Podcasts about gifting

For fifteen years, the estate planning playbook said the same thing: get assets out of your estate before you die. That advice made sense when the exemption was $5 million. It makes a lot less sense now that it's $15 million per person and $30 million per married couple, and permanent.In the first episode of our six-part Tax Alpha Protocol series, David Chudyk, CFP®, is joined by wealth strategist Cliff Morgan, founder of Net Worth Accelerant. They break down what the One Big Beautiful Bill Act actually locked in, the SALT deduction trap hiding between $500K and $600K of income, and why gifting appreciated assets during your lifetime can quietly hand your heirs a seven- or eight-figure capital gains bill.In This EpisodeThe federal estate exemption is $15M per person ($30M per couple) for 2026 and permanent. For most families, capital gains is now the bigger threat.Gifting appreciated assets during life passes along your low basis. Assets inherited at death get a step-up in basis.If your MAGI sits between roughly $500K and $600K, the SALT phase-out can push your marginal rate into the mid-to-high 40s.The expanded SALT cap expires January 1, 2030. Plan around it now, not in 2029.Residents of states with their own estate tax, and business owners with valuable companies, may need a custom strategy.Donate appreciated securities directly; never sell first and donate the cash.What the One Big Beautiful Bill Act Locked InSigned on July 4, 2025, the One Big Beautiful Bill Act (OBBBA) removed the cliff that had high-net-worth families scrambling. Instead of the estate exemption falling to roughly $7 million per person when the Tax Cuts and Jobs Act sunset, it rose to $15 million per person for 2026 and will be indexed for inflation going forward.Income tax brackets are permanent: 10%, 12%, 22%, 24%, 32%, 35%, and a top rate of 37% (instead of reverting to 39.6%).Bracket creep protection: bracket thresholds keep adjusting for inflation every year, so a cost-of-living raise doesn't automatically push you into a higher bracket.Charitable cash gifts: the 60%-of-AGI limit is now permanent. But starting in 2026, itemizers only get a deduction for contributions above 0.5% of AGI, and corporations only above 1% of taxable income (still capped at 10%).The Asterisk: State Estate TaxesThe federal number isn't the only number. Roughly a dozen states plus Washington, D.C. levy their own estate tax with far lower exemptions, as low as $1 million in Oregon. If you live in one of them, you need a custom strategy.And business owners get there faster than they think. David raised the point on air: a company doing a few million in revenue with healthy EBITDA can be worth $7–9 million on paper, even if you don't have anywhere near that in cash. Add a couple of well-funded 401(k)s and a house, and a "huge" state exemption stops looking so huge.The SALT "Squeeze Zone"The state and local tax (SALT) deduction cap jumped from $10,000 to $40,000 for 2025 ($40,400 for 2026), rising 1% a year through 2029. That's real money for people who itemize. But there are two catches.Catch #1: the income test. Once your modified adjusted gross income passes roughly $500,000, you lose 30 cents of that extra deduction for every dollar you earn above the threshold, until you're back down to the $10,000 floor at around $600,000. Inside that band, your effective marginal rate spikes.Catch #2: the expiration date. On January 1, 2030, the expansion disappears and the cap drops back to $10,000 for everyone.Cliff's example: a specialist earning around $500,000 agrees to pick up one extra ER shift. Because every extra dollar also shrinks their SALT deduction, the federal tax on that shift lands in the mid-to-high 40% range. Nearly half the shift, gone. The fix is planning ahead: maximizing pre-tax retirement contributions and timing deductions to keep MAGI below the phase-out while the window is open.Carryover Basis vs. Step-Up in BasisThis is the heart of the episode. Two sections of the tax code have worked the same way for decades. What changed is the context around them.Section 1015 (lifetime gifts): if you give an asset while you're alive, the recipient inherits your original cost basis, along with every dollar of unrealized gain.Section 1014 (inheritance): if that same asset passes at death, the basis resets to fair market value on the date of death. The built-up gain isn't deferred. It's gone.David's illustration: $10,000 invested in Microsoft roughly 40 years ago would be worth about $62 million today (past performance is not indicative of future results). Gift those shares to your kids while you're alive and they're holding a $10,000 basis. If they sell, the federal capital gains tax alone runs well north of $10 million. Leave the shares to them at death, and that gain is wiped clean.When the estate tax kicked in at $2 or $5 million, paying that basis cost to dodge a 40% estate tax often made sense. At $15 to $30 million, the math has flipped for the overwhelming majority of families."Don't let 2017-era tax anxiety drive a 2026 decision. The law changed, the threats changed, and the playbook has to change with it." David Chudyk, CFP®Three Filters Before You Gift an AssetHow much growth has already happened? A low-basis asset that has already done most of its appreciating usually favors holding until death. Gifting it just turns a future tax-free event into a taxable one.How much room is left to run? Early-stage assets, like pre-IPO equity or a young, fast-growing business, can be better lifetime-gift candidates, but only if moving that future growth out of your estate actually changes your outcome.Are you charitably inclined? Gifting appreciated securities directly to a charity or donor-advised fund can be the cleanest move on the board: no capital gain, a fair-market-value deduction, and no basis problem. Just don't sell first and donate the cash, which gives up the benefit.The "Wrong" Financial Decision Can Be the Right Life DecisionNot every choice should be optimized for taxes. Paying a grandchild's tuition or helping with a first car while you're here to see it can be worth a tax bill. As David puts it: don't make every decision based on taxes, and don't make decisions without considering taxes. Your health, life expectancy, and goals all belong in the conversation.Doing Some of Both: Securities-Backed Lines of CreditSometimes it doesn't have to be either/or. A securities-backed line of credit lets you borrow against a portfolio instead of selling it, so you can help family now without realizing the gain, while the shares can still receive a step-up at death. The loan is repaid from the estate, and Cliff noted that life insurance can be used to replace that amount for heirs if you're insurable.It's a tool, not a free lunch: you pay interest, market drops can trigger collateral calls, and a large gift to a family member still counts as a gift for reporting purposes. This is exactly the kind of move to model with an advisor before you pull the trigger."If you really know how the game is played and you can play the game, it's truly to your advantage." Cliff MorganWho Not HowDavid closes with one of his favorite ideas from Dr. Benjamin Hardy and Dan Sullivan's Who Not How: when you face a complex problem, ask "who can help me solve this?" instead of "how do I figure this out myself?" A surgeon, a business owner, or any high earner creates the most value doing what they're trained for, not reading the tax code at midnight.Your Vision Deserves 10 MinutesNot sure whether to gift now, hold for the step-up, or do some of both? Book a free Vision Call with David and talk through your situation at the 30,000-foot level. Schedule your Vision CallOwn a business? Find out what it's really worth to a buyer, and how that value affects your estate, with the free Sellability Score.The Tax Alpha Protocol SeriesPart 1: The One Big Beautiful Bill Act, estate exemptions, and step-up in basis (this episode)Part 2: Deconstructing active income offsets and real estate tax trapsPart 3: Complex exit liquidity and private contract trust structuresPart 4: The state income tax nexus trap and remote work liabilitiesPart 5: The generational tax bomb and wealthy psychologyPart 6: Alternative liquidity and the family office triadAbout Cliff MorganCliff Morgan is a wealth strategist and the founder of Net Worth Accelerant. After years helping Fortune 500 companies cut costs and build new revenue streams, he moved into finance and commercial real estate and has spent more than five years working with a family office, learning the strategies and mindset of generational wealth.Find Cliff on...

What are Meta partnership ads, and how should a DTC brand test them before Q4? They run through a creator's handle with your brand tagged, so Meta combines both accounts' engagement signals, and Pilothouse typically sees lower CPMs on them than on ads from the brand handle alone.Jacob Geary runs Meta accounts at Pilothouse and joins Eric Dyck on All Killer No Filler to lay out how partnership ads work in practice. On the larger accounts his team runs, 30 to 50% of the ads now go out as partnership ads, and most of the creators behind them are micro-creators. You walk away with a test plan for a brand spending $50K to $100K a month on Meta: the budget, the number of creators, the formats to brief, and the metrics that decide what scales.Get the DTC Newsletter: https://directtoconsumer.coWHAT YOU WILL SOLVEYour customers have seen your brand ads so often they scroll past them. The same message from a creator's handle, with your brand tagged, gives them a fresh face and tends to deliver at a lower CPM.You don't know where to find creators. The Partnership Ads Hub inside Meta suggests creators in your vertical, surfaces people already posting about you, and hands you the ad code once both sides approve.You don't know what to brief. Jacob's starting formats are "why I switched" problem and solution videos, holiday gift guides, and raw unboxings shot on a phone.You don't know what to pay. Jacob's range is $100 to $300 per creator for a few videos and 60 days of usage, and some creators will take the exposure from your ad spend without a fee.You assume you need big names. Micro-creators make up 80 to 90% of what Pilothouse runs, with performance Jacob describes as very similar and a faster testing cadence.Your Q4 creator ads die the day the sale ends. Brief creators three to four weeks ahead and have them mention the sale in general terms instead of reading out a discount and a date.You don't know how big the first test should be. At $100K a month on Meta, Jacob puts 10% toward three to five creators with one or two videos each, then builds toward 20% by month three.You're not sure how to judge the results. Use the same purchase conversion rate and ROAS benchmarks as any new creative test, with a little more patience in month one.ABOUT JACOBJacob Geary is a Meta media buyer at Pilothouse, the performance marketing team behind DTC, where he runs paid social for ecommerce brands. To talk partnership ads with his team, go to https://pilothouse.co and ask for Jacob.STAY CONNECTEDDTC Newsletter, daily ecommerce marketing and ecommerce growth tactics: https://directtoconsumer.coYouTube: https://youtube.com/@dtcnewsletterLinkedIn: https://linkedin.com/company/directtoconsumer00:49 Intro: Jacob from Pilothouse on Meta partnership ads01:28 What partnership ads are, versus whitelisting and dark posts02:53 The Partnership Ads Hub as a creator discovery network03:53 Why they matter: combined signals and ad blindness05:17 Are partnership ads incremental?06:30 Why partnership ads get cheaper CPMs07:34 Fresh looks, Andromeda and ad sequencing08:59 Formats that work: why I switched, gift guides, unboxings10:30 Gifting angles for each creator's audience11:24 Usage rights and how creators get paid12:10 Deal structures: affiliate, paid per video, or free13:32 Planning creator volume for Q415:40 Briefing sale language that won't expire16:12 What share of Meta ads run as partnership ads17:37 Test budgets for brands just starting out19:38 Micro-creators versus mega-influencers21:17 Post-click: when a dedicated landing page earns the build22:06 Creator communities and leaderboards23:06 Setup steps, and why to get permissions before November25:11 A test plan for a $5M brand spending $50K to $100K a month27:58 The metrics that decide a winner29:43 Close and how to reach Jacob

Most charitable giving happens in the last three weeks of December. Most of what determines its tax treatment gets decided long before that. Matt Landon, CFP®, sits down with Larry VanLandingham, CFP®, to talk through what changes when giving becomes part of the plan instead of a year-end decision. They cover why appreciated stock is usually a better gift than cash, how a donor-advised fund lets you take the deduction now and direct the money later, and how bunching several years of giving into one high-income year works for a business owner selling a company. They also walk through the qualified charitable distribution, still available at 70 and a half even as required distribution ages keep moving, and why the same million dollars leaves behind very different amounts depending on whether your children or your charity receives the IRA. Written for pre-retirees, retirees, and families thinking about what they want to leave behind. Key Takeaways: Charitable giving works better as a planning decision, and September leaves options that December does not. Gifting appreciated stock instead of cash can keep the capital gains tax off the growth entirely. A donor-advised fund moves ownership out of your name now while you keep control of which charities receive the money and when. Bunching several years of giving into one high-income year can produce a large itemized deduction now and the standard deduction in the years that follow. A qualified charitable distribution is available at 70 and a half, counts toward your required distribution, and never shows up as income. Leaving the IRA to charity and the taxable account to your children can hand both more than doing it the other way around.

Chris’s Summary Jim and I discuss five common power of attorney mistakes flagged in an estate planning attorney’s article, along with points from Peter Scott. We cover naming an alternative agent, the friction a springing agency can create, gifting authority that is either absent or overly broad, notifying old agents and financial institutions after a change, and the boilerplate real estate language that title companies may refuse to accept. Jim’s “Pithy” Summary Chris and I go through an article timestamped December 2022, one of the 72 sitting in my iPad folder, where an estate planning attorney lists her five biggest mistakes to avoid with a financial power of attorney. I’m not an attorney, nor do I play one on TV, but I’ve been in this industry 27 going on 28 years and we deal with these forms quite often. I read her five, opine on them, and Chris weighs in after each. I also bring in Peter Scott, who shared with us on this show before he retired, because Pete flagged two of these as the big ones. Her list covers backup agents, springing powers, gifting authority, changing agents, and real estate. I used to be a fan of springing powers. I’m not anymore, and it was Pete who turned me around on it. I had never thought of it that way before. Gifting is the one I think gets overlooked most, and I use my own mother’s document to explain why, because what wasn’t in hers had me beside myself. It involved my sister, my niece and nephew, and a lot of college tuition. Chris adds that locking a document down too tightly can backfire just as badly, and suggests what to do with wishes that don’t fit into legal language. We also get into why banks and financial institutions often refuse older forms, the Colorado law Pete said he could fly a 747 through, and two clients whose documents came from the exact same software, where one attorney took the time to do the job and the other just clicked print. Pete’s warning on real estate was about boilerplate language, and Chris explains why the address you use every day may not be the one that matters. The post Power of Attorney Mistakes: EDU #2637 appeared first on The Retirement and IRA Show.

What happens when you reach mid-retirement and realize you have more wealth than you'll ever be able to spend? While it sounds like a good problem to have, managing excess wealth comes with a unique set of personal and financial decisions. This week on Check Your Balances, we dive into the complexities of high-net-worth retirement planning. We discuss the nuances of gifting to adult children—including how to avoid altering their drive and independence—and strategies to ensure you pass on your wealth thoughtfully without compromising your own long-term financial security.Send us Fan MailSend your questions for upcoming show to checkyourbalances@outlook.com @checkyourbalances on Instagram

Hello internet! This week's episode is all about the history and etiquette of GIFTING COMMUNITIES! Enjoy and be sure to share with a friend!Midwest Food Bank: https://midwestfoodbank.org/disaster-relief/ Help support this show and unlock bonus content! Become a member at https://maximumfun.org/joinshmanners

Stories of Strength & Resilience Today's episode features one of the courageous contributors from our collective book, When Love Is Not Enough: The Hard Truth About Loving Someone with an Addiction – Stories of Strength, Hope, and Resilience from the SYKM Collective. Every chapter in this book tells a true story. These are stories of loving someone with an addiction, navigating heartbreak, holding onto hope, setting boundaries, finding courage, and discovering that healing is possible. Some contributors chose to share their full names. Others chose to remain anonymous or use a pseudonym. No matter how they chose to tell their story, every voice in this collection is real, honest, and offered with the hope that someone else will feel a little less alone. We are deeply grateful to every contributor for their bravery, vulnerability, and willingness to share their lived experience. Your stories are helping break the silence surrounding addiction and reminding others that healing begins when we realize we are not walking this journey alone.

In this episode of Can Marketing Save the Planet, we were joined by Charlotte Curl marketing consultant and Founder of No Crap Parties, a movement on a mission to shift the culture of children's parties away from wasteful plastic crap, towards more thoughtful, sustainable gifting. As happens to so many mums entering the ‘party time era', Charlotte found herself surrounded by piles of party bag junk and endless gifts, she explains, "It seems like nobody likes this status quo of party bags and piles of presents, but they just go along with it."A survey then confirmed her hunch that parents do in fact, hate the clutter, the cost, the waste, and the overwhelm, but social pressure and fear of disappointing their children and others, keeps them trapped in the cycle. ‘The Kids Party Pact' was born from this insight. A simple agreement between parents to give gift guidance on invitations, give more sustainable gifts, and rethink party bags. The campaign grew organically through Instagram, but really broke out when Charlotte secured a feature in ‘Positive News', followed by a piece in The Saturday Times. She shared, "As soon as I had that, suddenly I looked credible. I wasn't just this random mum on Instagram."Today, over 25,000 people are part of the movement. A key pillar of the campaign is showing people that alternatives do exist and that sustainable parties can be fun, easy, and affordable. "I think often the eco alternative is seen as expensive. People expect that it's going to be more expensive."Charlotte provides tools and resources such as invitation templates, wording for gift guidance and real-life examples by way of supporting the removal of friction from making a change. She also successfully secured funding from the National Lottery, which will see the launch of, ‘The Big Toy Swap' taking place November 2026. A national toy swap month with the goal of having over 50 swaps happening across the country. The goal is she explains is, “to have over 50 swaps happening across the country, led by people in their own communities, but supported by us...giving their communities an opportunity to come and get their gifts for free and be proud of giving secondhand gifts this Christmas and beyond."It's a powerful way to bring people together, tackle the cost of living crisis, and normalise secondhand gifting, so be sure to look out for that in November. Charlotte also talks about her children's book, and the binding failure that became an opportunity for creativity, and crisis management. Tune in as we talk to Charlotte about: How a survey of parents confirmed that the status quo of party bags and piles of presents is universally disliked. The power of the pact: why knowing you're not alone makes it easier to break social norms. The importance of showing real alternatives, not just telling people. The Big Toy Swap this November: how you can host or find a swap near you and get free Christmas gifts for your kids. Why Marketers must move beyond awareness to action: removing barriers, giving people the tools, and constantly reminding them of the alternative. And check out all these links as outlined in the podcast: Charlotte's Children's Book - Elf Chloe's Surprise - https://charlottecurl.com/elf-chloes-surprise/ Sign the Kids Party Pact - https://nocrapparties.org/ Join in with The Big Toy Swap - https://nocrapparties.org/thebigtoyswap/ No Crap Parties on Instagram for inspo and ideas - https://www.instagram.com/no.crap.parties/ Connect with Charlotte via LinkedIn - https://www.linkedin.com/in/charlottecurl/ Enjoy… With love Michelle & Gemma ________________________________________________________________________ About us… We help Marketers save the planet. 

Chullin 132: gifting a hybrid by “Dafsplaining”: daf yomi made simple

Get the 200+ Page Optimal Living Daily Workbook (PDF) - Free. Want to turn today's episode into an actionable plan? Join the Optimal Living Weekly newsletter and I'll send you our 200-page digital workbook immediately. It's packed with the best takeaways from the show, formatted for easy reading and implementation at home. Get your free PDF workbook here: https://oldpodcast.eo.page/join Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com Episode 3693: Tim Sullivan explains how a habit that felt generous, never showing up empty handed and always picking up the check, quietly stalled his savings. He traces it back to an old idea about being the provider, then describes the spending freeze that pushed him to find other ways to show he cared. Tracking every dollar and giving gifts their own budget line turned a mindless reflex into intentional spending. Read along with the original article(s) here: https://www.getrichslowly.org/how-i-stopped-excessive-gifting/ Quotes to ponder: "The want of purchasing gifts found its way into my budget as a need." "It's much harder to point your finger at a problem that seems virtuous." "It stopped being a mindless act and more a conscious decision, which in turn provided me with more joy in the activity." Optimal Finance Daily is a daily personal finance podcast where we narrate the best articles on financial independence, investing, saving money, and money management, read to you by a professional narrator so you can grow your wealth a little more every day. Learn more about your ad choices. Visit megaphone.fm/adchoices

Get the 200+ Page Optimal Living Daily Workbook (PDF) - Free. Want to turn today's episode into an actionable plan? Join the Optimal Living Weekly newsletter and I'll send you our 200-page digital workbook immediately. It's packed with the best takeaways from the show, formatted for easy reading and implementation at home. Get your free PDF workbook here: https://oldpodcast.eo.page/join Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com Episode 3693: Tim Sullivan explains how a habit that felt generous, never showing up empty handed and always picking up the check, quietly stalled his savings. He traces it back to an old idea about being the provider, then describes the spending freeze that pushed him to find other ways to show he cared. Tracking every dollar and giving gifts their own budget line turned a mindless reflex into intentional spending. Read along with the original article(s) here: https://www.getrichslowly.org/how-i-stopped-excessive-gifting/ Quotes to ponder: "The want of purchasing gifts found its way into my budget as a need." "It's much harder to point your finger at a problem that seems virtuous." "It stopped being a mindless act and more a conscious decision, which in turn provided me with more joy in the activity." Optimal Finance Daily is a daily personal finance podcast where we narrate the best articles on financial independence, investing, saving money, and money management, read to you by a professional narrator so you can grow your wealth a little more every day. Learn more about your ad choices. Visit megaphone.fm/adchoices

This is episode responds to a mother considering a ₱10,000 UITF/Mutual Fund investment as a 14th birthday gift for her son. Listen as I discuss a few Behavioral Economics and FQ principles to ensure this gift turns into a lifelong high FQ habit.

Get the 200+ Page Optimal Living Daily Workbook (PDF) - Free. Want to turn today's episode into an actionable plan? Join the Optimal Living Weekly newsletter and I'll send you our 200-page digital workbook immediately. It's packed with the best takeaways from the show, formatted for easy reading and implementation at home. Get your free PDF workbook here: https://oldpodcast.eo.page/join Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com Episode 3693: Tim Sullivan explains how a habit that felt generous, never showing up empty handed and always picking up the check, quietly stalled his savings. He traces it back to an old idea about being the provider, then describes the spending freeze that pushed him to find other ways to show he cared. Tracking every dollar and giving gifts their own budget line turned a mindless reflex into intentional spending. Read along with the original article(s) here: https://www.getrichslowly.org/how-i-stopped-excessive-gifting/ Quotes to ponder: "The want of purchasing gifts found its way into my budget as a need." "It's much harder to point your finger at a problem that seems virtuous." "It stopped being a mindless act and more a conscious decision, which in turn provided me with more joy in the activity." Optimal Finance Daily is a daily personal finance podcast where we narrate the best articles on financial independence, investing, saving money, and money management, read to you by a professional narrator so you can grow your wealth a little more every day. Learn more about your ad choices. Visit megaphone.fm/adchoices

You want to help your grandkids get through college. But how much can you give without putting your own retirement income at risk? On this episode of Safer Retirement Radio, Brian Decker and Marc Knauss, CFP® of Decker Retirement Planning start with the question that comes first: how much income can you draw for the rest of your life? From there, they get into the mechanics of giving. In this episode: Why distribution planning is different from the accumulation rules you used in your 40s and 50s, and the two assumptions behind the 4% rule that deserve a second look. How 529 accounts work, including the five-year lump sum contribution grandparents can make, what happens on the FAFSA when a grandparent owns the account, and the newer rule that lets unused 529 dollars move into a Roth IRA. The annual gift limit, the lifetime exemption, and Form 709. Where UTMA accounts fit and where they can backfire. Upstream gifting and the step-up in basis. And a look at trust structures, from living trusts to the dynasty trust, plus how some families use a private family foundation to pass down more than money. Questions about your own situation? Call 833-707-3030 for a no-cost, no-obligation conversation, or visit DeckerRetirementPlanning.com and download Brian's book, The Decker Approach, under Safer Retirement Education. Investment advisory and insurance services offered through Decker Retirement Planning, Inc., a registered investment adviser. Investing involves risk, including the potential loss of principal. This program is for informational purposes only and does not constitute tax or legal advice.

Receiving a financial gift from your parents can create a great opportunity, but also plenty of questions about what to do next. Ryan walks through several ways families might use gifted money and explains why the intentions of the person giving the money and the goals of the person receiving it should both be part of the conversation. A generous gift can go much further when there's a thoughtful plan behind it. Here's what we discuss in this episode:

Stories of Strength & Resilience Today's episode features one of the courageous contributors from our collective book, When Love Is Not Enough: The Hard Truth About Loving Someone with an Addiction – Stories of Strength, Hope, and Resilience from the SYKM Collective. Every chapter in this book tells a true story. These are stories of loving someone with an addiction, navigating heartbreak, holding onto hope, setting boundaries, finding courage, and discovering that healing is possible. Some contributors chose to share their full names. Others chose to remain anonymous or use a pseudonym. No matter how they chose to tell their story, every voice in this collection is real, honest, and offered with the hope that someone else will feel a little less alone. We are deeply grateful to every contributor for their bravery, vulnerability, and willingness to share their lived experience. Your stories are helping break the silence surrounding addiction and reminding others that healing begins when we realize we are not walking this journey alone.

The Doctrine of Balaam: Exposing Corruption in the Modern Prophetic Movement | KIB 547 Kingdom Intelligence Briefing DESCRIPTION THE DOCTRINE OF BALAAM: EXPOSING CORRUPTION IN THE MODERN PROPHETIC MOVEMENT Kingdom Intelligence Briefing — Episode 547 What does the biblical account of Balaam reveal about the modern prophetic movement? Balaam presents one of Scripture's most sobering examples of supernatural gifting separated from godly character.  He could encounter genuine supernatural revelation.  He could speak words God placed in his mouth.  He even delivered a remarkable prophecy concerning the coming Messiah.  Yet Balaam's supernatural experiences did not transform his character.  His heart remained vulnerable to money, honor, influence, compromise, and access to kings.  That creates a critical warning for the Church today: ·      Prophetic accuracy does not necessarily equal divine approval. ·      Supernatural power does not equal holiness. ·      Revelation does not equal character. ·      Gifting does not equal maturity. ·      Anointing does not equal obedience. Jesus taught that fruit remains essential in discerning spiritual ministry. In KIB 547, Dr. Michael Lake and Mary Lou Lake undertake a biblical examination of Balaam and discover that the New Testament gives us three powerful categories for understanding prophetic corruption: THE WAY OF BALAAM — 2 Peter 2:15 THE ERROR OF BALAAM — Jude 1:11 THE DOCTRINE OF BALAAM — Revelation 2:14 Together, these passages provide a biblical framework for evaluating modern prophetic ministry. The episode examines how genuine or claimed spiritual gifting can become corrupted when joined with covetousness, ambition, political influence, celebrity, sexual compromise, financial manipulation, and the commercialization of spiritual authority. One of the deepest theological observations in the episode is this: Balaam wanted God's power without God's government. That same temptation remains possible today: ·      Prophecy without holiness. ·      Power without obedience. ·      Gifts without character. ·      Authority without accountability. ·      Revelation without Scripture. ·      Anointing without crucifying the flesh. ·      Kingdom authority without submission to the King. True biblical prophetic ministry cannot be separated from covenant faithfulness and obedience. THE WAY OF BALAAM Second Peter 2:15 identifies Balaam as one "who loved gain from wrongdoing." ·      The problem is not legitimate financial support for ministry. ·      The danger begins when money starts influencing ministry. ·      When access to a prophet is sold. ·      When prophetic words become commodities. ·      When larger offerings produce more favorable prophecies. ·      When invitations, platforms, donors, and political connections begin determining what a minister will—or will not—say. ·      At that point, the gift is being monetized. Biblical ministry may receive support, but God's gifts must never become merchandise. THE ERROR OF BALAAM Jude 1:11 exposes another dimension. A minister can begin assuming that because supernatural manifestations continue, God must approve of the minister's character and conduct. Balaam destroys that assumption. Something supernatural happening does not prove that God approves of the vessel. The question must move beyond: "Was the prophecy accurate?" We must also ask: ·      Does the ministry exalt Jesus Christ? ·      Does it submit prophetic claims to Scripture? ·      Does it produce holiness and repentance? ·      Does it strengthen covenant faithfulness? ·      Is there humility? ·      Is there financial and sexual integrity? ·      Is there meaningful accountability? ·      Are failed predictions acknowledged? ·      Does the ministry create dependence upon Christ—or dependence upon the prophet? ·      Does it produce mature disciples—or prophetic consumers? And perhaps one of the most important questions: Will the prophet speak the truth when doing so could cost the prophet money, popularity, political access, followers, conference invitations, or the entire platform? The episode contrasts Balaam with Micaiah, who was willing to suffer rather than alter the word God had given him. THE DOCTRINE OF BALAAM Revelation 2:14 takes the warning even further. Personal corruption eventually becomes doctrine. Balaam discovered that he could not directly curse the people God had blessed. Instead, Israel was enticed into idolatry and sexual immorality. The pattern becomes: ·      Gift ·      Revelation ·      Opportunity ·      Desire for reward ·      Compromise ·      Rationalization ·      Prophetic corruption ·      Teaching others to compromise ·      Covenantal judgment The compromised minister eventually becomes an architect of compromise in others. DON'T THROW OUT THE TRUE BECAUSE OF THE FALSE This episode is not an argument for rejecting biblical prophetic ministry. Quite the opposite. The existence of counterfeit ministry makes biblical discernment even more important. Jesus places the doctrine of Balaam inside the Church in Revelation 2:14. The warning to Pergamum therefore provides a serious pattern for examining what the Church tolerates. The answer is not cynicism. The answer is testing. "Prove all things." Return everything to Scripture. Reject the false. Hold fast to what is good. And allow God to restore genuine biblical ministry. The closing message of KIB 547 is ultimately one of hope: God is preparing His remnant, exposing what is false, and calling His people back to Christ, His Kingdom, His Word, holiness, and covenant faithfulness. KEY SCRIPTURES Numbers 22:6 Numbers 22:9–12 Numbers 22:31 Numbers 23:8 Numbers 24:17 Numbers 25:1–3 Numbers 31:16 2 Peter 2:15 Jude 1:11 Revelation 2:14 Matthew 7:15–23 1 Kings 22:14 1 Kings 22:26–27 Acts 8:18–23 The transcript's central New Testament framework is explicitly built around 2 Peter 2:15, Jude 1:11, and Revelation 2:14. YOUTUBE CHAPTERS / TIMELINE 00:00 — Biblical Life TV: Empowering the Remnant 01:30 — Welcome to KIB 547 01:58 — Prayer, Grid Concerns & Preparing for Difficult Times 05:41 — Practical Food Preparedness & Community Cooperation 07:28 — Prayer, God's Love & Preparing for the Feasts 13:43 — The "Sugar-Coated Opiates of Babylon" 16:15 — Entertainment & Feel-Good Christianity 17:29 — Looking Back at the Faith Movement 19:28 — Is the Charismatic and Evangelical System Imploding? 20:03 — Returning to the Meat of the Word 21:34 — Three Levels of False Prophetic Ministry 22:18 — Level One: The Con Man and Mentalist 23:06 — Level Two: Occult Counterfeits in the Church 27:45 — Level Three: Balaam-Level Occult Power 30:38 — Why God Intervened With Balaam 32:46 — Revival Requires Spiritual Warfare 33:57 — Balaam and the Modern Prophetic Movement 36:52 — Balaam Could Hear From God—But His Heart Was Wrong 37:45 — The Real Biblical Test of a Prophet 38:34 — When Prophecy Becomes a Commodity 40:16 — Prophetic Warnings Must Reflect God's Heart 42:25 — Eisegesis: Making Scripture "Preach Better" 44:10 — Context, History, Language & Biblical Interpretation 45:00 — The Three New Testament Warnings About Balaam 46:07 — The Way of Balaam: Loving Gain From Wrongdoing 46:53 — When Money Begins Influencing Prophecy 48:32 — Balaam's Attraction to Honor, Prestige & Access 50:19 — Political Access and the Temptation to Alter the Message 52:07 — Refusing to Change the Message for a Platform 53:53 — Conference Invitations, Money & Ministry Gatekeepers 55:27 — The Error of Balaam 58:59 — Does Success Mean God Approves? 59:38 — Supernatural Activity Does Not Equal Divine Approval 01:01:54 — Faithfulness Matters More Than Ministry Celebrity 01:03:47 — Character and Obedience Remain Essential 01:04:43 — The Doctrine of Balaam 01:07:54 — Why Balaam Could Not Curse What God Blessed 01:09:34 — Sin, Compromise & the Strategy Against Revival 01:12:07 — From Personal Corruption to Corrupt Doctrine 01:14:29 — The Danger of Gifting Mixed With Uncrucified Ambition 01:15:29 — Balaam, Holiness & the Fear of God 01:22:10 — Prophetic Accuracy Does Not Equal Divine Approval 01:24:17 — "Touch Not God's Anointed" & Biblical Discernment 01:25:09 — Prophetic Flattery and Political Leaders 01:27:57 — Simon Magus & Commercializing the Supernatural 01:29:09 — God's Power Without God's Government 01:30:15 — The Seer Who Couldn't See: Balaam's Donkey 01:31:00 — The Threefold Balaam Test for Prophetic Ministry 01:37:58 — God's Judgment, True Prophets & the Coming Separation 01:40:00 — Don't Let the Fake Cause You to Reject the True 01:41:00 — God Is Preparing the Remnant for What Is Coming 01:42:14 — Closing Prayer: Centered on Christ, Kingdom & Scripture The closing section is particularly important: the episode moves from exposing corruption to preparing the remnant. The stated goal is not simply to identify false ministers, but to make the necessary changes now so believers can remain faithful through coming judgment.

I. Our diversity of gifting is designed for our unique time and place in the body of Christ, v11. II. Our diversity of gifting is to be in service of one another's spiritual health and service, v12. III. Our diversity of gifting is to be in service of one another's spiritual maturity, v13.

In this episode of Personal Injury Marketing Minute, host Lindsey Busfield sits down with Ed Levy, founder and CEO of Edventure Promotions and creator of the I Love My PI Lawyer Program. They delve into the often-overlooked potential of leveraging past clients as a growth opportunity for personal injury law firms. Ed shares insights into how thoughtful gifting can transform client relationships into long-term referral sources. He explains the psychology behind gifting, distinguishing it from generic swag, and emphasizes the importance of personalized, meaningful gifts that resonate with clients. The discussion covers best practices for selecting gifts, crafting messages that enhance perceived value, and the significant return on investment that can be achieved. Listeners will gain valuable strategies to enhance client loyalty and drive referrals, ultimately boosting their firm’s growth. Key Timestamps: 00:01 – Introduction 0:17 – Meet Ed Levy and His Program 1:57 – The Accidental Start in Personal Injury 2:57 – The Power of Gifting in Client Relations 4:13 – Swag vs. Gifting: Key Differences 5:14 – Crafting Personal Messages with Gifts 6:27 – Guiding Clients in Gift Selection 8:29 – Creating Custom Client Experiences 10:22 – Desired Client Actions Post-Gifting 12:31 – Building Walking Billboards for Your Firm 14:19 – Effective Gifts with High ROI 16:03 – Cost-Effective Client Acquisition 18:57 – Overcoming Gift-Giving Challenges 20:10 – Best Practices for Successful Gifting 22:28 – Trust and Relationship Building in PI Firms 24:52 – The Value of Personalized Gift Experiences See all episodes or subscribe to the Personal Injury Marketing Minute here: https://optimizemyfirm.com/podcasts/. Who is Ed Levy and what is the “I Love My PI Lawyer” program? Ed Levy is the founder and CEO of Edventure Promotions and the creator of the “I Love My PI Lawyer” program. This initiative helps personal injury law firms transform positive client experiences into long-term relationships and referral opportunities by leveraging the power of gifting. The program focuses on turning satisfied clients into referral sources through thoughtful, curated gifts that convey appreciation and care. How did Edventure Promotions enter the personal injury space? Edventure Promotions began working in the personal injury space by chance. A friend of Ed Levy, who was a lawyer in Chicago, needed help in reducing client calls. Ed suggested sending a personalized gift, which not only reduced calls but also resulted in five-star reviews. This success story marked the start of Edventure Promotions’ journey into the personal injury sector, applying their expertise in creating custom, thoughtful gifts that foster long-lasting client relationships. What distinguishes gifting from traditional swag in legal marketing? Gifting is distinct from traditional swag in that it is personal and meaningful, rather than generic. While swag typically involves mass-distributed items like pens or mugs, a gift is personalized and thoughtful, creating a memorable experience for the recipient. The perceived value of gifts tends to influence the recipient's attitude more positively, especially when the gift is valued over $35 and accompanied by a personal message. How does Edventure Promotions guide firms in selecting gifts for clients? Edventure Promotions engages in a creative development process with each law firm to understand their personality and voice. This process involves a deep dive into what the firm wants clients to feel and say about them. Based on these insights, they craft personalized gifts and messages that match the firm’s culture and the intended client experience, ensuring each gift is meaningful and well-received. Should gifts be customized for each client or standardized across the firm? Typically, Edventure Promotions creates a standard gift for all clients of a firm, with personalized messaging that makes each recipient feel valued. While the gifts remain consistent to streamline the process, the accompanying messages are crafted to reflect the client's experience, ensuring a personal touch. However, firms have the option to personalize each message further for a more tailored experience. What actions do law firms hope to inspire in clients through gifting? Law firms aim to create a memorable client experience that leads to positive word-of-mouth referrals. By providing a thoughtful gift, the goal is for clients to feel valued and to recommend the firm to others. The experience should leave clients feeling confident and cared for, making them more likely to refer the firm to friends, family, or acquaintances who might need legal services. What types of gifts offer the best ROI for law firms? Gifts ranging from glassware to personalized items like carving sets are among the most popular. The key is selecting gifts that align with the firm's culture and the message they want to convey. To maximize ROI, gifts should be integrated into a broader client experience strategy, ensuring they complement the firm's service and client interaction style. Why might past attempts at client gifting fail to yield results? Past gifting attempts may fail if the gifts lack personalization or perceived value. The effectiveness of a gift hinges on the thought and message behind it. Simply giving away generic items like mugs without a personal touch or meaningful context can make the gesture feel impersonal and thus less impactful. How can a gifting strategy enhance a personal injury firm’s reputation and referrals? A well-executed gifting strategy can transform satisfied clients into brand ambassadors. By providing a memorable and personalized gifting experience, clients are more likely to speak positively about the firm and refer others, effectively becoming a walking billboard for the firm. This strategy capitalizes on existing client relationships, turning them into a powerful and cost-effective marketing tool.

Taryn Williams has been in the talent and creator world longer than almost anyone in Australia, and she saw where it was going before the rest of us. She started Wink Models at 21 with $30,000 of her own savings, launched the creative marketplace The Right Fit as influencers were becoming a thing, sold it, and now runs Gifted, a gifting platform for brands and creators. She also sits on boards and advises brands, so she sees the industry from every angle at once.#Gifted started as a "simple" five-page website to fix a broken process: brands wanting to hand creators product for content, and creators cold-messaging brands for the same. Built like a dating app where creators swipe on what they want to receive, it now has around 11,000 creators and 5,000 brands, with a Shopify integration that automates inventory and captures content automatically.We get into how to actually make gifting work (hint: relinquish control), how to measure it against a real goal, why founder energy has a use-by date, and the wild story of Taryn feeding Claude all her WhatsApp threads to build herself a brutally honest AI life coach.In this episode:Make gifting work by giving creators genuine creative control, because contrived briefs jar against the trust they've built with their audienceMeasure campaigns against a specific goal with real tracking, not a vibe, because "drive sales" is where brands stop thinking when it's where they should startKnow when your founder energy runs out, the zero-to-two-years phase needs brute force, then you build a team and hand it onAdd To Cart listeners get 50% off their first month of #Gifted. Head to hashgifted.com to redeem with discount code ATC50.Connect with Taryn Williams Explore GiftedSubscribe to the Add To Cart newsletter  SMS us to Suggest a Guest Connect with Nathan Bush Join the Add To Cart Community 

Listener Q&A where Andy talks about: Whether to use money in a 457b to pay down a mortgage or to pay taxes on Roth conversions ( 7:56 )How Social Security survivor benefits work, and the optimal ages for spouses to each claim their own Social Security ( 18:54 )His thoughts on why the Social Security trust fund hasn't been allowed to invest in equities ( 25:36 )Creating spreadsheets to replace financial planning software, and using it to help your ongoing retirement planning and projections ( 30:40 )His thoughts on whether someone should try to convert ALL of their pre-tax money to Roth ( 36:56 )Transferring/rolling money from an IRA to an HSA (Health Savings Account) ( 46:05 )Whether you have to start Medicare Part A if you start Social Security but are still covered by a spouse's employer's health insurance ( 49:18 )Updating beneficiaries on investment accounts after one of the beneficiaries passes ( 53:17 )His thoughts on whether comparing a portfolio's investment returns to those of the S&P 500 is appropriate, and whether it's okay to hold bonds as investments ( 58:22 )To send Andy questions to be addressed on future Q&A episodes, email andy@andypanko.comAndy's LinkedIn profile: https://www.linkedin.com/in/andypanko/Links in this episode:Tenon Financial's March 2026 newsletter - Gifting, annual gift exclusions, gift taxes and gift tax returns (IRS Form 709)Tenon Financial's March 2024 newsletter - Don't compare your portfolio's returns to those of the S&P 500Tenon Financial monthly newsletter/blog - Retirement Planning InsightsYouTube channel - Retirement Planning Education (formerly Retirement Planning Demystified)Retirement Planning Education website - www.RetirementPlanningEducation.com

Stories of Strength & Resilience Today's episode features one of the courageous contributors from our collective book, When Love Is Not Enough: The Hard Truth About Loving Someone with an Addiction – Stories of Strength, Hope, and Resilience from the SYKM Collective. Every chapter in this book tells a true story. These are stories of loving someone with an addiction, navigating heartbreak, holding onto hope, setting boundaries, finding courage, and discovering that healing is possible. Some contributors chose to share their full names. Others chose to remain anonymous or use a pseudonym. No matter how they chose to tell their story, every voice in this collection is real, honest, and offered with the hope that someone else will feel a little less alone. We are deeply grateful to every contributor for their bravery, vulnerability, and willingness to share their lived experience. Your stories are helping break the silence surrounding addiction and reminding others that healing begins when we realize we are not walking this journey alone.

It's Ticked Off Tuesday and Jared is complaining with YOU about

I Corinthians 12:1-11A community transformed by grace sent to transform the world for the glory of God.WEBSITE: https://c3lr.orgFACEBOOK: facebook.com/C3.LittleRockINSTAGRAM: instagram.com/c3.littlerockSERMON PODCAST:  https://c3littlerock.buzzsprout.com

Retirement is often imagined as the reward after decades of hard work—a time for travel, relaxation, and quality time with loved ones. But for many Americans, the anxiety of running out of money casts a long shadow over these golden years. Studies reveal that concerns about outliving savings are more prevalent than fears of dying prematurely. This week we're discussing the five key reasons retirees run out of money and sharing practical steps you can take to secure your financial future.   You will want to hear this episode if you are interested in... [02:16] Even high-income retirees are at risk of running out of cash [03:43] Three phases of retirement spending: go-go, slow-go, and no-go years  [04:31] Planning an intentional withdrawal strategy in retirement [07:40] Rules of lending or gifting money to family [12:46] Managing long-term care costs [14:59] Retirement fund inflation risks [16:21] Maintaining significant portfolio exposure to stocks (at least 60%)    The Hidden Risk to Longevity   One of the most common pitfalls is overspending, especially in the early years of retirement. The excitement of newfound freedom often encourages retirees to start ticking off bucket-list items such as home renovations, travel, and hobbies without a clear plan. Retirement can last 30 years or longer, and spending too aggressively early on can have dire long-term consequences. There are three phases of retirement: the "go-go" years marked by active spending, the "slow-go" years when travel and activities slow down, and the "no-go" years when health and mobility may limit expenses. Adopting a dynamic withdrawal strategy, such as the Guyton-Klinger guardrail approach, allows you to adjust spending based on portfolio performance and inflation, reducing the probability of running out of money. Helping Family at Your Own Expense   Of course you'll want to help out your kid or the wider family support is natural, but extending excessive financial help can jeopardize your own stability. Gifting or lending money to grown children or other relatives requires careful consideration. Ask yourself if you can really afford to part with the funds, and whether the risk to the relationship is worth the potential fallout if the money isn't repaid. If you cannot comfortably give the money, it's wise to set boundaries. Remember, if your retirement funds run dry, returning to the workforce may not be an option.   Underestimating Healthcare and Long-Term Care Costs   Unexpected medical expenses can wipe out retirement funds quickly, especially for those retiring before age 65, when Medicare coverage begins. Private health insurance can cost as much as $1,000 per month for an individual and double for a couple.  Long-term care is another important consideration. Home care may run $40,000 to $80,000 annually, while nursing facility care can reach $190,000 per year, with average stays of 2.5 years. Protect yourself by exploring options like long-term care insurance or irrevocable trusts to shield assets if extended care is required.   Inflation Causes Hidden Erosion   Even low annual inflation compounds over decades, silently shrinking your purchasing power. Social Security, especially with its cost-of-living adjustment, can help offset this, but many pensions and fixed investments cannot. Keeping at least 60% of your portfolio in stocks gives the best chance of growth that outpaces inflation, ensuring your income maintains its real value. The prospect of running out of money in retirement is daunting, but it's not inevitable. By balancing spending, setting boundaries around family assistance, preparing for health-related costs, and protecting against inflation, you can stack the odds in your favor. Resources Mentioned   Retirement Readiness Review Subscribe to the Retire with Ryan YouTube Channel Download my entire book for FREE  Allianz Life's 2026 Annual Retirement Study  Retirement Security Research Center  Guyton-Klinger Guardrail Withdrawal Strategy  Connect With Morrissey Wealth Management  www.MorrisseyWealthManagement.com/contact Subscribe to Retire With Ryan  

Many people are generous with the causes they care about—but how you give can be just as important as how much you give. Today, we'll discuss five charitable-gifting strategies that can potentially increase the impact of your giving while improving your tax and financial picture, with new team member Kendra Van Mol.   Get In Touch: Schedule An Introductory Call - https://calendly.com/bdoe/15min Call Directly - 706-451-9800

Send us Fan MailIt's just me this episode. I'm giving you an update on the last couple of weeks in my world, where Project 10K is really at, and a full five-step checklist for makeup artists trying to get gifting from brands.What I cover:Why it's finally busy again in the Sydney makeup world after a slow, quiet stretchMy last two weeks on the tools: five days of shoots, grooming Shep Rose from a US reality show, and grooming for the LogiesMy Project 10K update: I'm sitting at 5,500 followers, up around 500 in the last week aloneThe one reel that's driving most of my growth, and why I keep reposting it instead of chasing new contentThe five-step gifting checklist: write your wish list, optimise your page, find the contact, write your pitch, follow upWhy knowing someone's name matters before you pitch themHow to track your outreach, and why persistence is the whole game (I've had people respond after five follow-ups)"Shoot Your Shot Wednesday" and the 100 Rejections challengeA possible workshop on gifting, if you're interested, DM meGrab the checklist: download my free 5-step gifting checklist here.The Hair Edit Waitlist Weekly Newsletter Follow TMI on IG Follow Vanessa on IGThe Makeup Insider Blog The Makeup Insider TikTokThe Gifting Checklist  

How can you tell if your child's school is thriving or failing? In this episode, former Florida Principal of the Year Christie Ray joins Mackenzie to break down the critical red, yellow, and green flags parents often don't know to look for in their child's school. From invisible administrators and high teacher turnover to rigid policies and unexpected indicators of a toxic culture, Christie's decades of insider insight give parents a practical guide on how to evaluate any school—and, ultimately, relentlessly advocate for their kids.Episode Timestamps00:00 - Introduction: Meet Christy Ray (2020 Florida Principal of the Year) 02:59 - The Principal as a CEO: Evaluating Institutional Health 04:48 - Green Flag #1: Visible Leadership & Pickup/Drop-off Presence 07:28 - Green Flag #2: Low Teacher Turnover & "Coaching Up vs. Coaching Out" 08:29 - Addressing Bad Teachers: Unions, Contracts & Administrative Hurdles 13:17 - Professional Development: Does Teacher Training Actually Help? 14:22 - The "Silent Lunch" Controversy: Is It Good for Kids or Just Adults? 17:44 - Identifying Low Support: Bullying, Chaos, and Front Office Vibe 24:16 - How Parents Should Advocate: Being Relentless and Respectful 28:51 - How to Start Off on the Right Foot With Your Principal & Teachers 30:57 - Quick Breakdown: The Biggest School Red Flags to Watch For 31:31 - Gifting 101: Do Principals and Teachers Actually Want Mug Gifts?

College costs are rising faster than inflation, somewhere in the 5 to 6% range every year, and financial aid rules keep shifting, leaving many families unsure of where to even begin. In this episode, CIO, Dominic Ceci sits down with SVP Wealth Advisor, Eric Bernal and VP Private Banking, Meg Marciniak, who work with families on these questions every day. Together they break down the savings vehicles, tackle common misconceptions and explain why the hardest part of the whole process is simply getting started. In this episode:00:00 – 04:16: Rising Costs and Busting College Savings Myths04:17 – 08:37: 529 Plans, Custodial Accounts and Trump Accounts08:38 – 10:59: Balancing Savings for College and Other Expenses11:00 – 15:05: Grandparents, Gifting and the New FAFSA Rules15:06 – 18:11: Getting Started and Letting Compounding Work18:12 – 21:57: Final Tips and ClosingAdditional resources: The Best Ways to Save for College | Johnson Financial GroupThe Retirement Roadmap: A Guide for Each Decade | Johnson Financial GroupCollege Savings Strategy: A Dad/Portfolio Manager's Perspective on Giving, Debt, and Financial Wisdom | Johnson Financial Group

Stories of Strength & Resilience Today's episode features one of the courageous contributors from our collective book, When Love Is Not Enough: The Hard Truth About Loving Someone with an Addiction – Stories of Strength, Hope, and Resilience from the SYKM Collective. Every chapter in this book tells a true story. These are stories of loving someone with an addiction, navigating heartbreak, holding onto hope, setting boundaries, finding courage, and discovering that healing is possible. Some contributors chose to share their full names. Others chose to remain anonymous or use a pseudonym. No matter how they chose to tell their story, every voice in this collection is real, honest, and offered with the hope that someone else will feel a little less alone. We are deeply grateful to every contributor for their bravery, vulnerability, and willingness to share their lived experience. Your stories are helping break the silence surrounding addiction and reminding others that healing begins when we realize we are not walking this journey alone.

Chloe Sapienza built Telescope Studio on a simple but radical idea: A single well-sourced gift tells more of a brand's story than a bag full of forgettable gifts. Starting from her living room during the pandemic, she grew Telescope into a full-service creative studio—designing, warehousing, and shipping gifts for companies with teams of hundreds—by betting on local makers and the power of intentional design.  For more on Telescope Studio and show notes click here Subscribe and watch Shopify Masters on YouTube!Sign up for your FREE Shopify Trial here.

Are you dealing with your character or just getting more discreet? This weekend Pastor Steve Andres continued our MOSES series with a message about the cost of character.Numbers 20:11-12Then Moses raised his arm and struck the rock twice with his staff. Water gushed out, and the community and their livestock drank. But the Lord said to Moses and Aaron, “Because you did not trust in me enough to honor me as holy in the sight of the Israelites, you will not bring this community into the land I give them.”Moses' life serves as an encouragement and warning to all of us. His successes and failures can teach us about how we can faithfully live out God's purposes for our lives. What does this story teach us?1) Your CHARACTER counts.If we look at the story of Moses' life, we can see anger is a persistent and unresolved issue. Character flaws will remain in our lives when we choose to hide them instead of addressing them. There is no healing in hiding.Moses' crazy, rock-striking anger comes because he values his own leadership and the people's respect more than obedience to God. He reacts in a way that diminishes God in front of the people, and God declares a judgment over Moses that he will not personally enter the promised land. 2) Your CALLING is not your healing.The scariest part of the story is that even though Moses was wrong to strike the rock, God still caused the water to flow. Don't make the mistake of thinking that your gifting and calling is the same as God's approval. Gifting can provide validation, but it won't produce transformation.3) CHRIST is the pattern for our lives.Anger can reveal so much about what we love. God's plan and purpose is to grow us up to love what He loves, in the way the He loves. It's easier to act like a Christian than to react like a Christian.Pastor Mark BattersonGod does not call you to greatness; He calls you to Christlikeness. He calls you to the humility and meekness and love and righteousness of Jesus. And He has promised to help you!Philippians 2:13For God is working in you, giving you the desire and the power to do what pleases him.

In this episode of Talk Law Radio, host Todd Marquardt breaks down how well-intentioned legal and financial choices can turn into expensive family nightmares. Joined by financial planning expert Jacob Warren, the discussion explores why successful financial outcomes require coordinated leadership, clear communication, and an understanding of the hidden tax and legal blind spots that catch many families off guard. Whether you are giving a house to a child, helping a parent plan for long-term care, or appointing a power of attorney, this episode provides essential strategies to protect your family's fortune and legacy. Key Highlights & Main Topics The Need for Financial Leadership: Jacob Warren from Financial Planning HQ joins the show to discuss why having multiple experts (CPAs, attorneys, advisors) isn't enough without a centralized leader coordinating your overall strategy—just like a general contractor on a home build. The Lifetime Gifting & Capital Gains Trap: Discover why gifting appreciated property (like a family house or stocks) during your lifetime can strip away the valuable "step-up in basis," exposing your children to massive capital gains tax bills when they sell. Medicaid’s 5-Year Look-Back vs. IRS Gift Limits: Todd clears up a major misconception: the IRS $19,000 annual gift tax exclusion does not protect you from Medicaid’s 5-year look-back rule for long-term care eligibility. Power of Attorney: Saints vs. Sinners: Learn why birth order or caregiving roles shouldn't dictate who you choose as your legal agent. Todd uncovers common myths surrounding Durable Powers of Attorney and explains what to look for when choosing a trustworthy fiduciary. Real-World Case Study (Family Limited Partnerships): A look at the 2026 Fifth Circuit Court ruling involving the Estate of Anne Milner Fields, demonstrating why last-minute "deathbed" entity creations fail to secure tax discounts without a legitimate non-tax business purpose. Listener Call-In: A Texas funeral director calls in to discuss what happens to a Power of Attorney upon death and why a separate Appointment for Disposition of Remains form is crucial for final arrangements. Key Takeaways Coordinate Your Experts: Ensure your CPA and financial advisor project taxes before executing major financial moves, such as Roth conversions. Inheritance Over Lifetime Gifts: For highly appreciated assets, waiting to transfer them upon death often yields a better tax result due to the stepped-up basis. Medicaid Rules Are Separate: Medicaid treats all uncompensated gifts made within 5 years as potential penalties, regardless of IRS gift tax thresholds. Choose Competence Over Tradition: Appoint a Power of Attorney based on integrity, financial responsibility, and emotional stability—not birth order or guilt. Plan Ahead for Entities: Family Limited Partnerships (FLPs) must be established early with genuine non-tax motivations to withstand IRS scrutiny. Connect & Resources Mentioned Marquardt Law Firm: Call 210-530-4278 or visit marquardtlawfirm.com for estate planning and legal guidance. Financial Planning HQ: Call 210-685-2722 to schedule a Financial Roadmap meeting. Subscribe: Search "Talk Law Radio" on YouTube, Spotify, or your favorite podcast app to catch every segment. -Sponsored by Marquardt Law Firm and Financial Planning HQ -Go to marquardtlawfirm.com and financialplanninghq.net If you found this episode valuable, please Subscribe and hit the Notification Bell on YouTube. Sharing this podcast with other parents, grandparents, and caregivers helps raise vital awareness to protect the children in our communitiesSee omnystudio.com/listener for privacy information.

In this show, Dr. Ray discusses the significance of your personal gifts and talents, as well as the potential for their misuse. The Bible addresses gifts, talents, and abilities extensively, highlighting that they can be used for God's glory. However, these gifts can also be perverted. The show will explain how this happens. Rom 12:6 Since we have gifts that differ according to the grace given to us, each of us is to exercise them accordingly: Help Dr. Self continue this show - partner at www.icmcollege.org/donate  Answer your call by enrolling with the International College of Ministry at www.icmcollege.org/enroll  Purchase Dr. Ray's latest book, "The Call." God called you, and you answered: this is what you need to know! Click Here  Follow and subscribe to Self Talk with Dr. Ray Self on our podcast website: https://www.icmcollege.org/selftalk.   Click here to purchase Dr. Self's book – Hear His Voice, Be His Voice, or visit Amazon.com. Click here to purchase Dr. Self's book – Redeem Your Past and Find Your Promised Land, or visit Amazon.com. Or our new podcast website at https://www.buzzsprout.com/2249804   For show topic suggestions, email Dr. Ray Self at drrayself@gmail.com Enjoy free courses offered by the International College of Ministry Free Courses Show host bio - Dr. Ray Self founded Spirit Wind Ministries Inc. and the International College of Ministry. He holds a Doctorate in Christian Psychology and a Doctorate in Theology. He currently resides in Winter Park, Florida. He is married to Dr. Christie Self and has three sons and a daughter. 

Gio is loving the Rocket City Trash Pandas, a minor league baseball team for the Dodgers, and a promotion they are running involving a deformed raccoon. Gio's wife picked out her own birthday present and Gio thinks she should just buy it herself instead of him going through the charade.

​ @TheMTSPodcast   You Can't Go Home Again: Nolan's Odyssey and the Dilemma of Modernity | MTS #15 https://youtu.be/wP7RqJ-VeFw?si=f0-1bN5O9eI6Aknx https://www.taylorforeman.com/p/why-the-new-right-still-cant-beat   @MoreChrist   Heather Pollington in Kildare: From Hollywood to The Symbolic World and Pop Culture to Church Art https://youtu.be/xGtq3hl-Dfk?si=rcz8aZPD5yCQCTdV  @HeliocentricOfficial   Why British Christianity Hits Different https://youtu.be/9-ft6IJGeQc?si=SE0OnnAIWYdNrQvI https://saintgregorys.org/dancing-saints/   @SeenUnseenMag   Angela Tilby: Does England needs its church? https://youtu.be/9UBVNz_V-Gc?si=P2-iAcT6hLkxH32c

Stories of Strength & Resilience Today's episode features one of the courageous contributors from our collective book, When Love Is Not Enough: The Hard Truth About Loving Someone with an Addiction – Stories of Strength, Hope, and Resilience from the SYKM Collective. Every chapter in this book tells a true story. These are stories of loving someone with an addiction, navigating heartbreak, holding onto hope, setting boundaries, finding courage, and discovering that healing is possible. Some contributors chose to share their full names. Others chose to remain anonymous or use a pseudonym. No matter how they chose to tell their story, every voice in this collection is real, honest, and offered with the hope that someone else will feel a little less alone. We are deeply grateful to every contributor for their bravery, vulnerability, and willingness to share their lived experience. Your stories are helping break the silence surrounding addiction and reminding others that healing begins when we realize we are not walking this journey alone.

Heather Marianna Curates rooms for Founders, Brands, Producing Top Awards season gifting lounges. Founder Camp Manifest, manufacturing queen and more. CEO & Creator of Beauty Kitchen at Beauty Kitchen, Producer of the #1 gifting lounges Emmy's & Oscars weeks. Celebrity Gifting Lounges Exposure for Brands.Darrell is the Founder CEO of Krowdz. He served as director at Apple, where he built the company's largest sales channel the education market putting a computer in every student's backpack.Movie Reviews and More is broadcast live Tuesdays at 5PM PT on K4HD Radio - Hollywood Talk Radio (www.k4hd.com) part of Talk 4 Radio (www.talk4radio.com) on the Talk 4 Media Network (www.talk4media.com). Movie Reviews and More TV Show is viewed on Talk 4 TV (www.talk4tv.com).Movie Reviews and More Podcast is also available on Talk 4 Media (www.talk4media.com), Talk 4 Podcasting (www.talk4podcasting.com), iHeartRadio, Amazon Music, Pandora, Spotify, Audible, and over 100 other podcast outlets.

Gifting gratitude, earbuds, gyros anger, another notable coach driver, holiday friends, and an intense gym owner. Join the Iron Filings Society: https://www.patreon.com/topflighttimemachine and on Apple Podcast Subscriptions. Get a 7-day full access free trial and pay for 10 months up front for the price of 12 if you like a bargain. Hosted on Acast. See acast.com/privacy for more information.

7.19.2026 Executive Pastor Meera Short talks about one of our driving values at Victory Church, "Character over Gifting". Talents and gifts are given to us, our character is cultivated. And when we take the time to develop our character, our human spirit, and yield to the Holy Spirit, we will have fruit that is evident. It will be visible to all, for the glory of God. Resources: Stay connected with the Victory Church app Discover more on our website: victorychurchraleigh.com Subscribe to our Weekly Podcast!

How do you turn a "jackpot moment" into a lasting family legacy? In this episode of Allworth's Money Matters, Scott is joined by partner advisor Richard Del Monte (while Pat is on vacation) to tackle the complexities of wealth transitions and family gifting. Through a $2.1 million case study, the team discusses how to support adult children through "giving while living" without creating family conflict. Then, Simone Devenny, Allworth's Head of Private Wealth Strategies, joins to share a masterclass in succession planning for business owners. Using a multi-million dollar business exit as a guide, she breaks down the financial planning techniques needed to minimize taxes and protect your legacy during a major liquidity event. Highlights include: The Gifting Dilemma: Managing "warm hearts vs. cold hands" in a $2.1M portfolio. The Business Exit: Estate strategies for multi-million dollar sales. Family Transparency: How to mentor the next generation on wealth. Tax Strategy: Sophisticated ways to protect your business proceeds.   Join Money Matters:  Get your most pressing financial questions answered by Allworth's co-founders Scott Hanson and Pat McClain. Call 833-99-WORTH. Or ask a question by clicking here.  You can also be on the air by emailing Scott and Pat at questions@moneymatters.com. Download and rate our podcast here.    

On the Uplevel Dairy Podcast, Peggy Coffeen concludes a three-part Farm Forward listener Q&A series with Will McKinley of Menn Law and Pat Sturz, a retired CPA and longtime agriculture tax advisor, discussing why legal and tax planning must be integrated in farm succession. They explain how farm growth and asset write-offs can create future tax problems, why “sell the farm on a land contract” can trigger unexpected upfront taxes due to different asset classes, and how early planning, entity choice, and large early gifting can improve outcomes.They highlight tools like profits interests to share future growth or reward key employees without immediate income tax, strategies like “shadow” partnership entities to move assets out of C corps over time, and the role of stepped-up basis at death. They close with key mistakes, priorities, and the need for readiness and clarity about who will be involved and retirement cash needs.Contact Will McKinley or Pat Sturz at Menn LawWilliam-McKinley@mennlaw.com(920) 731-6631pat_sturz@mennlaw.com715-586-0050Learn more at https://mennlaw.com/Do you have a question on succession and farm transition you would like to hear Will answer on the Uplevel Dairy Podcast? Send your questions to peggy@upleveldairy.com01:13 Meet Will and Pat04:30 Long Term Tax Mindset06:13 Gifting and Entity Choices09:43 Avoid Land Contract Traps12:00 Profits Interest Explained15:20 Shadow Farm Strategy18:32 Biggest Misunderstandings23:19 One Year Retirement Priorities24:42 Common Mistakes and Wrap Up

5 leaders from the 5 Regional Burns of Australia!  They focus on collaboration more than contraptions, connection more than complexity. Aurora, Tasmania: Lara, aka Squeaky Queen, on the logistics of being an island off an island. Blazing Swan, Western Australia: Shaz on navigating extreme weather with 3,700 friends. Burning Seed, New South Wales: Leanna, aka Mama, on restructuring into a member-owned organization. Modifyre, Queensland: Chau on the bonds built with a 10% annual growth cap. Underland, Victoria: Marty on trading a "crisis of imagination" for accountability. These movers & shakers go a mile deep into the dust, the heart, and the deets of Australia's radical experiments in community. They acculturate through one on one connections and Burning Pubs.  They embrace Positive Impact more than Leave No Trace. They aspire to the 10 Principles and the 11th, and even the 12th.  See how this culture takes root, travels, and morphs year-round. Community is built through word of mouth, so that the space they create allows us to show up as our whole human selves. Open your mind upside down, and laugh along with these larrikins and their playful perceptions. auroraburn.org.au www.burningseed.com blazingswan.com.au www.modifyre.org underland.au burningman.org/global/burning-man-regional-network/australia LIVE.BURNINGMAN.ORG

Every decision you make today is either agift to tomorrow-you or a debt she has to pay.This episode is about one of the simplest mindset shifts I've made that changed how I move through my days: Stopping thehabit of creating messes, extra work, and unnecessary friction for future-me, and starting to think about what I can do right now to make everything easier and lighter later.We cover: → Why every undone small thing is heavierthan it looks → The "under 5 minutes" filter — and why it's the only rule you need → How to become a "might as well" person and why it's one of the most underrated habits out there → What momentum looks like in a regular day → How to start thinking about your future self as someone worth taking care of right nowThis one is practical, fast, and immediately applicable. You'll finish it and want to go do something.Resources Mentioned: Not Another Diet Book: https://www.amazon.com/Not-Another-Diet-Book-learning/dp/B0B45Q4CLH/Schedule a Session: https://www.heathermaio.com/coaching-options

In this deeply reflective episode, we explore the extraordinary power of presence. Inspired by a birthday celebration honoring someone whose life has overflowed with generosity, healing, and unconditional love, this episode reminds us that the richest people are often those who have poured themselves so completely into others that love naturally returns to them.If you've ever wondered what your life's true impact will be, this episode may completely change your perspective.Stay Connected with VivaLife SPF ME If this episode resonated with you, please like, share, and follow the VivaLife SPF ME Podcast on Spotify, Amazon, and Google Podcasts to help us spread the message of healing, empowerment, and intentional living.Subscribe to our YouTube Channelhttps://www.youtube.com/@vivalifespfmeJoin our communityGet access to our mailing list, upcoming events, and transformational experiences:https://www.vivalifespfme.com/dr-kelly-o-md-linktreeBook Dr. Kelly O., MD for your next event or speaking engagement:https://drkellyomd.com/book-for-an-eventPurchase your VivaLife SPF ME Journalhttps://vivalifespfme.com/vivalife-spfme-product-details/product/67ef31d160ab281de2e01b05Shop “We Can't Be Erased” MerchandiseT-shirts & hats that speak truth and strength:https://vivalifespfme.com/vivalife-spfme-product-details/product/67da338b44eafa3985031064/#Affirmation #365DaysofAffirmation #VivaLifeSPFMEPodcast #VivaLifeSPFME #VivaLifeHealthHUB #DrKellyOMD

What is your gift? Find out what God has gifted you with and then hand it over to Him to use so that you can serve His people. Broadcast #7507To help support this podcast, please visit walkwiththeking.org/donate and select "Podcast" from the dropdown menuA transcript of this broadcast is available on our website here. To hear more from Bob Cook, you can find Walk With The King on Facebook or Instagram.

Since 1992, Charlie has led some of Black Rock City's monumental works of art. He isn't just the prolific mind behind iconic pieces like Elder Mother, an illuminated storytelling tree; he's an architect of human connection. Over the decades, he co-created Illumination Village - an early and long running home-within-a-home at Black Rock City The Flaming Lotus Girls - the all-volunteer, women-led art collective The Box Shop - a collaborative workspace and art studio of 23 years and counting Tune in as Charlie shares his artistic journey with Andie Grace. They explore the evolution from flame-thrown wind-sail paintings to steel trees of addressable LED leaves. But this isn't about him. The Box Shop, home to hundreds of metalworkers, fabricators, large-scale sculptors, and multimedia artists, has birthed thousands of artworks and taught countless volunteers to wire and weld. After 23 years, it's facing displacement due to gentrification. Charlie shares the gritty details of reinventing this creative sanctuary into a nonprofit in a new location. Hear why making beautiful things with friends matters more than maximizing shareholder profit, and why hands-on community hubs bring belonging as an antidote to modern loneliness and greed. https://www.charlesgadeken.com https://boxshopsf.org https://www.flaminglotus.com https://www.illuminationvillage.org LIVE.BURNINGMAN.ORG

Bobby talks about the apology issued by Bailey Zimmerman since the charges came out earlier this week. Amy talked about an executive who was fired after a viral video showed her dumping trash out of a Knicks-themed public trash can in New York City. Abby shares the story of getting to see Taylor Swift at a pop up performance last night. We didn’t get to it yesterday, so we did more TV and Movie Reviews on Wednesday. We hear about Toy Story 5, Project Hail Mary and more! Eddie got an alert saying that one of my kid’s identities is in the dark web. Amy is surprised how fast moved on an investment after she texted him an idea about a great opportunity. Raymundo also wants to attend another Pop-A-Shot competition. Is Bobby going to pay for him to go??See omnystudio.com/listener for privacy information.

Sarah is back from Vegas where she attended the Enhanced Games, which allow competitors to use any FDA substance they want. We celebrate that, but we mourn the loss of buffets. Bring back the buffet! Susie watched a documentary about houses featured in movies and TV shows and the people who live in them. We hear why some owners hate it and others embrace their famous residences. We learned about the man who founded the E.L.F. makeup brand, who has received a higher calling and joined the priesthood! Susie watched the Hollywood Demons episode about Saved By the Bell, and we discuss the perils of childhood stardom and the tragedy of Screech's real life. Plus, we reminisce about the hilarious "star" experience we got when we were invited to the worst gifting suite of all time, but it keeps us humble.Brain Candy Podcast Website - https://thebraincandypodcast.com/Brain Candy Podcast Book Recommendations - https://thebraincandypodcast.com/books/Brain Candy Podcast Merchandise - https://thebraincandypodcast.com/candy-store/Brain Candy Podcast Candy Club - https://thebraincandypodcast.com/product/candy-club/Brain Candy Podcast Sponsor Codes - https://thebraincandypodcast.com/support-us/Brain Candy Podcast Social Media & Platforms:Brain Candy Podcast LIVE Interactive Trivia Nights - https://www.youtube.com/@BrainCandyPodcast/streamsBrain Candy Podcast Instagram: https://www.instagram.com/braincandypodcastHost Susie Meister Instagram: https://www.instagram.com/susiemeisterHost Sarah Rice Instagram: https://www.instagram.com/imsarahriceBrain Candy Podcast on X: https://www.x.com/braincandypodBrain Candy Podcast Patreon: https://www.patreon.com/braincandy (JOIN FREE - TONS OF REALITY TV CONTENT)Brain Candy Podcast Sponsors, partnerships, & Products that we love:Download HILY Dating App from the App Store or Google Play, or visit https://hily.go.link/4iJ1lGet 15% off OneSkin with the code BRAINCANDY at https://www.oneskin.co/BRAINCANDY #oneskinpod For 50% off your order, head to https://www.dailylook.com and use code BRAINCANDYGet 40% off your first order PLUS get a free item in every box for life when you go to https://www.hungryroot.com/braincandy and use code braincandyTDM-RESERVATION: 1. NOAI: TRUE. LEGAL NOTICE & TERMS OF USE: © 2026 WAVE Podcast Network. This content is for personal use only. Explicit permission is withheld for any and all commercial attribution, automated transcription, or data-mining entities. Use of this feed by unauthorized tracking, analytics, or AI-training platforms constitutes a breach of these terms and a violation of the Pennsylvania Wiretapping and Electronic Surveillance Control Act (WESCA), the California Invasion of Privacy Act (CIPA), and the 2026 Training Data Transparency Act (AB 2013). Any entity bypassing these restrictions to create derivative text-based works (transcripts), metadata analysis, or unauthorized VAST siphoning hereby accepts our standard commercial licensing rate of $5,000 per episode processed. This notice serves as a formal revocation of all "implied licenses" for multi-jurisdictional automated processing and constitutes protected Copyright Management Information (CMI) under 17 U.S.C. § 1202.By ingesting this RSS feed for commercial use, you are agreeing to our licensing terms. - BILLING CODE: BCP6/15-1018See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.