Podcasts about exceeding

Wine drinkers across the globe are continuing to reach for Kiwi made bottles. Our wine exports reached over $2 billion, with export volume increasing to over 306 million litres, in the 12 months to June. Overall sales have increased 8% and represent the industry's second-highest June year total on record. New Zealand Winegrowers Chief Executive Anishka Jelicich told Mike Hosking in a difficult market, Kiwis are winning. She says we are making fresher, lighter styles, rather than heaver ones some competitor countries are making. LISTEN ABOVE See omnystudio.com/listener for privacy information.

As you transition into retirement, tax planning might not be at the top of your to-do list—but overlooking it can lead to costly mistakes. This week, I break down the five biggest tax pitfalls new retirees face, from unexpected taxes on Social Security benefits to costly Medicare premium surcharges and missed Roth conversion opportunities. I'm also sharing a few of my favorite strategies to avoid unnecessary state taxes and manage your retirement distributions with confidence.    You will want to hear this episode if you are interested in... [01:45] Without planning, your risk of unnecessary taxes and penalties increases [04:25] Managing taxes on Social Security benefits [08:32] Understanding Medicare Part B premiums [10:25] Understanding and strategizing state-specific tax breaks for retirees [13:15] Roth conversions and required distributions [14:09] Planning retirement account distributions   Smart Tax Planning Can Save You Money  Without proactive tax management, retirees can encounter unexpected tax bills, costly penalties, and unnecessarily complex financial situations. These are the five biggest tax mistakes that people make in the initial phase of retirement—find out how you can avoid them to enjoy your golden years with peace of mind.   1. Failing to Withhold Taxes on Social Security Benefits Many retirees are surprised to discover that Social Security benefits can be taxable. In fact, most will owe some federal tax on these benefits. The IRS calculates the taxable portion based on your combined income—that's your adjusted gross income, non-taxable interest, plus half of your Social Security benefit. Depending on your filing status and total income, between 50% and 85% of your Social Security can be taxable.   2. Accidentally Triggering IRMAA Premiums If you're on Medicare, your income affects your monthly premiums for Part B and Part D. Exceeding certain income limits results in an "Income-Related Monthly Adjustment Amount" (IRMAA)—an unwelcome increase in premium costs. For singles, the first threshold is $109,000, and for joint filers, it's $218,000. Exceeding these levels can raise your premiums by hundreds of dollars per month. One pitfall is making large IRA withdrawals or cashing out retirement accounts in a single year, inadvertently pushing your income above an IRMAA threshold. By spreading withdrawals over several years or strategically withdrawing from different account types (pre-tax, Roth, or brokerage accounts), you may be able to avoid higher premiums.    3. Paying Unnecessary State Income Taxes Where you live has a significant impact on your tax liability in retirement. Some states, like Florida, Texas, and Nevada, have no state income tax. Others offer exemptions for certain types of retirement income, such as pensions or Social Security. However, states without income tax may offset this advantage with higher property or sales taxes. Research the tax landscape of your home state and potential destinations if you're considering relocating. Even if you aren't moving, understanding thresholds for tax exemptions or reduced rates based on income can help you plan withdrawals to minimize your state tax exposure.   4. Waiting Too Long to Make Roth Conversions Roth IRAs provide the benefit of tax-free withdrawals in retirement, making them a powerful planning tool. If you have significant pre-tax IRA balances, converting some of this money to a Roth during your retirement's early years—especially before claiming Social Security—can make sense. Those years often bring lower income, keeping your conversion tax rate modest. Unfortunately, many retirees delay Roth conversions until it's too late. Once required minimum distributions (RMDs) kick in during your 70s, Roth conversions become less practical and may push you into higher tax brackets.    5. Mismanaging Retirement Account Distributions Without a distribution plan, retirees risk withholding too little or too much tax from IRA and 401(k) withdrawals. Setting proper withholding ensures compliance with the IRS "safe harbor" rules—generally, withholding 90% of current-year liability or 100–110% of last year's taxes, depending on your income. You can meet this requirement with quarterly estimated payments or through withholdings on distributions, even waiting until year-end if needed. Careful tax planning with a financial advisor or CPA will help you project your taxable income and avoid penalties. And, when doing Roth conversions, it's always preferable to pay taxes from outside funds, maximizing the amount that becomes tax-free. Resources Mentioned Retirement Readiness Review Subscribe to the Retire with Ryan YouTube Channel Download my entire book for FREE  Social Security Administration  Form W-4V (Rev. January 2026) Request to lower an Income-Related Monthly Adjustment Amount (IRMAA) | SSA     Connect With Morrissey Wealth Management  www.MorrisseyWealthManagement.com/contact Subscribe to Retire With Ryan  

Too often, we give in to the flesh and lose sight of our purpose, our blessings, and God's plan for our lives. As our faith weakens, we can become consumed by earthly thoughts, desires, and discouragement. But this is not the abundant life God has prepared for every believer. Join us in this podcast of the Woman at the Well Ministries, as Kim leads us through Scripture and reminds us that, through Christ, we can do all things—and that He will never leave us nor forsake us. Walk with us as we journey alongside the woman with the issue of blood, discovering how her faith in Jesus leads to peace, restoration, and complete healing.   Scriptures Mentioned in this Episode ·       Philippians 4:13 — “Through Christ we can do all things” www.biblegateway.com/passage/?search=Philippians+4%3A13&version=KJV ·       Hebrews 13:5 — “He will never leave us nor forsake us” www.biblegateway.com/passage/?search=Hebrews+13%3A5&version=KJV ·       Mark 5:25–34 — Woman with the issue of blood www.biblegateway.com/passage/?search=Mark+5%3A25-34&version=KJV ·       Matthew 9:20–22 — Parallel account of the woman with the issue of blood www.biblegateway.com/passage/?search=Matthew+9%3A20-22&version=KJV ·       Luke 8:43–48 — Parallel account of the woman with the issue of blood www.biblegateway.com/passage/?search=Luke+8%3A43-48&version=KJV ·       Romans 10:14 www.biblegateway.com/passage/?search=Romans+10%3A14&version=KJV ·       Romans 8:28 — “All things work together for good…” www.biblegateway.com/passage/?search=Romans+8%3A28&version=KJV ·       1 John 4:4 — “Greater is he that is in you, than he that is in the world” www.biblegateway.com/passage/?search=1+John+4%3A4&version=KJV ·       Psalm 16:11 — “Pleasures for evermore” in God's presence www.biblegateway.com/passage/?search=Psalm+16%3A11&version=KJV ·       Psalm 84:11 — “No good thing will he withhold…” www.biblegateway.com/passage/?search=Psalm+84%3A11&version=KJV ·       Ephesians 3:20 — “Exceeding abundantly above all that we ask or think…” www.biblegateway.com/passage/?search=Ephesians+3%3A20&version=KJV ·       Ephesians 6:10–18 — Whole armor of God www.biblegateway.com/passage/?search=Ephesians+6%3A10-18&version=KJV ·       1 Corinthians 15:57 — “Thanks be to God, which giveth us the victory…” www.biblegateway.com/passage/?search=1+Corinthians+15%3A57&version=KJV ·       Hebrews 4:16 — “Come boldly unto the throne of grace…” www.biblegateway.com/passage/?search=Hebrews+4%3A16&version=KJV ·       Jeremiah 33:3 — “Call unto me, and I will answer thee…” www.biblegateway.com/passage/?search=Jeremiah+33%3A3&version=KJV ·       Matthew 7:7 — “Ask… seek… knock…” www.biblegateway.com/passage/?search=Matthew+7%3A7&version=KJV ·       1 Thessalonians 5:17 — “Pray without ceasing” www.biblegateway.com/passage/?search=1+Thessalonians+5%3A17&version=KJV ·       Proverbs 18:24 — “A friend that sticketh closer than a brother” www.biblegateway.com/passage/?search=Proverbs+18%3A24&version=KJV ·       1 Peter 5:7 — “Casting all your care upon him…” www.biblegateway.com/passage/?search=1+Peter+5%3A7&version=KJV ·       James 4:8 — “Draw nigh to God, and he will draw nigh to you” www.biblegateway.com/passage/?search=James+4%3A8&version=KJV ·       Hebrews 11:6 — “Without faith it is impossible to please him…” www.biblegateway.com/passage/?search=Hebrews+11%3A6&version=KJV ·       Matthew 9:21 — “If I may but touch his garment, I shall be whole” www.biblegateway.com/passage/?search=Matthew+9%3A21&version=KJV ·       Mark 9:23 — “All things are possible to him that believeth” www.biblegateway.com/passage/?search=Mark+9%3A23&version=KJV ·       Luke 8:47 — The healed woman publicly declares what Jesus did for her www.biblegateway.com/passage/?search=Luke+8%3A47&version=KJV ·       Romans 10:9–10 — Believe and confess www.biblegateway.com/passage/?search=Romans+10%3A9-10&version=KJV ·       Romans 10:13 — “Whosoever shall call upon the name of the Lord shall be saved” www.biblegateway.com/passage/?search=Romans+10%3A13&version=KJV ·       John 8:1–11 — Woman taken in adultery; “Neither do I condemn thee: go, and sin no more” www.biblegateway.com/passage/?search=John+8%3A1-11&version=KJV ·       1 John 1:9 — “If we confess our sins…” www.biblegateway.com/passage/?search=1+John+1%3A9&version=KJV ·       Proverbs 3:5–7 — “Trust in the LORD with all thine heart…” www.biblegateway.com/passage/?search=Proverbs+3%3A5-7&version=KJV Did you enjoy this episode? It would make a huge difference to us if you took a minute to leave us a review wherever you listen and share the episode on social media!  Have you listened to our new podcast, The Bible Bit Podcast? These short podcasts come directly from the Bible Bits Kimberly writes each week day and shares to our subscribers via text message. You can learn more about Bible Bits right here. Want the BIble Bits in print? Find them here:  Bible Bit books! Do you want to bring Kimberly Miller and Woman at the Well Ministries to your church, upcoming retreat, or conference? Contact us!  Special thanks to the gospel group Fudge Creek for allowing us to use their song Happy Girl. Woman at the Well Ministries is a nonprofit organization dedicated to serving our Heavenly Father and it is through your loving and generous support that our ministry continues to bless others. To learn how to partner with Woman at the Well Ministries, please visit our website.  All of this and more is found on the Woman at the Well Ministries website.

God uses the salvation of guilty and rebellious sinners as a means to bring glory and honor to His name. In this sermon on Ephesians 2:7 titled “The Exceeding Riches of His Grace,” Dr. Martyn Lloyd-Jones brings this convicting truth as he speaks of God's Son Jesus Christ who died a cruel and torturous death as a criminal upon a cross. He did not do this so that the world would be a more comfortable place to live or so that people would become more moral. He did this to redeem a people to the praise of God the Father. The sin He died to overcome was far more than a simple social phenomenon; it was rebellion against God the Creator. And this world He came to set free from sin was not simply a world that had problems, but it was ruled by the devil, the god of this world. All of creation looked forward to this great act of redemption. From the creation of the world to God allowing the fall, it all finds its meaning in Jesus Christ and His vicarious death on the cross. Because this salvation is of God and wholly by grace, those who receive it can never fall away. For all who God saves, He will bring to perfection on the last day when He returns. To support this ministry financially, visit: https://www.oneplace.com/donate/603/29?v=20251111

Are you stuck feeling like your business can't run without you? Wouldn't you love to have a team that manages itself? In this episode, you'll hear what happened when Dr. Sabrina stepped back, and Melissa Kay took full ownership of delivery. Spoiler alert: the coaching didn't just stay on track, but it got even better! You'll discover why giving your team autonomy is the key to growth and freedom and how stepping back creates space for innovation and improvement. We're providing practical steps you can follow to build your own self-managing team. If you've ever worried about losing control by stepping back, join us to learn how your business can actually grow stronger without you.Profit by Design is a Tap the Potential production. Show Highlights:Dr. Sabrina's insights from Melissa Kay's extended vacation: A self-managing team IS possible!A-players are intrinsically motivated and are whole, competent, capable, and complete.Building your self-managing team requires specific action steps, such as asking, “What is most important?” as part of your structured approach. The environment you want is a calm, curiosity-driven, well-oiled machine powered by a learner mindset.Our programs, Leadership Bootcamp and Coach Approach, are designed for A-players who are ready to be equipped to support your vision.Our clients want step-by-step instructions.Building your self-managing team takes a clear vision, specific expectations, targeted KPIs to track progress, and a delivery promise.Exceeding your clients' expectations is classic A-player thinking.Building trust in your teamCheck out our courses on hiring, leadership, and team development. Book a call with us if you don't know where to start!Resources:If you're ready to build a business that gives you more profit AND more freedom, join me for the FREE Better Business Better Life Jumpstart Workshop: How to Reclaim 10 Hours per Week (and Pay Yourself More!).https://www.tapthepotential.com/jumpstart. We will begin September 22nd.

God uses the salvation of guilty and rebellious sinners as a means to bring glory and honor to His name. In this sermon on Ephesians 2:7 titled “The Exceeding Riches of His Grace,” Dr. Martyn Lloyd-Jones brings this convicting truth as he speaks of God's Son Jesus Christ who died a cruel and torturous death as a criminal upon a cross. He did not do this so that the world would be a more comfortable place to live or so that people would become more moral. He did this to redeem a people to the praise of God the Father. The sin He died to overcome was far more than a simple social phenomenon; it was rebellion against God the Creator. And this world He came to set free from sin was not simply a world that had problems, but it was ruled by the devil, the god of this world. All of creation looked forward to this great act of redemption. From the creation of the world to God allowing the fall, it all finds its meaning in Jesus Christ and His vicarious death on the cross. Because this salvation is of God and wholly by grace, those who receive it can never fall away. For all who God saves, He will bring to perfection on the last day when He returns.

God uses the salvation of guilty and rebellious sinners as a means to bring glory and honor to His name. In this sermon on Ephesians 2:7 titled “The Exceeding Riches of His Grace,” Dr. Martyn Lloyd-Jones brings this convicting truth as he speaks of God's Son Jesus Christ who died a cruel and torturous death as a criminal upon a cross. He did not do this so that the world would be a more comfortable place to live or so that people would become more moral. He did this to redeem a people to the praise of God the Father. The sin He died to overcome was far more than a simple social phenomenon; it was rebellion against God the Creator. And this world He came to set free from sin was not simply a world that had problems, but it was ruled by the devil, the god of this world. All of creation looked forward to this great act of redemption. From the creation of the world to God allowing the fall, it all finds its meaning in Jesus Christ and His vicarious death on the cross. Because this salvation is of God and wholly by grace, those who receive it can never fall away. For all who God saves, He will bring to perfection on the last day when He returns. To support this ministry financially, visit: https://www.oneplace.com/donate/603/29?v=20251111

Expectations are a grossly overlooked aspect of modern business. Some companies never address expectations for customers, while many companies set few expectations. As a result, these types of businesses can easily go about servicing customers when, and how it is convenient for the business. However, best-in-class companies actually publish expectations, and then take aim at providing service that exceeds those stated expectations. This mindset will surprise customers, satisfy them, and pave the road ahead for healthy repeat and referral transaction rates. Maybe it's time to start aiming at this classic best-on-class service mindset?Support the show

Global heating is set to overshoot 1.5C, according to a new United Nations Environment Programme report . Exceeding the limit pledged in the Paris Agreement is now “unavoidable”, with modelling under the most optimistic scenario placing the expected peak temperature rise at 1.8C. This comes as the world suffers through record breaking heatwaves, and increased climate-induced disasters. However, authors of the report said the temperature could be returned to 1.5C by accelerating greenhouse gas emission cuts alongside removing carbon dioxide from the atmosphere. See omnystudio.com/listener for privacy information.

Believers possess the greatness of His power. Click here to watch on YouTube.

The future of Flock cameras: left the house during a pandemic lockdown? Expect a summons in the mail. Exceeding your "carbon footprint" by driving too much? Expect a ticket in the mail.Original article: https://mises.org/mises-wire/high-cost-automated-flock-camera-surveillance-state

The future of Flock cameras: left the house during a pandemic lockdown? Expect a summons in the mail. Exceeding your "carbon footprint" by driving too much? Expect a ticket in the mail.Original article: https://mises.org/mises-wire/high-cost-automated-flock-camera-surveillance-state

Pastor Chris Tress | August 23, 2026

Matthew 5:17-20

August 7, 2026 Special meeting message #2 from Pastor Jeff Colón Website: www.lighthouseontherockky.org Facebook: https://facebook.com/lotrchurch

“Exceeding great and precious promises.” — 2 Peter 1:4 If you would know experimentally the preciousness of the promises, and enjoy them in your own heart, meditate much upon them. There are promises which are like grapes in the wine-press; if you will tread them the juice will flow. Thinking over the hallowed words will […]

Peter Earle traces how the word "trillion" entered the economic lexicon in 1981 when the U.S. passed $1 trillion in public debt. Today, the U.S. national debt approaches $40 trillion, with annual interest payments exceeding $1 trillion. Unlike 19th-century millionaires who faced high risks, modern trillion-dollar figures are often a product of government monetary expansion. We have entered "Trillionstan," where massive quantities of money are common, yet their long-term significance is often overlooked by the public. (5)1945 USS PUGET SOUND

Thomas Savidge warns that the US national debt is reaching dangerous levels relative to GDP. He explains that rising interest costs are now exceeding national defense spending, which threatens to stifle the productive economy and lead to a decreased standard of living for the average American taxpayer. (13)1865 

The provisions from God are innumerable, exceeding and above all. For the Christian, God grants an exceeding supply of blessings, grace and strength.

Bob Zimmerman details SpaceX's historic IPO, which raised over $85 billion, granting the company resources far exceeding NASA's budget. He also reports on structural leaks in Russia's Zvezda module on the International Space Station. (11)

Jesus prepares for a major section of teaching in His Sermon on the Mount by clarifying His relationship to the Scriptures. He has not come to abolish the Law or the Prophets, but to fulfill them. He will accomplish all that is written down to the smallest jot or tittle. Thus, none of Jesus' disciples are free to relax God's commandments in teaching or practice. Rather, Jesus calls His disciples to a righteousness that exceeds the righteousness that the Pharisees and scribes have. The righteousness of Jesus' disciples is greater because it is of a different kind—it is the gift of God to them through faith in Jesus.  Rev. Ryan Ogrodowicz, pastor at Grace Lutheran Church and School in Brenham, TX, joins host Rev. Timothy Appel to study Matthew 5:17-20.  To learn more about Grace Lutheran, visit gracebrenham.org. “The Reign of Heaven Stands Near” is a series on Sharper Iron that studies the Gospel according to St. Matthew. The first evangelist proclaims that God has fulfilled His Old Testament promises by sending Jesus to bring the reign of the heavens among us. As the Son of David, Jesus is the gracious King we need, and as the Son of Abraham, Jesus is the blessing to all the families of the earth.  Sharper Iron, hosted by Rev. Timothy Appel, looks at the text of Holy Scripture both in its broad context and its narrow detail, all for the sake of proclaiming Christ crucified and risen for sinners. Two pastors engage with God's Word to sharpen not only their own faith and knowledge, but the faith and knowledge of all who listen. Pastor Appel serves at Faith Lutheran Church in Godfrey, IL. Learn more at flcgodfrey.org. Submit comments or questions to: listener@kfuo.org

by Elder Lonnie Mozingo, Jr. (preached on As we said in the introduction to the first half of this sermon, we have been blessed over the years with the friendship of Elder Lonnie Mozingo, Jr., who has preached for us many times here at Zion Primitive Baptist Church. He visited us back in 2013, and...

by Elder Lonnie Mozingo, Jr. (preached on October 6, 2013) Over the years, Elder Lonnie Mozingo, Jr., has visited often and been a dear friend to Zion Primitive Baptist Church. In this sermon, he takes us to the spiritual mountaintop, teaching us about the exceeding great and precious promises of God for His people. Join...

In this Company Update, we connect with Tara Christie, President and CEO of Banyan Gold (TSXV: BYN / OTCQB: BYAGF). Tara takes us through the updated Mineral Resource Estimate (MRE) for the AurMac Gold Project located in the Yukon, which was announced on May 19, 2026. We discuss the significant expansion of the project's total footprint, the successful definition of a substantial high-grade core, and what these new numbers mean for the company's upcoming PEA milestones. Key discussion points include: Exceeding the High-Grade Target: How the company successfully delineated a high-grade portion of the deposit right around 1.0 g/t gold, surpassing their original 5-million-ounce target. Impressive Resource Conversion Rates: A look at the 90% conversion success rate to the indicated category, showcasing the continuity and robustness of the deposit without sacrificing grade. Pit-Constrained Sensitivity Analysis: An explanation of how the pit-constrained model reacts to different gold prices, revealing the significant long-term growth potential still locked within the system. 2026 Exploration Strategy & Upcoming PEA: Details on the current 70,000-meter drill program, how the budget is allocated between conversion and regional exploration, and how this MRE optimizes the economics for the Preliminary Economic Assessment (PEA) coming in the second half of the year. Strong Financial Position: A summary of the company's balance sheet, which features $70 million in cash.   If you have any follow up questions for Tara please email me at Fleck@kereport.com.    Click here to visit the Banyan Gold website - https://banyangold.com/   ----------------- For more market commentary & interview summaries, subscribe to our Substacks:  The KE Report: https://kereport.substack.com/  Shad's resource market commentary: https://excelsiorprosperity.substack.com/ Investment Disclaimer: This content is for informational and educational purposes only and does not constitute investment advice, an offer, or a solicitation to buy or sell any security or investment product. Investing in equities, commodities, really everything involves risk, including the possible loss of principal. Do your own research and consult a licensed financial advisor before making any investment decisions. Guests and hosts may own shares in companies mentioned.

Carl and Mike react to reports of the Atlanta Falcons coming to terms with Avieon Terrell and Anterio Thompson and then share thoughts on their conversation with Mike Griffith as they discussed the CFP wanting to expand to 24 teams, both agreeing that 16 teams should be the most and believe the expansion could help with getting rid of the bye week in the playoffs.

1. Climate and Fuel SecurityAustralia's El Niño forecast has been upgraded to a "Super El Niño," characterized by catastrophically dry conditions and record-high temperatures. This shift is driven by the Pacific Ocean exceeding normal temperatures by an average of 6°C near the equator, with a "warm slab" of water 250 meters below the surface preventing the ocean from cooling. These conditions have already led to an early autumn that feels like winter, with plants turning brown and widespread drought predicted. Consequently, New South Wales fire departments have begun back-burning operations six months earlier than usual to mitigate a potentially catastrophic bushfire season.Amidst these climate concerns, Australia has managed to stabilize its fuel supply, maintaining roughly 35 days of stock through imports from Asia. While Europe faces "dry pumps" and exorbitant prices, Australia's diesel costs roughly $2.80 per liter, with gasoline between $2.40 and $2.50. Although aviation fuel is refined locally, the industry remains vulnerable as it relies on the raw product imported from Asia. The government has launched an educational campaign to explain these supply lines to the public, which has successfully reduced panic-buying. 11700 

Two Alabama nurses saw a glaring gap in care and decided not to ignore it. Hosted by Jana Price, this episode of Nurse Converse features Shannon Krebs and Marcina Doze as they share how they built a Sexual Assault Nurse Examiner (SANE) program from the ground up in a fast-growing community with zero prior access. They walk through the real-world barriers, from funding challenges to training and emotional toll, and explain how collaboration with hospitals, law enforcement, and community leaders made it possible. Beyond logistics, this conversation highlights the human impact, showing how access to compassionate, timely care can change outcomes for survivors. It's a practical and deeply personal look at advocacy, resilience, and what it takes to create meaningful change in healthcare. Jump Ahead to Listen:[00:01:20] Identifying zero SANE access in a fast‑growing Alabama county[00:04:19] Patients sent an hour+ away for exams during tourism season[00:08:46] Saying “that's enough” and deciding to build a local SANE program[00:09:14] First moves: collaboration, admin support, and community awareness[00:12:59] Finding, training, and “growing your own” SANE nurses[00:17:32] Barriers: money, staffing shortages, on‑call demands, and trauma[00:20:59] Court as education: testimony mindset and mock‑trial practice[00:27:12] Year‑one wins: major grant, dedicated exam room, local backing[00:30:13] Exceeding case projections and constant education of law enforcementConnect with Jana on LinkedIn and on social media: Instagram: @gentlyusedrnFor more information, full transcript and videos visit Nurse.org/podcastJoin our newsletter at nurse.org/joinInstagram: @nurse_orgTikTok: @nurse.orgFacebook: @nurse.orgYouTube: Nurse.org 

For many Americans approaching retirement, financial planning means more than just maximizing savings and deciding when to claim Social Security. If you're not yet eligible for Medicare and rely on health coverage through the Affordable Care Act (ACA), your Social Security claiming decision at age 62 could have a dramatic effect on your insurance costs. On the show this week, I explore the nuances of how your income, and especially the timing of your Social Security benefits, can impact your eligibility for ACA premium tax credits—and what you can do to avoid costly surprises. You will want to hear this episode if you are interested in... [00:00] Retirement income and tax planning [03:35] Understanding ACA tax credits [07:44] Managing income for ACA tax credits [10:38] Social Security and tax calculations [14:57] Strategies for tax-free income access   Are ACA Premium Tax Credits, and Why Do They Matter? Premium tax credits, often referred to as ACA subsidies, are financial incentives designed to make health insurance more affordable for individuals and families who purchase coverage through healthcare.gov or a state exchange. These credits are contingent on your income, specifically your household's Modified Adjusted Gross Income (MAGI). For 2026, a single person can qualify for ACA subsidies if their MAGI is between 100% and 400% of the federal poverty level (FPL)—$62,600 in 2026 for an individual, and $84,600 for a couple. If you earn even $1 above this ceiling, you lose your entire premium subsidy—a phenomenon known as the "subsidy cliff".  With millions of Americans currently receiving subsidies, understanding how your retirement income decisions could threaten this benefit is essential for sound financial planning.   How Income Is Calculated for ACA Subsidies Not all income is created equal when it comes to ACA subsidies. The government uses your MAGI, which is your Adjusted Gross Income (AGI)—the number found on your tax return—plus certain items like tax-exempt bond interest and non-taxable Social Security benefits. This includes: Wages and self-employment income Social Security benefits (both taxable and non-taxable portions) Retirement account distributions (except Roth IRAs or Roth 401ks) Rental, interest, and dividend income Capital gains   Additionally, some deductions, like contributions to IRAs, HSAs, and student loan interest, can reduce your AGI, and thereby your MAGI, giving you potential tools for staying below the subsidy cliff.   The Social Security Timing Dilemma Collecting Social Security early at age 62 may sound appealing, but it comes with strings attached for ACA recipients. A critical point is that not all of your Social Security benefits are necessarily taxable. However, when calculating MAGI for ACA purposes, you must add back even the non-taxable portion, which can push your income above the subsidy threshold. For example, if you take a modest IRA distribution and also begin Social Security, the cumulative MAGI could surprise you.    Strategies to Preserve Your ACA Subsidy Given the high stakes, careful income planning is essential for anyone under 65 not covered by Medicare and receiving an ACA subsidy. You could delay Social Security, as waiting to claim benefits may help keep your income lower. You could also draw from Roth accounts or savings, withdrawals from Roth IRAs or 401(k)s—provided they're qualified—don't count as income. Likewise, using savings or HSA reimbursements has no impact on MAGI. IRA, HSA, and 401(k) contributions can reduce your MAGI, especially if you miscalculated and need to lower your income late in the year. The most important thing to do is plan withdrawals: Time your IRA or 401(k) distributions and capital gains so they don't coincide with years when you're dependent on ACA subsidies.   Avoiding the "Subsidy Cliff" Surprise Perhaps the most important lesson is to monitor your income projections carefully throughout the year and to report your expected MAGI precisely when applying for coverage. Exceeding the threshold by even a small amount can cause you to lose your subsidy, resulting in thousands of dollars in unexpected premium costs come tax time. Retirement planning requires a big-picture approach that balances income sources, tax implications, and healthcare costs. If you're considering Social Security at 62 and not yet on Medicare, pay close attention to how your income choices will affect your ACA subsidy—because when it comes to the "subsidy cliff," every dollar counts.    Resources Mentioned Retirement Readiness Review Subscribe to the Retire with Ryan YouTube Channel Download my entire book for FREE  Episode 267: Surviving the ACA Subsidy Cliff   Connect With Morrissey Wealth Management  www.MorrisseyWealthManagement.com/contact Subscribe to Retire With Ryan  

The Exceeding Great Reward And Shield Is For You!

Anthony Castrovince of MLB.com and MLB Network joins the program to discuss Chase DeLauter's transcendent start and the Guardians' ability to win series despite a struggling offense. They also break down Gabriel Arias's performance, Steven Kwan's mental approach, and the impact of the ABS challenge system on the fan experience.

This message was preached by Bishop E.A.T Sackey during the resurrection Sunday at the Glory Hope Life Centre, Accra - Ghana on the 5th of April, 2026.

WATCH: https://www.curlynikki.com/daily-devotional-march-27-2026.html

HOUR 1: TSA wait times are now exceeding the travel time of many domestic flights. At what point do you just drive? full 2356 Thu, 26 Mar 2026 19:00:00 +0000 JaSNea8rlvGCqi4dUbcRKgdlKzDXvILb news The Dana & Parks Podcast news HOUR 1: TSA wait times are now exceeding the travel time of many domestic flights. At what point do you just drive? You wanted it... Now here it is! Listen to each hour of the Dana & Parks Show whenever and wherever you want! © 2025 Audacy, Inc. News False

Kendrick Diaz discusses Ephesians 3:20—“Now to Him who is able to do exceedingly abundantly above all that we ask or think, according to the power that works in us . . .”

1. Guests: Bill Roggio and Ambassador Husain Haqqani Headline: Global Markets Shudder as Oil Surges Past $100 Summary:War in the Middle East has triggered a damaging global economic surge, with oil exceeding $100 per barrel. Panelists discuss Iran's resilient regime and the appointment of late leader's son, Mojtaba Khamenei. (2)1907 TEHRAN

Matthew 5:38-48 | Adam Smith

Matthew 5:38-48 | Adam Smith

Federal fisheries regulators approved some limits on Western Alaska chum bycatch in the Bering Sea last week. The highly debated – and long awaited – decision aims to protect declining salmon stocks, a crucial food resource for Alaska tribes. The Alaska Desk’s Alena Naiden from our flagship station KNBA has this story. The North Pacific Fishery Management Council voted to set a Western Alaska chum bycatch limit in the Bering Sea pollock fishery. The council said the move will balance protections for Western Alaska salmon returns, while also allowing pollock fisheries to continue their harvest. Council member Nicole Kimball voted for the motion. She says it addresses those needs and reflects best available Western and Indigenous science. “I think it’s going to change behavior. I think it’s going to reduce Western Alaska chum bycatch … I’m sure, as per usual, nobody is very happy, but all of the discussions have really helped … inform the outcome.” The trawl fishery in the Bering Sea near the Aleutian Islands is focused on pollock, but boats also scoop up other types of fish. That includes chum salmon, some of which migrates to Western and Interior Alaska rivers and is a crucial subsistence resource there. But chum runs have been declining, leading to repeated fishing closures in some communities. Alaska Native Council member John Moller, originally from Unalaska, is a commercial fisherman. He says he is fortunate to put fish up each year and feels for those who cannot. “I know how important that is to me, how important that is to my family, and passing that on to my children – I get that. And my heart is ripped out, speaking with all of you that are living on the rivers right now that don’t have that same ability that I have living in Southeast.” The council voted to support a motion that sets a limit to Western Alaska chum bycatch. Exceeding that limit would trigger a partial closure. Rachel Baker is the Deputy Commissioner at Alaska Department of Fish and Game. She presented the motion. Several members who voted against the motion said it is not likely to provide a meaningful improvement for salmon returns, but Baker argued. “We’re at this table used to thinking about large volumes of fish, in tons … we heard in testimony that four fish were able to provide the needs for a potlatch.” The plan goes to the National Marine Fisheries Service next before it can be implemented. (Courtesy AMC) This weekend saw the recent premiere of Season 4 of AMC's award-winning detective drama, “Dark Winds” which takes place in 1970s Navajo Country. As Brian Bull reports, tension and resentment threaten the romantic relationship between two main characters. After Bernadette Manuelito quits the U.S. Border Patrol and returns to the Navajo Tribal Police Department, it looks like a carefree and intimate rekindling of her romance with fellow officer, Jim Chee. But Lt. Joe Leaphorn shares a life decision with Manuelito that will shake up the force, a secret which Chee inevitably learns. Feeling affronted and mistrusted, a schism occurs between the couple. Actors Kiowa Gordon and Jessica Matten talk about bringing this conflict to their characters. “Leaphorn's coming from a place of understanding the matriarchy system, and in order to protect this relationship dynamic, she doesn't feel like she's lying to Chee, she feels like she's actually protecting him from what he doesn't need to know.  Y'know she's dealing with a lot of the PTSD of her just killing a man in season 3, and sometimes you just don't want to tell the truth right away because you might actually spiritually just drown, because it’s too much.” “And he is dealing with his own demons that he's been pushing away but now they've come to collect. And having to deal with that and trying to maintain your professionalism when you're working with the love of your life at the same time, and so there's a lot of dynamics being played out.” (Courtesy AMC) Meanwhile, an investigation takes the pair and Leaphorn to Los Angeles. Gordon and Matten say much of the filming still happened in New Mexico, parts of which resembled L.A. more than 50 years ago. New episodes of “Dark Winds” air Sunday nights on AMC and a fifth season has already been greenlit. The premiere episode of “Dark Winds” season 4 ended with a tribute to executive producer Robert Redford, who passed away last September. (Courtesy AMC) Get National Native News delivered to your inbox daily. Sign up for our daily newsletter today. Download our NV1 Android or iOs App for breaking news alerts. Check out today’s Native America Calling episode Wednesday, February 18, 2026 – Native in the Spotlight: Keeya Wiki

Matthew 5:33-37 | Adam Smith

(00:00-41:57) Robbie Avila is the cutest boy this morning. Doug couldn't get the SLU game on ESPN+ last night. People had some blackout issues at the end of the game. Rammer's call of Avila's game winning three. I hope Chuck Todd is happy. Martin wants Schertz in a white suit. No more Papers harassment. Jackson finally ranks SLU ahead of Mizzou. Mya Culpa. The final play. Bending the knee to Schertz.(42:05-1:01:06) Nolan Arenado on Foul Territory talking about his experience and time in St. Louis. Good point, Martin. Arenado on not accepting the trade to Houston. The Jim Acosta of baseball journalism.(1:01:16-1:30:15) Ricky Rozay. Bob Ramsey joins us on the phone lines after the big night at Chaifetz Arena last night. Sign of a good team is falling behind and not having your best stuff but finding a way to win. Exceeding preseason expectations. Do they still need to win the A10 to get a Tourney bid? Nobody has seen more Billiken basketball games than Rammer. Matt Rocchio's Twitter feed after the game. Male loneliness epidemic. Robbie Avila on the floor after last night's game.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

AUSTRALIA'S EXTREME HEATWAVE AND THE SOLAR PANEL REVOLUTION Colleague Jeremy Zakis. Zakis reports on Australia's extreme weather, describing a heatwave moving east with temperatures exceeding 110°F, exacerbated by winds acting like a "fan-forced oven." He warns that recent rains fueled vegetation growth that will quickly dry into kindling, creating a "tinderbox" risk for wildfires within a week. Culturally, Zakis notes Australians no longer "tough out" the heat; instead, they use air conditioning early, supported by a "solar panel revolution." This widespread solar adoption has reduced pressure on the electrical grid, eliminating the need for public service announcements urging power conservation during these heat spikes.