Podcasts about Efe

El Director del proyecto Tren Santiago Batuco, Juan Pablo Palominos, comentó la firma del contrato de obras del servicio que será la obras civil y ferroviaria más grande en la historia de EFE trenes de Chile.

“Pues por medio de él tenemos acceso al Padre por un mismo Espíritu” (Efe. 2:18, NVI)El hijo del presidente ~ Devocional de Jóvenes ~ 24 de agosto 2025 ~ AD7Devocional----------------------------Code: 9MGVQQF80ZYCIWXSBUSCA en Facebook el texto de la matutina:http://www.facebook.com/AD7Devocional/SIGUE en Instagram el post de la matutina y el versículo diario:http://www.instagram.com/AD7Devocional/VISITA nuestra pagina de internet:http://www.ad7devocional.comSUSCRIBE a YouTube, comparte y ve nuestros videos:http://www.youtube.com/AD7DevocionalESCUCHA a traves de Spotify:https://open.spotify.com/show/4VfzQUU2omzsrqITRsL6AhAutor: Jorge L. Rodriguez (Rodriguez, Jorge L.)Titulo: Hoy es Tendencia - Seguir a Jesús nunca pasa de moda(Lecturas devocionales para jóvenes) (Spanish Edition). IADPA. Matutina Para JóvenesDevoción Matutina Para JóvenesGracias a Ti por escucharnos, un abrazo AD7… Hasta la próxima!

Buenos días, soy Yoani Sánchez y en el "cafecito informativo" de este lunes 11 de agosto de 2025 toco estos temas: - En la Isla de la piratería, la falsificación es rey - Siguen ignorando la subida del costo de internet en los cálculos de la inflación - Un apagón facilita el robo de millones de pesos en una mipyme - Convocatoria para los Premios Rey de España de Periodismo Gracias por compartir este "cafecito informativo" y te espero para el programa de mañana. Puedes conocer más detalles de estas noticias en el diario https://www.14ymedio.com Los enlaces de hoy, para abrirlos desde la Isla se debe usar un proxy o un VPN para evadir la censura: En la isla de la piratería, no importa que el logo sea falso https://www.14ymedio.com/cuba/isla-pirateria-no-importa-logo_1_1116800.html La Onei sigue ignorando los aumentos de Etecsa en su cálculo de la inflación en julio https://www.14ymedio.com/economia/onei-sigue-ignorando-aumentos-etecsa_1_1116815.html Un apagón facilita el robo de millones de pesos a una mipyme en Sancti Spíritus https://www.14ymedio.com/cuba/apagon-facilita-robo-millones-pesos_1_1116778.html Rumores de julio: asesinatos dentro del régimen cubano y robo de documentos https://www.14ymedio.com/cuba/rumores-julio-asesinatos-regimen-cubano_1_1116812.html Un entrenador denuncia el robo de celulares al equipo de fútbol sala de Pinar del Río https://www.14ymedio.com/deportes/entrenador-denuncia-robo-celulares-equipo_1_1116803.html Severo ocultista https://www.14ymedio.com/opinion/severo-ocultista_1_1116782.html Evangélicos de EE UU proveen agua en decenas de municipios en Cuba https://www.14ymedio.com/cuba/evangelicos-ee-uu-proveen-agua_1_1116760.html La Aduana de EE UU confisca veneno de escorpión azul a un pasajero procedente de Cuba https://www.14ymedio.com/cuba/aduana-ee-uu-confisca-veneno_1_1116798.html La prensa oficialista de Guantánamo arremete contra el "virus" de la dolarización https://www.14ymedio.com/cuba/prensa-oficialista-guantanamo-arremete-virus_1_1116786.html Cuba compró 1,3 millones de dólares en motocicletas a EE UU en junio https://www.14ymedio.com/economia/cuba-compro-1-3-millones_1_1116774.html Muere el senador y precandidato presidencial colombiano Miguel Uribe Turbay https://www.14ymedio.com/internacional/muere-senador-precandidato-presidencial-colombiano_1_1116813.html Convocatoria para los Premios Rey de España de Periodismo 2026 de EFE y AECID https://www.14ymedio.com/cartelera/convocatoria-premios-rey-espana-periodismo_1_1116132.html

8. nedeľa po Svätej Trojici Žite ako deti svetla. Veď ovocie svetla je vo všetkej dobrote, spravodlivosti a pravde. Efežanom 5,8b.9 Efežanom 5,8b-14

7. nedeľa po Svätej Trojici Už nie ste cudzinci a prisťahovalci, ale ste spoluobčania svätých a členovia Božej rodiny. Efežanom 2,19 Ján 6,30-35

Bad Bunny is dominating headlines and social feeds this week as he continues an extraordinary summer both at home and on the global stage. The Puerto Rican superstar is in the midst of a historic 30-show residency in San Juan, an event fans and culture writers are calling a defining cultural moment for Puerto Rico. These concerts have become more than just performances—they're celebrations of heritage, resilience, and Bad Bunny's connection to his roots, drawing thousands and captivating his hometown of Vega Baja. EFE reported on July 25 how Vega Baja currently radiates with pride, reflecting on Bad Bunny's journey from quiet teenager to world-famous artist, and the residency has become the talk of the island.Musically, Bad Bunny continues to break barriers. He recently released "Alambre Púa," his first new single since his chart-topping album Nadie Sabe Lo Que Va a Pasar Mañana. The song debuted during his Puerto Rican residency and was released officially on July 14 according to 949 KCMO. Just days later, he dropped a surprise holiday single titled “Pitorro de Coco,” a nod to a traditional Puerto Rican drink, showing his ability to blend local tradition and emotional storytelling. The Lagos Review highlights the impact of this release, noting that it sits alongside the announcement of his sixth studio album, Debí Tirar Más Fotos, scheduled for release early next year.Spotify has confirmed Bad Bunny remains the most streamed artist globally for the eighth straight day, testament to his enduring popularity and the anticipation building around his upcoming album. Social channels buzz with clips from his concerts and behind-the-scenes moments, showing off not just the music but the spectacle and passion at his live shows.Beyond music, Bad Bunny is also making waves in entertainment news. He's featured in the trailer for Happy Gilmore 2, where behind-the-scenes Instagram highlights show him alongside comedic great Ben Stiller. His 2024 “Most Wanted Tour” wrapped up as one of the year's highest-grossing tours, pulling in over $210 million according to The Lagos Review. Boardroom's coverage on July 28 featured Bad Bunny “bringing the bag back home,” celebrating both his artistic and business successes.Puerto Rican and international media are framing Bad Bunny's summer not just as a series of concerts, but as a profound homecoming and a celebration of identity. People on Instagram and TikTok are sharing stories and memories, emphasizing how Bad Bunny's residency has effectively “shut down Puerto Rico”—the excitement and pride are palpable throughout the island and the diaspora.Listeners, thanks for tuning in for this update on Bad Bunny's incredible week and what's making news around one of the world's biggest artists. Come back next week for more. This has been a Quiet Please production—check out Quiet Please Dot A I for more.Some great Deals https://amzn.to/49SJ3QsFor more check out http://www.quietplease.ai

Buenos días, soy Yoani Sánchez y en el "cafecito informativo" de este martes 22 de julio de 2025 tocaré estos temas: - Comer frutas, el lujo inalcanzable para tantos cubanos - Menos de un millón de turistas entre enero y junio - Escuela de cine de San Antonio, donde libertad hubo, control queda - Convocatoria para los Premios Rey de España de Periodismo Gracias por compartir este "cafecito informativo" y te espero para el programa de mañana. Puedes conocer más detalles de estas noticias en el diario https://www.14ymedio.com Los enlaces de hoy, para abrirlos desde la Isla se debe usar un proxy o un VPN para evadir la censura: Maduro coló al asesino de dos cubanas en Madrid entre los 10 estadounidenses canjeados https://www.14ymedio.com/internacional/maduro-colo-asesino-cubanas-madrid_1_1116158.html "Hemos recibido amenazas", lamenta la alcaldesa que retiró las estatuas de Fidel Castro y Che Guevara https://www.14ymedio.com/internacional/hemos-recibido-amenazas-lamenta-alcaldesa_1_1116160.html Cuba recibió menos de un millón de turistas entre enero y junio https://www.14ymedio.com/cuba/cuba-recibio-millon-turistas-enero_1_1116146.html Las autoridades cubanas detienen al presunto autor de un feminicidio en Holguín https://www.14ymedio.com/cuba/autoridades-cubanas-detienen-presunto-autor_1_1116161.html Los comisarios culturales del régimen se han apoderado de la Escuela Internacional de Cine y TV https://www.14ymedio.com/cuba/comisarios-culturales-regimen-han-apoderado_1_1116149.html De escaramuza en escaramuza, el castrismo ha probado su fracaso https://www.14ymedio.com/opinion/escaramuza-castrismo-probado-fracaso_1_1116042.html Los estrategas del régimen cubano preparan la sucesión de Díaz-Canel https://www.14ymedio.com/blogs/cajon-de-sastre/estrategas-regimen-cubano-preparan-sucesion_132_1116152.html Convocatoria para los Premios Rey de España de Periodismo 2026 de EFE y AECID https://www.14ymedio.com/cartelera/convocatoria-premios-rey-espana-periodismo_1_1116132.html

Buenos días, soy Yoani Sánchez y en el "cafecito informativo" de este lunes 21 de julio de 2025 tocaré estos temas: - Cuando falta el agua, la vida se deteriora y la salud mental peligra - Las ciudades y sus símbolos, cuando los íconos se destruyen - El nuevo capricho: eliminar el límite de 60 años para ser Presidente en Cuba - Tertulia ‘El Caimán ante el Espejo' Gracias por compartir este "cafecito informativo" y te espero para el programa de mañana. Puedes conocer más detalles de estas noticias en el diario https://www.14ymedio.com Los enlaces de hoy, para abrirlos desde la Isla se debe usar un proxy o un VPN para evadir la censura: El grupo español Alto Cedro registra pérdidas por sus actividades en Cuba https://www.14ymedio.com/cuba/grupo-espanol-alto-cedro-registra_1_1116114.html Punta Brava, donde murió Maceo, es ahora "el pueblecito más ripiado" de Cuba https://www.14ymedio.com/cuba/punta-brava-murio-maceo-ahora_1_1116116.html ​​ El pan llega a algunos barrios de La Habana acompañado de versículos bíblicos https://www.14ymedio.com/cuba/pan-llega-barrios-habana-acompanado_1_1116094.html Arrestan por abuso infantil a la madre y el padrastro del niño que falleció en Matanzas https://www.14ymedio.com/cuba/nino-anos-muere-matanzas-madre_1_1116103.html Díaz-Canel reconoce que la dolarización en Cuba incrementó "la desigualdad social" https://www.14ymedio.com/cuba/diaz-canel-reconoce-dolarizacion-cuba_1_1116083.html Cojímar, campo de ruinas ilustres https://www.14ymedio.com/cuba/cojimar-campo-ruinas-ilustres_1_1116085.html El reglamento del Clásico Mundial desmiente al oficialismo sobre la exigencia de pasaporte a peloteros cubanos https://www.14ymedio.com/deportes/reglamento-clasico-mundial-desmiente-oficialismo_1_1116115.html Una decena de mujeres bloquean una calle en Regla tras cuatro meses sin agua https://www.14ymedio.com/cuba/decena-mujeres-bloquean-calle-regla_1_1116098.html El Parlamento cubano elimina el límite de los 60 años para ser presidente de la República https://www.14ymedio.com/cuba/regimen-cubano-elimina-requisito-60_1_1116074.html Convocatoria para los Premios Rey de España de Periodismo 2026 de EFE y AECID https://www.14ymedio.com/cartelera/convocatoria-premios-rey-espana-periodismo_1_1116132.html Tertulia ‘El Caimán ante el Espejo' con el invitado Joaquín Gálvez https://www.14ymedio.com/cartelera/tertulia-caiman-espejo-invitado-joaquin_1_1116110.html

5. nedeľa po Svätej Trojici Ste spasení milosťou skrze vieru. A to nie je z vás, je to Boží dar. Efežanom 2,8 20.

“Por esta razón me arrodillo delante del Padre, de quien recibe nombre toda familia en el cielo y en la tierra” (Efe. 3:14-15, NVI)Una gran familia ~ Devocional de Jóvenes ~ 1 de julio 2025 ~ AD7Devocional----------------------------Code: EN0YPEFT2HHTBY4FBUSCA en Facebook el texto de la matutina:http://www.facebook.com/AD7Devocional/SIGUE en Instagram el post de la matutina y el versículo diario:http://www.instagram.com/AD7Devocional/VISITA nuestra pagina de internet:http://www.ad7devocional.comSUSCRIBE a YouTube, comparte y ve nuestros videos:http://www.youtube.com/AD7DevocionalESCUCHA a traves de Spotify:https://open.spotify.com/show/4VfzQUU2omzsrqITRsL6AhAutor: Jorge L. Rodriguez (Rodriguez, Jorge L.)Titulo: Hoy es Tendencia - Seguir a Jesús nunca pasa de moda(Lecturas devocionales para jóvenes) (Spanish Edition). IADPA. Matutina Para JóvenesDevoción Matutina Para JóvenesGracias a Ti por escucharnos, un abrazo AD7… Hasta la próxima!

Esta expresión de alabanza y gloria a Dios del apóstol Pablo es el clímax delos capítulos 1 al 3 y el enfoque que tiene, es declarar que Dios es capaz dehacer más de lo que pedimos o pensamos de acuerdo a Su poder que actúaen nosotros (Efe. 1:19).

2. nedeľa po Svätej Trojici Poďte ku Mne všetci, ktorí sa namáhate a ste preťažení; Ja vám dám odpočinúť. Matúš 11,28 Efežanom 2,(11-16)17-22

====================================================SUSCRIBETEhttps://www.youtube.com/channel/UCNpffyr-7_zP1x1lS89ByaQ?sub_confirmation=1====================================================DEVOCIÓN MATUTINA PARA ADULTOS 2025“CON JESÚS HOY”Narrado por: Exyomara AvilaDesde: Bogotá, ColombiaUna cortesía de DR'Ministries y Canaan Seventh-Day Adventist Church ===================|| www.drministries.org ||===================26 de JunioDerribando muros«Y le era necesario pasar por Samaria» (Juan 4: 4).Como Samaria estaba entre Judea y Galilea, a Jesús le era necesario pasar por Samaria si quería seguir el camino más corto. Pero eso no era lo que hacían sus contemporáneos judíos, que preferían bordear Samaria antes que cruzar sus fronteras. Eso significa que nada le obligaba a pasar por Samaria, pero quería hacerlo, derribando así el muro de prejuicios que separaba a ambos pueblos.Nuestro mundo está lleno de fronteras, barreras y muros de separación. Recuerdo la euforia con la que millones de europeos celebramos la caída del muro de Berlín aquel histórico 9 de noviembre de 1989. De sus ruinas todavía conservo un pedazo, recogido allí mismo poco después. Un muro que había separado durante decenios de guerra fría la Alemania Oriental de la llamada «Alemania libre».La caída de ese muro supuso para muchos el cambio del curso de su historia. Marcó el final de un orden mundial basado en el contrapeso de dos bloques político-económicos antagónicos, separados por un «telón de acero», y dio paso al complejo «equilibrio» (o desequilibrio) de poderes en el que vivimos desde entonces. Porque los grandes problemas del mundo no quedaron resueltos con la mera caída del muro.Con el mismo fin de defender intereses, de aislar y separar, muchos otros muros han sido erigidos en nuestro complejo mundo, desde la antigua Gran Muralla China, hasta el reciente muro que Israel sigue construyendo para delimitar los territorios palestinos, o los que otras potencias justifican para defenderse de presuntas invasiones frente a los millones de emigrantes, expatriados, refugiados o exiliados de nuestros tiempos.Derribado el Muro de Berlín, surgieron otros. Y siguen reforzándose muros, fronteras y barreras de todo tipo: de amenazas, de injusticias, de intereses, de prejuicios, de pobreza, de racismo, de miedo, de silencio.Jesús no se sintió encerrado por los muros de prejuicios de su entorno. Al cruzar la frontera de Samaria empezó a extender el reino de Dios fuera de los territorios de Israel y a reclutar para su proyecto a colaboradores no judíos, empezando por una mujer: la primera persona misionera cristiana de la historia (Juan 4: 28-42).Su gran proyecto para la humanidad incluye la importante tarea de unir a todos los pueblos, «derribando la pared intermedia de separación» (Efe. 2: 14) con la que los seres humanos nos aislamos por nacionalidades, lenguas, etnias, géneros y un largo etcétera.Señor, derriba en mi propia mente y corazón cualquier muro que me separe de ti o de mis semejantes. 

Hablando entre vosotros con salmos, con himnos y cánticos espirituales, cantando y alabando al Señor en vuestros corazones” (Efe. 5:19)¿El poder de la música? ~ Devocional de Jóvenes ~ 24 de junio 2025 ~ AD7Devocional----------------------------Code: RDBK2GT6UVJNYXLCBUSCA en Facebook el texto de la matutina:http://www.facebook.com/AD7Devocional/SIGUE en Instagram el post de la matutina y el versículo diario:http://www.instagram.com/AD7Devocional/VISITA nuestra pagina de internet:http://www.ad7devocional.comSUSCRIBE a YouTube, comparte y ve nuestros videos:http://www.youtube.com/AD7DevocionalESCUCHA a traves de Spotify:https://open.spotify.com/show/4VfzQUU2omzsrqITRsL6AhAutor: Jorge L. Rodriguez (Rodriguez, Jorge L.)Titulo: Hoy es Tendencia - Seguir a Jesús nunca pasa de moda(Lecturas devocionales para jóvenes) (Spanish Edition). IADPA. Matutina Para JóvenesDevoción Matutina Para JóvenesGracias a Ti por escucharnos, un abrazo AD7… Hasta la próxima!

En este episodio charlo con Alejandro Martínez Fuster, socio fundador de Efe&Ene, un Multifamily Office que asesora en inversiones financieras, empresariales e inmobiliarias con más de 20 años de trayectoria. Además, han lanzado un fondo de inversión asesorado ATMOS Global FI.Alejandro comparte su recorrido inversor desde sus inicios en la universidad hasta la creación de su propia empresa y su posterior desarrollo. Repasamos las grandes crisis que ha vivido como inversor, extrayendo valiosos aprendizajes de cada una. Hablamos de su filosofía de inversión, la importancia de la metodología para controlar las emociones, la gestión de carteras y el rol del apalancamiento, así como la estructura de su cartera de inversiones. Finalmente, hablamos de las claves para construir un patrimonio familiar a largo plazo.- Descubre MyPortfolio, la nueva herramienta de gestión de carteras de Rankia: http://myportfolio.rankia.com- Si estás buscando hipoteca o cambiar la que tienes, en Rankia Hipotecas te asesoramos de forma gratuita: TEMAS00:57 El flechazo con los mercados financieros 03:36 Primera experiencia profesional en AB Asesores 5:28 Las primeras crisis: la burbuja puntocom y el 11S 12:35 Aprendizajes en AB Asesores y Morgan Stanley 15:34 ¿Por qué en España cuesta pagar por asesoramiento financiero? 24:45 La decisión de emprender con Efe&Ene 27:09 ¿Cómo construir una cartera de clientes desde cero? 39:54 Ciclos económicos y espirales58:02 Steve Peters y cómo gestionar las emociones y el pánico en los mercados 01:11:00 La pandemia y el lanzamiento del fondo Atmos Global 01:14:20 El dólar y China01:22:00 Endeudarse e inflación 01:40:00 Cartera personal01:49:39 Las claves para construir un patrimonio familiar a largo plazo 02:13:40 Lecturas recomendadasEnlace a todos los contenidos comentados en mi blog en Rankia:https://www.rankia.com/blog/such/6871954-103-como-construir-patrimonio-alejandro-martinez-fuster

Efe. 1:9-10 “Ahora Dios nos ha dado a conocer el misterio de su voluntad respecto aCristo, la cual es llevar a cabo su propio buen plan. 10 Y el plan es el siguiente: a sudebido tiempo, Dios reunirá todas las cosas y las pondrá bajo la autoridad de Cristo,todas las cosas que están en el cielo y también las que están en la tierra.” (NTV

“Porque no estamos luchando contra poderes humanos, sino contra malignas fuerzas espirituales del cielo, las cuales tienen mando, autoridad y dominio sobre el mundo de tinieblas que nos rodea” (Efe. 6:12)El verdadero enemigo ~ Devocional de Jóvenes ~ 29 de mayo 2025 ~ AD7Devocional----------------------------Code: RDQGTSPPHYZRRJVDBUSCA en Facebook el texto de la matutina:http://www.facebook.com/AD7Devocional/SIGUE en Instagram el post de la matutina y el versículo diario:http://www.instagram.com/AD7Devocional/VISITA nuestra pagina de internet:http://www.ad7devocional.comSUSCRIBE a YouTube, comparte y ve nuestros videos:http://www.youtube.com/AD7DevocionalESCUCHA a traves de Spotify:https://open.spotify.com/show/4VfzQUU2omzsrqITRsL6AhAutor: Jorge L. Rodriguez (Rodriguez, Jorge L.)Titulo: Hoy es Tendencia - Seguir a Jesús nunca pasa de moda(Lecturas devocionales para jóvenes) (Spanish Edition). IADPA. Matutina Para JóvenesDevoción Matutina Para JóvenesGracias a Ti por escucharnos, un abrazo AD7… Hasta la próxima!

“Por último, fortalézcanse con el gran poder del Señor” (Efe. 6:10, NVI)Poder ilimitado ~ Devocional de Jóvenes ~ 28 de mayo 2025 ~ AD7Devocional----------------------------Code: MYJL9SW0C0ZAOKI2BUSCA en Facebook el texto de la matutina:http://www.facebook.com/AD7Devocional/SIGUE en Instagram el post de la matutina y el versículo diario:http://www.instagram.com/AD7Devocional/VISITA nuestra pagina de internet:http://www.ad7devocional.comSUSCRIBE a YouTube, comparte y ve nuestros videos:http://www.youtube.com/AD7DevocionalESCUCHA a traves de Spotify:https://open.spotify.com/show/4VfzQUU2omzsrqITRsL6AhAutor: Jorge L. Rodriguez (Rodriguez, Jorge L.)Titulo: Hoy es Tendencia - Seguir a Jesús nunca pasa de moda(Lecturas devocionales para jóvenes) (Spanish Edition). IADPA. Matutina Para JóvenesDevoción Matutina Para JóvenesGracias a Ti por escucharnos, un abrazo AD7… Hasta la próxima!

La vez pasada hablamos de como Dios a través de Cristo nos ha hecho unsolo cuerpo con los judíos (Efe. 2:14-16). Cristo quitó la pared de separaciónentre Dios y nosotros; y entre ellos y nosotros, derribando la hostilidad; yalgo más que vimos en nuestro estudio de Efesios y en la celebración de lasemana pasada es que Cristo en Su vida, ministerio, muerte y resurrecciónproclamó y se volvió las buenas nuevas de paz para todos.

“Si se enojan, no pequen; que el enojo no les dure todo el día” (Efe. 4:26)El enojo de las aves ~ Devocional de Jóvenes ~ 11 de abril 2025 ~ AD7Devocional----------------------------Code: GS5SKWZZYB1C4NA0BUSCA en Facebook el texto de la matutina:http://www.facebook.com/AD7Devocional/SIGUE en Instagram el post de la matutina y el versículo diario:http://www.instagram.com/AD7Devocional/VISITA nuestra pagina de internet:http://www.ad7devocional.comSUSCRIBE a YouTube, comparte y ve nuestros videos:http://www.youtube.com/AD7DevocionalESCUCHA a traves de Spotify:https://open.spotify.com/show/4VfzQUU2omzsrqITRsL6AhAutor: Jorge L. Rodriguez (Rodriguez, Jorge L.)Titulo: Hoy es Tendencia - Seguir a Jesús nunca pasa de moda(Lecturas devocionales para jóvenes) (Spanish Edition). IADPA. Matutina Para JóvenesDevoción Matutina Para JóvenesGracias a Ti por escucharnos, un abrazo AD7… Hasta la próxima!

“Aprovechando bien el tiempo, porque los días son malos” (Efe. 5:16)Redimiendo el tiempo ~ Devocional de Jóvenes ~ 8 de abril 2025 ~ AD7Devocional----------------------------Code: XVCYBNMI8D2JQBHEBUSCA en Facebook el texto de la matutina:http://www.facebook.com/AD7Devocional/SIGUE en Instagram el post de la matutina y el versículo diario:http://www.instagram.com/AD7Devocional/VISITA nuestra pagina de internet:http://www.ad7devocional.comSUSCRIBE a YouTube, comparte y ve nuestros videos:http://www.youtube.com/AD7DevocionalESCUCHA a traves de Spotify:https://open.spotify.com/show/4VfzQUU2omzsrqITRsL6AhAutor: Jorge L. Rodriguez (Rodriguez, Jorge L.)Titulo: Hoy es Tendencia - Seguir a Jesús nunca pasa de moda(Lecturas devocionales para jóvenes) (Spanish Edition). IADPA. Matutina Para JóvenesDevoción Matutina Para JóvenesGracias a Ti por escucharnos, un abrazo AD7… Hasta la próxima!

Les Turcs descendent dans la rue pour le 6è jour consécutif, et la répression s'est accentuée lundi matin, après l'incarcération hier (23 mars 2025) du maire d'Istanbul Ekrem Imamoglu. Turquie :Lundi matin (24 mars 2025), au moins huit journalistes ont été arrêtés. Le maire d'Istanbul Ekrem Imamoglu a passé sa première nuit en prison. Le principal opposant à Recep Tayyip Erdogan avait été démis de ses fonctions dans la foulée de son incarcération pour corruption hier. Devant la mairie d'Istanbul dimanche soir, l'appel au rassemblement a été massivement suivi. Pour l'opposition, l'enjeu est de maintenir la pression sur le président Erdoğan - avec un mot d'ordre : «korkma»,  «n'aie pas peur»...  C'est ce que Güney Efe, étudiant de 21 ans, avait écrit sur sa pancarte...  un témoignage recueilli par Anne Andlauer. Quel impact la situation intérieure peut-elle avoir sur les relations avec l'Union européenne, dans le contexte de la guerre en Ukraine notamment ? Sur cette question, parmi d'autres, l'analyse de Dorothée Schmid, directrice du programme Turquie - Moyen-Orient à l'Institut Français des Relations Internationales.   Guerre en Ukraine :La semaine dernière, l'Ukraine et la Russie ont échangé chacune 175 prisonniers de guerre. Certains soldats ukrainiens retrouvaient la liberté après plus de deux ans de prison. Le sort de ces détenus qui se comptent par milliers fait d'ailleurs partie d'un volet à part entière dans la proposition de cessez-le feu de Volodymyr Zelensky.Taras, 39 ans a été libéré à la faveur d'un de ces échanges en juin 2024. Cet ancien soldat ukrainien a passé 20 mois en Russie dans différentes prisons. Il a confié son récit à Cerise Sudry-Le Dû.    Environnement :Comme le changement climatique, la pollution au plastique est une crise planétaire. D'après certains scientifiques d'ici à 2050 la quantité de plastiques présents dans les océans sera supérieure à celle des poissons. La France accueillera en juin prochain à Nice la troisième Conférence des Nations unies sur l'Océan. Et un peu partout dans le pays, la société se mobilise. En Bretagne, à Brest, le fond Oceanopolis Acts organise chaque année une collecte de déchets pour sensibiliser les habitants. La  prochaine a lieu samedi 29 mars, Olivier Favier a rencontré ses organisateurs.Le plastique génère aussi les microplastiques, ces particules présentes partout : dans l'eau que nous buvons, dans notre nourriture, dans les cosmétiques...  À Bruxelles, une première législation sur le sujet est entrée en vigueur en 2023, mais les discussions ont repris pour tenter de faire adopter un nouveau texte, plus contraignant. Elena Louazon.

Lo que el Espíritu Santo nos esta diciendo aquí a través del apóstol Pabloes que la salvación viene por la gracia de Dios a través de la fe y que todoesto es un regalo de Dios; no vino de nosotros mismos porque como lo dijoantes (Efe. 2:5) nosotros estábamos muertos en nuestros delitos y pecados yno teníamos ninguna forma de salvarnos por nosotros mismos.

Ciudad del Vaticano, 12 mar (EFE).- Francisco cumple 12 años de pontificado, desde aquel 13 de marzo de 2013, cuando se presentó al mundo en el balcón de la logia central de la basílica de San Pedro, y lo hace en el hospital, donde se recupera de graves problemas respiratorios, mientras el mundo piensa inevitablemente en el futuro de la Iglesia. IMÁGENES: DANIEL CÁCERES. LOCUCIÓN: CLAUDIA SACRISTÁN.PARA VERLO, pincha aquí: https://youtu.be/q3vGIKl6tS8?si=q9MMhBTNjEGkJ9WF

====================================================SUSCRIBETEhttps://www.youtube.com/channel/UCNpffyr-7_zP1x1lS89ByaQ?sub_confirmation=1==================================================== LECCIÓN DE ESCUELA SABÁTICA         I TRIMESTRE DEL 2025Narrado por: Miguel PáezDesde: Bogotá, ColombiaUna cortesía de DR'Ministries y Canaan Seventh-Day Adventist ChurchDOMINGO 09 DE MARZOCRISTO, EL VENCEDOR Aunque hay un enemigo en acción al que el propio Cristo se refiere como el usurpador “príncipe de este mundo”, el verdadero Rey del universo es Jesucristo. Jesús vence por nosotros, y en él podemos obtener la victoria incluso en medio de las dificultades y el sufrimiento. De hecho, la obra de Cristo contrarresta al Enemigo en todo momento. Hemos visto que las Escrituras describen al Diablo como: (1) El engañador del mundo entero desde el principio (Apoc. 12:9; Mat. 4:3; Juan 8:44; 2 Cor. 11:3; 1 Juan 3:8). (2) El calumniador y acusador de Dios y de su pueblo en el Cielo (Apoc. 12:10; 13:6; Job 1-2; Zac. 3:1, 2; Jud. 9). (3) El gobernante usurpador de este mundo (Juan 12:31; 14:30; 16:11; Hech. 26:18; 2 Cor. 4:4; Efe. 2:2; 1 Juan 5:19). Lee Juan 18:37. ¿Qué nos dice este texto acerca de la obra de Cristo para contrarrestar los engaños del Enemigo? ¿Qué significa el hecho de que Jesús es Rey? Aunque las Escrituras enseñan que Satanás es el archiengañador, calumniador, acusador y usurpador gobernante de este mundo, también enseñan que Jesús venció a Satanás en todos los sentidos. (1) Jesús vino al mundo “para dar testimonio de la verdad” (Juan 18:37). (2) Por medio de la Cruz, Jesús demostró de manera suprema la justicia y el amor perfectos de Dios (Rom. 3:25, 26; 5:8), refutando así las calumnias del Diablo (Apoc. 12:10, 11). (3) Jesús finalmente destruirá el reino del Diablo, quien sabe que le queda poco tiempo (Apoc. 12:12; compara con Rom. 16:20), y “reinará para siempre jamás” (Apoc. 11:15). En última instancia e independientemente de lo que haga, Satanás ya es un enemigo derrotado. En vista de ello, la clave para nosotros consiste en reclamar cada día, momento a momento, la victoria lograda por Cristo en nuestro favor y las promesas que la Cruz nos ha ofrecido. Sabemos qué bando resultará victorioso en el Gran Conflicto. ¿Cómo determinan nuestras decisiones cotidianas el bando en que estamos? ¿Cómo podemos asegurarnos de estar del lado vencedor incluso ahora? 

Los aranceles a México y Canadá por el aluminio y el acero serán del 50 %, dice la Casa Blanca, según la agencia EFE

Is one of your New Year's resolutions to finally hire a financial advisor this year but unsure of where to start? We hear you. That's why we're bringing back this special mailbag episode with Pam Krueger, founder and CEO of WealthRamp, to tackle all your burning questions about financial advisors. From finding a fiduciary you can trust to navigating minimum asset requirements, we've got you covered. CHAPTERS: 02:00 Key questions to ask a financial advisor 07:00 Advisors and tax professionals: building a team 14:00 How often should you meet with your financial advisor? 22:00 Advisors who specialize in FIRE Additional Resources: Check out WealthRamp to get matched with a vetted fiduciary advisor. Explore the XY Planning Network for advisors who work with younger clients. Learn about the Association of African American Financial Advisors here. Learn more about our Finance Fixx program here. Use code PODCAST for a $100 discount. Interested in learning more about investing alongside hundreds of other women? Join us every other Monday night on Zoom at investingfixx.com. Have a question for us? Write to us at mailbag@hermoney.com. While you're at it, join the HerMoney community! For the latest episode drops and financial news-you-can-use, subscribe to our newsletter at Hermoney.com/subscribe! The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact advertising@airwavemedia.com if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

Today we're diving headfirst into a question that has sparked both inspiration and existential angst for centuries: Finding your purpose. It's a daunting idea, isn't it? Purpose can feel abstract, elusive, and ever-shifting — something we're constantly chasing but rarely confident we've fully grasped.  Dr. Jordan Grumet, author of The Purpose Code: How to Unlock Meaning, Maximize Happiness, and Leave a Lasting Legacy has answers — and thankfully they're not as complicated as you might think.  CHAPTERS: 00:00 The evolving nature of purpose  04:00 The difference between meaning and purpose 07:00 Little p and Big P Purpose   22:00 Finding purpose using the magic of subtraction 33:00 Mailbag Question 1: Retirement benchmarks vs. life priorities 41:00 Mailbag Question 2: Rebalancing portfolios near retirement  TAKEAWAYS: Purpose is created through meaningful actions. Rather than chasing lofty, big-picture goals, you should engage in daily activities that bring joy and fulfillment.  Leverage all available tools—time, energy, community, and passions—to build a life filled with meaning. Have a question for us? Write to us at mailbag@hermoney.com. While you're at it, join the HerMoney community! For the latest episode drops and financial news-you-can-use, subscribe to our newsletter at Hermoney.com/subscribe! The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact advertising@airwavemedia.com if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

Today we're bringing back our episode with Melissa Bernstein, co-founder of the renowned toy company Melissa & Doug, to discuss the critical importance of mental health. Melissa opens up about her decades-long battle with anxiety, depression, and existential despair, sharing how she learned to channel her struggles into light and creativity. We explore why so many women feel isolated, the power of self-acceptance, and how to build authentic relationships. Learn more about our Finance Fixx program here. Use code PODCAST for a $100 discount. Interested in learning more about investing alongside hundreds of other women? Join us every other Monday night on Zoom at investingfixx.com. Have a question for us? Write to us at mailbag@hermoney.com. While you're at it, join the HerMoney community! For the latest episode drops and financial news-you-can-use, subscribe to our newsletter at Hermoney.com/subscribe! The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact advertising@airwavemedia.com if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

This holiday season has been….stressful. And if it feels like you're feeling more holiday stress this year than your male partner, you probably are. A 2023 poll from Yahoo News and YouGov found that 43% of women said their level of stress and anxiety increases during the holidays (compared to 32% of men).  Resiliency and stress expert Dr. Robyne Hanley-Dafoe shares her top tips for entering the New Year with less stress. Because when we're less stressed we have more space to manage our needs (including our financial needs), and we can start planning for the future.  CHAPTERS: 00:00 Why the holidays are so stressful 06:31 Redefining resiliency  9:01 The five pillars of resilience 20:31 A prescription for stress recovery 33:46 Mailbag Question 1: What is a safe harbor account?  36:01 Mailbag Question 2: I'm 60 years old. Should I convert my traditional IRA into a Roth IRA?  TAKEAWAYS: Resilience is often misunderstood. It's not just about being born with it but building it through lived experiences and relationships.  Stress itself isn't the enemy. It's the overexposure to stress (distress) that harms us. Research suggests that swearing (when not directed at others) can improve pain tolerance. Learn more about our Finance Fixx program here. Use code PODCAST for a $100 discount. Interested in learning more about investing alongside hundreds of other women? Join us every other Monday night on Zoom at investingfixx.com. Have a question for us? Write to us at mailbag@hermoney.com. While you're at it, join the HerMoney community! For the latest episode drops and financial news-you-can-use, subscribe to our newsletter at Hermoney.com/subscribe! Use promo code HERMONEY at the link below to get an exclusive 60% off an annual plan at https://incogni.com/hermoney. The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact advertising@airwavemedia.com if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

Did you know we're spending over 11% of our disposable income on food—the highest amount since 1991? It's time to take control of our grocery bills and find joy in the kitchen. That's why we're revisiting one of our favorite episodes with New York Times food columnist Melissa Clark, author of Dinner in One, and over 40 other cookbooks. Melissa shares her genius tips for cutting down on time and effort in the kitchen while maximizing flavor. From one-pan wonders to her philosophy of simplifying recipes (and minimizing cleanup), she makes cooking accessible—even for those who think they're too “lazy” to cook. Plus, Melissa talks about her must-have pantry staples, freezer essentials, and why she no longer keeps potatoes on hand. Learn more about our Finance Fixx program here. Use code PODCAST for a $100 discount. Interested in learning more about investing alongside hundreds of other women? Join us every other Monday night on Zoom at investingfixx.com. Have a question for us? Write to us at mailbag@hermoney.com. While you're at it, join the HerMoney community! For the latest episode drops and financial news-you-can-use, subscribe to our newsletter at Hermoney.com/subscribe! Use promo code HERMONEY at the link below to get an exclusive 60% off an annual plan at https://incogni.com/hermoney. The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact advertising@airwavemedia.com if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

As 2024 comes to a close, it's time to take control of your money and set yourself up for an even better 2025. How to do it? We've got nine actionable steps from HerMoney CEO Jean Chatzky. From rebalancing your investment portfolio after a booming stock market year, to making sure your cash is earning its keep in high-yield savings accounts, we share how to optimize your money.  Takeaways: Gains in tech stocks may have caused your asset allocation to shift, increasing risk. Rebalancing protects you if the market dips. Shop for high-yield savings accounts, CDs, or annuities with rates around 4-5% before rates drop further. Offset capital gains by selling underperforming investments. Learn more about our Finance Fixx program here. Use code PODCAST for a $100 discount. Interested in learning more about investing alongside hundreds of other women? Join us every other Monday night on Zoom at investingfixx.com. Have a question for us? Write to us at mailbag@hermoney.com. While you're at it, join the HerMoney community! For the latest episode drops and financial news-you-can-use, subscribe to our newsletter at Hermoney.com/subscribe! Use promo code HERMONEY at the link below to get an exclusive 60% off an annual plan at https://incogni.com/hermoney. The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact advertising@airwavemedia.com if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

It's a record-breaking year for holiday travel with AAA reporting that almost 120 million people will travel 50 miles or more to spend this holiday season with the people they love. If you're one of those people traveling to spend to holidays with your parents or your partner's parents, may we suggest doing a little Swedish death cleaning while you're there?  No, it's not as morbid as it sounds (and, if done right, it shouldn't put a damper on your holiday spirit). Psychologist and Swedish death cleaning expert, Katarina Blom shares why Swedish death cleaning is a life-affirming experience and practical tips for getting started. CHAPTERS: 00:00 Holiday decluttering 06:00 Swedish death cleaning defined 9:00 How to start Swedish death cleaning 18:00 Setting a purpose for your home 30:01 Mailbag Question 1: I have multiple properties, which one should I pay off before I retire?   37:01 Mailbag Question 2: What are the implications of closing a credit card that my parents opened before I was 18?  TAKEAWAYS: Swedish death cleaning is life-affirming and helps create space for what truly matters. Acknowledging our mortality can lead to a more fulfilling life. Consumerism often serves as an avoidance strategy for dealing with pain. Having open conversations about death can help relieve anxiety about the future. Finding purpose in your home is essential for a peaceful living environment. Learn more about our Finance Fixx program here. Use code PODCAST for a $100 discount. Interested in learning more about investing alongside hundreds of other women? Join us every other Monday night on Zoom at investingfixx.com. Have a question for us? Write to us at mailbag@hermoney.com. While you're at it, join the HerMoney community! For the latest episode drops and financial news-you-can-use, subscribe to our newsletter at Hermoney.com/subscribe! Use promo code HERMONEY at the link below to get an exclusive 60% off an annual plan at https://incogni.com/hermoney. The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact advertising@airwavemedia.com if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

The holidays are the perfect time to show gratitude to the people who make our lives easier, from housekeepers and hairstylists to restaurant servers and babysitters. But figuring out how much to tip — and how to fit it into our budgets — can feel overwhelming, especially with inflation making everything more expensive than it used to be.  We're bringing back this episode with Barbara Sloan, founder of Tipped Finance and author of Tipped: The Life-Changing Guide to Financial Freedom for Service Industry Professionals to discuss holiday tipping etiquette, budgeting strategies, and why tipping should feel good, not guilt-driven. Chapters: 00:00 Showing gratitude during the holidays  09:00 Common tipping questions and answers 16:00 The ethics of tipping 20:00 Financial advice for service workers  Takeaways: Many tipping norms, such as $2-5 per night for hotel housekeeping, haven't changed in decades. Tipping should feel good and be reserved for personalized services where workers directly enhance the experience. If finances are tight, reduce the number of luxury services you use rather than tipping less. Learn more about our Finance Fixx program here. Use code PODCAST for a $100 discount. Interested in learning more about investing alongside hundreds of other women? Join us every other Monday night on Zoom at investingfixx.com. Have a question for us? Write to us at mailbag@hermoney.com. While you're at it, join the HerMoney community! For the latest episode drops and financial news-you-can-use, subscribe to our newsletter at Hermoney.com/subscribe! Use promo code HERMONEY at the link below to get an exclusive 60% off an annual plan at https://incogni.com/hermoney. The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact advertising@airwavemedia.com if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

Many of us spend decades saving for retirement. But what happens when it's time to spend those hard-earned dollars…how do you make them last?  On the most recent episode of Your Money Map, our bi-weekly show with the Alliance for Lifetime Income, we talk about all things decumulation with the pros — Christine Benz, Director of Personal Finance and Retirement Planning for Morningstar, and David Blanchett, Research Fellow with the Alliance for Lifetime Income Institute. If you like this episode and want more, check out all of our Your Money Map episodes at protectedincome.org/your-money-map/ or tune in live every other Wednesday at 12 PM ET on Facebook or LinkedIn. CHAPTERS: 00:00 Retirement worries 05:00 Why spending down our money in retirement can be so stressful 16:00 Redefining retirement as financial independence 25:00 Spending for maximum happiness TAKEAWAYS: Start by identifying your essential expenses and aligning them with guaranteed income like Social Security or annuities to cover the basics. Lifelong savers often struggle to spend their hard-earned money. To overcome this mindset, consider using strategies like “spending pots” for travel or hobbies, which allow you to enjoy your savings guilt-free. Adding guaranteed income (like annuities) to your retirement plan can provide peace of mind and allow you to spend more freely, knowing your essential needs are covered. Learn more about our Finance Fixx program here. Use code PODCAST for a $100 discount. Interested in learning more about investing alongside hundreds of other women? Join us every other Monday night on Zoom at investingfixx.com. Have a question for us? Write to us at mailbag@hermoney.com. While you're at it, join the HerMoney community! For the latest episode drops and financial news-you-can-use, subscribe to our newsletter at Hermoney.com/subscribe! Use promo code HERMONEY at the link below to get an exclusive 60% off an annual plan at https://incogni.com/hermoney. The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact advertising@airwavemedia.com if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

The charitable giving landscape in 2024 is a tricky one. Because the truth is, Americans have become less generous in the last few years. Vox has gone so far as to say we're in the middle of a “generosity crisis,” and fewer than half of us now give to charity on an annual basis. So, how can we make sure our favorite nonprofits continue to thrive? And how can we know what type of donations and philanthropic efforts will have the most impact? Nancy Brown, CEO of the American Heart Association shares her top tips for smart charitable giving in 2024. CHAPTERS: 00:00 Charitable Giving Landscape in 2024 04:30 Women's Heart Health 16:30 The Power of Small Donations and Volunteering 31:00 Mailbag Question 1: I have multiple HSAs, should I consolidate them now?  35:00 Mailbag Question 2: I have a variable annuity, how do I evaluate if it's the best place to keep my money?  TAKEAWAYS: Donor-advised funds (DAFs) are accounts that allow charitable contributions to grow tax-free, amplifying their impact over time. Automating your monthly giving offers nonprofits much-needed financial stability. Giving appreciated securities can save donors from paying capital gains tax while offering nonprofits the full value of the assets.  Learn more about our Finance Fixx program here. Use code PODCAST for a $100 discount. Interested in learning more about investing alongside hundreds of other women? Join us every other Monday night on Zoom at investingfixx.com. Have a question for us? Write to us at mailbag@hermoney.com. While you're at it, join the HerMoney community! For the latest episode drops and financial news-you-can-use, subscribe to our newsletter at Hermoney.com/subscribe! Use promo code HERMONEY at the link below to get an exclusive 60% off an annual plan at https://incogni.com/hermoney. The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact advertising@airwavemedia.com if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this inspiring throwback episode, we sit down with Kyle Taylor, founder of The Penny Hoarder, a personal finance blog turned multi-million-dollar media company. Kyle shares his journey from being $50,000 in debt to building a business he eventually sold for $100 million.  We discuss how to identify and monetize side hustles, maintain financial accountability, and avoid burnout while growing a business. You may even come away ready to launch a business of your own! Takeaways: Creative side gigs can help you earn extra cash, including working as a beer auditor or a movie preview evaluator. "Financial Sunday" is a weekly check-in with your budget to help you stay on track and manage spending. Creating a financially transparent household can help your children understand that good financial habits require consistent effort. Learn more about our Finance Fixx program here. Use code PODCAST for a $100 discount. Interested in learning more about investing alongside hundreds of other women? Join us every other Monday night on Zoom at investingfixx.com. Have a question for us? Write to us at mailbag@hermoney.com. While you're at it, join the HerMoney community! For the latest episode drops and financial news-you-can-use, subscribe to our newsletter at Hermoney.com/subscribe! Use promo code HERMONEY at the link below to get an exclusive 60% off an annual plan at https://incogni.com/hermoney. The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact advertising@airwavemedia.com if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

We are almost at the end of 2024, and many of us are looking to the New Year as a chance for a much-needed fresh start. Now is a great time to reflect on the past 12 months and set some big goals — financial and otherwise! — for the year to come. And if you're looking for advice on how to get a new job, you aren't alone. Erin McGoff, better known as “Advice with Erin” on TikTok shares her playbook on how to get a job in 2025. CHAPTERS:  00:00 Reflecting on 2024 and Setting Goals for 2025 07:00 How to Discuss Salary and Benefits in Job Interviews 16:00 Why Networking Trumps Resumes 20:00 When It's Ok To Tell White Lies In Interviews 35:00 Mailbag Question 1: Should I Pay Off My Zero-Interest Credit Card With a HAMP Loan? 38:00 Mailbag Question 2: I need to liquidate $15,000 from one of my mutual fund accounts, which one should I choose?  TAKEAWAYS:  Functional resumes focusing on skills rather than chronological experience can be effective, particularly for midlife career changes. Use AI as a support tool, not a substitute, and edit outputs to maintain authenticity. If salary limits are fixed, leverage non-salary benefits, like PTO or flexible schedules, and ask about these areas during negotiations. Learn more about our Finance Fixx program here. Use code PODCAST for a $100 discount. Interested in learning more about investing alongside hundreds of other women? Join us every other Monday night on Zoom at investingfixx.com. Have a question for us? Write to us at mailbag@hermoney.com. While you're at it, join the HerMoney community! For the latest episode drops and financial news-you-can-use, subscribe to our newsletter at Hermoney.com/subscribe! Use promo code HERMONEY at the link below to get an exclusive 60% off an annual plan at https://incogni.com/hermoney. The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact advertising@airwavemedia.com if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

Today we are bringing you a mailbag question about retirement benchmarks, you know the ones: You want to aim to have one times your salary by age 30, three times by age 40, six times by age 50, eight times by age 60, and 10 times by the time you retire. These benchmarks are fabulous, but they're also not personal.  Listener Tiffany joins us to ask how pensions, retiring early, and Social Security factor into these benchmarks.  Learn more about our Finance Fixx program here. Use code PODCAST for a $100 discount. Interested in learning more about investing alongside hundreds of other women? Join us every other Monday night on Zoom at investingfixx.com. Have a question for us? Write to us at mailbag@hermoney.com. While you're at it, join the HerMoney community! For the latest episode drops and financial news-you-can-use, subscribe to our newsletter at Hermoney.com/subscribe! Use promo code HERMONEY at the link below to get an exclusive 60% off an annual plan at https://incogni.com/hermoney. The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact advertising@airwavemedia.com if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

The holidays are right around the corner, which means the holiday “shopping season” is now in full swing. And while we love scoring a good bargain on just about everything, we score the best deal when we just don't buy the thing in the first place.  Shira Gill, an expert on minimalism, intentional shopping, and living your values shares how to stop ourselves from buying the thing BEFORE we buy the thing, and how to get creative with gift-giving, with heartfelt items that will mean a heck of a lot more to the recipient than something shiny and expensive.  CHAPTERS: 00:00 The allure of bargains  06:00 Minimalism and values-based decisions 13:00 Intentional gifting 26:00 Tips for a stress-free holiday season  34:00 Mailbag question 1: Retirement-Specific Book Recommendations 36:00 Mailbag question 2: Managing Credit Card Debt and Balance Transfers TAKEAWAYS: Minimalism is about clarifying what matters most and removing distractions to create time, space, and freedom. Unique, heartfelt gifts—like sharing skills, creating experiences, or consumable items—often resonate more than material possessions.  Set a mission statement for the season. Identify what your family truly values, whether it's a trip or simply quality time together and stick to it. Learn more about our Finance Fixx program here. Use code PODCAST for a $100 discount. Interested in learning more about investing alongside hundreds of other women? Join us every other Monday night on Zoom at investingfixx.com. Have a question for us? Write to us at mailbag@hermoney.com. While you're at it, join the HerMoney community! For the latest episode drops and financial news-you-can-use, subscribe to our newsletter at Hermoney.com/subscribe! Use promo code HERMONEY at the link below to get an exclusive 60% off an annual plan at https://incogni.com/hermoney. The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact advertising@airwavemedia.com if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

Are you marking your calendars for Black Friday and Cyber Monday? So are we. It looks like shoppers are expected to spend more than ever this year — around $1,700 a person according to Deloitte.  We thought it would be fun to bring our pals Jill Sirianni and Jen Smith, cohosts of the Frugal Friends podcast, and the new book: Buy What You Love Without Going Broke: Transform Your Spending and Get More of What Money Can't Buy back on the show to answer all of your shopping questions.  CHAPTERS: 00:00 Holiday Spending Trends and Impulse Control 06:14 Meaningful and Frugal Gift Ideas 10:12 Navigating Unexpected Costs and Community Support 16:02 Credit Card Use and Financial Boundaries TAKEAWAYS: Consider using last year's spending as a guide for this year's budget. Community support is crucial during unexpected financial hardships. Creative limitations can lead to better problem-solving and gift-giving. Don't rely on credit cards for holiday spending if you can't pay it off quickly. Thoughtful gifts can include experiences or personal items rather than material goods. Learn more about our Finance Fixx program here. Use code PODCAST for a $100 discount. Interested in learning more about investing alongside hundreds of other women? Join us every other Monday night on Zoom at investingfixx.com. Have a question for us? Write to us at mailbag@hermoney.com. While you're at it, join the HerMoney community! For the latest episode drops and financial news-you-can-use, subscribe to our newsletter at Hermoney.com/subscribe! The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact advertising@airwavemedia.com if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

We're so excited to reshare this episode with Leanne Brown, New York Times bestselling cookbook author of Good and Cheap: Eat Well on $4/Day ahead of Thanksgiving. We get into how it's possible to eat healthy while saving money and her favorite pantry and freezer winter recipes from everything toasts to hearty stews. Chapters: 00:00 Leanne Brown's journey 06:19 “Good Enough” cooking 14:16 Favorite recipes and pantry essentials 20:01 Navigating rising grocery store prices  Takeaways: Simplify meals by using fewer ingredients per recipe, such as canned tomatoes, beans, pasta, and hearty greens. Use leftovers creatively, such as repurposing them into “stuff on toast” or hearty salads. Reframe cooking as a personal and flexible activity rather than a chore. Learn more about our Finance Fixx program here. Use code PODCAST for a $100 discount. Interested in learning more about investing alongside hundreds of other women? Join us every other Monday night on Zoom at investingfixx.com. Have a question for us? Write to us at mailbag@hermoney.com. While you're at it, join the HerMoney community! For the latest episode drops and financial news-you-can-use, subscribe to our newsletter at Hermoney.com/subscribe! The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact advertising@airwavemedia.com if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

Thanks to modern medicine, the average life expectancy has been on the rise for decades now, and women now have as much as a 15% chance of making it to their 100th birthday. So while our parents may have planned for closer to 20 years in retirement, we need to save and invest for closer to three or even four decades. Deb Whitman, Chief Public Policy Officer at AARP and author of “The Second Fifty” joins us to talk about how to prepare financially, and otherwise, for the second half of our lives.  CHAPTERS: 00:00 What is the “second fifty”? 06:00 Why women need to financially prepare to live longer than men 13:00 Rethinking partial retirement and lifelong learning  23:00 Positive perspectives on aging 26:00 Mailbag Question 1: I'm about to inherit a significant amount of money, how should I invest it?  29:00 Mailbag Question 2: I'm 62, am I on track to retire and continue to travel the way I want to?  TAKEAWAYS: With women potentially reaching an average life expectancy of 90+ years by 2039, we need to save for a longer retirement. This requires proactive financial planning. Midlife is a time of new opportunities rather than decline.  Lifelong learning, career changes, and “encore careers” keep people engaged, purposeful, and financially prepared in midlife and beyond. Learn more about our Finance Fixx program here. Use code PODCAST for a $100 discount. Interested in learning more about investing alongside hundreds of other women? Join us every other Monday night on Zoom at investingfixx.com. Have a question for us? Write to us at mailbag@hermoney.com. While you're at it, join the HerMoney community! For the latest episode drops and financial news-you-can-use, subscribe to our newsletter at Hermoney.com/subscribe! The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact advertising@airwavemedia.com if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

It's clear there's one thing HerMoney listeners can't get enough of — retirement. There's truly an endless amount to explore with this topic because whether you're 65 or 25, we know the best time to start strategizing is NOW.  And there's one person that we turn to again and again for retirement advice, specifically when it comes to IRAs — Ed Slott. He's a CPA, a nationally recognized IRA distribution expert, and a best-selling author. This week, Ed was kind enough to join us again to tackle some questions from our community. CHAPTERS: 00:00 Understanding the complexity of IRAs 5:30 Why Roth conversions are so popular right now  9:30 Withdrawal strategies for retirement  13:30 Retirement options for small business owners 17:00 Choosing investments for your Roth IRA TAKEAWAYS: Roth conversions are up significantly this year Making Roth conversions is a smart move even in strong market years. When planning withdrawals, start with taxable accounts and wait on tax-advantaged accounts. Learn more about our Finance Fixx program here. Use code PODCAST for a $100 discount.  The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact advertising@airwavemedia.com if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

We're revisiting one of our most popular conversations with author and human performance expert Brad Stulberg, exploring what it means to achieve success without compromising your well-being or personal values.  Brad explains how shifting from a traditional "if-then" mindset to a values-driven approach can help you find fulfillment, avoid burnout, and improve your life. Whether you're aiming to make a career shift, reduce stress, or rethink your approach to investing, this conversation is packed with insights that will inspire you to find success on your own terms. Chapters: 00:00 Introduction 05:00 Shifting from Goal-Driven to Values-Driven Success 11:00 How To Identify Your Core Values 20:00 Rest vs. Action to Address Burnout Takeaways: By focusing on values rather than constant achievement, you'll find deeper satisfaction and avoid the “hedonic treadmill” of always seeking more. Identify your core values by envisioning an ideal future self, reflecting on qualities you admire in others, and reconnect with the original motives behind your goals.  Grounding success in values reduces stress and improves performance by fostering a state of "relaxed striving." Learn more about our Finance Fixx program here. Use code PODCAST for a $100 discount.  The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact advertising@airwavemedia.com if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

What does the future of remote work really look like? Recently, Amazon CEO Andy Jassy mandated that employees must return to the office 5 days a week. So did Elon Musk for employees of both Tesla and X, which made us wonder: Are our remote or hybrid roles going to go the way of the dodo sometime soon?  Nick Bloom, Stanford Professor of Economics weighs in on what the future holds for remote work, and how to get ahead in a remote or hybrid position.  CHAPTERS: 00:00 Introduction  07:00 The Future of Remote Work 17:30 Finding the Right Hybrid Work Balance 29:00 Advice for Employees Facing In-Person Mandates 44:00 Mailbag Question 1: What allocation is ideal between Roth and 401(k)? 50:00 Mailbag Question 2: I'm very risk-averse, have I saved enough to retire?  TAKEAWAYS: Remote work can enhance concentration but may hinder innovation. Hybrid work models can lead to increased job satisfaction and lower turnover rates. Employees should align their work-from-home preferences with their team's schedule. Remote work does not necessarily impact promotion opportunities if managed well. The future of work will likely involve more technology to facilitate remote collaboration. Robert Half Report on Remote Work Trends and Statistics for 2024 Learn more about our Finance Fixx program here. Use code PODCAST for a $100 discount.  Thank you to Gainbridge® for supporting the HerMoney podcast. Gainbridge® created ParityFlex™, a multi-year guaranteed annuity, to offer women security and flexibility at a time when they need it the most—retirement. Learn more about ParityFlex™ here. The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact advertising@airwavemedia.com if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

If you listened to this week's episode with Michelle Singletary, personal finance columnist at the Washington Post, you know just how smart she can be about saving and investing, for her goals and for her family's long-term goals. You probably also won't be all that surprised to learn that a few years ago, she achieved something many of us can only dream of. She woke up one morning and she found that she had the elusive perfect credit score of 850. Listen in to hear how she did it. Chapters: 00:00 Introduction 06:00 Living below your means 09:00 Balancing college plans and retirement  14:00 The 21-day financial fast Takeaways: Achieving a perfect credit score means paying all your bills on time and maintaining a very low credit utilization. Prioritizing financial goals over lifestyle spending will allow you to save aggressively. A 21-day "financial fast" helps you avoid non-essential spending. Learn more about our Finance Fixx program here. Use code PODCAST for a $100 discount.  Thank you to Gainbridge® for supporting the HerMoney podcast. Gainbridge® created ParityFlex™, a multi-year guaranteed annuity, to offer women security and flexibility at a time when they need it the most—retirement. Learn more about ParityFlex™ here. The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact advertising@airwavemedia.com if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

Getting older is pretty incredible. And that's not just our opinion — lately, on the HerMoney podcast, we've been talking to some amazing women who have shown us that getting old is actually a life-affirming experience.  We recently chatted with Tamsen Fadal on reinventing your career in your 50s. There was also Gwen Bounds, who took up Spartan Racing at age 47, and Bonnie Hammer who started a family in her 40's. These women have shown us that there's no timeline for accomplishing all of your dreams. Michelle Singletary, personal finance columnist at the Washington Post, joins us to share some of the goals we should be meeting — or striving to meet — in every decade of our lives.  CHAPTERS: 00:00 Jean's Reflections on Turning 60 06:00 Financial Milestones for Your 30s 09:00 Financial Milestones for Your 40s 11:00 Financial Milestones for Your 50s 17:00 Financial Milestones for Your 60s and Beyond 32:00 Mailbag Question 1: What are the pros and cons of taking out a reverse mortgage? 38:00 Mailbag Question 2: I received a large settlement as part of my divorce. How should I invest it?  TAKEAWAYS: Developing a healthy hatred for debt is crucial for financial success. Investing early and often is key to building wealth. Health should be prioritized to avoid future financial burdens. Creating a spending plan can help manage financial anxiety in retirement. Planning for retirement should involve sitting down with your partner and aligning on goals. Traveling and enjoying life should be part of retirement planning. Learn more about our Finance Fixx program here. Use code PODCAST for a $100 discount.  Thank you to Gainbridge® for supporting the HerMoney podcast. Gainbridge® created ParityFlex™, a multi-year guaranteed annuity, to offer women security and flexibility at a time when they need it the most—retirement. Learn more about ParityFlex™ here. The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact advertising@airwavemedia.com if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

We are right on the eve of what is going to be a truly pivotal election. And this year, more than many others, it seems there's a unique urgency in the air. At least part of that is because each candidate has pledged to make changes to critical facets of American life — including to our personal finances.  Catherine Rampell, nationally syndicated opinion columnist at the Washington Post, joins us to dissect the issues and how the 2024 election can impact the broader financial system (and our personal economies). CHAPTERS: 00:00 Understanding Voter Awareness and Candidate Platforms 02:59 Inflation: Candidates' Influence and Economic Policies 09:05 Price Gouging and Its Implications 12:03 Student Loan Proposals and Their Impact 14:54 Social Security: Candidates' Stances and Future Challenges 18:08 Tax Policies and Their Economic Implications 21:01 Stock Market Trends and Candidate Influence TAKEAWAYS: Inflation remains a top concern for American voters but Presidents have limited control over inflation and price levels. The Federal Reserve's independence is vital for economic stability. Student loan proposals vary significantly between candidates. Social Security faces financial challenges regardless of the elected candidate. Tax policies proposed by candidates could have long-term economic implications. Stock market performance is influenced by various factors beyond presidential control. Learn more about our Finance Fixx program here. Use code PODCAST for a $100 discount.  Thank you to Gainbridge® for supporting the HerMoney podcast. Gainbridge® created ParityFlex™, a multi-year guaranteed annuity, to offer women security and flexibility at a time when they need it the most—retirement. Learn more about ParityFlex™ here. The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact advertising@airwavemedia.com if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

Every week on the HerMoney podcast, we talk about how to get control of your money, and in most cases, that means getting in control of your spending and knowing exactly where your money is going. Having this knowledge is so important because the truth is that many of us may be sabotaging ourselves financially.  Sarah Newcomb, applied behavioral scientist at Edward Jones, and the author of Loaded: Money, Psychology, and How to Get Ahead without Leaving Your Values Behind, joins us to talk about why we financially self-sabotage and how to stop.  CHAPTERS: 00:00 Introduction 06:00 What is Financial Self Sabotage 17:00 Setting Long-Term Financial Goals 28:00 Impulse Spending and Emotional Triggers 38:00 Mailbag Question 1: Should I stretch my budget to purchase my dream home? 43:00 Mailbag Question 2: I'm in a lot of credit card debt, will credit card companies negotiate it with me?  TAKEAWAYS: Financial self-sabotage can manifest in many unconscious ways. Women often prioritize caregiving at the expense of their financial goals. It's essential to balance short-term desires with long-term financial health. Emotional health is deeply intertwined with financial education and success. Learn more about our Finance Fixx program here. Use code PODCAST for a $100 discount.  Thank you to Gainbridge® for supporting the HerMoney podcast. Gainbridge® created ParityFlex™, a multi-year guaranteed annuity, to offer women security and flexibility at a time when they need it the most—retirement. Learn more about ParityFlex™ here. The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact advertising@airwavemedia.com if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices