes

Welcome to the Money Mastery Unleashed Podcast! In this episode, host Adam Olson breaks down seven genius retirement hacks that will help you maximize your wealth and achieve the stress-free retirement you've been dreaming of. These aren't the typical tips you hear every day—these are strategic moves that can have a massive impact on your financial future. Discover actionable insights on how to: • Optimize your Social Security benefits for maximum lifetime payouts. • Use the Rule of 55 to access 401(k) funds early, penalty-free. • Diversify your retirement income with dividend portfolios, rental properties, and part-time work. • Max out Roth IRA contributions to enjoy tax-free growth and withdrawals. • Take full advantage of employer matching programs—even in part-time roles. • Leverage the power of HSA accounts with their unique triple tax advantages. • Plan for retirement taxes strategically, ensuring you keep more of your hard-earned money. Whether you're nearing retirement or just starting your financial journey, these retirement hacks will equip you with the tools to build a secure and abundant future. Don't miss out! Be sure to: • Subscribe to the channel for more tips on mastering your money. • Share this video with someone who could use these strategies. • Drop a comment below and let me know which hack you're ready to implement! If you're ready to take your retirement planning to the next level, contact me today to create your customized Red Zone Retirement Plan. Together, we'll build a strategy tailored to your unique goals and circumstances. Your financial freedom starts now! Hit that subscribe button and turn on notifications for more insights to help you retire confidently and live the life you deserve. “Delaying your Social Security benefits past full retirement age can mean an 8% increase in your monthly payout every year—it's the ultimate game of patience paying off.” - Adam Olson Key Takeaways: Optimize Social Security Benefits Use the Rule of 55 for Early 401(k) Access Diversify Income Streams in Retirement Max Out Roth IRA Contributions Learn more about Adam Olson by visiting the following links: Facebook Personal Website Business Website -- Investing involves risk, including loss of principal.    Be sure to understand the benefits and limitations of your available options and consider all factors prior to making any financial decisions.  Any strategies discussed may not be suitable for everyone.  Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC.  Adam Olson, Representative.  Mutual of Omaha Investor Services is not affiliated with any entity listed herein.  This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services and its representatives do not offer legal or tax advice. The information presented is subject to change without notice and is not intended as an offer or solicitation with respect to the purchase or sale of any security or insurance product.Mutual of Omaha Investor Services and its various affiliates do not endorse or adopt comments posted by third parties.  Comments posted by third parties are their own and may not be representative or indicative of other's opinions, views, and experiences.

Hour 1 Barbershop talk | New Salt Lake Bees ballpark opens Utah Hockey Club playing about as good as any team right now What You May Have Missed Hour 2 Real Golf Radio host Bob Casper Good, Bad & Ugly Whole World News Hour 3 Utah Hockey Club insider Cole Bagley Sports Roulette Final thoughts

In this episode of Retire with Style, Wade Pfau and Alex Murguia dive into the current market landscape and what it means for retirement planning. They highlight the importance of staying grounded during periods of volatility and how emotions can cloud financial judgment. Alex introduces the RAIN model—a practical framework to recognize and manage emotional responses—to help investors approach market uncertainty with mindfulness. Together, Wade and Alex unpack how psychological biases influence decision-making and why having a flexible, well-structured plan is key to weathering financial storms. The conversation also explores strategies for resetting your financial plan in response to market changes, including flexible spending approaches, safe withdrawal rates, and considerations around delaying Social Security. The takeaway? Long-term goals matter most—and with the right mindset and plan, you can navigate uncertainty with confidence.   Takeaways Markets are currently down, prompting a need for better financial decisions. Emotional responses to market volatility can lead to poor decision-making. The RAIN model helps in recognizing and managing emotions during uncertainty. It's important to allow feelings of anxiety without acting on them. Investors should investigate their thoughts and biases during market downturns. Non-identification with emotions can lead to better decision-making. Market downturns can be beneficial for savers looking to buy at a discount. Resetting financial strategies is crucial during times of uncertainty. Long-term investment strategies should be prioritized over short-term reactions. Understanding one's retirement income style can impact decision-making during volatility. Maintaining flexibility in retirement spending is crucial. Market volatility can impact retirees differently based on their strategies. A diversified portfolio can help withstand market fluctuations. It's important to adapt your retirement strategy to your personal style. Delaying social security can lead to better long-term financial outcomes. Behavioral biases can hinder effective investing decisions. A financial plan provides a framework for making objective decisions. Backcasting helps in setting realistic financial goals. Understanding your future self can guide current financial decisions. Rules-based decision-making can mitigate emotional responses during market downturns.   Chapters 00:00 Market Volatility and Its Implications 05:02 Understanding Emotional Responses to Market Changes 19:06 The RAIN Model: A Framework for Decision Making 22:54 Resetting Financial Strategies During Uncertainty 23:48 Navigating Market Volatility in Retirement 27:06 Preparing for Financial Decisions in Uncertain Times 28:30 Understanding Safe Withdrawal Rates 29:49 Addressing Behavioral Biases in Investing 32:41 The Importance of Financial Planning 39:16 Strategies for Delaying Social Security   Links To continue today's conversation.. Join Retirement Researcher THIS Thursday 4/10/25 at 1PM ET for a timely webinar, hosted by Alex Murguia, Ph.D. called, "Making Smarter Financial Decisions in Volatile Markets". Register now at risaprofile.com/podcast    If you haven't already, visit risaprofile.com/style to discover your Retirement Income Style by taking our RISA® questionnaire for free!   The Retirement Planning Guidebook: 2nd Edition has just been updated for 2025! Visit your preferred book retailer or simply click here to order your copy today: https://www.wadepfau.com/books/     This episode is sponsored by Retirement Researcher https://retirementresearcher.com/. Download their free eBook, 8 Tips to Becoming A Retirement Income Investor at retirementresearcher.com/8tips    

See all the Healthcasts at https://www.biobalancehealth.com/healthcast-blog Are you menopausal and have any of the following symptoms? Hot Flashes Night Sweats Dry Vagina Painful intercourse Dry skin Lack of sex drive Lack of motivation Fatigue Depression and or anxiety Change in body composition, with fat collection in the abdomen Loss of Muscle Mass and strength Irritability Inability to remember names and places Decreased ability to problem solve Insomnia Arthritis Body pain These are all symptoms we currently are aware of associated with menopause and low testosterone.  These symptoms can be treated and reversed with bioidentical estradiol and testosterone pellets. Menopause should be treated like an illness that is universal but more severe in some women compared with others.  If your symptoms affect your lifestyle, relationships and work then you should see a doctor who treats hormone deficiency and accept treatment! However, if you allow yourself to be manipulated by a male-dominated medical system that teaches all doctors to believe that menopause is normal as women age and don't seek out hormone replacement, then you just may be setting yourself up for years of symptoms that are treated with handfuls of medications, but never get you back to normal. Just think about this for a minute: Men develop erectile dysfunction and experience muscle loss as they age, but medicine doesn't consider ED or Sarcopenia a natural aging process for men, they advocate and endorse treatment with testosterone, ED medications, injections for ED and therapy for ED, and in most cases pay for it!  If the male mentality would include women we would all be treated with estrogen and testosterone when we got to age 50 (or menopause). It is not just about the symptoms that E-T replacement can cure, but the diseases that you can avoid by taking estrogen and testosterone after menopause.  These avoidable diseases of aging include: Osteoporosis leading to broken bones and spinal stenosis. Heart disease and stroke Diabetes Alzheimer's Dx and dementia Obesity Low muscle mass and inability to walk or move independently. Autoimmune diseases Loss of blood flow to Lower extremity, resulting in amputations and inhibiting walking and running Severe arthritis Gout Worsening depression and anxiety Frailty which is what causes most older people to be placed in a nursing home. Just think it is not fate that gives you these conditions.  It is genetics plus lifestyle plus whether you replace your sex hormones or not! This decision is in your control.  If you really want a life free of debilitating disease and symptoms that are require constant medical care, then you must buck the system (that was designed to keep us from maintaining our mind and body) and look for a doctor to replace your testosterone and estradiol in a non-oral delivery system and maintain it for life. By stopping ERT or Testosterone like the ACOG doctors tell you to, you will start the symptoms all over again.  My job is to offer you the right type of help to reverse the effects of menopause…both symptoms and diseases. Your job is to decide whether you want to get help and become healthy by taking non-oral estrogen and testosterone for the rest of your life. Think of menopause as a disease and you will be more prepared to fight for your right to be treated by the medical system.

The Smart 7 is an award winning daily podcast, in association with METRO, that gives you everything you need to know in 7 minutes, at 7am, 7 days a week…With over 17 million downloads and consistently charting, including as No. 1 News Podcast on Spotify, we're a trusted source for people every day and we've won Gold at the Signal International Podcast awardsIf you're enjoying it, please follow, share, or even post a review, it all helps... Today's episode includes the following: https://x.com/i/status/1909249799993344067 https://x.com/i/status/1909208208364679238 https://x.com/i/status/1909212954702069787 https://x.com/i/status/1909326339129192544 https://x.com/i/status/1909200264516554848https://x.com/i/status/1909144264329601228https://x.com/i/status/1909203081390063979 https://x.com/i/status/1909221003747598482 https://x.com/i/status/1909233604431061361 Contact us over @TheSmart7pod or visit www.thesmart7.com or find out more at www.metro.co.uk Voiced by Jamie East, using AI, written by Liam Thompson, researched by Lucie Lewis and produced by Daft Doris. Hosted on Acast. See acast.com/privacy for more information.

The second phase of police withdrawal from mental health callouts starts in parts of the country next week. From Monday, detained mental health patients will be handed over within 60 minutes at Waitematā, Counties Manukau, Waikato, Nelson-Marlborough, and West Coast EDs. Police will also tighten custody rules to reduce unnecessary assessments. Assistant Commissioner Mike Johnson says police will make sure handovers are done safely. "We want our police staff to be out dealing with the issues that the public are expecting - and keeping people safe." LISTEN ABOVESee omnystudio.com/listener for privacy information.

Meta is entering its post-truth era, Nintendo is delaying Switch 2 US pre-orders following Trump's tariffs, and researchers who made miso in space say it tastes good, but different. It's Monday, April 7th and this is your morning roundup of tech news from Engadget. Learn more about your ad choices. Visit podcastchoices.com/adchoices

AP correspondent Charles de Ledesma reports Russia has struck Ukaine's second largest city Kharkiv.

AP Washington correspondent Sagar Meghani reports on European accusations that Russia is stalling talks on a Ukraine ceasefire.

Tim Herriage shares his journey from high school to a $7 billion real estate investor, highlighting his involvement in 2,500 houses and 150 loans totaling $25 million in the past year. How Tim Herriage Has Been A Part of $7 Billion In Real Estate Transactions | Video Replay https://youtu.be/ddFdNzwDp70 Review and Score Your Sales Calls for FREE! objectionproofselling.com/ai To Close More Sales Faster: closemoresales.com/salesmasterclass The Collective Genius Connect with the top Real Estate Operators in the Country and Get Access to Capital for your deals. Visit: www.100PercentMoney.com MOTIVATED LEADS Get a $300 Credit When You Mention STEVE TRANG when you contact us. https://www.motivatedleads.com/ Objection Proof Selling Sell As Your Authentic Self https://objectionproofselling.com/ How Tim Herriage Has Been A Part of $7 Billion In Real Estate Transactions Tim Herriage | Ternus RCN Capital https://www.facebook.com/timherriage https://www.youtube.com/c/timherriage https://timherriage.com/ https://www.ternus.com/ https://rcncapital.com/ https://www.instagram.com/timherriage Tim Herriage – CEO of Ternus, Inc. & Real Estate Investment Leader Tim Herriage is the CEO of Ternus, Inc., a real estate finance company built by investors, for investors. With over 20 years of experience in real estate investment, private lending, and capital markets, he has been involved in $8 billion+ transactions and acquired nearly 2,000 properties. A pioneer in the industry, Tim co-founded Blackstone's B2R Finance (now Finance of America Commercial) and played a key role in RCN Capital's national expansion. He also founded REI Expo, the largest real estate investor trade show in the U.S. At Ternus, Tim leads a mission to provide fast, transparent, and investor-friendly lending solutions, including 100% financing options. Through Regulation Crowdfunding (Reg CF), Ternus allows individual investors to become shareholders, keeping real estate finance in the hands of real investors. A former U.S. Marine Corps Intelligence Analyst, Tim applies a disciplined, mission-driven leadership style. He also hosts the "Real Investing for the Everyday Investor" podcast, sharing practical real estate insights. Based in Rockwall, Texas, he lives with his wife, Jennifer, and their two sons. Tim is passionate about helping investors build wealth and legacy, believing real estate should be about real people, not Wall Street. How Joe Went From Homeless To A Million Dollars In The Bank | Takeaways 1. Delaying gratification and investing wisely can lead to exponential wealth growth (e.g., $1 million at 30 can become $130 million by 65 if invested smartly). 2. Learn from your own mistakes, not just others' - personal experience is the best teacher. 3. Core values matter: Tim's STARS principle (Speed, Transparency, Accountability, Respect, Service) guides his leadership approach. 4. The importance of having a clear vision and mission in business, beyond just making money. 5. Continuous learning is key - always be eager to learn, attend masterminds, and stay connected with industry trends. Get 10% OFF on InvestorLift. Use promo code DISRUPTORS. Earn MORE in wholesaling—FAST! https://get.investorlift.com/disruptors/

How do you scale a product to 70M+ users without spending a dime on marketing?Deepak Joy Cheenath (Co-founder of Quizizz) reveals:✅ The moment Quizizz found its viral growth loop✅ How teacher-driven adoption fueled massive organic scale✅ The mistakes they made along the way—and what they learned✅ Why they held off on monetisation for years (and why it paid off)Timestamps:00:00 – Introduction02:15 – The early days of Quizizz & WizenWorld05:40 – The teacher-driven insight that changed everything09:10 – Scaling to 70M+ users with zero marketing12:30 – Why Quizizz delayed monetisation 20:20 – The lean team behind a global product28:30 – Key challenges & lessons from scaling36:50 – Competing with larger EdTech players45:15 – The power of community & word-of-mouth growth49:30 – Key insights & takeaways for foundersPrime  Venture Partners backed Quizizz early, helping them scale from a startup to a global EdTech leader.

⏳ What to Do If Your Spouse Is Delaying the Divorce Process? | Los Angeles Divorce ⚖️ Spouse Delaying Your Divorce? Here's How to Move Forward! One of the most frustrating things in divorce is when your spouse purposely delays the process. Whether they ignore paperwork, refuse to negotiate, or keep making excuses, these delays can drag your divorce out for months or even years. The good news? You have legal options to keep your case moving forward.

This week's show covers how not to invest, turning your portfolio into a paycheck, tax-efficient investing, and delaying Social Security.

⏳ What to Do If Your Spouse Is Delaying the Divorce Process? | Los Angeles Divorce ⚖️ Spouse Delaying the Divorce? Here's How to Stop the Stalling! One of the most frustrating parts of divorce is when your spouse purposely delays the process. Whether they ignore paperwork, refuse to negotiate, or make excuses, you don't have to wait forever. There are legal steps you can take to keep things moving forward, and in this video, I'll explain how to handle a spouse who is delaying your divorce.

If it's a soggy spring in your area, let the cover crops grow a little longer. This strategy can help no-till farmers avoid a delay in getting their cash crops in the ground, an Extension educator says. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Clients are “waiting to file their tax returns” amid tariff uncertainties, says Karla Dennis, “people are fearful right now.” She discusses why people might delay filing, including the hope that the administration might change policies for 2024. However, she thinks that is unlikely.======== Schwab Network ========Empowering every investor and trader, every market day.Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/About Schwab Network - https://schwabnetwork.com/about

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In this episode of Getting Real with Monick Halm, we're diving into a critical mindset shift that could make or break your financial future—why waiting for the “perfect” time to invest in real estate is actually costing you opportunities, wealth, and ultimately, financial freedom.Many aspiring investors ask, "Is now the right time to buy?" They worry about high interest rates, market conditions, economic uncertainty, or political changes. But the reality is, waiting for the stars to align often means missing out on years of potential growth, passive income, and wealth-building opportunities.Monick shares her own real estate investing journey, starting in 2005—right before the financial crash. Despite initial challenges, holding onto properties allowed her to reap massive rewards over time. She also recounts stories of investors who waited too long for a market correction that never came, losing out on significant opportunities.Key Takeaways from This Episode:✅ The Myth of the Perfect Time: Why no market cycle is ever “ideal” and how waiting can cost you more than taking action.✅ Lessons from Past Market Trends: Insights from 2008, 2016, and 2020 that prove successful investors adapt rather than sit on the sidelines.✅ The Power of Compound Growth: How small, consistent investments today can snowball into financial security and generational wealth.✅ Fear vs. Action: How fear of uncertainty can hold you back and why successful investors push through discomfort to create financial freedom.✅ Adapting Strategies for Market Cycles: How shifting your focus—whether to multifamily, industrial, or distressed assets—can open up new opportunities.Monick also introduces a free webinar designed to help you take control of your financial future. This session will provide actionable strategies for investing in any market, ensuring you don't fall into the common trap of waiting too long.

In today's episode of Next Level University, hosts Kevin Palmieri and Alan Lazaros discuss the harsh but necessary truths about goal-setting and discipline and why most people quit before they reach success. They explore the three biggest obstacles and share practical strategies for overcoming them. They also discuss the balance between hard work and celebration, ensuring that one's goals align with one's desired life.Learn more about:Next Level Dreamliner: https://a.co/d/9fPpxEtNext Level Live 2025 - https://bit.ly/4aTwC7QFree 30-minute Coaching Call with Alan - https://bit.ly/4f3MSUz_____________________NLU is not just a podcast; it's a gateway to a wealth of resources designed to help you achieve your goals and dreams. From our Next Level Dreamliner to our Group Coaching, we offer a variety of tools and communities to support your personal development journey.For more information, please check out our website at the link below.

In this episode of the Homegrown Podcast, hosts Liz and Joey discuss their experiences with technology as millennials and how they navigate raising their children in a digital age. They reflect on their own childhood experiences with cell phones and social media, the evolution of technology, and the challenges of parenting in a world where children have access to smartphones and the internet at a much younger age. Thank you to our sponsors, Ancestral Supplements. Use code: homegrown for 15% off your order. Find the Tech Wellness Social Media Book HEREWatch the interview on YouTube HERE.Find Homegrown on Instagram HERE.Find Liz Haselmayer on Instagram HERE.Find Joey Haselmayer on Instagram HERE.Shop real food meal plans and children's curriculum HERE.Get  exclusive podcast episodes HERE.Shop natural home goods on Haselmayer Goods HERE.

Wanna scale your business? Click here.Welcome to The Game w/ Alex Hormozi, hosted by entrepreneur, founder, investor, author, public speaker, and content creator Alex Hormozi. On this podcast you'll hear how to get more customers, make more profit per customer, how to keep them longer, and the many failures and lessons Alex has learned and will learn on his path from $100M to $1B in net worth.Follow Alex Hormozi's Socials:LinkedIn | Instagram | Facebook | YouTube | Twitter | Acquisition

I am excited to welcome my learned and insightful colleague, Dr. Miles Nichols, back today to conclude our two-part series on the inevitables of aging. In this episode, he explains how to test for the inevitables discussed in Part 1 using AI, genetics, epigenetics, microbiome analysis of the gut, skin, nose, and reproductive tissues, and blood nutrient testing. He also dives into the dangers of microplastics. Ways to Reduce Microplastic Exposure Drink filtered water (reverse osmosis is most effective) Use glass or stainless steel instead of plastic containers Avoid hot liquids in plastic-lined cups Do not store fermented foods in plastic Improve air quality in the home with filtration and ventilation Dr. Miles Nichols's Bio: Dr. Miles Nichols is a functional medicine doctor specializing in Lyme, mold illness, gut, thyroid, and autoimmunity. After personally struggling with chronic fatigue in his early 20s, Dr. Miles dedicated himself to figuring out the root causes. He suffered and recovered from thyroid dysfunction, autoimmunity, a gut infection, Lyme co-infections, and mold illness. Dr. Miles has authored two books. He founded the Medicine with Heart functional medicine clinic in Colorado as well as the Medicine with Heart Institute that trains other doctors in functional medicine. In this episode: Various categories and sub-categories of testing for the inevitables of aging Dr. Miles shares his favorite interventions when creating a personalized approach for his patients How environmental toxins impact health Why addressing dampness and mold in the home is critical for longevity Dr. Miles discusses the challenges of diagnosing and treating Lyme disease The benefits of herbal therapies and advanced testing for managing chronic infections The importance of self-awareness, gratitude, positive mindset, and mindfulness in health management Links and Resources: Use code GLUTATHIONE to get 10% off GLUTATHIONE Use code MOOD to get 10% off 5HTP Use code BIND to get 10% off ENVIROBIND Follow Your Longevity Blueprint  On Instagram| Facebook| Twitter| YouTube | LinkedIn Get your copy of the Your Longevity Blueprint book and claim your bonuses here Find Dr. Stephanie Gray and Your Longevity Blueprint online   Follow Dr. Stephanie Gray  on Facebook| Instagram| Youtube | Twitter | LinkedIn Integrative Health and Hormone Clinic Podcast production by Team Podcast  Relative Links for This Show: Medicine With Heart Functional Medicine Blog  

In our news wrap Sunday, Israel delayed the release of 620 Palestinian detainees it was supposed to free on Saturday, Musk’s team asked more than 2 million federal employees to explain their work or risk losing their jobs, the pope remains in critical condition with early signs of kidney failure, and U.S. skiing star Mikaela Shiffrin became the first skier to win 100 World Cup races. PBS News is supported by - https://www.pbs.org/newshour/about/funders