Podcasts about families

Raising resilient kids requires more than just protection from discomfort. It requires teaching them how to move through it with confidence and strength. In this episode, Spartan founder Joe De Sena and clinical psychologist Dr. Lara Pence share the core principles from their book 10 Rules for Resilience for Families and challenge many modern parenting norms. We talk about boundaries, consistency, discipline, movement, nutrition, screen time, and why overparenting can unintentionally create anxiety and insecurity in children. This conversation may stretch you, spark reflection, and encourage meaningful shifts in how you show up as a parent. Take what resonates, leave what does not, and trust yourself as you raise capable, grounded humans. Topics Covered In This Episode: Teaching resilience in children Why boundaries create security Overparenting and anxious kids Building grit and mental toughness Raising capable, independent adults Show Notes: Find a Spartan Race near you  Follow @realjoedesena on Instagram Follow @drlarapence on Instagram Read 10 Rules for Resilience Mental Toughness for Families  Click here to learn more about Dr. Elana Roumell's Doctor Mom Membership, a membership designed for moms who want to be their child's number one health advocate! Click here to learn more about Steph Greunke, RD's  online nutrition program and community, Postpartum Reset, an intimate private community and online roadmap for any mama (or mama-to-be) who feels stuck, alone, and depleted and wants to learn how to thrive in motherhood. Listen to today's episode on our website Joe De Sena is the founder and CEO of Spartan and the Death Race, the world's leading endurance sports and wellness brand with a community over 10 million strong. He is the New York Times bestselling author of three books, Spartan Up!, Spartan Fit, and The Spartan Way. De Sena also hosts the Spartan Up! Podcast, which features weekly interviews with some of the world's greatest minds in business, sports and leadership. His mission—transforming 100 million people through the Spartan lifestyle. More at: www.joedesena.com Dr. Lara Pence is a clinical psychologist and Chief Mind Doc at Spartan. With a career spanning more than 20 years, Dr. Pence is one of the most sought-after therapists in the community, having served on the Board of Directors for Embody Love Movement and The Elisa Project. In 2018, Dr. Pence founded LIGHFBOX, a company that helps individuals build self-mastery and mental resilience through daily exercises and challenges. Her work has been featured on Good Morning America, the BBC, Glamour, Vogue, WebMD, Psychology Today, and The Huffington Post. More at: www.drlarapence.co INTRODUCE YOURSELF to Steph and Dr. Elana on Instagram. They can't wait to meet you! @stephgreunke @drelanaroumell Please remember that the views and ideas presented on this podcast are for informational purposes only.  All information presented on this podcast is for informational purposes and not intended to serve as a substitute for the consultation, diagnosis, and/or medical treatment of a healthcare provider. Consult with your healthcare provider before starting any diet, supplement regimen, or to determine the appropriateness of the information shared on this podcast, or if you have any questions regarding your treatment plan.

Sign up for our Family Retreats here at this  link: Retreats & Getaways | Joni and Friends --------Thank you for listening! Your support of Joni and Friends helps make this show possible. Joni and Friends envisions a world where every person with a disability finds hope, dignity, and their place in the body of Christ. Become part of the global movement today at www.joniandfriends.org. Find more encouragement on Instagram, TikTok, Facebook, and YouTube.

Catch Up on what the Brown - Woolley & Co. Families have been up to this week, as well as the deepest of the dives we regularly do on any and all things SISTER WIVES!SHOW LINEUP:-Christine's Cruise DEETS-Padron family chaos-Classic Janelle INSTA -Janelle's new house!!!-"Chances Are..." (A journey through Meri's new cash grab)-Robyn's GRAMLEAVE US A VOICEMAIL AND SHARE YOUR THOUGHTS!https://www.speakpipe.com/lovetohateSnark and sarcasm is highly encouraged as we see what our favorite family is up to, as well as a dip into the latest pop culture news and highlights. Subscribe on YouTube, Patreon, and your favorite podcast app!Please like and subscribe on Youtube!Join our private Facebook Group "We Love to Hate Everything"Coming up this week on Patreon:patreon.com/lovetohatetv + patreon.com/trpod*THE ENTIRE BACKLOG OF AMANDA LOVES TO HATE TEEN MOM IS AVAILABLE FOR only $3*WE LOVE TO HATE TV*Tier 1+: The Four Seasons S1 E6 "Ultimate Frisbee"*Tiers 2+: Sister Wives S16 E3 "Not Social But Very Distant"TOTAL REQUEST PODCASTThe Four Seasons S1 E6 "Ultimate Frisbee"GIRL DINNERGirl Dinner Episode 82 "Robyn's Tweets"CHECK OUT AMANDA'S OTHER PODCAST POD AND THE CITY!!! Available on Itunes/Spotify etc, Youtube, and Patreon! Hosted on Acast. See acast.com/privacy for more information.

In this shorter episode of The Noise of Life Podcast, Steve Hodgson and Jason Seeman explore a relationship challenge many modern couples experience but rarely articulate - emotional disconnection in marriage and long-term partnerships.We unpack the “quiet drift” that happens not because love disappears, but because connection stops being intentional. Modern life pulls couples into parenting responsibilities, work pressure, digital distraction, and endless logistics. Families eat in separate rooms. Partners scroll on their phones in bed. Communication becomes transactional rather than relational. And slowly, emotional intimacy in relationships begins to fade.Jason shares practical relationship tools to restore connection, including structured check-ins that prioritise emotional safety, active listening, and presence. Not fixing. Not defending. Not problem-solving. Just listening with intention. We discuss why healthy communication in marriage is a skill, not a personality trait - and why many couples were never taught how to regulate emotion during conflict.This episode also addresses intimacy in relationships, reframing physical closeness not as obligation or performance, but as a pathway back to emotional union and connection. We explore how unresolved stress, cognitive load imbalance, and unspoken resentment impact both emotional and physical intimacy.Importantly, this conversation reframes conflict in relationships as normal and necessary for growth. The true danger isn't disagreement — it's emotional withdrawal, avoidance, and silent tension becoming the environment children grow up observing.If you feel like you and your partner are on the same team but no longer deeply connected, this episode offers practical relationship advice, emotional awareness strategies, and grounded tools to help rebuild intimacy, strengthen communication, and restore partnership alignment.Because connection doesn't disappear overnight. It drifts quietly — until someone becomes intentional again.Inside this podcast:Why connection must be intentional in modern relationshipsHow daily logistics quietly replace emotional intimacyThe power of structured check ins for couplesWhy intimacy deepens emotional connectionWhy conflict is normal but disconnection is dangerousConnect with Jason:Linktree  → https://bio.site/raisingfathers Website → https://www.raising-fathers.com/Connect with Steve:Instagram → https://bit.ly/3KARQhR LinkedIn  → https://bit.ly/48sw8Vj Episode Highlights00:00:00 - Every relationship is unique and tools must fit context00:01:30 - Creating space for real human connection00:02:30 - Families drifting into separate worlds00:03:10 - The power of structured check ins00:04:00 - Listening without fixing or defending00:05:00 - Logistics versus emotional intimacy00:06:00 - Feeling like a team again00:07:00 - Why intimacy changes the emotional atmosphere00:10:00 - Conflict as a feature, not a flaw00:11:00 - Avoidant attachment and retreating from feedback00:12:00 - Self compassion as the foundation of repair00:13:00 - Children absorbing the emotional tone of parents00:13:50 - Repairing faster and breaking cyclesABOUT THE PODCAST SHOWThe Noise of Life is a podcast that shares real stories, raw truths, and remarkable growth. Hosted by Steve Hodgson a coach, facilitator, speaker, and Mental Health First Aid Instructor. This podcast dives deep into the “noise” we all face, the distractions, doubts and challenges that can pull us away from who we truly are.

Two economists get into the business—and stakes—of organ donation, and they argue why the government should financially compensate their families.FYI, we are going on a book tour! Planet Money's first ever book comes out in April. We'll be celebrating in about a dozen cities. There's a limited edition tote bag included with your ticket, while supplies last. Details, dates and how to get your ticket at planetmoneybook.com.Related episodes: Too many subscriptions, not enough organs Your Organs, Please For sponsor-free episodes of The Indicator from Planet Money, subscribe to Planet Money+ via Apple Podcasts or at plus.npr.org. Fact-checking by Sierra Juarez. Music by Drop Electric. Find us: TikTok, Instagram, Facebook, Newsletter.  To manage podcast ad preferences, review the links below:See pcm.adswizz.com for information about our collection and use of personal data for sponsorship and to manage your podcast sponsorship preferences.Learn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy

This week Topher and Jeff talk with Glenn Hefferan, the commissioner of the United States Hockey League, which is the top junior ice hockey league sanctioned by USA Hockey. If you or your player has dreams of playing at this level, this episode is for you. In this episode we talk about: — How development is more important than wins & losses — The need to be more positive about our sport — Families feeling the pressure to play 70+ games a season — What the average qualities of a USHL player are AND SO MUCH MORE! Thank you to our title sponsor IceHockeySystems.com, as well as Train-Heroic, Helios Hockey, and Crossbar! And thank you to our AMAZING LISTENERS; We appreciate every listen, download, comment, rating, and share on your social sites! JOIN HTTU TODAY! HTT MERCH Follow us: IG: @HockeyThinkTank X (Twitter): @HockeyThinkTank TikTok: @HockeyThinkTank Facebook: TheHockeyThinkTank Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Feeling Alone? Trust Him. by Autumn Dickson The Old Testament is full of imperfect people. There is strife and difficulty. Families struggle together. We see people who are trying to follow God, sometimes in desperation, and they make mistakes along the way. We see a whole spectrum of human emotion. It makes me wonder how much we're missing in the New Testament. We often tease about how the Old Testament and New Testament are so different, but are they truly? Or were they just written differently? Perhaps the curtain just gets peeled back a tad bit more with the Old Testament and we get to see the bad along with the good. This week, we read about some of those imperfect people, and there is much to learn from them. We can learn from their mistakes in our own quest to follow after God. We can learn to watch our own predilections and flaws and hopefully avoid some of their same obstacles. I want to look at Jacob and Rebekah specifically. It took a while for Rebekah to get pregnant, but when she did, she got pregnant with twins. They wrestled within her and caused her to ask the Lord what was going on. He spoke to Rebekah (likely through the Spirit) and told her that from the two brothers, two nations would be formed. It was also prophesied that the older would serve the younger. Esau was born first and was Isaac's favorite, and Jacob was born second and was Rebekah's favorite. Rebekah had received a revelation that Esau would serve Jacob, but she took matters into her own hands. Isaac spoke to Esau and told him to prepare a dinner so that Esau could be blessed. Rebekah pushes and convinces Jacob to trick his father. This is what she tells Jacob. Genesis 27:8-10 8 Now therefore, my son, obey my voice according to that which I command thee. 9 Go now to the flock, and fetch me from thence two good kids of the goats; and I will make them savoury meat for thy father, such as he loveth: 10 And thou shalt bring it to thy father, that he may eat, and that he may bless thee before his death. She convinces Jacob to pretend to be Esau. Isaac is blind, and so the idea is that Isaac will give Esau's blessing to Jacob. She takes the ruse even further by placing the hairy skins upon Jacob to further trick Isaac into thinking that Jacob is Esau (since Esau is hairy and Jacob isn't). Her ruse works. Isaac is tricked and gives the birthright blessing to Jacob rather than Esau. Esau comes home and is bitter and upset about what happened. He mourns his father but promises to kill Jacob when the mourning is over. Rebekah sends Jacob far away to her brother, Laban. Jacob's life isn't made easier after this. He has been separated from his family. He starts working for his uncle and is tricked more than once. His uncle likewise changes his wages unjustly multiple times. The Lord calls upon Jacob to take his large family back home to where Esau is and Jacob fears his uncle and cousins enough that he tries to do it secretly. It's a long story, but I told the whole thing because the context is key in order to understand the principle I want to teach. I'll shorten it to these four details. God whispers to Rebekah. Rebekah takes matters into her own hands, and Jacob listens. Jacob finds himself exiled. Now the fraud and sin are not upon the head of Jacob alone. Rebekah pushed for this pretty hard; Jacob gave in and listened and did as his mother bade him. Both of them found themselves with poignant parallels. When we don't trust the Lord, we can find ourselves separated from family. Let me explain what I mean. I don't necessarily mean that the Lord is going to exile you. I'm not prophesying that your children are going to be taken away. What I am teaching is this: not trusting the Lord can keep you separated from the family of God, spiritually and emotionally. It can make you feel like you're all alone in the world. Jacob had to go off on his own and try to make his own way. He didn't have anyone to lean on. Do you feel that way? Do you feel that you have no one to lean on? If you've been baptized and made covenants and kept those covenants and love the Lord but still don't trust in His power to handle things (including your sins), you're going to find yourself separated from Him. Not because He rejects you for not trusting Him, but because you are putting up a wall and keeping yourself from enjoying the relationship that's possible. Trust in the Lord is an irreplaceable part of the gospel of Jesus Christ. You can do all of the things, but it won't matter without the trust. Rebekah was trying to help the prophecy along, and all it did was take her son away from her. She didn't trust the Lord to handle it. It separated her from her loved one. Jacob listened and found himself separated from everyone. I sat down with a loved one a couple of years ago, and she confided in me that she didn't think she would make it to the Celestial Kingdom. She insisted that she had made many mistakes and didn't know whether God would count her worthy. It made me so thoroughly sad. Sure, there had been mistakes, but there wasn't a drop of rebellion in her. She loved the Lord and wanted to do what He wanted her to do. And yet despite her goodness, she didn't believe she could make it. Her lack of trust kept her from enjoying so many aspects of salvation right here and now. It kept her exiled and alone without anyone to lean on. Do you know how good it feels to be a child of God? To feel close to Him even when you can't see Him? It feels good. It feels tangible. I do not feel alone. I do not feel like I have to do this life on my own or figure out how to be okay all by myself without anyone to back me up. Trust in the Lord (whether that's timing or unwanted answers or His ability to save) gave that to me. If you feel that you're supposed to be somewhere and it's not coming together, don't force it. Work appropriately, and trust Him. Trusting Him will keep you close rather than alone. I testify that the Lord loves us. I testify that He wants to be close to us. I testify that His command for us to trust Him is a command because He knows it's one of the most powerful tools for joy and peace. We are not alone. We do not have to take things into our own hands. We have an all-powerful Lord to guide us and lead us and open doors at the right times. We can rest, knowing He has our best interest in His capable hands. Autumn Dickson was born and raised in a small town in Texas. She served a mission in the Indianapolis Indiana mission. She studied elementary education but has found a particular passion in teaching the gospel. Her desire for her content is to inspire people to feel confident, peaceful, and joyful about their relationship with Jesus Christ and to allow that relationship to touch every aspect of their lives. Autumn was the recipient of FAIR's 2024 John Taylor Defender of the Faith Award. The post Come, Follow Me with FAIR – Genesis 24–33 – Part 1 – Autumn Dickson appeared first on FAIR.

Investing” Is Not the Same as “Owning” A client said something to Bruce recently that stuck with me: “I despise the idea of a 401(k)… but I also know I'll spend the money if it hits my checking account.” That single sentence captures the tension so many families feel. https://www.youtube.com/live/1d8Ln6EsBxk On one hand, you want control. You want options. You want the ability to pivot when life changes or opportunity shows up. On the other hand, you've been trained to believe the “responsible” path is to lock money away, chase a rate of return, and hope the future works out. That's why Bruce and I recorded this episode—because most people think wealth is built by finding the right investments. But the families who build long-term, sustainable wealth usually share something deeper: They've learned the difference between investing vs owning assets—and they prioritize control of capital. In the first 100 words, let's say it plainly: if you're only “investing,” you may be building a net worth number, but still living with limited access, limited flexibility, and limited decision-making. Owning assets is different. Ownership changes your options—today, not just someday. Investing” Is Not the Same as “Owning”What You'll Learn About Investing vs Owning AssetsInvesting vs Owning Assets: What's the Difference, Really?Taxable vs Tax-Deferred vs Tax-Free Accounts: Don't Confuse the Account With the InvestmentWhy Too Much Money in Qualified Plans Can Limit Your OptionsTraded vs Non-Traded Investments ExplainedPrivate Real Estate Investing vs REIT: What You're Actually ChoosingWhat Is an Accredited Investor Definition—and Why It MattersHow to Buy a Small Business to Build Wealth (Even If You're a W-2 Earner)“Who Not How”: Build Ownership With the Right TeamInvesting vs Owning Assets in Everyday Life: A Simple Self-AssessmentInfinite Banking as a Wealth Strategy: Where Ownership and Control Show UpInvesting vs Owning Assets: Ownership Changes Your OptionsListen to the Full Episode on Investing vs Owning AssetsBook A Strategy CallFAQWhat is the difference between investing vs owning assets?What does traded vs non-traded investments explained mean?Is a REIT the same as owning real estate?Why do qualified plans like 401(k)s reduce control of capital?How do I build wealth outside the stock market? What You'll Learn About Investing vs Owning Assets In this blog (and podcast), Bruce Wehner and I unpack what we called the “unseen wealth gap”—the gap between families who primarily invest and families who intentionally own assets. Here's what you'll gain by reading: Clear definitions: taxable vs tax-deferred vs tax-free accounts (and why most people confuse the account with the investment) The real difference between traded vs non-traded investments Why so many families feel trapped inside qualified plans (401(k)s, IRAs, SEP IRAs, SIMPLE IRAs, 403(b)s, 457s) Practical ways to build wealth outside the stock market—even if you're a W-2 earner How liquidity and access to capital can matter more than a projected rate of return Where Infinite Banking and cash value life insurance can fit into an ownership strategy And just to be clear: this is education and perspective—not individualized financial advice. Our goal is to help you think better, ask better questions, and make decisions with more clarity. Investing vs Owning Assets: What's the Difference, Really? People hear “ownership” and say, “But I own stock. Isn't that ownership?” Technically, yes—you own shares. But for most everyday investors, that “ownership” often comes with very little control. Here's the simplest way we can say it: Investing often means you participate in an asset's performance, but you don't control decisions, timing, access, or outcomes. Owning assets means you have more influence over the decisions, the structure, the cash flow, and the information—especially when you own businesses, real estate, or private assets where you can ask questions and understand what's actually happening. Bruce made a point that's worth repeating: with public companies, you cannot call the CEO, ask hard questions, or influence strategy. With many private ownership structures (like certain partnerships), you can talk to the sponsor, review details, ask “what happens if…,” and understand the philosophy and vision—not just the numbers. That difference—access to information and decision-making—is part of the wealth gap. Taxable vs Tax-Deferred vs Tax-Free Accounts: Don't Confuse the Account With the Investment One of the biggest misunderstandings we see is this: people treat the account type as the investment. They'll say, “I'm investing in a Roth,” or “I'm investing in my 401(k).” But your 401(k) is not the investment. It's a tax bucket. Taxable accounts These are accounts where you typically pay taxes as you earn interest/dividends or realize gains (like selling a stock for a capital gain). Think brokerage accounts, bank interest, and many dividend-producing holdings. Tax-deferred accounts (qualified plans) These include 401(k)s, traditional IRAs, SEP IRAs, SIMPLE IRAs, 403(b)s, 457s, and some annuities. Tax-deferred means you generally postpone taxes now and pay later—plus you follow IRS rules for access and distribution timing. This is where many families have the majority of their money… and also where many families feel stuck. Tax-free strategies (or tax-advantaged) This category can include Roth IRAs, certain municipal bond interest, some forms of home equity, and properly structured life insurance strategies (depending on your situation and compliance). The point isn't that everything is “tax-free.” The point is: many families never even explore this category beyond “Roth or not.” When you only see two options—pay tax now or pay tax later—you miss the strategies that create flexibility. Why Too Much Money in Qualified Plans Can Limit Your Options Bruce said something that we see all the time: Some families have 95%—sometimes close to 100%—of their money inside qualified plans. Then life happens: A business opportunity shows up A real estate purchase requires speed A family emergency requires liquidity A market downturn makes you hesitate to sell assets A capital call comes due And suddenly the real problem isn't “returns.” It's access. If you want to understand how to build wealth outside the stock market, start with this question: Do I have enough capital outside qualified plans to act when opportunity (or adversity) arrives? This is why we talk so much about liquidity strategy and access to capital. Control isn't a philosophy. It's practical. Traded vs Non-Traded Investments Explained This is one of the most important distinctions in the whole conversation. Traded assets Traded assets are priced and exchanged in public markets—stocks, many ETFs, and other exchange-traded products. You get liquidity, but you also get the “whims” of market psychology. Bruce gave a powerful example: an apartment portfolio could be collecting rent just fine, but if investors panic, the traded price can drop anyway because people sell. So the asset can be stable—while the price swings. Non-traded assets Non-traded assets are not priced minute-by-minute on an exchange. That usually means less liquidity, but potentially more stability in valuation and often different risk/return expectations. Bruce used the example of non-traded real estate structures where the sponsor purchases assets, manages operations, and the investors participate based on the structure. This is where the key phrase comes in: liquidity and access to capital. Non-traded can mean you can't exit quickly. That can be a feature or a risk—depending on whether you planned for it. Private Real Estate Investing vs REIT: What You're Actually Choosing Real estate is a perfect example because people can “invest” in real estate in multiple ways. REITs A REIT (Real Estate Investment Trust) can be traded or non-traded. The big difference you experience as an investor is usually liquidity and market pricing behavior. Private real estate ownership This includes owning rental properties directly, participating in partnerships, or investing in private deals like syndications (depending on eligibility and suitability). If you're asking, “Is this investing or owning?” here's a helpful lens: If you're buying a ticker symbol, you're mostly buying market exposure. If you're buying an interest in a specific asset and can ask questions about operations, assumptions, and scenarios, you're closer to ownership behavior—even if you're not the operator. And of course, none of this is “good” or “bad” by default. The question is: what fits your goals and your risk tolerance? What Is an Accredited Investor Definition—and Why It Matters Bruce explained the reality that certain private investments require accredited investor status. At a high level, that status can involve income thresholds or net worth thresholds (with certain exclusions, like primary residence equity). The reason it matters is simple: access. But let's not miss the bigger point: You don't need to be accredited to start shifting from “only investing” to “increasing ownership.” Business ownership, skill-based service businesses, local cash-flowing acquisitions, and many forms of direct real estate ownership do not require that label. So if you're not accredited, don't let that become a mental dead end. There are still practical ownership paths. How to Buy a Small Business to Build Wealth (Even If You're a W-2 Earner) Rachel here—this part matters because people assume business ownership has to mean: Starting a tech company Buying a major franchise Quitting their job overnight Taking huge risks with no plan

Shaka Mitchell joins Josh to discuss school choice and the work he and his colleagues are doing at the American Federation for Children. They cover the current state of the school choice movement, the Education Freedom Tax Credit—which allows taxpayers to direct a portion of their taxes toward school choice programs—and the American Federation for Children's vision for the future of education, along with the ongoing efforts to turn that vision into reality.   Follow Shaka and The American Federation For Children: https://substack.com/@shakamitchell?r=3goao8&utm_medium=ios&utm_source=profile&shareImageVariant=light   HOME - American Federation for Children   Learn more about the Education Freedom Tax Credit: Federal Scholarships – Federal Education Scholarships   Quality Matters Podcast: https://youtube.com/@qualitymatterspod?si=CJ16DkEzuJU2dcq8   Come together music project:  https://podcasts.apple.com/us/podcast/come-together-podcast/id1691123150  

Full Gospel Center's Pastor Rick Leonardi preaching the message "Gospel of John - Part 47" on 03/01/2026 referencing John 13:12-38.

All the Episodes of the Heidelcast Subscribe to the Heidelcast! Browse the Heidelshop! On X @Heidelcast On Insta & Facebook @Heidelcast Subscribe in Apple Podcast Subscribe directly via RSS Call The Heidelphone via Voice Memo On Your Phone The Heidelcast is available wherever podcasts are found including Spotify. Call or text the Heidelphone anytime at (760) 618-1563. Leave a message or email us a voice memo from your phone and we may use it in a future podcast. Record it and email it to heidelcast@heidelblog.net. If you benefit from the Heidelcast please leave a five-star review on Apple Podcasts so that others can find it. Please do not forget to make the coffer clink (see the donate button below). SHOW NOTES How To Subscribe To Heidelmedia The Heidelblog Resource Page Heidelmedia Resources The Ecumenical Creeds The Reformed Confessions The Heidelberg Catechism The Heidelberg Catechism: A Historical, Theological, and Pastoral Commentary (Lexham Academic) Recovering the Reformed Confession (P&R Publishing, 2008) Why I Am A Christian What Must A Christian Believe? Heidelblog Contributors Support Heidelmedia: use the donate button or send a check to: Heidelberg Reformation Association 1637 E. Valley Parkway #391 Escondido CA 92027 USA The HRA is a 501(c)(3) non-profit organization  

In this interview, Rose shares her powerful story of growing up in the FLDS church and what life was like in this fundamentalist, patriarchal system.At just 10 years old, Rose's father was sent away, and she was reassigned to a new family and home, something common in the FLDS. While helping care for her mother's mental health struggles, Rose was forced into a parental role at a young age, raising siblings before she ever got to be a child herself.As a teenager, Rose began quietly rebelling by pursuing education in secret. She earned her GED and attended college without church approval, a risky decision inside the FLDS where education, especially for girls, is discouraged.In her early 20s, Rose left the FLDS church and began rebuilding her life outside of religious control. Today, she is finding freedom, identity, and healing after growing up in a system rooted in patriarchy and obedience.This interview offers firsthand insight into life inside the FLDS, family reassignment, escaping religious extremism, and the long journey to freedom after leaving a high control group.Rose's Insta: https://www.instagram.com/theerozee/FB: https://www.facebook.com/Theerozee.1993If you or someone you love has left polygamy and needs assistance, please reach out to "Holding Out HELP" at 801-548-3492 or visit their website at www.holdingouthelp.orgAt Growing Up In Polygamy our mission is to "Create compassion for communities that have been misunderstood, marginalized and/or abused by their leaders, and to empower those who have left by giving them a platform to share their stories with the world."If you would like to DONATE to this cause you can do so here: https://donorbox.org/growing-up-in-polygamyInsta: @growingupinpolygamyNew website is now up! www.growingupinpolygamy.comTheme Song created by @artcowles Please feel free to reach out to us!growingupinpolygamy@gmail.com

Common Mistakes During Family Business Estate Planning Estate planning is technical. Family business estate planning is emotional. Because in a family enterprise, wealth is never just capital. It represents identity. Sacrifice. Legacy. Control. Protection. And when estate planning is driven by fear instead of preparation, families don't just protect assets — they unintentionally weaken the people who must steward them. In this episode of The Family Biz Show, wealth psychologist Jim Grubman, co-author of Wealth 3.0, challenges the most common assumptions shaping multi-generational estate planning. What he reveals reframes everything.   The 70% Myth That Built an Industry You've heard it: "Seventy percent of wealth transfers fail by the second generation." It's repeated in boardrooms. It's cited in advisor presentations. It's used to justify complex trust structures and control mechanisms. But where did it actually come from? Jim explains how limited, narrow research became accepted as universal truth — and how that narrative shaped decades of defensive estate planning. When founders believe generational decline is inevitable, they design structures around protection instead of development. Fear becomes policy.   Exposure Is Not Preparation Many G1 leaders assume: "My kids grew up around this business. They've seen it. They'll figure it out." But as one next-generation leader put it: "Just because I was along for the ride doesn't mean I know how to drive." Estate planning often transfers ownership without transferring capability. Preparation is not passive. It requires: Intentional financial education Decision-making responsibility Governance participation Clear communication Without these, wealth transitions become fragile.   The Hidden Estate Planning Variable: Parenting The quiet truth behind most generational breakdowns? It's not tax law. It's not structure. It's not even governance. It's parenting. Jim calls it the "hidden dirty little secret" of wealth. Families often assume they can raise children the same way they were raised — even when their economic reality has completely changed. But wealth changes context. Context requires adaptation. If parenting doesn't evolve, tension accumulates. And no trust structure can fix that.   The Language That Shapes Legacy One of the most powerful insights in this episode is linguistic. "Shirt sleeves to shirt sleeves in three generations." It's not even a complete sentence. There's no verb. No inevitability. Just assumption. Yet families internalize it as destiny. And when inevitability is assumed, estate plans become restrictive. Control increases. Trust decreases. Narrative drives structure. Structure drives outcomes.   Adaptation Is the Real Strategy Successful multi-generational families ask three questions: What should we keep? What should we let go? What must we learn? Estate planning is not static. Every generation faces: Different markets Different personalities Different spouses Different pressures Replication does not guarantee continuity. Adaptation does.   Key Takeaways • The "70% wealth transfer failure" statistic is often overstated and misunderstood. • Fear-based estate planning leads to over-control and restrictive structures. • Exposure to wealth does not equal readiness to manage it. • Preparation for generational transition must be active and intentional. • Parenting and communication are central to long-term wealth continuity. • Language and inherited narratives shape governance decisions. • Estate planning should focus on developing capable stewards — not just protecting assets.   The Real Purpose of Family Business Estate Planning Estate planning is not primarily about minimizing taxes. It is about aligning: Wealth and capability Structure and trust Protection and preparation Family identity and future leadership When estate planning is fear-driven, families fragment. When it is preparation-driven, families flourish. This episode is a masterclass in reframing estate planning from defensive preservation to intentional generational development. Because wealth doesn't fail. Preparation does.

We live in an age where sin reigns supreme, where pagan religions like Islam have gained a foothold. Families are falling apart, and birthrates are at their worst. I'm asking all men the same thing that God asked of men in ancient times: Who will go for God? Who will take a stand? Who will fight the good fight of faith again?SUBSCRIBE TO THE CHANNEL: https://www.youtube.com/@TheCombatChristian TRIVITA:Use my TRIVITA link to get started on your wellness journey: https://bit.ly/HealthyChristianCovenant Eyes: If you want to protect yourself and your loved ones from the dangers of p*rn, getCovenant Eyes: https://bit.ly/Restore-CovenantUSE CODE RESTORE30 at checkout to get your first 30 days FREE when you use the link ✅Other ways for you to support the ministry:

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald, interviewed Jocelyn Pearson. Purpose of the Interview The interview on Money Making Conversations Masterclass with Rushion McDonald and Jocelyn Pearson aimed to: Share Jocelyn’s journey of graduating debt-free by securing $126,350 in scholarships. Educate families on how to avoid student loan debt through her proven system, The Scholarship System. Dispel myths about scholarships and provide actionable steps for parents and students. Key Takeaways Scholarship System Approach Jocelyn developed a six-step process to simplify scholarship applications and avoid overwhelm. Focus on breaking the process into small, manageable steps rather than a vague “go get money” directive. Common Myths Debunked Too early or too late to apply: Start by junior year; it’s never too late—even college seniors can apply. Only perfect students or low-income families qualify: Many scholarships don’t require high GPA or athletic ability. All good scholarships are gone: Smaller, local scholarships ($500–$5,000) add up over time. It takes too much time: With a system and reusable materials, effort decreases each year. Avoiding Scholarship Scams Beware of “easy,” “enter to win,” or sweepstakes-style scholarships—they often sell personal data. Real scholarships require effort and personalization. Role of Parents Parents should help with planning and identifying legitimate scholarships but not complete applications for students. Committees can detect when parents write essays. AI in Scholarship Applications Jocelyn warns against copy-pasting AI-generated essays. Her platform introduced TESS, an AI assistant for ethical guidance and support. Financial Aid Basics Submit FAFSA even if you think you won’t qualify; some colleges and states require it. Combine all sources—government aid, institutional aid, and private scholarships. For Current College Students Check with financial aid offices, academic departments, and organizations for scholarships available after freshman year. Entrepreneurial Journey Jocelyn turned her passion into a business by starting with a book, building an email list, and launching webinars. She emphasizes persistence and ignoring naysayers. Notable Quotes “I had to accumulate my way to getting college paid for—the mere mortals’ way to going to college without tons of debt.” “Most families want scholarships, but they get stuck in the overwhelm.” “There’s no big red easy button—but with clear steps, it feels less daunting.” “We’re saying no to the broken system… It takes, on average, 21 years to pay off student loans.” “With great power comes great responsibility—AI can help, but only if used ethically.” #SHMS #STRAW #BESTSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald, interviewed Jocelyn Pearson. Purpose of the Interview The interview on Money Making Conversations Masterclass with Rushion McDonald and Jocelyn Pearson aimed to: Share Jocelyn’s journey of graduating debt-free by securing $126,350 in scholarships. Educate families on how to avoid student loan debt through her proven system, The Scholarship System. Dispel myths about scholarships and provide actionable steps for parents and students. Key Takeaways Scholarship System Approach Jocelyn developed a six-step process to simplify scholarship applications and avoid overwhelm. Focus on breaking the process into small, manageable steps rather than a vague “go get money” directive. Common Myths Debunked Too early or too late to apply: Start by junior year; it’s never too late—even college seniors can apply. Only perfect students or low-income families qualify: Many scholarships don’t require high GPA or athletic ability. All good scholarships are gone: Smaller, local scholarships ($500–$5,000) add up over time. It takes too much time: With a system and reusable materials, effort decreases each year. Avoiding Scholarship Scams Beware of “easy,” “enter to win,” or sweepstakes-style scholarships—they often sell personal data. Real scholarships require effort and personalization. Role of Parents Parents should help with planning and identifying legitimate scholarships but not complete applications for students. Committees can detect when parents write essays. AI in Scholarship Applications Jocelyn warns against copy-pasting AI-generated essays. Her platform introduced TESS, an AI assistant for ethical guidance and support. Financial Aid Basics Submit FAFSA even if you think you won’t qualify; some colleges and states require it. Combine all sources—government aid, institutional aid, and private scholarships. For Current College Students Check with financial aid offices, academic departments, and organizations for scholarships available after freshman year. Entrepreneurial Journey Jocelyn turned her passion into a business by starting with a book, building an email list, and launching webinars. She emphasizes persistence and ignoring naysayers. Notable Quotes “I had to accumulate my way to getting college paid for—the mere mortals’ way to going to college without tons of debt.” “Most families want scholarships, but they get stuck in the overwhelm.” “There’s no big red easy button—but with clear steps, it feels less daunting.” “We’re saying no to the broken system… It takes, on average, 21 years to pay off student loans.” “With great power comes great responsibility—AI can help, but only if used ethically.” #SHMS #STRAW #BESTSee omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald, interviewed Jocelyn Pearson. Purpose of the Interview The interview on Money Making Conversations Masterclass with Rushion McDonald and Jocelyn Pearson aimed to: Share Jocelyn’s journey of graduating debt-free by securing $126,350 in scholarships. Educate families on how to avoid student loan debt through her proven system, The Scholarship System. Dispel myths about scholarships and provide actionable steps for parents and students. Key Takeaways Scholarship System Approach Jocelyn developed a six-step process to simplify scholarship applications and avoid overwhelm. Focus on breaking the process into small, manageable steps rather than a vague “go get money” directive. Common Myths Debunked Too early or too late to apply: Start by junior year; it’s never too late—even college seniors can apply. Only perfect students or low-income families qualify: Many scholarships don’t require high GPA or athletic ability. All good scholarships are gone: Smaller, local scholarships ($500–$5,000) add up over time. It takes too much time: With a system and reusable materials, effort decreases each year. Avoiding Scholarship Scams Beware of “easy,” “enter to win,” or sweepstakes-style scholarships—they often sell personal data. Real scholarships require effort and personalization. Role of Parents Parents should help with planning and identifying legitimate scholarships but not complete applications for students. Committees can detect when parents write essays. AI in Scholarship Applications Jocelyn warns against copy-pasting AI-generated essays. Her platform introduced TESS, an AI assistant for ethical guidance and support. Financial Aid Basics Submit FAFSA even if you think you won’t qualify; some colleges and states require it. Combine all sources—government aid, institutional aid, and private scholarships. For Current College Students Check with financial aid offices, academic departments, and organizations for scholarships available after freshman year. Entrepreneurial Journey Jocelyn turned her passion into a business by starting with a book, building an email list, and launching webinars. She emphasizes persistence and ignoring naysayers. Notable Quotes “I had to accumulate my way to getting college paid for—the mere mortals’ way to going to college without tons of debt.” “Most families want scholarships, but they get stuck in the overwhelm.” “There’s no big red easy button—but with clear steps, it feels less daunting.” “We’re saying no to the broken system… It takes, on average, 21 years to pay off student loans.” “With great power comes great responsibility—AI can help, but only if used ethically.” #SHMS #STRAW #BESTSteve Harvey Morning Show Online: http://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

On today's program, families who lost children at Camp Mystic last year are suing Texas state officials for licensing the camp despite its lack of an evacuation plan. We'll have details. And, fundraising on commission—it may seem like a win-win scenario, but experts say the ethical issues outweigh any benefits. We'll take a look. Plus, the United Methodist Committee on Relief is closing down one of its central hubs where Methodists have been assembling relief kits since 1996 to send across the country after disasters. But first, more controversy at Bethel Church in Redding, California. The producer for today's program is Jeff McIntosh. We get database and other technical support from Stephen DuBarry, Rod Pitzer, and Casey Sudduth. Writers who contributed to today's program include Kim Roberts, Stacey Horton, Isaac Wood, David Roach, Diana Chandler, and Makella Knowles. A special thanks to Baptist Press for contributing material for this week's podcast. Until next time, may God bless you.

Tune in to I Am Refocused Radio with host Shemaiah Reed for an energizing conversation with LTC Melva Rivera Perez (Ret.), Republican candidate for Texas House District 119. As a proven leader bringing Army discipline to Austin, Melva breaks down her campaign's core mission: safer streets, stronger communities, economic opportunity, and protecting Texas values for every family. Hear why she's running now, her strategies for accountability and prosperity, and how her military background equips her to tackle real issues in HD 119. With the Republican primary on Tuesday, March 3rd fast approaching, this episode motivates listeners to get involved, vote, and refocus on building a brighter future for San Antonio and Texas.melvafortexas.comBecome a supporter of this podcast: https://www.spreaker.com/podcast/i-am-refocused-radio--2671113/support.Subscribe now at YouTube.com/@RefocusedNetworkThank you for your time. 

Families in rural areas of New York say it is increasingly difficult to find child care. According to a report from the Children's Agenda, seven rural counties in Western New York shows can be characterized as child care deserts, where there are more than three children under the age of five per licensed child care slot for children in that age group. Structural and funding issues are contributing to the challenges, and providers point to low child care educator pay as a critical factor in the availability of reliable care. So what can be done? Our guests discuss it: Pete Nabozny, director of policy for The Children's Agenda Rachel Bonsignore, executive director of Liftoff Western New York Kathleen Valley, executive board member for Praising Kids Child Care Center in Medina  Taryn Moyle, child care resource center program manager for Community Action of Orleans and Genesee, Inc. Lindsey Dailey, parent ---Connections is supported by listeners like you. Head to our donation page to become a WXXI member today, support the show, and help us close the gap created by the rescission of federal funding.---Connections airs every weekday from noon-2 p.m. Join the conversation with questions or comments by phone at 1-844-295-TALK (8255) or 585-263-9994, email, Facebook or Twitter. Connections is also livestreamed on the WXXI News YouTube channel each day. You can watch live or access previous episodes here.---Do you have a story that needs to be shared? Pitch your story to Connections.

What would it look like if aging in America came with a real plan instead of a quiet free fall? In this episode, Dr. Joanne Lynn, a longtime geriatric and hospice physician and elder-care policy leader, explains how longer lives have outpaced the systems people rely on when disability arrives. She highlights how ageism and invisible, unpaid caregiving strain families, often forcing them to drain savings before support becomes available. She also examines staffing shortages in nursing homes, limited geriatric training for clinicians, and gaps in long-term care infrastructure. Finally, she shares promising solutions, including community villages, the PACE model, and policy reforms like catastrophic long-term care social insurance and stronger local accountability. Tune in to learn how we can build a future where aging remains meaningful, supported, and dignified. Resources: Connect with and follow Dr. Joanne Lynn on LinkedIn. Visiting medicaring.org to learn more about community-based eldercare improvements. Learn more about your ad choices. Visit megaphone.fm/adchoices

Learn more about your ad choices. Visit megaphone.fm/adchoices

Feb. 27, 2026- Assembly Children and Families Committee Chair Andrew Hevesi, a Queens Democrat, talks about investing in child care workers, addressing foster care liability costs, looking out for young people in juvenile detention, and support for domestic violence services.

In this episode of the San Luis Obispo Real Estate Podcast, Hal Sweasey sits down with local estate planning attorney Ed Attala of Attala Law to break down what really happens when someone passes away without a trust. Many homeowners believe having a will is enough. It's not. Ed explains why assets over $208,850 — and most Central Coast homes — can trigger probate in California, why the process can take up to two years, and how a properly structured trust can help families avoid court, delays, and significant fees. If you own property in San Luis Obispo County, this is a conversation you should hear. ⏱ Chapter 0:00 Introduction & Guest Background 2:18 What Happens If Someone Dies Without a Trust? 5:12 When Probate Is Required in California 8:40 How Long Probate Really Takes (12–24 Months) 11:05 The $46,000 Probate Fee Breakdown 14:10 Why a Will Is Not Enough 17:05 How a Trust Avoids Probate 20:30 Other Benefits of a Trust (Incapacity Planning) 23:10 Cost of a Trust vs Cost of Probate 25:10 Final Advice for Families

Hardline exchanges over the 34 Australian women and children stuck in Syria have continued this week, with the opposition saying the group should be blocked from returning due to their ties with Islamic State. Political editor Tom McIlroy speaks to shadow minister for home affairs and immigration Jonno Duniam, who argues that the government has had a ‘hands-off' approach so far. In the lead-up to next week's return to parliament with a new shadow frontbench, the Tasmanian senator also discusses the Coalition's plan to propose laws that would make it an offence to help people linked to terrorist hotspots and organisations

You are listening to a presentation given at the 2025Michigan Conference Cedar Lake Campmeeting. We pray you will be blessed!

What do you do when your parents have 40 years of stuff in a 4,000 square foot house and they need to move to a 1,200 square foot assisted living apartment? Most families are paralyzed by this question—and Ernise Beckel has spent her career solving it.Ernise is a registered nurse with 20 years of experience who kept walking into seniors' homes and seeing the same problem: people discharged from hospitals into houses filled with clutter, creating fall hazards and overwhelming situations that nobody was addressing. Now she co-owns Caring Transitions of Eden Prairie with her mom, serving families throughout Carver County and the southwest metro.In this conversation, we get into the actual mechanics of how this works:THE PROCESS• Free consultation: 30-60 minutes, includes walkthrough and density assessment• They measure the new space and tell you exactly what will fit• SOD method: Sort, Organize, Donate, Dispose• They photograph everything and recreate familiar arrangements in the new homeWHERE THE STUFF GOES• CT Bids online auction platform reaches 300,000+ registered shoppers nationwide• About 75% of household items can be sold• Revenue split: 65% to homeowner, 35% to Caring Transitions• Items ship nationwide—not limited to local buyers like estate salesTIMELINE & PRICING• Full liquidation (selling everything): 3-4 weeks• Cleanout only (donate/dispose): approximately 1 week• Cost: $3-5 per square foot depending on density• Recommended lead time: call at least one month before you need completionWHY IT'S DIFFERENT FROM ESTATE SALES• No strangers walking through your house• No cars parked on curbs (HOA friendly)• Online bidding reaches national market• They handle ALL remaining items—nothing left behind• Items are shipped to buyers, not picked up on-siteTHE EMOTIONAL SIDEErnise talks about why she insists on meeting mom (not just the adult children), how to handle situations when the senior doesn't want to move, and why patience is essential. Her nursing background shapes everything about how she approaches these transitions.PRACTICAL ADVICEFor families avoiding the conversation: bring it up when multiple family members are present (holidays can work), focus on benefits like being closer to family or having built-in social connections, and give them time to process—this usually takes months, not days.SERVICE AREA: Eden Prairie, Chanhassen, Chaska, Waconia, Victoria, and surrounding Carver County communitiesCONNECT WITH CARING TRANSITIONS: Website: caringtransitions.comABOUT THE HOST: Greg Anderson has been selling real estate in Carver County since 1985 with over 3,000 homes sold. Living IN Carver County is his podcast connecting friends and building community through conversations with local business owners, nonprofit leaders, elected officials, and community members.Substack: HelloIamGregAnderson.substack.comLinkedIn: linkedin.com/in/gregoryranderson

Taylor and Nick's bike origins as told on Sustainability Now! on Forward Radio in Louisville, Kentucky to Host Justin Mog https://soundcloud.com/wfmp-forward-radio/sustainability-now-nick (1:11). Taylor joins Walk 'n Rollers to fix up bikes for kids https://walkmorebikemore.org (4:02). Charlie's News: The Bayview Black History Ride is happening February 28th in San Francisco https://www.sfexaminer.com/news/community/bayview-black-history-month-bike-ride-highlights-sf-culture/article_32cfbfbf-fe1f-41a2-b20f-8a12e700e7e0.html. A proposed New York law would create something of a tax-free transportation costs account https://www.wxxinews.org/local-news/2026-02-17/new-york-commuters-could-soon-be-able-to-use-pre-tax-earnings-toward-bus-fare-bike-shares-and-more. New York City's garbage problem stands in the way of vacuum snow removal https://gothamist.com/news/why-doesnt-nyc-use-a-giant-snow-vacuum-like-montreal-its-world-famous-garbage. A new bike path in Australia next to a metro line will make the city even more accessible https://cityhub.com.au/cyclists-elated-by-metroway-announcement-want-to-see-more-like-it/ (7:27). Leave a review, get your bike talk sticker (9:15). NY State Senate Bill 2025-S4045A, the “Superspeeders” bill, requires the installation of intelligent speed assistance devices in the cars of drivers who are repeatedly caught speeding https://www.nysenate.gov/legislation/bills/2025/S4045/amendment/A. Families for Safe Streets sponsors the Superspeeder laws, which have passed in 3 jurisdictions and are pending in 15 states. https://www.familiesforsafestreets.org/stop-super-speeders With Families for Safe Streets Founder and President Amy Cohen and FSS member Julie Nicholson, who leads the “Stop Superspeeders” campaign in California (10:13). NYC Mayor Mamdani “Revives Bus and Bike Lanes Killed by Adams in ‘Backroom Deals'-” https://www.nytimes.com/2026/02/12/nyregion/mamdani-bus-bike-lanes.html with Danny Pearlstein, Riders Alliance Policy and Communications Director (23:35) The history of how car dependency was sold to America, by author of Fighting traffic https://bookshop.org/a/99134/9780262516129, Street rivals, and Autonorama https://bookshop.org/a/99134/9781642832402, professor Peter Norton. Part 2 (31:35).

Who is responsible for ensuring that your pastor and their family are healthy? On this edition of Equipped with Chris Brooks, we will take time to pray for our pastors. We'll also look at a Lifeway study that examines how we can care for our pastors and their families. Don't miss an encouraging conversation on Equipped. Featured resource:Lifeway Study: Beyond the Pulpit: Equipping Church Leaders to Pursue Pastor Wellness February thank you gift:D.L. Moody: God's Bold Messenger by Faith Coxe Bailey Equipped with Chris Brooks is made possible through your support. To donate now, click here. To become 1 in 100 who supports at $1,000 (annually or $83/month), click here.

Most people spend significant time planning how to build wealth, but far fewer consider how their family would access that wealth if something unexpected happened. For Americans living in Israel who maintain U.S. brokerage or retirement accounts, that question can be more complex than it appears. The challenge usually involves authority, documentation, and cross-border procedures. From the outside, U.S. accounts often appear unchanged after someone relocates to Israel. Statements arrive, online access continues, and the accounts seem stable. That familiarity can create comfort, but it can also hide administrative challenges that surface during estate transitions. When inheritance meets two legal systems Inheritance is often assumed to be simple. A relative passes away, assets transfer to heirs, and accounts continue under new ownership. Cross-border estates rarely follow that pattern. Consider a common situation. A son lives in Israel while his parent maintains brokerage accounts in the United States. The parent passes away and the will names the son as the heir.  From the son's perspective, the next step seems straightforward. Notify the financial institution, submit documentation, and transfer the accounts. Instead, access to the accounts often stops immediately after the parent's death. Financial institutions typically freeze accounts once they receive notification. This step protects assets and ensures that only properly authorized individuals can act. At that point, the focus shifts from who should inherit the assets to who has legal authority to act on behalf of the estate. That distinction frequently creates confusion. Family expectations often rely on intent. Legal systems rely on documentation and verification. When required paperwork is incomplete or delayed, inheritance can slow significantly. Beneficiary designations and wills Many retirement and brokerage accounts use beneficiary designations on their retirement accounts. When completed correctly and kept current, they normally allow assets to transfer directly to heirs without probate. Financial institutions still require verification before releasing assets. But regular brokerage accounts don't usually have the possibility of a beneficiary designation. "What about transfer-on-death accounts (TOD)?" you might ask. If the account owner and heirs all live in the United States, that might work, but for people who live overseas, the TOD may not work and the brokerage firms may require a probated will. Probate is the court-supervised process that confirms who has legal authority to inherit assets. Depending on jurisdiction and estate complexity, it can take considerable time and delay account access. Power of attorney can create misunderstandings. While it may allow someone to manage accounts during a person's lifetime, that authority generally ends at death. Even if a family member previously helped manage accounts, that control disappears once the account holder passes away. Online account logins do not replace legal authority and continued use after death can create additional complications. Additional documentation cross-border families often face Cross-border inheritance frequently introduces procedural steps that families do not anticipate. Documents may require notarization, apostilles, or translation. Financial institutions may request tax clearance before releasing assets. Communication often involves multiple time zones and unfamiliar regulatory processes. Each requirement exists for protective and regulatory reasons. Financial institutions must verify identity, confirm authority, and comply with legal obligations. For families managing responsibilities from another country, the administrative process can still feel overwhelming. Many individuals assume that having a will resolves these challenges. A will remains an important estate planning document, but it functions within the legal system where it was created. When heirs live abroad, additional validation steps may still be required. Why inheritance paperwork often continues after assets transfer Inheritance rarely ends when accounts transfer. It often unfolds in stages that may include estate administration, account restructuring, and tax considerations across multiple countries. In the United States, estate taxes may apply depending on estate size and applicable thresholds. In Israel, receiving inherited assets may create reporting obligations depending on the circumstances. If inherited investments are later sold, capital gains rules in one or both countries may apply. Retirement accounts such as IRAs can introduce further complexity. Required minimum distributions may create ongoing reporting responsibilities and potential taxable events based on the heir's individual situation. This article is intended for educational purposes only and should not be considered financial, legal, or tax advice. Each situation involves unique factors and should be reviewed with qualified professionals. Planning that may help reduce future delays Cross-border estate planning does not eliminate complexity, but it can reduce uncertainty and help coordinate financial, legal, and administrative processes. Families who experience smoother inheritance transitions often share several habits. They periodically review beneficiary designations to confirm they reflect current intentions. They maintain organized records of accounts, financial institutions, and contact details. They revisit estate planning documents after relocating to Israel to confirm the structure remains effective. When planning evolves alongside life changes, families often encounter fewer unexpected administrative obstacles. Practical steps that may improve preparedness Americans living in Israel who maintain U.S. investment accounts may benefit from several foundational steps. Maintaining a consolidated list of accounts can help family members identify financial institutions and contact details if needed. Reviewing beneficiary designations can help confirm retirement accounts align with estate planning goals. Discussing financial account access with family members may help clarify who should contact financial institutions and which documentation may be required. These steps do not eliminate every challenge, but they may reduce uncertainty and help families navigate complex situations more effectively. Schedule a Conversation If you are living in Israel and managing U.S. brokerage or I.R.A. accounts, and you are unsure whether your investments still make sense for your situation, it may be worth taking a fresh look. You can book a free cross-border evaluation call here: https://profile-financial.com/call. It is a no pressure conversation and a chance to see whether your current setup aligns with how you live today.

America's Caregiving Crisis Is Here | Aging, Exhaustion & Political Chaos My sister had a brain tumor removed. The surgery was successful. The recovery? Brutal. Family members — daughters, friends, me — are stepping in. But here's the reality: caregiving in America is overwhelming, underfunded, and often unsupported by insurance. Daily nursing care isn't covered. Families are left to manage medications, mobility, doctor visits, and emotional breakdowns while trying to maintain jobs and lives. America is aging rapidly. Baby Boomers are entering their most vulnerable years. So who is going to care for them? We don't have a plan. We don't have enough nurses. We don't have a system built for long-term home recovery. Is the future robots? AI caregivers? Or total burnout for families? This isn't political theater. It's happening right now in homes across the country. Meanwhile, Donald Trump says members of Congress who challenged him should be arrested. The statement was posted publicly. What does that mean for democratic norms? And The New York Times reports that records tied to the Epstein files may be missing — including information involving allegations connected to Trump. What is happening with these investigations? Caregiving. Accountability. Democracy. The system strain is everywhere. The Karel Show streams live Monday–Thursday at 10:30 AM PST. Watch and subscribe at youtube.com/reallykarel Support independent media at patreon.com/reallykarel Independent voice from Las Vegas.

In this episode of Murder in the Black, we examine the chilling Seminole Heights serial shootings in Tampa, Florida — a case that left a neighborhood paralyzed by fear and ultimately led to the arrest of Howell Donaldson III.Four strangers. No connection. No clear motive. Just proximity.We break down the victims' stories, the psychological layers behind violence without motive, the investigative challenges, and the nearly six-year legal journey before Donaldson's guilty plea.We also provide updates on the cases of Na'Ziyah Harris and Celeste Rivas Hernandez, exploring the complexities of plea deals, grand jury proceedings, and what justice truly means when families are still waiting for closure.Key Topics Covered• The Seminole Heights serial murders: timeline, victims, and community impact• The psychological question: What drives someone to kill strangers?• The comparison to the D.C. Sniper and the terror of unpredictability• How fear reshapes neighborhoods and daily routines• Evidence that led to Howell Donaldson's arrest and conviction• The six-year legal process and the decision to plead guilty• The emotional toll on victims' families navigating the justice system• Update on the Na'Ziyah Harris case: guilty plea, sentencing timeline, and the ongoing search for her remains• Celeste Rivas Hernandez case update: grand jury process and investigative patienceTimestamps00:00 – Introduction: When violence has no motive00:26 – Seminole Heights and the first shooting00:59 – Community fear and escalating tension1:29 – Who was Howell Donaldson III?3:02 – Victim profiles and the randomness of the attacks4:01 – Police response and reward increases6:50 – Serial pattern and D.C. Sniper comparison9:14 – The final murder and mounting pressure12:26 – Arrest, ballistics evidence, and guilty plea19:55 – Families navigating six years of legal delays20:42 – Reflection: What ultimately drives random violence?23:50 – Update: Na'Ziyah Harris case developments32:43 – Celeste Rivas Hernandez investigation update36:21 – Broader reflection on justice, delay, and closureResources & Links• Seminole Heights Serial Murders – Case Background• Howell Donaldson III – Court Records & Sentencing• Na'Ziyah Harris – Case Update• Celeste Rivas Hernandez – Investigation OverviewFollow + Support Murder in the Black

A Growing Crisis Hidden in Plain Sight Winchester's family homelessness crisis looks nothing like what most people imagine. There are no tent encampments or visible street corners occupied by children. Instead, the crisis unfolds quietly in motel rooms, backseats of cars, and overcrowded apartments where families double up with relatives, desperately hoping their situation will improve. Chris Briganti, Executive Director of Family Promise Winchester Area, sits down with Janet Michael on The Valley Today to reveal a startling reality: 539 students in Winchester, Frederick, Warren, and Clarke County schools self-identified as homeless during the 2024-2025 school year. Since self-identification means the actual number is likely much higher, the scope of the problem becomes clear—family homelessness is Winchester's invisible emergency. "These families are not people you see on the street corner," Chris explains. "The families we are helping are your neighbor next door. They are your friends who you probably don't know about because they've gotten very good at hiding and covering it up. You would have no idea that it's your bank teller or the person checking you out at Walmart." From Growth to Impact: A Year of Transformation Family Promise Winchester Area has undergone significant changes since its inception in 2022. After beginning to serve families in 2023, the organization hired Chris as their first executive director in July 2025. Furthermore, they recently updated their name from Family Promise of Northern Shenandoah Valley to avoid confusion with their neighboring affiliate in Shenandoah County. However, the most remarkable transformation has been in their impact numbers. During all of 2025, Family Promise moved 28 families into new homes and prevented 13 evictions, serving approximately 80 children total. In contrast, by mid-February 2026—just six weeks into the new year—they had already moved seven families into housing and prevented 11 evictions, helping 45 children. That's more than half of their entire previous year's impact. "Data is everything," Chris emphasizes. "Not only is it important for advocacy, but I think one of the basic things we owe our donors and society as a nonprofit organization is to let them know where that money is going." The Help Us Move In Fund: Small Investments, Enormous Returns At the heart of Family Promise's success lies their "Help Us Move In" (HUME) fund, which provides direct financial assistance to families teetering on the edge of homelessness. The program's efficiency is staggering: it costs approximately $500 per child to secure stable housing. "Maybe they need help making the first month's rent, or maybe there's back rent and they've done everything," Chris explains. "Sometimes all we have to do is help with $500. Give that to the landlord for rental arrears, and then that family will never need assistance again." The fund recently received a transformative boost when Opequon Presbyterian Church donated $20,000 as part of their capital campaign. Chris admits he "almost fell out of his chair" when he opened the envelope. Every penny of that donation goes directly to landlords or utility providers—never into families' pockets—eliminating concerns about misuse of funds. Moreover, the organization carefully vets applicants, reviewing rent ledgers from the past year and analyzing family finances. They ask critical questions: Are families missing rent every month, or is this truly a one-time crisis? Are they spending responsibly? This scrutiny ensures limited resources go to families who will succeed with just a bit of help. The Invisible Population: Who Needs Help and Why Contrary to stereotypes about chronically homeless populations, Family Promise increasingly serves families who have never needed assistance before. These are federal contractors laid off from their jobs, workers who fell ill and couldn't maintain employment, or families facing the cascading effects of a government shutdown. "These are families that have worked a good job for a long time, who have never had to ask for assistance in any way, shape, or form," Chris notes. "But they lose their job—a lot of federal contractors have been laid off—or they get ill and can't work." Janet adds an important clarification: "I think that's a big misconception. The general public thinks these federal contractors are making multimillion dollars a year, and that is not the case. They are not making much more above minimum wage than the rest of us. They're living paycheck to paycheck, especially with cost of living going up so much." Additionally, these families often fall into a frustrating gap. They make too much money to qualify for traditional social services, yet not enough to escape the motel cycle, where families pay $2,000 monthly for temporary housing while being unable to save for first month's rent and security deposits on permanent apartments. The Devastating Impact on Children The conversation takes a sobering turn when Chris discusses the research on childhood homelessness. The statistics paint a grim picture of generational trauma and lost potential. Recent studies reveal that housing instability—even when families are "doubled up" with relatives rather than literally on the streets—produces effects on children comparable to outright homelessness. Meanwhile, a 2018 Minnesota study found that 36% of adults experiencing homelessness first became homeless at or before age 18. The physiological impacts are equally alarming. Infants born the year before or after their mother enters an emergency shelter show higher rates of low birth weight, hospitalization, and emergency room visits compared to other low-income infants. These children face increased risks of asthma, chronic illnesses, and developmental delays. When homelessness lasts more than six months, children from infancy to age four experience significantly higher risks of developmental delays and hospitalization. "How do you pay attention when you're hungry?" Chris asks. "How do you pay attention when you don't know where you're going to do your homework tonight? How do you pay attention when you're sitting in class wearing the same clothes you wore the day before?" Furthermore, emerging research in epigenetics suggests that environmental trauma can literally alter gene expression—changes that can then be inherited by the next generation. Childhood poverty costs the nation upwards of a trillion dollars annually, yet early interventions like Family Promise's programs deliver a four-to-nine-dollar return on every dollar invested. "When we invest early in these childhood interventions, which is what Family Promise is all about, we help stop a cycle," Chris emphasizes. "We all do better when children have a safe place to live." The Housing Crisis and Creative Solutions Winchester's affordable housing shortage presents one of Family Promise's biggest challenges. Nevertheless, the organization has built strategic partnerships with landlords and apartment complexes who understand their mission. These partnerships prove mutually beneficial. Landlords allow Family Promise families to move to the front of the waiting list, knowing the organization carefully vets applicants and provides ongoing case management. Some landlords even reduce rent slightly for families working with Family Promise, recognizing the reduced risk. "Landlords, that's huge for us," Chris says. "We're working with these families. We're keeping a tight eye on them, and so it limits risk for landlords." Looking ahead, Family Promise is conducting a feasibility study for a standalone shelter facility, though that goal remains years away. In the meantime, they're exploring leasing apartments directly to families to create a more immediate shelter program. Currently, families living in cars receive limited emergency assistance while the organization rushes to secure permanent housing. Beyond Housing: Comprehensive Support Services While housing assistance forms the core of their work, Family Promise offers additional support to address the secondary crises that often push families into housing instability. The organization provides up to $500 for vehicle repairs, recognizing that transportation access often determines whether families can maintain employment. They offer up to $250 for back property taxes and supply bus passes when needed. Additionally, they provide up to $300 per family for afterschool childcare, removing another barrier to employment stability. "All of this is designed to figure out what's that bump, get them over that hill, and then let them live smoothly," Chris explains. Faith-Rooted, Universally Welcoming Family Promise Winchester Area's relationship with faith communities reflects a thoughtful balance. The national Family Promise network originated in 1988 with founder Karen Olsen's rotating shelter model, where families moved between different church host sites—similar to how Winchester Area Temporary Thermal Shelter (WATTS) operates today for individuals. Church partners remain essential to the organization's funding and volunteer base, with Opequon Presbyterian's recent $20,000 donation exemplifying this support. However, while Family Promise is driven by interfaith values like compassion, love, and empathy, their programming itself remains secular. "We believe in compassion, love, empathy, helping the meek, but our programming itself is not faith-based," Chris clarifies. "We serve all families of all compositions. It doesn't matter what religion you are. There is no expectation that you'll have to go to church on Sunday in order for us to cover your rent." The organization defines family through the child's perspective: whoever the child sees as family is their family, regardless of composition. Any family with a minor child or expecting a child who lives in Winchester, Frederick, Warren, or Clarke County qualifies for services. How the Community Can Help As the conversation concludes, Chris issues a call to action for the Winchester community. Family Promise needs landlords willing to work with their families, volunteers offering even two hours of time, and financial donations of any size. "I'll get a check for $5 and people apologize, saying 'I'm sorry it's not more,'" Chris shares. "$5 makes a real difference. If you get a hundred people giving you $5, that's $500—that's one family we were able to prevent from an eviction." Beyond monetary donations, simple actions make an impact. Following Family Promise Winchester on Facebook and liking or sharing their posts helps algorithms spread awareness. Every share brings Winchester's "best kept secret" a little closer to the visibility it needs. For families needing assistance, the process starts at www.familypromisewinchester.org, where a program application allows quick assessment and entry into the case management system. Time sensitivity matters—many situations require immediate intervention. For everyone else—donors, volunteers, landlords, or simply concerned citizens—the website offers multiple ways to engage. The organization can be reached at (540) 323-8038 or info@familypromisewinchester.org. A Story That Needs Telling Perhaps the most powerful moment in the conversation comes when Chris describes a family currently receiving assistance: "The first thing the mother said to us is, 'We went from taking vacations to living in a motel.' All it took was an illness, a layoff, and that's where they are." This narrative shatters assumptions about who becomes homeless and why. It reminds listeners that family homelessness isn't about moral failing or poor choices—it's about an unforgiving housing market, stagnant wages, inadequate safety nets, and the reality that most Americans live far closer to financial catastrophe than they realize. Ultimately, Family Promise Winchester Area offers something rare and valuable: a proven intervention point where modest investment prevents catastrophic outcomes. At $500 per child, the Help Us Move In fund doesn't just house families—it preserves childhoods, protects development, prevents trauma, and breaks generational cycles of poverty. "We have to stop this because it's just so expensive," Chris concludes, referencing both the human and economic costs. "When we invest early in these childhood interventions, we help stop a cycle, and we also help everybody in society." Winchester's invisible crisis demands visible action. Family Promise Winchester Area has built the infrastructure, demonstrated the results, and proven the model works. Now they need the community's support to scale their impact and ensure no child in the region goes to sleep wondering where they'll wake up tomorrow.

Tony Barry and Barrie Cassidy examine the divisive political debate over the future of the 34 Australian women and children languishing in a Syrian detention camp. They also discuss why capital gains tax is becoming a real pressure point for Labor, Anthony Albanese's careful words for One Nation voters and why there's a proliferation of polls

Child poverty activists say families are having to make impossible decisions and go without life's essentials following the release of new Stats New Zealand data. The agency says one in seven kids are living in material hardship according to research conducted between July 2024 and June last year. The government says reducing child poverty is a priority and that they are making changes to improve the lives of families. Nick James reports.

What if the missing ingredient for your healthiest, most supported pregnancy isn't another test or appointment?If you've ever wondered what your pregnancy truly needs—physically, emotionally, and even spiritually, midwifery might be the answer. Midwifery is one of the oldest and most trusted forms of care, rooted in empathy, connection, and whole-body support.For centuries, midwives were the natural choice for guiding people through pregnancy, birth, and postpartum care. But over time, this practice fell out of the mainstream as hospital-centered care took over.Now, midwifery is experiencing a powerful resurgence—and with good reason.Families are rediscovering the unique benefits midwives bring.However, making this decision can feel overwhelming and confusing, even against what we've been taught about giving birth.That's why we're so glad to chat on IG Live with Catalina Clark, a midwife of healing. During this Live, we're going to discuss giving birth at home, the benefits of midwives, the natural rhythms of labor, and so much more. Learn more about Catalina's services: https://midwifeofhealing.com/Get tested for BPA, phthalates, parabens, and other hormone-disrupting chemicals with Million Marker's Test Kit: https://www.millionmarker.com/

The Prime Minister has walked back a comment where he labelled former Australian of the Year Grace Tame as 'difficult'; Families of Australian diplomats in Israel and Lebanon have been advised to leave, as the government cites unpredictable security tensions in the Middle East; The two men charged with kidnapping and murdering an elderly grandfather have fronted court in Sydney; Tributes have flowed to Real Housewives of Salt Lake City star Mary Cosby following the death of her son. THE END BITS Support independent women's media Check out The Quicky Instagram here GET IN TOUCHShare your story, feedback, or dilemma! Send us a voice note or email us at thequicky@mamamia.com.au CREDITS Host: Taylah Strano Audio Producer: Lu Hill Become a Mamamia subscriber: https://www.mamamia.com.au/subscribeSee omnystudio.com/listener for privacy information.

Chris Scheetz, a longtime broadcaster and speaker from Thorsby, Alta., who has been named CCMA’s Personality of the Year five times over the course of his career, closed out the Crossroads Crop Conference in Edmonton, Alta., with a message rooted in small-town values and the enduring strength of the family farm. Speaking with RealAgriculture following... Read More

The decision to grant parole to a California man convicted of three consecutive life sentences on 16 counts of kidnapping and child molestation in 1999 has ignited a wave of anger and disbelief among his victims. Many describe him as “a monster,” saying the ruling disregards the lifelong trauma he caused. Families who fought for years to keep him behind bars now fear for their safety and are calling out California's Elderly Parole law that allows people 50 years and older who have served 20 years to receive parole. Please Like, Comment and Follow 'Broeske & Musson' on all platforms: --- The ‘Broeske & Musson Podcast’ is available on the KMJNOW app, Apple Podcasts, Spotify or wherever else you listen to podcasts. --- ‘Broeske & Musson' Weekdays 9-11 AM Pacific on News/Talk 580 AM & 105.9 FM KMJ | Facebook | Podcast| X | - Everything KMJ KMJNOW App | Podcasts | Facebook | X | InstagramSee omnystudio.com/listener for privacy information.

For young patients with TBIs and their families, challenges persist after hospital discharge.On the podcast, guests discuss how they address barriers associated with this transition. We'll hear perspectives from both sides of that transition: Taryn Townsend at Texas Children's Hospital, and Melaney Grenz, who worked for nearly three decades in the schools and as part of the Oregon TBI team. Grenz joins this conversation from the Center on Brain Injury Research and Training—or CBIRT—which is part of the University of Oregon.Townsend and Grenz discuss how clinicians may engage with schools, the role of brain injury management teams, and common questions from parents.Learn More:How Social Determinants of Health Shape TBI Recovery in ChildrenASHA Voices: Supporting Families of Children With Disorders of ConsciousnessASHA Voices: Overcoming Barriers on Families' Journey From NICU to HomeASHA Practice Portal: Pediatric Traumatic Brain InjuryCBIRT: Return to School

I'm your China travel guide, Missionary Ben. Follow me on Twitter/X (@chinaadventures) where I share a new Chinese city or county to pray for every single day. Please send any questions or comments to our new, secure email: chinacompass@privacyport.com. You can also find China Compass on Patreon (https://www.patreon.com/c/chinacompass), which allows for donations as well as podcast “collections.” Last but not least, nearly everything else we are involved in can be found at PrayGiveGo.us! Why the Prison Pulpit? The goal is to remind people to pray for persecuted believers as Hebrews 13:3 teaches: “Remember those who are in prison, as bound with them.” We’ve looked at Wang Yi and Early Rain Church’s writings in the aftermath of their arrest and attack in 2018, but I’ve also regularly turned to other persecuted ministers who have gone before, such as Richard Wurmbrand, to give us a voice literally from prison. This week we are at a camp in Thailand for MKs; that is, missionary kids. Our youngest daughter is participating and it strikes me how fast the time has gone… I crossposted today's podcast to my Substack, if you'd like my notes: ChinaCall.Substack.com Follow China Compass Thank you for listening! Subscribe and leave a review on your favorite podcast platform! There’s also a donation link at PrayforChina.us if you’d like to support our China ministry. For everything else, visit PrayGiveGo.us. Hebrews 13:3: Remember those who are in prison, “as bound with them”!

Last night's State of the Union wasn't just a speech—it was a generational political moment. Donald Trump delivered a message Americans needed to see: safety for citizens comes first, and Democrats' priorities were laid bare. From sanctuary cities protecting criminals to tragic stories of victims of illegal immigrant crimes, Republicans stood and applauded, while Democrats sat and glared. Every segment of this speech was designed for viral social media impact, one-minute clips capturing reactions and exposing stark contrasts. Plus, jaw-dropping updates on trade, jobs, and inflation make this episode a must-hear for anyone following American politics.

In this episode of Keep it Humane: The Podcast, Daniel Ettinger and Ashley Bishop sit down with Dr. Doonerstag, DVM, for an insightful conversation exploring the critical role veterinarians play in animal welfare, shelter medicine, and community-based care.Dr. Doonerstag shares perspectives from the veterinary field on some of the most complex challenges facing animal control agencies and shelters today — from medical decision-making and capacity for care to collaboration between veterinarians, animal control officers, and shelter professionals. The discussion dives into how veterinary expertise supports humane outcomes, improves field response, and helps agencies balance compassion with practical realities.Together, we explore the evolving relationship between animal control and veterinary medicine, the importance of communication across disciplines, and how partnerships can better serve both animals and the communities we protect.Whether you're an animal control officer, shelter professional, veterinarian, or advocate, this episode offers thoughtful insight into how working together — across roles and perspectives — helps us truly keep it humane.

In this expansive and deliberately contrarian episode, Jesse takes on annuities—not with a sales pitch or a blanket dismissal, but by putting them under a rigorous planning lens rooted in risk, probability, and real retirement outcomes. He begins by laying out what annuities actually are, clearly separating fixed annuities from their variable cousins, and explaining why high fees, capped upside, illiquidity, and poor expected returns make most annuity products deeply unattractive. From there, Jesse zeroes in on the one annuity type he considers intellectually defensible in narrow circumstances: the single premium immediate annuity (SPIA), framing it not as an investment but as insurance against longevity and sequence-of-returns risk. The heart of the episode introduces the concept of ergodicity and uses vivid examples to show how retirement planning is fundamentally non-ergodic, dominated by tail risks, bad timing, and one irreversible life path. Through this lens, annuities are reframed as a tradeoff: a high probability of modest financial loss in exchange for protection against a low-probability but catastrophic retirement failure. Jesse closes by emphasizing that annuities, when used correctly, dull both the upside and the downside—reducing the chance of ruin at the cost of lower lifetime wealth—and that whether that trade is worth making depends not on averages or rules of thumb, but on an individual's specific risks, values, and tolerance for uncertainty. Key Takeaways: • Most annuities are expensive, illiquid, and poorly designed. Annuities are insurance products, not investments. • SPIAs are the simplest and most transparent annuity structure. SPIAs insure against longevity and sequence-of-returns risk. • Retirement planning is a non-ergodic problem. Average outcomes do not reflect individual retiree experiences. • Monte Carlo averages can hide catastrophic failures. • Annuities pool longevity risk across many people. Most annuity buyers will "lose" financially on average. • The annuity decision is a personal risk-management choice, not a math trick. Key Timestamps: (01:39) – Diving into Annuities (07:39) – Understanding Variable and Fixed Annuities (15:38) – Risks and Protections of Annuities (19:58) – Single Premium Immediate Annuities (SPIAs) (26:24) – Understanding Ergodic Systems (30:36) – The 4% Rule and Sequence of Returns (34:44) – Tail Risks and Longevity in Retirement (46:52) – The Role of Annuities in Retirement Planning Key Topics Discussed: The Best Interest, Jesse Cramer, Wealth Management Rochester NY, Financial Planning for Families, Fiduciary Financial Advisor, Comprehensive Financial Planning, Retirement Planning Advice, Tax-Efficient Investing, Risk Management for Investors, Generational Wealth Transfer Planning, Financial Strategies for High Earners, Personal Finance for Entrepreneurs, Behavioral Finance Insights, Asset Allocation Strategies, Advanced Estate Planning Techniques Mentions: https://www.fortunesandfrictions.com/post/one-in-a-quadrillion https://bestinterest.blog/e127/  More of The Best Interest: Check out the Best Interest Blog at https://bestinterest.blog/ Contact me at jesse@bestinterest.blog Consider working with me at https://bestinterest.blog/work/ The Best Interest Podcast is a personal podcast meant for education and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.

This hour Jason wonders if Minnesota is still a good place to raise a family, and why there is a separation of metro vs. rural Minnesota, and he discusses tonight's State of the Union with Political Commentator Chris Cillizza, and he's joined by Vineeta Sawkar from Florida.

Episode #194: In this episode, Kimberly Lovi interviews Stephanie Luciano Novo about Epidermolysis Bullosa (EB), a rare genetic skin disease. They discuss the impact of EB on children and families, Stephanie's personal connection to the cause, and the community's efforts to raise awareness and funds for research. The conversation highlights the advancements in treatments and the importance of community involvement in fundraising events like the plunge. The episode emphasizes the urgency of finding a cure and the inspiring resilience of those affected by EB. Chapters 00:00 Introduction to Epidermolysis Bullosa (EB) 06:06 Personal Connection to EB and Community Involvement 12:08 Understanding the Impact of EB on Families 18:03 The Role of Fundraising and Community Events 23:57 Advancements in EB Research and Treatments 29:54 Call to Action and Community Engagement Follow Kimberly on IG: @kimberlylovi EBRB (EB Research Partnership) https://www.instagram.com/ebresearch/     Matter of Time Film https://www.instagram.com/matteroftimefilm/   Matt Finlin - Director of Matter of Time https://www.instagram.com/mattfinlin/   Eddie Vedder, Pearl Jam frontman, is a co-founder of EBRP  https://www.instagram.com/eddievedder/   Jill Vedder - ChairWoman at the EB Research Partnership https://www.instagram.com/jill.vedder/   The official Plunge For Eoldie - Plunge for EB account https://www.instagram.com/plungeforelodie/  

Ahmad Sharawi and Bill Roggio discuss the closure of Al-Hol camp in Syria, warning that releasing ISIS-affiliated families risks resurgence due to deep radicalization and lack of oversight. 13.1925 SYRIA

Trump raises global tariffs to 15% after a 6–3 Supreme Court ruling limits his authority. The panel debates executive power, Congress's role in taxation, economic impact, and whether tariffs are working or setting up a constitutional showdown over trade policy.

We are back from our Palm Springs retreat, and feeling so lit up to share what we felt and observed in our magical container! In this episode, we dive into the deeper themes that are surfacing during this powerful transitional time. As we move closer to 2027 and the energetic shift into a new paradigm, we explore what it means to consciously "midwife" change—both collectively and in our personal lives. From redefining leadership and healing romantic partnerships to understanding Human Design bonding mechanics like Penta and Wa dynamics, this conversation weaves together vulnerability, growth, community, and the courage to evolve without abandoning ourselves. If you've been feeling the crumbling, the intensity, or the call to deeper connection, this episode is your reminder: you are not alone—and your growth matters.   Key Takeaways:   Why we are midwifing a New Paradigm as old systems crumble, and how we're being called to hold multiple truths at once: rage and love, grief and hope, fear and expansion. The power of conscious community (Wa) and small group dynamics (Penta)—and why understanding the energetic differences between partnership, family Penta (3–5 people), and larger Wa groups can be life-changing. Why many women are experiencing rapid emotional and spiritual growth and feeling the tension of "outgrowing" their partners—and how to navigate that space without ego, judgment, or self-abandonment while honoring your own evolution. How leadership is being reimagined in the New Paradigm, and why emotional intelligence, vulnerability, collaboration, and heart-led strength are rising as powerful forces in this next era. Partnership as a spiritual practice. Why true conscious partnership, whether romantic or business, isn't about sameness but about loving across differences, healing ego, and allowing relationships to make you more alive, not smaller. Why Human Design bonding mechanics matter now more than ever, and how these advanced dynamics offer profound clarity for navigating relationships in both our personal and professional lives.   64 Gates & Gene Keys Mastery Course   FREE Transits & The Harmonic Gate Mini-Course FREE Human Design Readings 101 Masterclass   Book a Reading With Us Here!   EXPLORE LUNYA Use code: DAYLUNA for 15% off   Human Design Chart Software: BodygraphChart.com Use code: DAYLUNA for 50% off your first 12 months!   Get our book: Your Human Design! Online Human Design Reader Training Digital Products & Video Courses daylunalife.com Instagram: @‌d.a.y.l.u.n.a

SPECIAL GUESTS Brooke and Tess of Psych Legal Pop Podcast join us this week to catch up on what the Brown - Woolley & Co. Families have been up to, as well as the deepest of weekly dives on any and all things SISTER WIVES!SHOW LINEUP:-An Off Season KIKI with Brooke and Tess!-Cooking with Christine (and David...apparantly)-That Padron MERCH that nobody asked for-Taeda Farms progress-We hold space for Meri's press tour-Salty Birches hoodie merch series continues-A check in with MSWC and Robyn's gridCheck out Psych Legal Pop Podcast here!!!https://podcasts.apple.com/ca/podcast/psych-legal-pop-podcast/id1646287507LEAVE US A VOICEMAIL AND SHARE YOUR THOUGHTS!https://www.speakpipe.com/lovetohateSnark and sarcasm is highly encouraged as we see what our favorite family is up to, as well as a dip into the latest pop culture news and highlights. Subscribe on YouTube, Patreon, and your favorite podcast app!Please like and subscribe on Youtube!Join our private Facebook Group "We Love to Hate Everything"Coming up this week on Patreon:patreon.com/lovetohatetv + patreon.com/trpod*THE ENTIRE BACKLOG OF AMANDA LOVES TO HATE TEEN MOM IS AVAILABLE FOR only $3*WE LOVE TO HATE TV*Tier 1+: Frasier S6 E14 "Three Valentines”*Tiers 2+: Sister Wives S16 E2 "Four Wives, Three Fires"TOTAL REQUEST PODCASTFrasier S6 E14 "Three Valentines"GIRL DINNERGirl Dinner Episode 81 “Unexpected & Love is Blind”CHECK OUT AMANDA'S OTHER PODCAST POD AND THE CITY!!! Available on Itunes/Spotify etc, Youtube, and Patreon! Hosted on Acast. See acast.com/privacy for more information.