Podcasts about delaying

On June 16, the Registrar General of India under the Union Ministry of Home Affairs issued a notification that India's population will be counted in 2027. Following demands by the Opposition parties, among other reasons, the government has also announced the inclusion of caste enumeration in the Census for the first time in independent India. The last Census was held in 2011. The exercise was to take place in 2021, but was delayed because of the COVID-19 pandemic. It has now been further pushed to 2027. Will delaying the Census affect its implementation? Here we discuss the question. Guests: Sanjay Kumar, Co-Director of Lokniti, a research programme at the Centre for the Study of Developing Societies, New Delhi; Poonam Muttreja, Executive Director, Population Foundation of India Host: Vijaita Singh

Big day in the Bryan Kohberger case: Judge Hipler will review motions including the defense's request to delay the trial and various evidence regarding the Idaho4 murder investigation. Don't miss our full breakdown and live coverage—subscribe now for the latest on this breaking true crime story. Welcome to Surviving the Survivor, the show that brings you the #BestGuests in all of #truecrime and in this case...live coverage of a big true crime story. STS Host Joel Waldman will be joined for analysis after the hearing with #BestGuest Attorney Tim Jansen who has been following the case. And let's remember the four college students who were murdered in Moscow, Idaho. The Idaho4 include Madison Mogen, Kaylee Goncalves, Xana Kernodle, and Ethan Chapin. Bryan Kohberger, a former criminology Ph.D. student at Washington State University, faces four counts of first-degree murder and one count of burglary in connection with the brutal stabbing deaths of four University of Idaho students—Kaylee Goncalves, Madison Mogen, Xana Kernodle, and Ethan Chapin—on November 13, 2022. The trial, initially set for June 2025, has been delayed to August 11, 2025, with jury selection beginning July 30. Defense attorney Anne Taylor argues that the extensive media coverage and the complexity of the case, including over 51 terabytes of evidence and more than 400 potential witnesses, necessitate more time to prepare. Prosecutors, led by Bill Thompson, contend that the defense has adequate resources and that the victims' families deserve timely justice. Judge Steven Hippler is expected to rule on several motions, including the possibility of a death penalty and the admissibility of evidence related to alternate suspects.⸻ #Support the show:All Things STS: Https://linktr.ee/stspodcastGet Joel's Book: Https://amzn.to/48GwbLxSTS Merch: Https://www.bonfire.com/store/sts-store/Support the show on Patreon: https://www.patreon.com/SurvivingTheSurvivorCatch us live on YouTube: Surviving The Survivor: #BestGuests in True Crime - YouTubeVenmo Donations: @STSPodcast#BryanKohberger #Idaho4 #IdahoMurders #MoscowIdaho #TrueCrime #IdahoStudents #TrueCrimeCommunity #CrimeJunkie #JusticeForIdaho4 #BryanKohbergerTrial #stsnation #murdermystery #trial

Protect your family with our 1 minute free parent quiz https://www.smartsocial.com/newsletterJoin our next weekly live parent events:  https://smartsocial.com/eventsToday's AI tools can do more than analyze text. They can scan an image and instantly identify where it was taken—even if there's no tag or caption.In this Josh Talk, we explore how easy it's become to trace a student's location from a simple photo, and why that should matter to every parent and educator.Whether it's a selfie outside school or a picture at a favorite hangout, kids are often unaware of how much personal data they're revealing.Josh breaks down four key strategies families can use to reduce risk and build smarter posting habits, including:• Checking images for background details• Delaying posts until after leaving a location• Setting profiles to private• Starting open conversations at homeBecome a Smart Social VIP (Very Informed Parents) Member: https://SmartSocial.com/vipDistrict Leaders: Schedule a free phone consultation to get ideas on how to protect your students in your community https://smartsocial.com/partnerDownload the free Smart Social app: https://www.smartsocial.com/appdownloadLearn about the top 190+ popular teen apps: https://smartsocial.com/app-guide-parents-teachers/View the top parental control software: https://smartsocial.com/parental-control-software/The SmartSocial.com Podcast helps parents and educators to keep their kids safe on social media, so they can Shine Online™

Wrapping up ur mini-series of counterfeit vs. promise with letting go of our desperation. Counterfeits come to test our obedience, but obedience cannot live with desperation. Let's go through scripture to learn how to tackle and finally let go of desperation.For sponsorships and collabs

This week's show covers which accounts your beneficiaries would rather inherit, corporate bonds, how to delay early filing of Social Security, and more!

Delaying diagnosis of parkinsonism can mean delaying care. In a study recently published in JAMA Neurology, David Vaillancourt, PhD, and colleagues tested the ability of an AI model to differentiate between Parkinson disease and other neurodegenerative disorders when paired with MRI. He joins JAMA and JAMA+ AI Associate Editor Yulin Hswen, ScD, MPH to discuss. Related Content: A Large Proportion of Parkinson Disease Diagnoses Are Wrong—Here's How AI Could Help Automated Imaging Differentiation for Parkinsonism

This week's show covers which accounts your beneficiaries would rather inherit, corporate bonds, how to delay early filing of Social Security, and more!

Most pre-retirees believe that saving more money means a more secure retirement—but what if that mindset is actually holding you back? In this episode, host Adam Olson dives into the over-saving trap, a common financial mistake that leaves retirees living well below their means, missing out on the life they worked so hard to build. Instead of securing financial freedom, they create a self-imposed financial prison.Adam breaks down why fear of market downturns, healthcare costs, and running out of money cause many to delay retirement unnecessarily or drastically underspend when they don't have to. With real-life examples and practical financial strategies, this episode uncovers why a structured retirement income plan is more important than just accumulating a big savings balance.Key Takeaways: • More savings doesn't equal more security—structured income does. • The retirement red zone (5-10 years before and after retirement) is the most critical period for financial decisions. • Delaying retirement due to fear can steal your best years and lead to unnecessary work stress. • Creating tax-efficient income streams prevents a financial “tax bomb” later in retirement. • True legacy isn't just about passing down wealth—it's about using your wealth wisely today while securing generational financial stability.If you're ready to rethink your approach to retirement and start living freely without fear, this episode is for you. Click the link in the description to get a free, personalized retirement analysis and make sure your money is working for you—not against you.“The greatest risk in retirement isn't running out of money; it's never truly living because you're too afraid to spend.” - Adam OlsonLearn more about Adam Olson by visiting the following links:FacebookPersonal WebsiteBusiness WebsiteRetirement Quiz--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.

Send us a textStrap in, nerds — it's time for another brutally honest, occasionally aggressive PSA from your favorite cynical pipehitters. Aaron, Jared, and Trent are done pretending like your DMs are cute. This episode is a tactical nuke on all the dumbass questions that keep clogging our inboxes like an MRE-induced constipation crisis.Are you 25 and feeling “too old”? Shut up. Asking if you should delay shipping because your runtime is 0.3 seconds off? Delay your dreams forever, why not. Unsure whether you should be a PJ, CCT, SR, or join the FBI to fight aliens with the CIA? We're not your career counselor, Karen.This is the one-stop, soul-crushing episode you'll be angrily timestamping and rage-sharing with your overthinking wannabe operator buddies. We cover:Magical age limits and why the pipeline doesn't care about your birth yearWhy your “peak interest” is spelling itself out of selectionWhat training volume actually means (spoiler: you're not doing enough)The truth about SpecWar lifestyle, hot teammates, and why Air Force has the hottest dudes AND best hotelsOh, and yes — we talk about “Hot Kyle.” Again.

Listen to Christian Esguerra's discussion with Barry Gutierrez.

If you have time to eat, you have time to heal. Learn how to turn every bite into a breakthrough. Start prioritizing your physical healing like your meals and experience real transformation through God's Word. Purchase Kathy's book Healed at Last – Overcome Sickness to Receive your Physical Healing on Amazon https://a.co/d/6a6mt8w or at: https://www.kathydegrawministries.org/healed-at-last/ Purchase Kathy's book Healed at Last – Overcome Sickness to Receive your Physical Healing on Amazon https://a.co/d/akj6IIM or at: https://www.kathydegrawministries.org/product/healed-at-last-pre-order-now/ Purchase Anointing Oil with a prayer cloth that Kathy has personally mixed and prayed over on Kathy's Website or Amazon. Order anointing oil by Kathy on Amazon look for her brand here https://amzn.to/3PC6l3R or Kathy DeGraw Ministries https://www.kathydegrawministries.org/product-category/oils/ Training, Mentorship and Deliverance! Personal coaching, deliverance, e-courses, training for ministry, and mentorships! https://www.kathydegrawministries.org/training/#  In this powerful episode, Kathy DeGraw confronts a hard truth: we prioritize food over healing. We schedule our meals, snacks, and hydration, but how often do we make time to declare God's Word over our bodies? Kathy issues a challenge to flip that pattern—what if every time you eat, you also speak a healing declaration? Through scripture meditation, simple one-line prayers, and the strategic use of anointing oil, you can transform your daily routine into a healing encounter. Kathy shares her personal testimony, biblical insight from Genesis 50:20 and Romans 8:28–29, and practical encouragement to help you press through fear, fatigue, and passivity. Healing doesn't happen by accident—it takes intention, perseverance, and spiritual investment. Make time for your physical and emotional restoration. Start small. Stay consistent. Because your healing matters, and so does your destiny.     #healingthroughscripture #dailyhealingdeclarations #prioritizeyourhealth #foodandfaith #christianhealingencouragement **Connect with Us** - Website: https://www.kathydegrawministries.org/ - Facebook: https://www.facebook.com/kathydegraw/ - Instagram: https://www.instagram.com/kathydegraw/   Podcast - Subscribe to our YouTube channel and listen to Kathy's Podcast called Prophetic Spiritual Warfare, or on Spotify at https://open.spotify.com/show/3mYPPkP28xqcTzdeoucJZu or Apple podcasts at https://podcasts.apple.com/us/podcast/prophetic-spiritual-warfare/id1474710499   **Recommended Resources:** - Receive a free prayer pdf on Warfare Prayer Declarations at https://kathydegrawministries.org/declarations-download - Kathy's training, mentoring and e-courses on Spiritual Warfare, Deliverance and the Prophetic: https://training.kathydegrawministries.org/ - Healed At Last ~ Overcome Sickness and Receive your Physical Healing: https://www.kathydegrawministries.org/healed-at-last/ - Mind Battles – Root Out Mental Triggers to Release Peace!: https://www.kathydegrawministries.org/product/mind-battles-pre-order-available-january-2023/ -Kathy has several books available on Amazon or kathydegrawministries.org   **Support Kathy DeGraw Ministries:** - Give a one-time love offering or consider partnering with us for $15, $35, $75 or any amount! Every dollar helps us help others!  - Website: https://www.kathydegrawministries.org/donate/  - CashApp $KDMGLORY - Venmo @KD-Ministries - Paypal.me/KDeGrawMinistries or donate to email admin@degrawministries.org - Mail a check to: Kathy DeGraw Ministries ~ PO Box 65 ~ Grandville MI 49468  

Salary sacrifice and National Insurance changes have created significant challenges for employers across the UK. However, every challenge presents an opportunity — and this episode of the I Hate Numbers podcast is all about turning rising employment costs into smarter savings. We break down the April 2025 National Insurance changes, explain the mechanics and advantages of salary sacrifice, and outline legal steps every business must follow. With real-world examples, tax-saving insights, and proactive advice, we show you how to keep costs down while maintaining employee benefits. If you're an employer navigating these changes, or an accountant advising clients, this episode will give you the practical knowledge and tools to plan ahead and reduce unnecessary tax burdens. Main Topics & Discussion Understanding the April 2025 National Insurance Changes From April 6th, 2025, National Insurance costs for employers increased from 13.8% to 15%, while the threshold dropped from £9,100 to £5,000. An increase in the employer's NI allowance from £5,000 to £10,500 helps, but many will still face higher contributions per employee. Additionally, Class 1B contributions have also risen to 15%, increasing overheads significantly. What Salary Sacrifice Actually Means Salary sacrifice is a voluntary agreement where employees trade part of their gross pay for non-cash benefits — like pension contributions or cycle-to-work schemes. This setup results in lower taxable pay, meaning both the employer and employee pay less in National Insurance while still gaining the same benefits. How Salary Sacrifice Works in Practice Take pensions, for example: without salary sacrifice, the employee pays £500 into their pension from net salary. With salary sacrifice, their gross salary is reduced by £500, and that amount goes straight into the pension. Both parties then enjoy NI savings. The Financial Benefits Are Clear Employers could save up to £900 per employee annually. Employees also reduce their own NI contributions. Multiply these savings across a workforce, and the financial impact becomes substantial — all without reducing actual pension value. Eligible Benefits for Salary Sacrifice Despite recent limitations, options like pensions, low-emission vehicles, workplace nurseries, and bikes with safety gear still qualify. Each brings tax efficiencies when structured correctly. Legal Requirements You Must Follow It's critical to follow the rules: update contracts, ensure genuine salary reductions, and never backdate arrangements. These schemes must be implemented before payroll runs. Errors could result in HMRC scrutiny. Why Act Sooner Rather Than Later The earlier you start, the greater your savings. Delaying means more months of paying higher National Insurance. Don't let inaction eat into your profits — explore your options now. Links Mentioned in This Episode

HR2 - Jones and Keefe shift gears to the Red Sox in the second hour of today's show. Why are the Sox putting off the promotion of Roman Anthony so badly? Will they be able to flip the switch in Atlanta? In the Friday Four Pack the guys discuss what they think will happen first, the Bruins name their next head coach or the Sox finally promote Anthony.

I've had moments where I asked God, “Why are You taking so long?”But what I've learned is… He wasn't punishing me—He was preparing me.In this episode, I open up about the waiting season. The one where it feels like everyone's getting married, moving forward, and you're just... stuck. But you're not stuck. You're being sanctified. God is doing something deep in your spirit right now.If you've ever felt like you're behind or forgotten, I made this for you. I talk about what the Holy Spirit showed me in my lowest moments, and how this “delay” is really development. I share real things I've prayed through, cried over, and grown from—and I promise, it's not just you. You're not crazy. And you're not alone.This is a love letter to the girl (or guy) waiting on God.Because what He's building in you is worth the wait.✨ Stay Connected with Me! ✨

Ed and Rob took some time from Friday's BBMS to recap the Knicks' game 5 win over the Pacers. Does New York have a real chance at completing a 3-1 comeback? Or are they just delaying their demise at the hands of the Pacers?

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.

In this milestone 100th episode of the Common Sense Financial Podcast, host Brian Skrobonja delves into the critical topic of managing taxes in retirement. The episode focuses on strategies for minimizing tax liabilities, especially for retirees with tax-deferred accounts facing potential hefty tax bills. Brian emphasizes the importance of sustainable income creation during retirement and the role of tax optimization in this process. Most people envision their retirement to be built from predominantly tax-free income, but after many years of deferring taxes, retirees are facing a sizable tax bill on distributions taken from their retirement accounts that could be a third or more of what has been accumulated. When you're saving for retirement, growth of your assets is the priority. But many people don't realize that once they retire that's no longer true. The priority is actually creating sustainable income to support you through retirement while minimizing taxes. A common issue I've seen is future retirees knowing they will owe taxes on their deferred accounts, but not realizing the extent of the problem since the rules change once they retire. Many retirees we work with tend to have the same income goals in retirement, yet with fewer deductions. They no longer have children or mortgage interest to help them offset their tax burdens, which makes the situation more complex. Delaying distributions isn't an option either. Required Minimum Distributions will eventually force your hand. There are two tax problems facing retirees: taxes you will have to contend with today, and taxes that you will have to contend with in the future. With the national deficit continuing to rise, do you expect tax rates to go down in the future or go up? The most likely answer is that tax rates are on the rise, so we should be planning accordingly. There are two possibilities to help minimize the level at which you participate in paying your fair share towards the government's future revenue increases. You can either complete a Roth conversion or through tax deferred withdrawals contribute to an overfunded permanent life insurance policy. Making the decision of which strategy to implement is the easy part. The trick really is completing this process with minimal tax liabilities, which requires specialized knowledge. The progressive nature of the code makes understanding your tax burden complicated and miscalculating this could result in having a larger tax liability than anticipated. Depending on your income level, a taxable distribution can subject your Social Security to additional taxes. This is a separate calculation from the income tax brackets and uses a two step process to determine how much of your social security will be subject to taxation. This is important to know because a taxable distribution may not only push you into a higher income tax bracket, but it could trigger additional taxes on your social security, which could result in a higher effective rate. You should also be aware of the impact a taxable distribution can have on Medicare premiums. The impact of any possible premium increase is typically delayed by two years. This is one of those things that often comes as a surprise when people make decisions about distributions. The antidote to taxable income is deductions, credits and losses which can help reduce the net income subject to tax. There are a few options that can help offset the burden of taxes and make the transition from tax-deferred to tax-free easier, but they don't work for everyone, which is why we recommend working with a professional. The first thing is a donor advised fund or DAF. This allows you to contribute future charitable donations into a fund that you control when distributions are made that can also receive the tax benefit of the donation in the year you make the contribution into the fund. By making multiple years of donations in a single year into that fund, you have the potential of helping offset a taxable distribution from your retirement account in that year. The second is a Charitable Remainder Trust (CRT), where you can contribute future charitable donations into the trust and receive the tax benefit of the donation in the year you make the contribution. You can also receive income from the trust while you're living within IRS limits. A CRT is a more complex arrangement than a DAF with many options and requires an attorney to draft the trust. The third is a qualified charitable donation or QCD, which allows for anyone over the age of 70 and a half to make a direct donation from a qualified account to a charity. The fourth is something known as IDCs, or intangible drilling costs, which allows accredited investors to participate in the drilling expenses of an oil and gas company that could provide reportable tax losses that can help offset all forms of income, as well as the potential for cash flow back to the investor once the wells are operational.     Mentioned in this episode: BrianSkrobonja.com SkrobonjaFinancial.com Common Sense Financial Podcast on YouTube  Common Sense Financial Podcast on Spotify Brian's article - From Tax-Deferred to Tax-Free: Navigating Taxes in Retirement   References for this episode: https://www.usdebtclock.org/ https://www.irs.gov/newsroom/irs-provides-tax-inflation-adjustments-for-tax-year-2024 https://www.irs.gov/newsroom/irs-provides-tax-inflation-adjustments-for-tax-year-2024 https://www.ssa.gov/benefits/retirement/planner/taxes.html https://www.ssa.gov/benefits/medicare/medicare-premiums.html#anchor5 https://www.irs.gov/charities-non-profits/charitable-organizations/charitable-contribution-deductions https://www.irs.gov/charities-non-profits/charitable-remainder-trusts https://www.irs.gov/newsroom/qualified-charitable-distributions-allow-eligible-ira-owners-up-to-100000-in-tax-free-gifts-to-charity https://www.investopedia.com/terms/i/intangible-drilling-costs.asp https://www.crfb.org/blogs/tax-break-down-intangible-drilling-costs     Securities offered only by duly registered individuals through Madison Avenue Securities, LLC. (MAS), Member FINRA &SIPC. Advisory services offered only by duly registered individuals through Skrobonja Wealth Management (SWM), a registered investment advisor. Tax services offered only through Skrobonja Tax Consulting. MAS does not offer Build Banking or tax advice. Skrobonja Financial Group, LLC, Skrobonja Wealth Management, LLC, Skrobonja Insurance Services, LLC, Skrobonja Tax Consulting, and Build Banking are not affiliated with MAS. Skrobonja Wealth Management, LLC is a registered investment adviser. Advisory services are only offered to clients or prospective clients where Skrobonja Wealth Management, LLC and its representatives are properly licensed or exempt from licensure. The firm is a registered investment adviser with the state of Missouri, and may only transact business with residents of those states, or residents of other states where otherwise legally permitted subject to exemption or exclusion from registration requirements. Registration with the United States Securities and Exchange Commission or any state securities authority does not imply a certain level of skill or training. Investing involves risk, including the potential loss of principal. This is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual's situation. A ROTH Conversion is a taxable event. Consult your tax advisor regarding your situation. Investments in securities are subject to investment risk, including possible loss of principal. Prices of securities may fluctuate from time to time and may even become valueless. Gas and oil investments are speculative in nature and are sold by Private Placement Memorandum (PPM). Carefully read the PPM before investing. Certain accreditation requirements may apply. Donor Advised Funds represent an irrevocable gift of assets from the donor to the fund. Contributions made to the fund are irrevocable and cannot be returned or used for any other individual or used for any purpose other than grant making to charities. The gift is not an investment or a security. When evaluating a contribution to the fund, carefully consider the terms and conditions, limitations, charges, and expenses. Depending on the tax filing status, DAF contributions may or may not be tax deductible.

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.

Article 6 is a section of the Paris Agreement that enables countries to trade emissions reductions to meet their climate goals more cost-effectively.What's holding up progress on Article 6? In this episode, host Anna Stablum is joined by Peter Zaman, Climate Finance Lawyer, COP Veteran, and Partner at HFW, to examine the legal and regulatory hurdles facing carbon markets after COP29.They discuss the operational status of Articles 6.2 and 6.4 of the Paris Agreement, explaining how complex rules, shifting market preferences, and individual country priorities are slowing progress. From the cost of emission abatement to reaching national net-zero targets, this conversation highlights why many nations are proceeding cautiously—and how bilateral frameworks may offer a more secure path forward.You will also gain insight into the challenges around letters of authorization (LOAs), how host countries are evaluating the real cost of corresponding adjustments, and the uncertainties still facing private sector participation as these markets evolve.Don't miss out on future episodes! Subscribe to ESG Decoded on your preferred podcast platforms and follow us on social media for updates.Episode Resources: Paris Agreement – Article 6: https://unfccc.int/process-and-meetings/the-paris-agreement/the-paris-agreement/article-6 COP29 – UN Climate Change Conference: https://unfccc.int/cop29UNFCCC Template: Letter of Authorization (LOA): https://unfccc.int/sites/default/files/resource/LOA_Template_Article6.2.pdf CORSIA – ICAO Aviation Offset Program: https://www.icao.int/environmental-protection/CORSIA/Pages/default.aspx MIGA – World Bank Political Risk Insurance: https://www.miga.org/-About ESG Decoded ESG Decoded is a podcast powered by ClimeCo to share updates related to business innovation and sustainability in a clear and actionable manner. Join Emma Cox, Erika Schiller, and Anna Stablum for thoughtful, nuanced conversations with industry leaders and subject matter experts that explore the complexities about the risks and opportunities connected to (E)nvironmental, (S)ocial and (G)overnance. We like to say that “ESG is everything that's not on your balance sheet.” This leaves room for misunderstanding and oversimplification – two things that we'll bust on this podcast.ESG Decoded | Resource Links Site: https://www.climeco.com/podcast-series/Apple Podcasts: https://go.climeco.com/ApplePodcastsSpotify: https://go.climeco.com/SpotifyYouTube Music: https://go.climeco.com/YouTube-MusicLinkedIn: https://www.linkedin.com/company/esg-decoded/IG: https://www.instagram.com/esgdecoded/X: https://twitter.com/ESGDecodedFB: https://www.facebook.com/ESGDecoded*This episode was produced by Singing Land Studio  About ClimeCoClimeCo is an award-winning leader in decarbonization, empowering global organizations with customized sustainability pathways. Our respected scientists and industry experts collaborate with companies, governments, and capital markets to develop tailored ESG and decarbonization solutions. Recognized for creating high-quality, impactful projects, ClimeCo is committed to helping clients achieve their goals, maximize environmental assets, and enhance their brand.ClimeCo | Resource LinksSite: https://climeco.com/LinkedIn: https://www.linkedin.com/company/climeco/IG: https://www.instagram.com/climeco/X: https://twitter.com/ClimeCoFB: https://www.facebook.com/Climeco/

Mike Armstrong and Paul Lane discuss the decision by President Trump to delay the deadline for tariffs on the EU. Why is negotiating with the EU so difficult? How a growing US deficit could impact American households. Earnings season is coming to a close after surprisingly good results. Tesla is getting its butt kicked in Europe.

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!

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!    

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    

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

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.

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