Podcasts about Efe

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.

Álvaro Pombo (Santander, 1939) no asistirá mañana miércoles a la ceremonia de entrega del Premio Cervantes 2024 en Alcalá de Henares, debido a su estado de salud, ha confirmado a EFE el escritor cántabro."Me encuentro bien, pero estoy muy frágil", ha dicho Pombo, que aún no ha decidido quien leerá el discurso en su nombre en la ceremonia, que presidirán los reyes de España, Felipe y Letizia.

SERIE: LA FAMILIA CRISTIANA 5 CONFERENCIAS EFESIOS 6:18 Efe 6:18  orando en todo tiempo con toda oración y súplica en el Espíritu, y velando en ello con toda perseverancia y súplica por todos los santos;  La oración es el medio de comunicación del cristiano con su alto comandante, Dios. Por ella recibimos dirección y consejos, y por ella comunicamos necesidades y problemas. Pablo señala dos características de esta comunicación espiritual. Primero dice: Orando en todo tiempo en el Espíritu con toda oración y ruego (v. 18a). Esta manera enfática de Pablo acentúa la importancia de la oración. En todo tiempo en el Espíritu significa constantemente y en cualquier circunstancia con la ayuda del Espíritu Santo. Hay veces en que es difícil orar o no sabemos exactamente cómo orar o para qué pedir. El Espíritu interviene y nos ayuda. Pablo emplea dos términos casi sinónimos aquí, pero uno, oración, es más general, mientras el otro, ruego, es más específico como petición. 

“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!

Con Carlos Miquel. Marc Márquez en Austin ¿genialidad o suerte? Debate con Borja González y Tito Lladós (EFE). Todos los sonidos del GP de Las Américas de MotoGP. Analizamos la salida de Lawson de RedBull con el periodista Diego Mejía. El cumpleaños de Álex Palou y sus opciones para llegar a la Fórmula 1.

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.

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

Cinco años después de la pandemia de covid-19, parece que las carreras populares y, el mundo del running en general, vive una nueva época dorada, con las inscripciones a carreras agotándose en España y en casi todo el mundo.¿Qué está pasando? ¿Es un fenómeno pasajero o una tendencia que va a seguir creciendo? Analizamos el mercado de las carreras populares con Fran Chico, responsable de SportLife, empresa encargada de la organización de las Carreras de la Mujer o del Maratón de Sevilla entre otras; y con David Ramiro periodista de EFE especializado en atletismo. Ambos, además, grandes atletas populares.A tu Ritmo, un podcast creado por Luis Blanco, con Chema Martínez Pastor y Pablo Villalobos.¡Suscríbete a nuestra newsletter semanal! ⁠https://correaturitmo.substack.com/Canal de Telegram: ⁠https://web.telegram.org/k/#@aturitmochat⁠FB: ⁠https://www.facebook.com/correaturitmoES⁠IG: ⁠https://www.instagram.com/correaturitmo/

====================================================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? 

“Por medio de él, todas las partes del cuerpo están ligadas y se mantienen unidas. Cada parte cumple su función y así todo el cuerpo crece y se fortalece por el amor” (Efe. 4:16)¿Qué harás por tu iglesia? ~ Devocional de Jóvenes ~ 28 de febrero 2025 ~ AD7Devocional----------------------------BUSCA 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/4VfzQUU2omzsrqITRsL6AhCode: WEYYHJZBFWG1BTRHAutor: 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!

L'ancien président brésilien d'extrême droite est inculpé pour avoir ourdi un complot en vue de renverser le résultat de l'élection présidentielle de 2022 au Brésil. Au total, 34 personnes ont été inculpées, dont plusieurs responsables militaires. Selon le procureur, ils sont « accusés d'avoir incité et exécuté des actes contraires aux trois pouvoirs et à l'État de droit démocratique ». À Rio de Janeiro, notre correspondante Sarah Cozzolino estime que « l'étau se resserre un peu plus autour de Jair Bolsonaro. » « Mais l'ancien président a déclaré ce mardi « ne pas être inquiet » , » ajoute-t-elle «Alors que la popularité de Lula est au plus bas, Jair Bolsonaro ne semble pas avoir renoncé à sa candidature à la présidentielle, en 2026. Lui et ses soutiens répondent aux accusations en deux mots « persécution politique ».La décision est désormais entre les mains de la Cour Suprême, qui pourra décider de l'ouverture d'un procès.Jair Bolsonaro prépare déjà la contre-attaque. O Globo dévoile que l'ancien président d'extrême droite va rencontrer des députés de l'opposition ce mercredi (19 février 2025) et d'autres députés acquis à sa cause. Lors de cette rencontre, croit savoir le journal, Jair Bolsonaro compte demander du soutien pour le projet d'amnistie des personnes reconnues coupables lors de l'insurrection du 8 Janvier 2023 à Brasilia. Les partisans de l'ex-président avaient envahi le siège des trois pouvoirs dans une tentative d'insurrection une semaine après la victoire de Lula, l'actuel président brésilien.Jair Bolsonaro compte aussi plaider pour modifier la loi dite Clean Record qui lui permettrait de devenir à nouveau éligible.Toute cette semaine, explique O Globo, l'ancien président multiplie les prises de contact. Lundi, à la veille de son inculpation, il a reçu toute l'après-midi des sénateurs et des députés qui le soutiennent. Il participera à un dîner mercredi soir avec des influenceurs d'extrême droite et doit aussi prendre part à plusieurs évènements politiques pour rallier sa base à sa cause.Pour Folha de Sao Paulo, Bolsonaro adope la « tactique Trump » pour revenir au pouvoir. Selon le journal, la croyance selon laquelle un ancien président sous le coup d'une condamnation ne peut pas se représenter n'est plus valable depuis le retour de  Donald Trump à la Maison Blanche. Haïti : l'annulation du Carnaval à Fort-LibertéFace à la polémique, le Conseil présidentiel de transition fait marche arrière. Dans un communiqué publié ce mardi soir (18 février 2025), le CPT annonce l'annulation du Carnaval National qui devait se tenir dans la ville de Fort-Liberté les 2, 3 et 4 mars 2025. Une décision justifiée selon les autorités par « une détérioration de la situation sécuritaire à travers le pays. Le CPT affirme également avoir pris en compte les « préoccupations exprimées par la population à travers les médias et les forums citoyens ».Si le carnaval national est annulé, les festivités régionales restent autorisées, selon le communiqué présidentiel.La presse haïtienne salue d'une seule voix cette décision d'annuler le carnaval national : Frantz Duval dans son éditorial du Nouvelliste estime que le gouvernement a écouté la voix de la sagesse. «Tout le monde gagne et personne ne perd la face», ajoute notre confrère pour qui le gouvernement haïtien «propose pour une fois, une décision qui lui permet de faire croire qu'il est à l'écoute des critiques».Alterpresse de son côté revient sur la levée de boucliers qu'a provoquée l'annonce de la tenue du carnaval à Fort Liberté : «distractions honteuses, indécence, injustice, irresponsabilité, mépris des revendications de la population», les mots ne semblent pas assez forts pour décrire le sentiment des organisations de la société civile. L'agence en ligne rappelle le montant qui devait être accordé aux festivités : 300 millions de gourdes en tout, soit un peu plus de 2 millions d'euros alors que le pays manque de tout et que plusieurs milliers de personnes ont été déplacées en raison de la violence des gangs armés et vivent «dans des conditions infrahumaines». Des migrants expulsés des États-Unis enfermés dans un hôtel de Panama CityAprès la décision du président américain d'expulser massivement les migrants illégaux des États-Unis, le New York Times titre « des centaines de migrants piégés au Panama ».À la Une du journal, la photo d'un hôtel modeste la nuit et aux fenêtres, des dizaines de migrants qui se couvrent le visage. Aucun n'est originaire du Panama, ils viennent d'Afghanistan, d'Iran, de Chine : des pays où il est difficile de les renvoyer. Ils sont donc envoyés loin de tout, dans un pays inconnu et sont 170 enfermés dans cet hôtel où « un migrant a tenté de se suicider, un autre s'est cassé la jambe en tentant de s'enfuir », rapporte le journal. « On leur a enlevé leur passeport, et leur téléphone » et ils ne savent pas ce qu'ils vont devenir. On leur a dit qu'ils seront peut-être envoyés dans un camp de fortune dans la jungle panaméenne. Le Panama en est maintenant responsable et est « sous une pression intense des autorités américaines, qui a menacé de reprendre le Canal de Panama ».La Estrella s'en fait aussi l'écho, parlant de 299 personnes enfermées dans un hôtel de Panama city. L'agence de presse EFE rapporte que des familles avec des bébés, des enfants et des personnes âgées ont demandé de l'aide. « Ils craignent pour leur vie s'ils sont renvoyés dans leur pays d'origine ».  La fin d'USAID en Colombie remet en question l'aide aux migrants La Colombie était la principale bénéficiaire an Amérique Latine des fonds alloués par l'agence de coopération américaine USAID. Le pays, principale producteur mondial de cocaïne, a été victime d'un long conflit armé. L'aide venue de Washington représentait moins d1% du PIB mais elle finançait plus de 70% de l'aide humanitaire. La suspension des fonds de l'USAID a fait les gros titres des journaux.La coopération américaine finançait ici des programmes très divers, de la protection de la forêt amazonienne à la mise en œuvre de l'accord de 2016 signé avec la guérilla des FARC, en passant par le développement rural, l'éradication des cultures de coca ou encore l'aide aux migrants.La Colombie a reçu en moins de 10 ans plus de 3 millions de Vénézuéliens. Marie-Eve Detoeuf, notre correspondante à Bogota a rencontré Alba Pereira qui dirige une petite fondation qui offrait tous les jours 600 repas gratuits aux Vénézuéliens les plus démunis dans la ville de Bucaramanga : « Nous avons dû licencier les employés et la population dont nous nous occupions ne reçoit plus d'aide. La situation est terriblement critique, surtout qu'en ce moment la question des déplacés internes s'ajoute à celle des migrants. La ville de Bucaramanga reçoit en ce moment des déplacés qui arrivent de la région du Catatumbo ».Dans cette région du nord-est du pays, les combats entre des groupes armés ont provoqué depuis la mi-janvier 2025 le déplacement de quelque 50 000 personnes. La suspension de la coopération américaine a été décrétée pour 90 jours.Un reportage à écouter dans son intégralité dans la version audio de ce podcast. Mexique : 2 000 euros pour un AK47Depuis presque un demi-siècle, le Mexique souffre d'une criminalité importante notamment à cause de la puissance de feu des groupes criminels. Chaque année, il y a environ 30.000 homicides. La sécurité est depuis longtemps une priorité pour le gouvernement mexicain qui a tenté diverses stratégies pour endiguer la violence. En 2006, le président de l'époque, Felipe Calderon, avait déclenché une guerre contre les cartels qui n'a pas du tout résolu le problème, au contraire. Depuis, l'ex-président Andres Manuel Lopez Obrador tout comme l'actuelle cheffe de l'État Claudia Sheinbaum poursuivent une politique moins frontale qui cherche davantage à agir sur les causes de la violence.Les autorités ont mis en place un programme de désarmement volontaire. Pour Clara Burgada, la maire de Mexico, rencontrée par notre correspondante à Mexico, Gwendoline Duval, « Chaque arme récupérée représente un crime en moins dans ce pays. En 2019, il y avait 4 homicides par jour dans la capitale, mais grâce à cette politique, la moyenne en 2024 a baissé à 2,4. »Lancé par la présidente Claudia Sheinbaum lorsqu'elle était maire de Mexico, ce programme de désarmement va se déployer dans tout le pays. Avec le renforcement de la garde nationale, du renseignement et de la coordination des institutions mexicaines, c'est l'un des grands axes de la politique de sécurité du gouvernement.Un reportage à écouter dans son intégralité dans la version audio de ce podcast.  L'actualité des Outre-Mer Benoît Ferrand de la 1ère évoque cette déclaration du nouveau directeur territorial de la police nationale en Martinique qui se dit très surpris par le niveau de violence dans l'île.

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

La fiecare început de an, Conferința de Securitate de la München captează atenția lumii întregi. Anul acesta, evenimentul va avea loc între 14 și 16 februarie. Iar raportul premergător generează numeroase comentarii. Documentul, pregătit în fiecare an de un grup de experţi, arată o lume polarizată, plină de incertitudini, informează luni agenția de știri EFE, citată de Agerpres și G4 Media. „Multipolarizare”. Acesta este titlul raportului premergător Conferinței de Securitate de la München, la care vor participa aproape 60 de şefi de stat sau de guvern şi peste 100 de miniştri.Potrivit raportului, liberalismul este pus sub semnul întrebării din punct de vedere politic şi economic de creşterea populismului şi a naţionalismului. Pe de altă parte, există o tensiune ideologică între democraţii şi autocraţii.Autorii documentului vorbesc despre o scenă internaţională multipolară, la care lumea se raportează diferit.Pentru unii este motiv de optimism, cum ar fi așa-numitul Sud Global sau țările BRICS. Acestea văd o șansă de a reduce influenţa Statelor Unite, mult timp percepute drept o putere prea dominatoare.Alții se uită cu pesimism către noua lume. Ei consideră că multipolarizarea creşte riscul dezordinii şi conflictelor.De exemplu, ţările G7 (cele mai bogate economii din lume) se numără printre pesimiști.Victoria lui Donald Trump în alegerile prezidenţiale din SUA, reprezintă îngroparea consensului în politica externă americană postbelică potrivit căruia internaţionalismul liberal a servit cel mai bine interesele americane. Pentru preşedintele Trump şi mulţi dintre susţinătorii săi, ordinea internaţională creată de SUA a fost o afacere proastă, constată raportul.O consecinţă a acestui fapt ar putea fi o renunţare din partea SUA la rolul său istoric de garant al păcii în Europa, ceea ce poate avea consecinţe importante pentru Ucraina.De partea sa, China este cel mai proeminent promotor al unei ordini multipolare, definindu-se ca un avocat al ţărilor din aşa-numitul Sud global. Mulţi occidentali văd în apărarea multipolarităţii de către Beijing o deghizare retorică asumată de China în competiţia sa cu SUA pentru putere.Iar autorii raportului estimează că Beijingul ar putea beneficia în cele din urmă de faptul că Washingtonul abandonează angajamentele internaţionale sau se distanţează de partenerii săi tradiţionali.În ceea ce priveşte Uniunea Europeană, aceasta se confruntă cu provocări serioase. Războiul de agresiune al Rusiei împotriva Ucrainei şi creşterea populismului naţionalist în cadrul societăţilor europene pun sub semnul întrebării elementele centrale ale viziunii liberale a UE.Realegerea preşedintelui Trump poate intensifica aceste provocări şi poate reînvia dezbaterea dacă UE trebuie să devină un pol autonom în politica internaţională.Viziunea Moscovei este aceea a unei lumi multipolare în jurul statelor civilizatoare, printre care se include şi Rusia. Ţările mai mici, printre care Rusia include şi Ucraina, ar urma să cadă astfel în sfera de influenţă a statelor civilizatoare.Autorii estimează că, pe lângă discrepanţele dintre viziunea Rusiei despre sine şi adevărata sa putere, Moscova a avut un oarecare succes în eforturile sale de a destabiliza ordinea internaţională.Pe plan intern însă, Rusia se confruntă cu probleme economice tot mai mari şi cu consecinţele exceselor sale imperialiste. Cu toate acestea, capacitatea Moscovei de a-şi implementa viziunea despre o lume multipolară cu diverse sfere de influenţă depinde de reacţia celorlalţi, estimează raportul Conferinţei de Securitate de la München. Ascultați rubrica ”Eurocronica”, cu Ovidiu Nahoi, în fiecare zi, de luni până vineri, de la 8.45 și în reluare duminica, de la 15.00, numai la RFI România

“Pues la iglesia es el cuerpo de Cristo, de quien ella recibe su plenitud, ya que Cristo es quien lleva todas las cosas a su plenitud” (Efe. 1:23)Cristianos sin iglesia ~ Devocional de Jóvenes ~ 25 de enero 2025 ~ AD7Devocional----------------------------BUSCA 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/4VfzQUU2omzsrqITRsL6AhCode: 1SWJ9SFX3EO1NMZTAutor: 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!

====================================================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 ChurchLUNES 13 DE ENEROEL REGOCIJO DE DIOS Aunque nos cueste imaginarlo, Dios considera que cada persona tiene un valor incalculable, y por eso se regocija por la salvación de una sola alma. Lee Sofonías 3:17. ¿Cómo arroja luz este versículo sobre la parábola del hijo pródigo? Sofonías 3:17 muestra enfáticamente el deleite que Dios experimenta por la redención de su pueblo. En este versículo aparecen casi todas las palabras del idioma hebreo que expresan alegría y regocijo. Daría la impresión de que ninguno de esos términos fuera suficiente por sí solo para describir la magnitud del regocijo divino. Nota también dónde está Dios según este versículo: “en medio” de su pueblo. La reconciliación que surge de la relación de amor implica la presencia inmediata de Dios. Al igual que el padre que corrió al encuentro de su hijo, Dios está en medio de su pueblo. En Isaías 62:4 se utiliza una analogía matrimonial. Según ese texto, el pueblo de Dios sería llamado “Hefziba”, que significa “mi delicia”; y la tierra recibiría el nombre de “Beula”, que significa “casada”. ¿Por qué? Porque, como dice el texto, “el Señor se deleitará en ti, y tu tierra será casada”. El pináculo mismo de la alegría de Dios está reservado para el día de la restauración, cuando él recibirá a su pueblo y se regocijará a causa de nosotros, así como el padre se regocijó por el regreso de su hijo pródigo. Lee Efesios 5:25 al 28. ¿Qué dice esto acerca del tipo de amor que también nosotros estamos llamados a demostrar? Este pasaje exhorta a los esposos a amar a sus esposas “como Cristo amó a la iglesia y se entregó a sí mismo por ella”, y a amarlas “como a su mismo cuerpo” (Efe. 5:25, 28). Estos textos no solo ponen de relieve el tipo de amor desinteresado y abnegado que un marido debe prodigar a su esposa, sino también muestran que Cristo mismo ama a su pueblo (la iglesia) como parte de sí mismo. 

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

====================================================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 ||===================02 de EneroBuenos Deseos De Año Nuevo«Me es necesario hacer las obras del que me envió, mientras dura el día» (Juan 9: 4),Con motivo del año nuevo he recibido numerosas felicitaciones de conocidos y cosas buenas. Observando los mensajes recibidos podría clasificarlos en tres grupos. Uno lo constituyen los nostálgicos, centrados en el pasado: «¿Te acuerdas de cuando éramos estudiantes? ¡Quién volviera a ser joven!». Y no están faltos de razón. Ya lo dice el Salmo 90: 5 y 6: «Los días de nuestra vida son como un sueño»… Ser conscientes de la brevedad de la vida es bueno, pero quedarnos mirando al pasado puede paralizarnos. Como dice el refrán: «Añorar el pasado es correr tras el viento». O como dice la Biblia: «No pienses que cualquier tiempo pasado fue mejor, porque eso no es de sabios» (ver Ecle. 7: 10). Hoy es el día de preparar el futuro (Mar. 13: 33).En otro se sitúan los pesimistas, que ensombrecen su presente preocupándose demasiado por el futuro: «Ya veremos qué nos trae este nuevo año, con lo mal que está el panorama mundial». A ellos Jesús les dice: «No os angustiéis por el día de mañana». Aprovechad el presente, «basta a cada día su propio mal» (Mat. 6: 34). Y en el tercer grupo se incluyen los que podríamos llamar realistas.Jesús nos invita a ser realistas, a aprender del pasado, a aprovechar a fondo el presente, y a no perder de vista el futuro (Mat. 6: 33). El apóstol Pablo aplica al parecer esta importante filosofía de la vida cuando dice, en Filipenses 3: 12 al 14: «Una cosa hago (presente), olvidando lo que queda atrás (pasado), prosigo a la meta» (futuro). Y nos invita a aprovechar el presente (Efe. 5: 16) precisamente «porque los días son malos».Los seres humanos vivimos irremisiblemente encerrados en el tiempo y tenemos que lidiar con la paradoja de que es a la vez el más valioso y el más perecedero de nuestros recursos. Tenemos la ineludible responsabilidad de usarlo... antes de nos «use» definitivamente a nosotros.La verdadera sabiduría reside, como dice Jesús, en hacer nuestro deber «mientras el día dura», en valorar el tiempo y aprender a vivirlo a la luz de la eternidad. Este es nuestro reto hoy. El pasado ya se fue, y el futuro nos está garantizado, «para que donde yo esté, vosotros también estéis» (Juan 14: 3).Señor, ayúdame a ver que mi tiempo es hoy y, más exactamente, ahora. 

Se publicó en el la Convocatoria para el programa de Gobierno de la alcaldía Benito Juárez  La SEP reconoció al equipo de robótica de la Primaria Emilio Miramonte de Mexicali, Baja California  José Mujica, estable después de la cirugía de esófago: EFEMás información en nuestro podcast

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

El príncipe de la potestad del aire son las fuerzas demoníacas que están obrando en el mundo. Pablo acaba de usar las mismas palabras en Efe. 1:21-22 cuando afirma que Dios “[colocó a Cristo a Su diestra] muy por encima de todo gobierno y autoridad, poder y dominio, y de cualquier otro nombre que se invoque, no solo en este mundo, sino también en el venidero. 22 Dios sometió todas las cosas al dominio de Cristo y lo dio como cabeza de todo a la iglesia.” --- Support this podcast: https://podcasters.spotify.com/pod/show/housesoflight/support

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

If you listened to our episode with Sabrina Corlette, founder of the Center for Health Insurance Reforms, you are already armed with the information that you need to make a decision about which healthcare plan you want to choose when open enrollment rolls around.But no matter which one you choose, it's also inevitable that at some point you are very likely to receive a medical bill that you didn't expect. That's where negotiation comes in. Our guest today, Braden Pan, founder and CEO of Resolve, a company that negotiates your medical bills on your behalf. He's joining us to talk about how you can do this yourself, how to negotiate your medical bills down, when to settle and pay up, and when to get your insurance company to step in and cover more. Chapters: 00:00 Introduction 10:00 Tips For Negotiating Medical Bills 16:00 How To Be Your Own Advocate 25:00 What To Do If You Can't Pay the Bill Takeaways: - Before negotiating, gather as much information as possible about your medical bills. - Persistence is crucial when negotiating medical bills.  - Make allies, not enemies. It may take multiple attempts to reach an agreement.  - Many hospitals offer financial aid programs and will be flexible with you.  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

It's that time of the year again: yes, it's spooky season, but it's also time for open enrollment. This year, it's absolutely essential that we do a thorough review of all our health insurance options, and make sure we're choosing the best plan for us — without paying a penny more than necessary. Sabrina Corlette, research professor, founder, and co-director of the Center on Health Insurance Reforms (CHIR) at Georgetown University shares the mistakes she wants you to avoid when choosing a healthcare plan this year.  Chapters: 00:00 Introduction 04:00 What's New For 2025 Open Enrollment  10:00 Evaluating Plan Options 22:00 Shopping Around For Healthcare 24:00 HSAs vs FSAs 29:00 Mailbag Question 1: Can I open an HSA outside of my employer?  33:00 Mailbag Question 2: I'm coming up against hefty healthcare costs, how do I pay for them without draining my emergency fund?  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

Today we are bringing you a mailbag with listener Amy. She's in her early 40s and she is wondering if she should hit the brakes when it comes to saving for retirement because of the other things on her plate. She's working on paying down credit card debt and she wants to be able to afford to move into a nicer home.  So, what's the order of operations here? We'll dive into some timely advice for her. Chapters: 00:00 Introduction to Financial Priorities 02:57 Understanding Current Financial Situation 06:00 Exploring Debt Management Strategies 09:07 Retirement Contributions and Future Planning 12:12 Real Estate Considerations and Options Have a personal finance question for us or want to jump on a call with Jean so you can get all of your follow-up questions answered? Write in at mailbag@hermoney.com. 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 year during hurricane season, we see that many of you have questions about how to lower the cost of homeowner's insurance. And we get it — it's so difficult to know exactly which policies are right for your specific property.  Ben Keys, the Rowan Family Foundation Professor of Real Estate and Finance at the University of Pennsylvania's Wharton School, shares how to know how much coverage we really need, and walks us through the steps to take to get a better deal on our policies.  Chapters: 00:00 Navigating Homeowners Insurance in a Changing Climate 05:58 Understanding the Rising Costs of Homeowners Insurance 11:52 Assessing Your Insurance Needs and Coverage 17:59 What to Do When Your Insurer Drops You 24:00 Practical Tips for Lowering Your Insurance Premiums Learn more about our Finance Fixx program here. Use code PODCAST for a $100 discount.  Ben Keys NY Times Op-Ed: https://www.nytimes.com/2023/05/07/opinion/climate-change-homeowners-insurance-housing-market.html 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. Use promo code HERMONEY at the link below to get an exclusive 60% off an annual plan at https://incogni.com/hermoney. Grab the exclusive NordVPN deal ➼ https://nordvpn.com/hermoney and get extra subscription time. Try it risk-free now with a 30-day money-back guarantee. Thanks to NordVPN for sponsoring our show.  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 know that aging is a privilege, but there is still so much negativity wrapped up with aging — particularly for women who are still thriving in their careers. There's perhaps no greater blow than to be made to feel we're “past our prime” just when we finally hit a point in life where we have more clarity and more to offer the world than ever.  Tamsen Fadal, "The Midlife Mentor" on Instagram, joins us to talk about what she's letting go of now that she's in her 50s, and the misconceptions we all need to push back on about midlife. Chapters: 00:00 Introduction 05:00 Changing Careers After 50 09:00 Menopause Support At Work 14:00 Debunking Myths About Productivity in Midlife 22:00 Tamen Fadal's Fashion and Personal Style 25:00 Mailbag: I'm a recent widow, should I sell my historic home to free up cash for traveling? 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. Use promo code HERMONEY at the link below to get an exclusive 60% off an annual plan at https://incogni.com/hermoney. Grab the exclusive NordVPN deal ➼ https://nordvpn.com/hermoney and get extra subscription time. Try it risk-free now with a 30-day money-back guarantee. Thanks to NordVPN for sponsoring our show.  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