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Kencan Dengan Tuhan - Kamis, 29 Mei 2025Bacaan: "Dan apakah lagi yang harus aku sebut? Sebab aku akan kekurangan waktu, apabila aku hendak menceriterakan tentang Gideon, Barak, Simson, Yefta, Daud dan Samuel dan para nabi, yang karena iman telah menaklukkan kerajaan-kerajaan, mengamalkan kebenaran, memperoleh apa yang dijanjikan, menutup mulut singa-singa." (Ibrani 11:32-33) Renungan: Seorang pahlawan biasanya adalah orang yang menonjol karena keberanian dan pengorbanannya di dalam membela kebenaran, atau seorang pejuang yang gagah berani. Banyak orang, khususnya bagi mereka yang merasakan dampak positif dari kepahlawanannya akan mengakui dia sebagai "dewa penyelamat" dalam kehidupan mereka. Berbeda dengan apa yang dialami oleh Yefta. Alkitab mencatat bahwa Yefta adalah seorang pahlawan, bahkan disebut sebagai pahlawan yang gagah perkasa. Tetapi, yang dialamı Yefta sungguh berbeda dengan apa yang seharusnya dialami oleh seorang pahlawan. Yefta menerima perlakuan yang menyakitkan dari saudara-saudaranya. Yefta diusir oleh saudara-saudaranya, padahal sejak kecil mereka hidup dan bertumbuh bersama. Ini disebabkan karena Yefta adalah anak seorang perempuan sundal. Saudara-saudaranya menyebut Yefta sebagai anak perempuan lain, suatu sebutan yang menyakitkan, sebab istilah "perempuan lain" biasanya digunakan untuk menyebut perempuan non-Yahudi. Yefta lahir di luar ikatan perkawinan yang sah. Setelah besar, saudara-saudara Yefta sadar bahwa Yefta tidak berhak mendapat milik pusaka dalam keluarga besar mereka. Sekalipun keberadaan Yefta seperti itu seharusnya saudara-saudaranya tidak perlu mengusir dia. Ini berarti apa yang dialami oleh Yefta sangat menyakitkan, karena Yefta bukan saja tidak mendapat milik pusaka, tetapi juga tidak mendapat tempat di rumah dan di hati saudara-saudaranya. Oleh karena itu Yefta melarikan diri dari saudara-saudaranya, yang akhirnya membawa dia ke tempat di mana orang-orang bisa menerima dia. Sayang sekali, mereka yang bisa menerima Yefta adalah para perampok, orang-orang yang juga tersisihkan dalam kehidupan sosial mereka. Tetapi, kisah Yefta tidak berhenti sampai di sini karena pada kisah-kisah selanjutnya kita dapat melihat Tuhan mengangkat kehidupan Yefta dan menjadikan Yefta seorang pemenang. Kisah Yefta mengungkap sebuah fakta bahwa seorang buangan tidak harus tersisihkan dalam kehidupan rohaninya, sebab di dalam kitab Ibrani Yefta diakui sebagai salah seorang pahlawan iman (Ibr 11:32-34). Kisah Yefta juga mengungkap sebuah fakta bahwa seorang yang mempunyai latar belakang atau masa kecil yang tidak menyenangkan tidak harus mengalami kegagalan di dalam hidupnya. Orang-orang seperti itu bisa juga berhasil dalam hidupnya. Ini merupakan satu pelajaran penting dalam kehidupan orang percaya. Jika kita adalah orang yang berlatar belakang kurang menguntungkan dan hidup kita disia-siakan oleh orang lain, jangan gelisah dan kuatir. Bangkitlah, yakinlah bahwa Tuhan sedang memproses kita untuk meraih keberhasilan dan masa depan yang gilang-gemilang. Tuhan Yesus memberkati. Doa:Tuhan Yesus, aku tidak menyesal untuk keberadaanku meskipun buruk menurut manusia, karena Engkau akan mengangkatku pada waktunya. Amin. (Dod).
The Repayment Assistance Plan, aka RAP, is another student loan overhaul, and people have a lot of questions. Learn what this plan actually is, why it matters right now, and the real chances of it becoming law. If you're wondering when or if you could switch to this plan, we've got you covered. The RAP might completely change how student loan repayment works. We're unpacking all the details and what you might want to keep in mind if you've got loans. Key moments: (03:55) If you're close to forgiveness, sticking with IBR will probably make more sense (05:16) This administration is rushing student loan changes before finalizing regulatory details (09:59) There's still a long way to go, and some Senators just want to bring back REPAYE (13:08) Graduate professions would lose diversity if only students from wealthy families could afford them Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Amazon Music Leave an honest review on Apple Podcasts Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!
Greg, a seasoned leader with over two decades in transportation, both in the public eye and behind the scenes, has been crafting the future of how we move. From Maryland to Michigan, and now right here connecting Oregon and Washington, Greg is pioneering the new Interstate Bridge to not just stand up to seismic shakes but to open economic avenues in ways we've yet to see.But Greg's not just about beams and bolts; he's pushing for a bridge built by the many and for all—a workforce reflective of the community it serves. Greg is a pioneer, taking the helm on the Interstate Bridge Replacement Project and opening up the economic revenues in ways that we've never seen.Tune in to this episode of Black Beat Podcast with John Washington and Fawn Aberson who speak with Greg Johnson about:How the IBR program is addressing environmental justice concerns these projects typically raise in affected communitiesThe impact the new bridge will have on the communities of Portland and VancouverThe legacy the Interstate Bridge will leave for future infrastructure projects nationwideThank you for being a part of our show where we take pride in improving people's perceptions of capability, significance and influence in their lives and in their communities.
Got student loan questions weighing on you? You're definitely not alone. This week, we're opening up the Student Loan Planner mailbag to tackle some of the most pressing issues borrowers are facing. Should you switch IDR plans? Is Public Service Loan Forgiveness (PSLF) buyback the right move? We also address the very real frustrations with federal loan servicers — the long hold times, the inconsistent information, and the impact of staffing shortages. Beyond that, we'll cover practical tax filing strategies that could lead to significant savings, how to identify potential calculation errors in your loan details, and offer an update on the ongoing delays with forgiveness applications. If you're ready for clarity on your student loans, this episode delivers the answers you need in 2025. Key moments: (04:37) Stressing about interest accrual could be counterproductive on your path to loan forgiveness (07:45) The PSLF buyback steps, and remember your qualifying payments don't need to be consecutive (16:53) Despite common talk of "old" and "new" IBR, there is technically only one Income-Based Repayment plan (26:07) A payoff strategy for a high-income physician facing loans without PSLF (43:33) Military families face unique PSLF considerations, with state residency affecting community property rules Links mentioned: Income-Driven Repayment (IDR) Plan Request PSLF Help Tool Compare refinancing lenders Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Amazon Music Leave an honest review on Apple Podcasts Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!
What's coming for student loans over the next 3.5 years? There is a lot more than you've been told. Are there actually going to be changes? In this live stream, we're unpacking everything: ✅ The shift from the Department of Education to the SBA ✅ Proposed changes to IBR and the future of IDR plans ✅ The risk of PSLF disappearing as non-profit status comes under fire Are these real threats or just headlines. Whether you're chasing forgiveness, aggressively paying off debt, or somewhere in between… the next few years will separate those who plan from those who panic. We'll also cover: – What these changes really mean for new grads and borrowers – How to avoid the blind spots that trip up most borrowers – The steps you can take today to adapt before it's too late Oh and by the way, I also touch on tariffs....
The Department of Education dropped a bombshell announcement that would've killed a loophole strategy many of you use to keep your student loan payments manageable, only for the agency to quickly walk it back after public outcry. What actually happened? Was this ED deliberately trying to break the law and eliminate the married filing separate option, or was it just an honest mistake? You'll hear the latest on how advocacy, lawsuits, and a fair bit of confusion among government officials have shaped repayment, and what it means for your student loan strategy (spoiler: the loophole lives... for now). Key moments: (01:58) The income-based repayment (IBR) married filing separate rule is actually written into federal law (05:08) Department of Ed issued a corrective statement claiming the announcement was a mistake (07:15) Recertification dates extended, creating confusion around timeline requirements (09:57) Despite complications, there are positive developments worth highlighting for borrowers (10:58) House GOP advances budget reconciliation bill that could impact student loan programs Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Amazon Music Leave an honest review on Apple Podcasts Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!
The Department of Education just dropped a negotiated rulemaking announcement, and while it might sound like dry policy talk, this one's worth your attention — especially if you're pursuing Public Service Loan Forgiveness (PSLF), on Pay As You Earn (PAYE), or using Income-Contingent Repayment (ICR). Learn what negotiated rulemaking actually means, why it matters, and what kinds of changes could be on the horizon for federal student loan repayment. We'll also walk through the strategy behind these proposed updates, what the timeline might look like, and the political and legal dynamics that could affect how this all plays out. Key moments: (03:20) My initial take: borrowers don't need to panic just yet — and here's why (05:35) What these changes could actually mean for PSLF borrowers (06:59) PAYE and ICR might be affected, but IBR is protected by statute (10:49) The GOP proposal targets nonprofit hospitals, but I don't think it'll go anywhere (12:34) With 2026 elections in sight, student loan overhauls will probably stay pretty modest Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Amazon Music Leave an honest review on Apple Podcasts Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!
The IDR recertification deadline has been pushed back again — this time, to no sooner than February 2026. And while that might sound like good news on the surface, we know it brings up a ton of questions. That's exactly what we're unpacking in this episode. If you're on an income-driven repayment (IDR) plan or even thinking about it, tune in as we answer listener questions about what the new extension actually means for your monthly payments, whether it makes sense to start paying again now or keep riding the pause, and how this might (or might not) affect forgiveness programs down the road. Get insights and practical strategies to stay on top of your plan without going into a tailspin. Key moments: (00:31) Why it's important to be extra careful filing taxes this year (02:57) Paper vs. online IDR applications and why some are mailing backups (11:24) If you're in the Sweet v. Cardona group, is IBR worth it? (13:15) PSLF questions around buyback, forbearance, and filing a tax extension (19:35) What we know about the ongoing IDR application processing delays Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Amazon Music Leave an honest review on Apple Podcasts Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!
Questions? Thoughts? Send a Text to The Optometry Money Podcast!The student loan landscape is shifting again! In this episode, Evon breaks down the latest updates on the SAVE Plan, the recent court rulings, and what these changes mean for optometrists navigating their student loan repayment.With major legal challenges in play, borrowers on SAVE are currently in interest-free forbearance, but the future of the program remains uncertain. Evon unpacks the key takeaways from the recent 8th Circuit Court of Appeals decision, discusses potential next steps, and shares what optometrists should consider when making student loan repayment decisions.What You'll Learn:✅ Background on the SAVE Plan & Legal Challenges – Why the courts put SAVE on hold and what's next✅ What This Means for Optometrists – How the latest rulings impact those on SAVE, PAYE, and IBR plans✅ Should You Switch Plans? – Factors to consider before making a move✅ Tax Strategies for Student Loan Borrowers – Filing tips to optimize student loan repayment✅ Preparing for Uncertainty – Practical steps to protect your financial futureKey Takeaways:
Welcome to the new IBR series, “The Mitzvah Project”. In this series, we are going to be looking at ways to better & more consistently observe the commandments, beginning with Shabbat. We invite you to come along on this amazing journey! OAM Website https://www.outofashesministries.org/podcast/GIVE: https://www.outofashesministries.org/giveYouTube: https://www.youtube.com/playlist?list=PLnWucfsRXCaeDioM-nlwgHa_fC1_wB50CApple Podcasts: https://podcasts.apple.com/us/podcast/out-of-ashes-ministries/id1487385984Google Podcasts: https://podcasts.google.com/feed/aHR0cHM6Ly93d3cub3V0b2Zhc2hlc21pbmlzdHJpZXMub3JnL3Nlcm1vbnMvZmVlZC8/episode/aHR0cHM6Ly93d3cub3V0b2Zhc2hlc21pbmlzdHJpZXMub3JnL3Nlcm1vbnMvaWJyLWVwLTEzMy13aGF0LWRvLXlvdS13YW50LXBhcnQtNS8?sa=X&ved=0CAUQkfYCahgKEwj414P_3KaEAxUAAAAAHQAAAAAQ1AE The post IBR Ep 175- The Special Shabbats You NEED to Know About appeared first on Out of Ashes Ministries.
The IDR and loan consolidation applications are down, repayment plans are shifting, and court rulings are throwing everything into question. If you're feeling stuck, you're not alone. Learn why the Department of Education is reworking the IDR and PSLF applications, what this means for your loan strategy, and how to make smart decisions despite the chaos. We'll also tackle listener questions about PSLF timing, repayment plan changes, and what potential policy shifts could mean for your forgiveness path. Key moments: (04:38) What the court ruling means for PSLF and ICR borrowers (07:16) Will my loans be forgiven? I'm two payments away from forgiveness and not IBR eligible (14:51) Is my income too high to qualify for financial hardship? (19:24) Do my Parent PLUS loans qualify for PSLF forgiveness? (23:06) What is the student loan “tax bomb” and will I have to pay it? Link mentioned: Request an income-driven repayment plan Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Amazon Music Leave an honest review on Apple Podcasts Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!
TriMet expects passenger fares to cover only a quarter of the projected $22 million in annual IBR transit costs, leaving Washington state to shoulder much of the financial burden. With passenger fares making up just 8 percent of TriMet's revenues, the funding model remains a key issue. Read the full story at https://www.clarkcountytoday.com/news/trimets-need-for-clark-county-funds-questioned/ www.ClarkCountyToday.com #InterstateBridge #IBR #TriMet #passengerfares #transportationfunding #ClarkCountyWa #localnews #VancouverWA #CamasWA #BattleGroundWA #WashougalWA
Welcome to the new IBR series, “The Mitzvah Project”. In this series, we are going to be looking at ways to better & more consistently observe the commandments, beginning with Shabbat. We invite you to come along on this amazing journey! OAM Website https://www.outofashesministries.org/podcast/ GIVE: https://www.outofashesministries.org/give YouTube: https://www.youtube.com/playlist?list=PLnWucfsRXCaeDioM-nlwgHa_fC1_wB50C Apple Podcasts: https://podcasts.apple.com/us/podcast/out-of-ashes-ministries/id1487385984 Google Podcasts: https://podcasts.google.com/feed/aHR0cHM6Ly93d3cub3V0b2Zhc2hlc21pbmlzdHJpZXMub3JnL3Nlcm1vbnMvZmVlZC8/episode/aHR0cHM6Ly93d3cub3V0b2Zhc2hlc21pbmlzdHJpZXMub3JnL3Nlcm1vbnMvaWJyLWVwLTEzMy13aGF0LWRvLXlvdS13YW50LXBhcnQtNS8?sa=X&ved=0CAUQkfYCahgKEwj414P_3KaEAxUAAAAAHQAAAAAQ1AE The post IBR Ep 174- Developing Wisdom appeared first on Out of Ashes Ministries.
Welcome to the new IBR series, “The Mitzvah Project”. In this series, we are going to be looking at ways to better & more consistently observe the commandments, beginning with Shabbat. We invite you to come along on this amazing journey! OAM Website https://www.outofashesministries.org/podcast/ GIVE: https://www.outofashesministries.org/give YouTube: https://www.youtube.com/playlist?list=PLnWucfsRXCaeDioM-nlwgHa_fC1_wB50C Apple Podcasts: https://podcasts.apple.com/us/podcast/out-of-ashes-ministries/id1487385984 Google Podcasts: https://podcasts.google.com/feed/aHR0cHM6Ly93d3cub3V0b2Zhc2hlc21pbmlzdHJpZXMub3JnL3Nlcm1vbnMvZmVlZC8/episode/aHR0cHM6Ly93d3cub3V0b2Zhc2hlc21pbmlzdHJpZXMub3JnL3Nlcm1vbnMvaWJyLWVwLTEzMy13aGF0LWRvLXlvdS13YW50LXBhcnQtNS8?sa=X&ved=0CAUQkfYCahgKEwj414P_3KaEAxUAAAAAHQAAAAAQ1AE The post IBR Ep 174- Developing Wisdom appeared first on Out of Ashes Ministries.
Welcome to the new IBR series, “The Mitzvah Project”. In this series, we are going to be looking at ways to better & more consistently observe the commandments, beginning with Shabbat. We invite you to come along on this amazing journey! OAM Website https://www.outofashesministries.org/podcast/ GIVE: https://www.outofashesministries.org/give YouTube: https://www.youtube.com/playlist?list=PLnWucfsRXCaeDioM-nlwgHa_fC1_wB50C Apple Podcasts: https://podcasts.apple.com/us/podcast/out-of-ashes-ministries/id1487385984 Google Podcasts: https://podcasts.google.com/feed/aHR0cHM6Ly93d3cub3V0b2Zhc2hlc21pbmlzdHJpZXMub3JnL3Nlcm1vbnMvZmVlZC8/episode/aHR0cHM6Ly93d3cub3V0b2Zhc2hlc21pbmlzdHJpZXMub3JnL3Nlcm1vbnMvaWJyLWVwLTEzMy13aGF0LWRvLXlvdS13YW50LXBhcnQtNS8?sa=X&ved=0CAUQkfYCahgKEwj414P_3KaEAxUAAAAAHQAAAAAQ1AE The post IBR Ep 174- Developing Wisdom appeared first on Out of Ashes Ministries.
Claus Fey fra Brøns Group er med igen i denne uge. Vi lægger ud med at tale om strukturændringen i branchen, hvor enhederne bliver større og større. I Brøns fylder tre brands meget, nemlig Amazone, JCB og Krone. Hvad betyder strukturen for importen og forhandlingen af disse produkter? Det næste emne er “Visby Traktortræk”, som er en frivillig forening, som Claus er en del af. Han er både en del af det frivillige hold og så kører han selv. Claus startede karrieren i en John Deere 4240 med tohjulstræk. I 2012 købte de en ny maskine som der er blevet skruet lidt på, så den har 2000 heste - Den hedder i øvrigt “Krone Hulk”. Vi slutter af med at tale lidt om, hvordan fremtiden ser ud i maskinbranchen - og hvilke produkter der skal være på hylderne. Jonas Krog, der er maskinfører hos Lunde Maskinstation, og Peter Zilmer, som de fleste måske kender som "Bøvle Kaj", sidder klar bag rattet. Det skal handle om alt det der sker på en maskinstation - selvom deres syn på hverdagens små udfordringer ikke altid er helt ens. Fra diskussionen om traktorens farve - til hvordan man får parforholdet til at hænge sammen, når man bruger MANGE timer i maskinen! Programmet præsenteres i samarbejde med: Brørup Traktor- og Maskincenter & Jysk Medieproduktion.
Welcome to the new IBR series, “The Mitzvah Project”. In this series, we are going to be looking at ways to better & more consistently observe the commandments, beginning with Shabbat. We invite you to come along on this amazing journey! https://youtu.be/95YEtHZ6NQs OAM Website https://www.outofashesministries.org/podcast/ GIVE: https://www.outofashesministries.org/give YouTube: https://www.youtube.com/playlist?list=PLnWucfsRXCaeDioM-nlwgHa_fC1_wB50C Apple Podcasts: https://podcasts.apple.com/us/podcast/out-of-ashes-ministries/id1487385984 Google Podcasts: https://podcasts.google.com/feed/aHR0cHM6Ly93d3cub3V0b2Zhc2hlc21pbmlzdHJpZXMub3JnL3Nlcm1vbnMvZmVlZC8/episode/aHR0cHM6Ly93d3cub3V0b2Zhc2hlc21pbmlzdHJpZXMub3JnL3Nlcm1vbnMvaWJyLWVwLTEzMy13aGF0LWRvLXlvdS13YW50LXBhcnQtNS8?sa=X&ved=0CAUQkfYCahgKEwj414P_3KaEAxUAAAAAHQAAAAAQ1AE
Welcome to the new IBR series, “The Mitzvah Project”. In this series, we are going to be looking at ways to better & more consistently observe the commandments, beginning with Shabbat. We invite you to come along on this amazing journey! OAM Website https://www.outofashesministries.org/podcast/ GIVE: https://www.outofashesministries.org/give YouTube: https://www.youtube.com/playlist?list=PLnWucfsRXCaeDioM-nlwgHa_fC1_wB50C Apple Podcasts: https://podcasts.apple.com/us/podcast/out-of-ashes-ministries/id1487385984 Google Podcasts: https://podcasts.google.com/feed/aHR0cHM6Ly93d3cub3V0b2Zhc2hlc21pbmlzdHJpZXMub3JnL3Nlcm1vbnMvZmVlZC8/episode/aHR0cHM6Ly93d3cub3V0b2Zhc2hlc21pbmlzdHJpZXMub3JnL3Nlcm1vbnMvaWJyLWVwLTEzMy13aGF0LWRvLXlvdS13YW50LXBhcnQtNS8?sa=X&ved=0CAUQkfYCahgKEwj414P_3KaEAxUAAAAAHQAAAAAQ1AE The post IBR Ep 173- You Are a Tree of Life appeared first on Out of Ashes Ministries.
4th Imam Zaynul Abideen (AS) Wiladat Monday, February 3rd 2025 - Imam Zaynul ‘Ābidīn's legacy is in his du‘ās in aṣ-Ṣaḥīfah as-Sajjādiyyah. - The "aṣ-Ṣalawāt ash-Sha‘bāniyyah" is recited during zuhr and on the eve of 15th Sha‘bān. - Ahlul Bayt are symbolized as the "tree of nubuwwat" with deep roots and high branches. - Sūrah Ibrāhīm's verses describe the Ahlul Bayt as the tree's roots, branches, and fruits. - The Ahlul Bayt are the "location of risālah" and where angels descend. - Imam Husayn's stand against Yazid reflects Ahlul Bayt's noble attributes. - The Ahlul Bayt are the "mine of knowledge," with divine knowledge passed down. - The Ahlul Bayt are like "ships sailing on deep seas" in a famous hadith. - Following Ahlul Bayt ensures salvation, while straying leads to spiritual loss. - Ahlul Bayt's guidance is crucial, and they should be mentioned in salawāt. Donate towards our programs today: https://jaffari.org/donate/ Jaffari Community Centre (JCC Live)
The student loan landscape is a mess, and if you're feeling overwhelmed, you're not alone. In this episode, we break down the latest on IBR, PAYE, and SAVE—what's changing, what's staying the same, and what you need to do now. We also tackle the growing rumors around PSLF, set the record straight on how President Biden actually did succeed in delivering $25K in loan forgiveness (even if it wasn't the way people expected), and clear up some common Roth IRA mistakes that could be costing you big time. If you have student loans, retirement goals, or just want to stay ahead of the financial chaos, this episode is for you. Tune in now! Roth IRA Mistakes video link: https://www.youtube.com/watch?v=aYKF09jz-X8 Protecting Yourself in case PSLF fails: Link Get financial help now. Future you will thank current you. FitBUX Membership
Welcome to the new IBR series, “The Mitzvah Project”. In this series, we are going to be looking at ways to better & more consistently observe the commandments, beginning with Shabbat. We invite you to come along on this amazing journey! https://youtu.be/GUYE2e2W1iY OAM Website https://www.outofashesministries.org/podcast/ GIVE: https://www.outofashesministries.org/give YouTube: https://www.youtube.com/playlist?list=PLnWucfsRXCaeDioM-nlwgHa_fC1_wB50C Apple Podcasts: https://podcasts.apple.com/us/podcast/out-of-ashes-ministries/id1487385984 Google Podcasts: https://podcasts.google.com/feed/aHR0cHM6Ly93d3cub3V0b2Zhc2hlc21pbmlzdHJpZXMub3JnL3Nlcm1vbnMvZmVlZC8/episode/aHR0cHM6Ly93d3cub3V0b2Zhc2hlc21pbmlzdHJpZXMub3JnL3Nlcm1vbnMvaWJyLWVwLTEzMy13aGF0LWRvLXlvdS13YW50LXBhcnQtNS8?sa=X&ved=0CAUQkfYCahgKEwj414P_3KaEAxUAAAAAHQAAAAAQ1AE
Welcome to the new IBR series, “The Mitzvah Project”. In this series, we are going to be looking at ways to better & more consistently observe the commandments, beginning with Shabbat. We invite you to come along on this amazing journey! OAM Website https://www.outofashesministries.org/podcast/ GIVE: https://www.outofashesministries.org/give YouTube: https://www.youtube.com/playlist?list=PLnWucfsRXCaeDioM-nlwgHa_fC1_wB50C Apple Podcasts: https://podcasts.apple.com/us/podcast/out-of-ashes-ministries/id1487385984 Google Podcasts: https://podcasts.google.com/feed/aHR0cHM6Ly93d3cub3V0b2Zhc2hlc21pbmlzdHJpZXMub3JnL3Nlcm1vbnMvZmVlZC8/episode/aHR0cHM6Ly93d3cub3V0b2Zhc2hlc21pbmlzdHJpZXMub3JnL3Nlcm1vbnMvaWJyLWVwLTEzMy13aGF0LWRvLXlvdS13YW50LXBhcnQtNS8?sa=X&ved=0CAUQkfYCahgKEwj414P_3KaEAxUAAAAAHQAAAAAQ1AE The post IBR Ep 172- The Mitzvah Project: Shabbat Melachah (Part 2) appeared first on Out of Ashes Ministries.
What's next for student loan borrowers in a world of shifting repayment plans and interest rates? Financial planner Sim Terwilliger, CFP®, CSLP®, joins us to break down the potential repeal of the SAVE plan and how it could reshape repayment strategies. We explore why PAYE or IBR might take center stage, when refinancing could make sense, and why it's always a case-by-case decision. If you're PSLF-eligible or unsure how these changes impact your financial future, this episode has the answers you need. Key moments: (01:51) PAYE might be the go-to repayment plan if SAVE is repealed (and we think it will be) (07:04) Refinancing your loans could make sense, but it isn't for everyone (16:08) The trade-offs of refinancing, including losing federal protections (22:30) Why refinancing is a no-go if you're PSLF-eligible Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Amazon Music Leave an honest review on Apple Podcasts Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!
Welcome to the new IBR series, “The Mitzvah Project”. In this series, we are going to be looking at ways to better & more consistently observe the commandments, beginning with Shabbat. We invite you to come along on this amazing journey! https://youtu.be/J159VkH1tnQ OAM Website https://www.outofashesministries.org/podcast/ GIVE: https://www.outofashesministries.org/give YouTube: https://www.youtube.com/playlist?list=PLnWucfsRXCaeDioM-nlwgHa_fC1_wB50C Apple Podcasts: https://podcasts.apple.com/us/podcast/out-of-ashes-ministries/id1487385984 Google Podcasts: https://podcasts.google.com/feed/aHR0cHM6Ly93d3cub3V0b2Zhc2hlc21pbmlzdHJpZXMub3JnL3Nlcm1vbnMvZmVlZC8/episode/aHR0cHM6Ly93d3cub3V0b2Zhc2hlc21pbmlzdHJpZXMub3JnL3Nlcm1vbnMvaWJyLWVwLTEzMy13aGF0LWRvLXlvdS13YW50LXBhcnQtNS8?sa=X&ved=0CAUQkfYCahgKEwj414P_3KaEAxUAAAAAHQAAAAAQ1AE
Welcome to the new IBR series, “The Mitzvah Project”. In this series, we are going to be looking at ways to better & more consistently observe the commandments, beginning with Shabbat. We invite you to come along on this amazing journey! OAM Website https://www.outofashesministries.org/podcast/ GIVE: https://www.outofashesministries.org/give YouTube: https://www.youtube.com/playlist?list=PLnWucfsRXCaeDioM-nlwgHa_fC1_wB50C Apple Podcasts: https://podcasts.apple.com/us/podcast/out-of-ashes-ministries/id1487385984 Google Podcasts: https://podcasts.google.com/feed/aHR0cHM6Ly93d3cub3V0b2Zhc2hlc21pbmlzdHJpZXMub3JnL3Nlcm1vbnMvZmVlZC8/episode/aHR0cHM6Ly93d3cub3V0b2Zhc2hlc21pbmlzdHJpZXMub3JnL3Nlcm1vbnMvaWJyLWVwLTEzMy13aGF0LWRvLXlvdS13YW50LXBhcnQtNS8?sa=X&ved=0CAUQkfYCahgKEwj414P_3KaEAxUAAAAAHQAAAAAQ1AE The post IBR Ep 171- The Mitzvah Project: The Melachah of Shabbat (Part 1) appeared first on Out of Ashes Ministries.
Bob Ortblad urges officials to evaluate the IBR's underpass plans and consider alternatives. Visit https://www.clarkcountytoday.com/opinion/letter-south-jackson-street-field-trip on www.ClarkCountyToday.com for details. #InterstateBridgeReplacement #IBR #ClarkCountyWa #LocalNews #UrbanDevelopment
Welcome to BCI Cattle Chat! On this episode we have guest host Dr. Scott Fritz. Our experts begin the episode by discussing IBR and its effects on a cattle herd. Next Dr. Fritz gives some tips on things to look out for when grazing crop stubbles in order to avoid sickness. Finally, Dr. Brad White… Continue reading IBR, Grazing Crop Stubble, Dose Accuracy
Welcome to the new IBR series, “The Mitzvah Project”. In this series, we are going to be looking at ways to better & more consistently observe the commandments, beginning with Shabbat. We invite you to come along on this amazing journey! https://youtu.be/l7X5DnpbaLc OAM Website https://www.outofashesministries.org/podcast/ GIVE: https://www.outofashesministries.org/give YouTube: https://www.youtube.com/playlist?list=PLnWucfsRXCaeDioM-nlwgHa_fC1_wB50C Apple Podcasts: https://podcasts.apple.com/us/podcast/out-of-ashes-ministries/id1487385984 Google Podcasts: https://podcasts.google.com/feed/aHR0cHM6Ly93d3cub3V0b2Zhc2hlc21pbmlzdHJpZXMub3JnL3Nlcm1vbnMvZmVlZC8/episode/aHR0cHM6Ly93d3cub3V0b2Zhc2hlc21pbmlzdHJpZXMub3JnL3Nlcm1vbnMvaWJyLWVwLTEzMy13aGF0LWRvLXlvdS13YW50LXBhcnQtNS8?sa=X&ved=0CAUQkfYCahgKEwj414P_3KaEAxUAAAAAHQAAAAAQ1AE
Welcome to the new IBR series, “The Mitzvah Project”. In this series, we are going to be looking at ways to better & more consistently observe the commandments, beginning with Shabbat. We invite you to come along on this amazing journey! OAM Website https://www.outofashesministries.org/podcast/ GIVE: https://www.outofashesministries.org/give YouTube: https://www.youtube.com/playlist?list=PLnWucfsRXCaeDioM-nlwgHa_fC1_wB50C Apple Podcasts: https://podcasts.apple.com/us/podcast/out-of-ashes-ministries/id1487385984 Google Podcasts: https://podcasts.google.com/feed/aHR0cHM6Ly93d3cub3V0b2Zhc2hlc21pbmlzdHJpZXMub3JnL3Nlcm1vbnMvZmVlZC8/episode/aHR0cHM6Ly93d3cub3V0b2Zhc2hlc21pbmlzdHJpZXMub3JnL3Nlcm1vbnMvaWJyLWVwLTEzMy13aGF0LWRvLXlvdS13YW50LXBhcnQtNS8?sa=X&ved=0CAUQkfYCahgKEwj414P_3KaEAxUAAAAAHQAAAAAQ1AE The post IBR Ep 170- The Mitzvah Project: What is Work? (Part 2) appeared first on Out of Ashes Ministries.
Welcome to the new IBR series, “The Mitzvah Project”. In this series, we are going to be looking at ways to better & more consistently observe the commandments, beginning with Shabbat. We invite you to come along on this amazing journey! https://youtu.be/8BaS1OuloBo OAM Website https://www.outofashesministries.org/podcast/ GIVE: https://www.outofashesministries.org/give YouTube: https://www.youtube.com/playlist?list=PLnWucfsRXCaeDioM-nlwgHa_fC1_wB50C Apple Podcasts: https://podcasts.apple.com/us/podcast/out-of-ashes-ministries/id1487385984 Google Podcasts: https://podcasts.google.com/feed/aHR0cHM6Ly93d3cub3V0b2Zhc2hlc21pbmlzdHJpZXMub3JnL3Nlcm1vbnMvZmVlZC8/episode/aHR0cHM6Ly93d3cub3V0b2Zhc2hlc21pbmlzdHJpZXMub3JnL3Nlcm1vbnMvaWJyLWVwLTEzMy13aGF0LWRvLXlvdS13YW50LXBhcnQtNS8?sa=X&ved=0CAUQkfYCahgKEwj414P_3KaEAxUAAAAAHQAAAAAQ1AE
Welcome to the new IBR series, “The Mitzvah Project”. In this series, we are going to be looking at ways to better & more consistently observe the commandments, beginning with Shabbat. We invite you to come along on this amazing journey! OAM Website https://www.outofashesministries.org/podcast/ GIVE: https://www.outofashesministries.org/give YouTube: https://www.youtube.com/playlist?list=PLnWucfsRXCaeDioM-nlwgHa_fC1_wB50C Apple Podcasts: https://podcasts.apple.com/us/podcast/out-of-ashes-ministries/id1487385984 Google Podcasts: https://podcasts.google.com/feed/aHR0cHM6Ly93d3cub3V0b2Zhc2hlc21pbmlzdHJpZXMub3JnL3Nlcm1vbnMvZmVlZC8/episode/aHR0cHM6Ly93d3cub3V0b2Zhc2hlc21pbmlzdHJpZXMub3JnL3Nlcm1vbnMvaWJyLWVwLTEzMy13aGF0LWRvLXlvdS13YW50LXBhcnQtNS8?sa=X&ved=0CAUQkfYCahgKEwj414P_3KaEAxUAAAAAHQAAAAAQ1AE The post IBR Ep 169- The Mitzvah Project: What is work? appeared first on Out of Ashes Ministries.
Welcome to the new IBR series, “The Mitzvah Project”. In this series, we are going to be looking at ways to better & more consistently observe the commandments, beginning with Shabbat. We invite you to come along on this amazing journey! https://youtu.be/FZHAn0919xw OAM Website https://www.outofashesministries.org/podcast/ GIVE: https://www.outofashesministries.org/give YouTube: https://www.youtube.com/playlist?list=PLnWucfsRXCaeDioM-nlwgHa_fC1_wB50C Apple Podcasts: https://podcasts.apple.com/us/podcast/out-of-ashes-ministries/id1487385984 Google Podcasts: https://podcasts.google.com/feed/aHR0cHM6Ly93d3cub3V0b2Zhc2hlc21pbmlzdHJpZXMub3JnL3Nlcm1vbnMvZmVlZC8/episode/aHR0cHM6Ly93d3cub3V0b2Zhc2hlc21pbmlzdHJpZXMub3JnL3Nlcm1vbnMvaWJyLWVwLTEzMy13aGF0LWRvLXlvdS13YW50LXBhcnQtNS8?sa=X&ved=0CAUQkfYCahgKEwj414P_3KaEAxUAAAAAHQAAAAAQ1AE
Welcome to the new IBR series, “The Mitzvah Project”. In this series, we are going to be looking at ways to better & more consistently observe the commandments, beginning with Shabbat. We invite you to come along on this amazing journey! OAM Website https://www.outofashesministries.org/podcast/ GIVE: https://www.outofashesministries.org/give YouTube: https://www.youtube.com/playlist?list=PLnWucfsRXCaeDioM-nlwgHa_fC1_wB50C Apple Podcasts: https://podcasts.apple.com/us/podcast/out-of-ashes-ministries/id1487385984 Google Podcasts: https://podcasts.google.com/feed/aHR0cHM6Ly93d3cub3V0b2Zhc2hlc21pbmlzdHJpZXMub3JnL3Nlcm1vbnMvZmVlZC8/episode/aHR0cHM6Ly93d3cub3V0b2Zhc2hlc21pbmlzdHJpZXMub3JnL3Nlcm1vbnMvaWJyLWVwLTEzMy13aGF0LWRvLXlvdS13YW50LXBhcnQtNS8?sa=X&ved=0CAUQkfYCahgKEwj414P_3KaEAxUAAAAAHQAAAAAQ1AE The post IBR Ep 168- The Mitzvah Project: Resting on Shabbat appeared first on Out of Ashes Ministries.
This episode is packed with answers to listener questions about student loans. From Public Service Loan Forgiveness rules to spousal consolidation loans, we're covering real-life scenarios that borrowers face every day. Wondering how family size changes affect payments or what to make of new repayment plans? We've got you. Tune in for practical advice, expert tips, and answers to the questions you didn't even know you had. Let's get into it! Key moments: (04:07) Tackling spousal consolidation loan headaches and finding a way forward (06:44) Why claiming dependents can impact your loan forgiveness taxes (15:41) Nearing forgiveness? Here's what to know about IBR qualification (18:37) Forbearance confusion: Does processing or administrative forbearance count for PSLF? Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Amazon Music Leave an honest review on Apple Podcasts Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!
Welcome to the new IBR series, “The Mitzvah Project”. In this series, we are going to be looking at ways to better & more consistently observe the commandments, beginning with Shabbat. We invite you to come along on this amazing journey! https://youtu.be/2FwpfjDsuGk OAM Website https://www.outofashesministries.org/podcast/ GIVE: https://www.outofashesministries.org/give YouTube: https://www.youtube.com/playlist?list=PLnWucfsRXCaeDioM-nlwgHa_fC1_wB50C Apple Podcasts: https://podcasts.apple.com/us/podcast/out-of-ashes-ministries/id1487385984 Google Podcasts: https://podcasts.google.com/feed/aHR0cHM6Ly93d3cub3V0b2Zhc2hlc21pbmlzdHJpZXMub3JnL3Nlcm1vbnMvZmVlZC8/episode/aHR0cHM6Ly93d3cub3V0b2Zhc2hlc21pbmlzdHJpZXMub3JnL3Nlcm1vbnMvaWJyLWVwLTEzMy13aGF0LWRvLXlvdS13YW50LXBhcnQtNS8?sa=X&ved=0CAUQkfYCahgKEwj414P_3KaEAxUAAAAAHQAAAAAQ1AE
Welcome to the new IBR series, “The Mitzvah Project”. In this series, we are going to be looking at ways to better & more consistently observe the commandments, beginning with Shabbat. We invite you to come along on this amazing journey! OAM Website https://www.outofashesministries.org/podcast/ GIVE: https://www.outofashesministries.org/give YouTube: https://www.youtube.com/playlist?list=PLnWucfsRXCaeDioM-nlwgHa_fC1_wB50C Apple Podcasts: https://podcasts.apple.com/us/podcast/out-of-ashes-ministries/id1487385984 Google Podcasts: https://podcasts.google.com/feed/aHR0cHM6Ly93d3cub3V0b2Zhc2hlc21pbmlzdHJpZXMub3JnL3Nlcm1vbnMvZmVlZC8/episode/aHR0cHM6Ly93d3cub3V0b2Zhc2hlc21pbmlzdHJpZXMub3JnL3Nlcm1vbnMvaWJyLWVwLTEzMy13aGF0LWRvLXlvdS13YW50LXBhcnQtNS8?sa=X&ved=0CAUQkfYCahgKEwj414P_3KaEAxUAAAAAHQAAAAAQ1AE The post IBR Ep 167- The Mitzvah Project- Remembering/Sanctifying the Shabbat (Part 2) appeared first on Out of Ashes Ministries.
In their extreme hubris, humans believe that Luke's admonition, “A tree is known by its fruit,” is nothing more than a proverb about being a “better parent.” But as I explained a few episodes ago, it is a warning that humans can't parent.It is a judgment, a mashal, a rule, a verse, a biblical sign that there is no such thing as a good human parent because the only tree that bears “good fruit” is the wisdom of God.With this in mind, what did you go out to see in the wilderness of Luke 7? Twice?Luke wrote the question twice.Twice, he asked, “Are you the Expected One, or do we look for someone else?”Twice, as if the same person were looking at himself in the mirror.Is Jesus looking for John the Baptist, or is it the other way around? What's the difference between the message and the messenger?Do you study the Bible, or does the Bible study you?Who is the reed shaken by the wind?Is it the reed Solomon can't use to measure John's Palace, or the reed Isaiah's “Bringer of Justice” refuses to break?Who is the “Bringer of Justice?” Can you tell?What did you go out to see, human?A prophet? You may be indifferent to the prophet, yes, but then you hate his message, too.You hypocrite.I will tell you what the fruit of the Good Parent looks like.It doesn't eat bread, and it doesn't drink wine, and you say it has a demon.It eats bread and drinks its fill, and you accuse it of gluttony.Why? Because you are a wicked human parent. You do not love God. You are like a spoiled child: impossible to please, self-serving, fickle, unresponsive, pouty, regardless of the message or the messenger.But the children of the Good Parent, whether they fast or feast sumptuously with sinners, are deemed righteous by the Most High; the same is shown to be righteous by his children.As Paul said:“You are the seal of my apostleship in the Lord.”This week, I discuss Luke 7:25-35.Show Notesצ-ד-ק (sade-dalet-qof) / ص-د-ق (ṣād-dāl-qāf) / δικαιόωThe root צ-ד-ק carries the usage “deemed just” or “deemed righteous” in Semitic languages:Aramaic: צְדֵק “He was righteous.”Syriac: זָדֵק “It is right.” Note the shift of צ to ז. (Klein)Ugaritic: (ṣdq) “Reliable, strong.”Arabic: صَدَقَ (ṣadaqa) “He spoke the truth.”Ethiopic: (ṣadaqa) “He was just, was righteous.”In the Bible, there are numerous examples of this root as it pertains to God's judgment:“And the heavens declare His righteousness (צִדְקָתוֹ, ṣidqātō), for God Himself is judge. Selah.” (Psalms 50:6)“Put Me in remembrance, let us argue our case together; state your cause, that you may be proved right (תִּצְדָּק, tiṣdāq).” (Isaiah 43:26)“In the Lord all the offspring of Israel will be [deemed] righteous (יִצְדְּקוּ, yiṣdāqū) and will glory.” (Isaiah 45:25)In the Qur'an and Arabic, the root ص-د-ق is associated with honesty, trustworthiness, acts of charity, the fulfillment of promises, and righteousness. Compare parallel usage in the Torah and the Qur'an:ְהֶאֱמִן בַּיהוָה וַיַּחְשְׁבֶהָ לּוֹ צְדָקָה (Wa-heʾemin ba-Yahweh wa-yaḥshebaha lahu ṣidāqah)“Then he believed in the Lord, and he reckoned it to him as righteousness.” (Genesis 15:6)وَاذْكُرْ فِي الْكِتَابِ إِبْرَاهِيمَ إِنَّهُ كَانَ صِدِّيقًا نَبِيًّا(Wa-udhkur fī al-kitābi Ibrāhīma innahu kāna ṣiddīqan nabiyyā.)“And mention in the Book Abraham. Indeed, he was a man of righteousness and a prophet.”(Surah Maryam, 19:41)Examples of ص-د-ق in Arabic: صَدِّيقٌ (ṣiddīq) – A person of high righteousness and truthfulness.صَدَقَةٌ (ṣadaqah) – Voluntary charity or almsgiving.صَادِقٌ (ṣādiq) – Truthful, honest, a righteous person.تَصْدِيقٌ (taṣdīq) – Affirmation or confirmation of truth.مُصَدِّقٌ (muṣaddiq) – One who believes in and confirms the truth. ★ Support this podcast on Patreon ★
If you're counting down your final PSLF payments and feeling like you're losing your mind with all the uncertainty, this episode is for you. We'll tackle what's actually worth worrying about when you're close to forgiveness, explore strategies for navigating the final stretch, dig into the PSLF buyback situation, and cover what you need to know about potential new repayment plans and legislative changes on the horizon. Key moments: (01:19) Misinformation about applying for PSLF buyback: What's real and what's noise (08:31) Court rulings, tax changes, and what they mean for forgiveness programs (15:14) What to do while waiting for IBR application processing (16:07) New Republican proposal to reset student loan interest rates Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Amazon Music Leave an honest review on Apple Podcasts Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!
In this comprehensive episode of Finding Financial Freedom with The Frugal Physician, Dr. Disha Spath hosts Travis Hornsby, founder and CEO of Student Loan Planner, to explore the current landscape of student loans and repayment strategies for high-debt professionals. With over $800 million in student loans consulted on, Travis is an authority on loan repayment and shares crucial insights on navigating Public Service Loan Forgiveness (PSLF), recent policy changes, and strategies for repayment that every physician, professional, and student loan borrower needs to know. Discover how changes in student loan policies under the Trump, Obama, and Biden administrations have reshaped the repayment landscape and what potential policy shifts could mean for borrowers in the coming years. Travis also discusses methods to optimize PSLF eligibility, the pros and cons of refinancing, and the best strategies for long-term financial freedom despite student loan debt. Key Topics Covered: Travis Hornsby's Journey & Student Loan Planner's Mission Travis's background in finance and bond trading at Vanguard, his journey to starting Student Loan Planner, and why he's dedicated his career to helping borrowers navigate complex student loan systems. Public Service Loan Forgiveness (PSLF): From Inception to Transformation How PSLF has evolved since its inception in 2007, including challenges under the Trump administration and impactful changes introduced by President Biden. Changes in Income-Driven Repayment (IDR) Plans Overview of the original income-driven repayment options (PAYE, REPAYE, IBR, ICR) and how Biden's new SAVE plan replaced REPAYE with enhanced interest subsidies. Potential Pitfalls & Common Mistakes in Repayment Plans How to avoid costly missteps when selecting a repayment plan, including considerations around PSLF qualification, income certification, and timing of tax filings. Navigating Political and Legal Challenges in Student Loan Policies Insights into current legal challenges to the SAVE plan and potential impacts of future policy changes on IDR options for physicians and other borrowers. Refinancing vs. Forgiveness Travis outlines when it's beneficial to refinance your loans versus staying on a PSLF track, with practical advice for borrowers based on debt-to-income ratio and financial goals. Resources Mentioned: Student Loan Planner for calculators, tools, and professional consultations. Travis's Books: Managing Your Money in Your Twenties and Thirties and 25 is the New 65: How to Retire Outrageously Early. Listener Takeaways: Gain a better understanding of student loan repayment plans and forgiveness options. Learn the strategies for managing student loans amidst political upheaval and legal challenges. Understand when refinancing makes sense versus sticking with PSLF or other forgiveness options. Connect with Us: Host: Dr. Disha Spath, The Frugal Physician Guest: Travis Hornsby, CFA, CFP, Student Loan Planner Follow us on Instagram, Facebook, and Twitter for updates on upcoming episodes. Thank you for tuning in! Be sure to share this episode with anyone navigating student loan repayment. This episode is sponsored by: PearsonRavitz– Helping physicians safeguard their most valuable assets. This episode is also sponsored by FacetWealth– Discover how Facet is transforming financial planning for physicians with personalized, flat-fee financial planning—visit facet.com/frugalphysician to start building your financial future today.
pWotD Episode 2726: Yahya Sinwar Welcome to Popular Wiki of the Day, spotlighting Wikipedia's most visited pages, giving you a peek into what the world is curious about today.With 475,444 views on Friday, 18 October 2024 our article of the day is Yahya Sinwar.Yahya Ibrahim Hassan Sinwar (Arabic: يحيى إبراهيم حسن السنوار, romanized: Yaḥyá Ibrāhīm Ḥasan al-Sinwār; 29 October 1962 – 16 October 2024) was a Palestinian militant and politician who served as the leader of the Hamas government in the Gaza Strip from February 2017 and as the leader of Hamas as a whole from August 2024 until his death, succeeding Ismail Haniyeh in both roles.Sinwar was born in the Khan Yunis refugee camp in Egyptian-ruled Gaza in 1962 to a family who had been expelled or fled from Majdal 'Asqalan (modern Ashkelon) during the 1948 Palestine War. He finished his studies at the Islamic University of Gaza, where he received a bachelor's degree in Arabic studies. In 1989, Sinwar was sentenced to four life sentences in Israel for orchestrating the abduction and killing of two Israeli soldiers and four Palestinians he considered to be collaborators. He spent 22 years in prison until his release among 1,026 others in a 2011 prisoner exchange for Israeli soldier Gilad Shalit. During his time in prison, Sinwar continued to coordinate the execution of Palestinians suspected of collaboration with Israel and planned the abduction of Israeli soldiers. Sinwar was one of the co-founders of the security apparatus of Hamas.In 2017, Sinwar was elected as the leader of Hamas in Gaza and claimed to pursue 'peaceful, popular resistance' the following year, supporting the 2018–2019 Gaza border protests, though he is also reported to have been dedicated to eradicating Israel and is said to have seen military confrontation as the only path to "liberating Palestine", saying that this would be achieved "by force, not negotiations". He also developed strong ties with Iran. Re-elected as Hamas leader in 2021, Sinwar survived an assassination attempt by Israel that same year. He is widely regarded as the mastermind behind the 7 October Hamas-led attack on Israel in 2023. The attack killed 1,200 people, mostly civilians, and led to the capture of 250 hostages, making the day of the attack the deadliest in Israel's history. Israel responded with an invasion of the Gaza Strip, which has caused widespread destruction in Gaza and killed more than 42,000 Palestinians. The ongoing conflict has since expanded, leading to an Israeli invasion of Lebanon targeted at Hezbollah and exchanges of strikes between Israel and Iran. Sinwar was killed on 16 October 2024, during a firefight with the Israeli military.Hamas and the Izz ad-Din al-Qassam Brigades have been designated terrorist organisations by the United States, the European Union, and other countries and, in September 2015, Sinwar was specifically designated a terrorist by the United States government. In May 2024, Karim Khan, the prosecutor of the International Criminal Court, announced his intention to apply for an arrest warrant for Sinwar for war crimes and crimes against humanity, as part of the ICC investigation in Palestine.This recording reflects the Wikipedia text as of 02:09 UTC on Saturday, 19 October 2024.For the full current version of the article, see Yahya Sinwar on Wikipedia.This podcast uses content from Wikipedia under the Creative Commons Attribution-ShareAlike License.Visit our archives at wikioftheday.com and subscribe to stay updated on new episodes.Follow us on Mastodon at @wikioftheday@masto.ai.Also check out Curmudgeon's Corner, a current events podcast.Until next time, I'm generative Amy.
Imagine a world where the SAVE plan is struck down by the courts, taking various income-driven repayment (IDR) plans with it and leaving millions of borrowers scrambling. This worst-case scenario could block hundreds of thousands from accessing Public Service Loan Forgiveness (PSLF) and introduce massive complications for those on IDR plans. But don't worry, I'll break down this doomsday scenario, discuss its implications, and offer strategies for how you can best prepare. Highlights from this episode: 02:37 Tougher eligibility for PSLF and income-driven repayment 06:33 Key tax strategies (reducing AGI, filing separately, and community property considerations) 09:36 Why I'm not overly concerned just yet 16:51 How to make sure you can still get a spot on the IBR plan Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Amazon Music Leave an honest review on Apple Podcasts Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!
Listen now to get the latest from Adam Woods on the potential revamp of Bord Bia schemes, a flying cattle trade as well as breed bonuses. Amy Forde discusses the expected funding for an IBR scheme in next week's budget and the latest on the UK bluetongue front. Meanwhile, Noel Bardon chats about organic targets and how they're falling short in Europe. Hosted on Acast. See acast.com/privacy for more information.
Payment caps aren't something most borrowers think about, but they can have a huge impact on anyone using an income-driven repayment (IDR) plan. With ongoing court battles that could reshape repayment options, it's more important than ever to understand what payment caps are, how they work, and why they could mean massive shifts in how borrowers handle their payments and pursue forgiveness. In today's episode: 01:03 How payment caps work under Saving on a Valuable Education (SAVE), Income-Based repayment (IBR) and Pay As You Earn (PAYE) 06:44 What happens if you can't get on the income-based repayment plan? 11:51 Did the Biden administration's handling of SAVE create more challenges for borrowers? 13:53 The final outcome hinges on Trump or Harris administration decisions Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Amazon Music Leave an honest review on Apple Podcasts Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!
In his latest opinion piece, John Ley calls on local officials to protect Southwest Washington taxpayers from the IBR's costly light rail extension. Learn more by visiting https://www.clarkcountytoday.com/opinion/opinion-elected-officials-should-protect-southwest-washington-taxpayers/ on www.ClarkCountyToday.com. #ClarkCountyWa #LocalNews #I5Bridge #SouthwestWashington #Transportation
1643-1645 äger en rad olika sammankopplade krig mellan Sverige och Danmark rum. Horns krig i Skåne, Torstenssons krig i södra Danmark och Hannibalsfejden vid den svensk-norska gränsen. De är resultaten av en svensk aggression i sin tur sprungen ur kallhamrad realpolitik. Slå ur överläge. Oavsett krigets rättfärdigande.Det fanns många sådana krig under 1600-talet. Som bekant är det ett krigiskt århundrade. När krigen hade löpt sin lina var det dags att förhandla om fred. Vad som beslutades om vid tunga bord för 375 år sedan påverkar oss faktiskt fortfarande. I Brömsebro 1645 blev Jämtland, Härjedalen och Gotland svenska landskap. Halland följde med på pant.Om kriget, om freden och om hur Axel Oxenstierna jobbade för att få de nya landskapen att bli en del av riket handlar dagens avsnitt. Ett ovanligt bra sådant!—Läslista:Englund, Peter, Ofredsår: om den svenska stormaktstiden och en man i dess mitt, 2. uppl., Atlantis, Stockholm, 1994Bromé, Janrik (red.), Jämtlands och Härjedalens historia D. 2 1537-1645, Norstedt, Stockholm, 1945Ericson Wolke, Lars, Larsson, Göran & Villstrand, Nils Erik, Trettioåriga kriget: [Europa i brand 1618-1648], Historiska media, Lund, 2006Hadenius, Stig, Nilsson, Torbjörn & Åselius, Gunnar, Guide till Sveriges historia, [Ny utg.], Kunskapsförl./Norstedt, Stockholm, 2000Theland, Tord, Mildhet och saktmod [Elektronisk resurs] Den svenska konglomeratstaten och Jämtland efter freden i Brömsebro 1645, Mittuniversitetet, Diss. Sundsvall : Mittuniversitetet, 2020,Sundsvall, 2020 Lyssna på våra avsnitt fritt från reklam: https://plus.acast.com/s/historiepodden. Hosted on Acast. See acast.com/privacy for more information.
We discuss getting and keeping this year's calf crop healthy. Plus, updates on Beef imports and exports, new possible genetic defects, markets, recaps, sales and more on this all new episode of the Ranch It Up Radio Show. Be sure to subscribe on your favorite podcasting app or on the Ranch It Up Radio Show YouTube Channel. EPISODE 189 DETAILS BOVINE RESPIRATORY DISEASE (BRD), MANAGE IT NOW. OVERVIEW OF BOVINE RESPIRATORY DISEASE COMPLEX Bovine respiratory disease (BRD), shipping fever pneumonia, or undifferentiated fever is a respiratory disease of cattle of multifactorial etiology with Mannheimia haemolytica and, less commonly, Pasteurella multocida, Histophilus somni ( see Histophilosis), or Mycoplasma bovis being the important bacterial agents involved. Viral pathogens may also be involved, such as bovine herpesvirus 1, parainfluenza-3 virus, and bovine respiratory syncytial virus. BRD has a multifactorial etiology and develops as a result of complex interactions between environmental factors, host factors, and pathogens. Environmental factors (eg, weaning, transport, commingling, crowding, inclement weather, dust, and inadequate ventilation) serve as stressors that adversely affect the immune and nonimmune defense mechanisms of the host animal. In addition, certain environmental factors (eg, crowding and inadequate ventilation) can enhance the transmission of infectious agents among animals. Many infectious agents have been associated with BRD. An initial pathogen (eg, a virus) may alter the animal's defense mechanisms, allowing colonization of the lower respiratory tract by bacteria. BRD is most commonly associated with the transport and assembly of large groups of recently weaned calves into feedlots. Morbidity in these types of feeder calves often peaks within the first 7–10 days after feedlot arrival. Morbidity can approach 35%–50%, and case fatality is 5%–10%; however, the levels of morbidity and mortality strongly depend on the array of risk factors present in the cattle being fed. The use of broad-spectrum antimicrobials labeled for bovine respiratory disease is the primary treatment, with macrolides and fenicols most commonly used as first-line treatment. Prevention and control are achieved via vaccination programs, preconditioning, identification and treatment of subclinically infected animals, and biosecurity. Etiology of Bovine Respiratory Disease The pathogenesis of bovine respiratory disease involves a stress factor, sometimes coupled with viral infection, which results in suppressed immune defenses and the proliferation of bacteria in the upper respiratory tract. Subsequently, these bacteria colonize the lower respiratory tract and cause bronchopneumonia with a cranioventral distribution in the lung. Many of the bacteria and viruses involved are commensal organisms of the upper respiratory tract that can be isolated from a proportion of healthy animals. Multiple stress factors contribute to the suppression of host defense mechanisms in cattle. Weaning is a noteworthy stressor, and the incidence of this disease is highest in recently weaned calves. Transportation over long distances serves as a stressor; it may be associated with exhaustion, starvation, dehydration, chilling, and overheating, depending on weather conditions. Additional important stressors include passage through auction markets; commingling, processing, and surgical procedures on arrival at the feedlot; dusty environmental conditions; and nutritional stress associated with a change to high-energy rations in the feedlot. The individual viral and bacterial etiologies, clinical signs, lesions, and treatment are discussed under Viral Infections Associated with Bovine Respiratory Disease Complex in Cattle and Bacterial Pneumonia in Cattle with Bovine Respiratory Disease Complex. Viruses associated with BRD include: bovine herpesvirus 1 (IBR) bovine respiratory syncytial virus parainfluenza-3 virus bovine viral diarrhea virus bovine adenovirus bovine coronavirus Bacteria associated with BRD include: Mannheimia haemolytica Pasteurella multocida Histophilus somni Mycoplasma bovis Bibersteinia trehalosi Control and Prevention of Bovine Respiratory Disease Prevention of bovine respiratory disease should focus on decreasing the stressors that contribute to development of the disease. Cattle should be assembled rapidly into groups, and new animals should not be introduced to established groups. Mixing of cattle from different sources should be avoided or minimized if possible; however, in the North American beef industry, this risk factor is almost unavoidable for large intensive feedlots. Transport time should be minimized, and rest periods, with access to feed and water, should be provided during prolonged transport. Calves should ideally be weaned 2–3 weeks before shipment, and surgical procedures should be performed in advance of transport; however, the availability of these “preconditioned” calves is quite limited. Cattle should receive arrival processing, which would include vaccinations and possibly metaphylactic antimicrobials within 48 hours after arrival at the feedlot. Adaptation to high-energy rations should be gradual, because acidosis, indigestion, and anorexia may inhibit the immune response. Vitamin and mineral deficiencies should be corrected. Dust control measures should be used. Metaphylaxis with long-acting antimicrobials, such as oxytetracycline, tilmicosin, florfenicol, gamithromycin, tildipirosin, or tulathromycin, has been widely adopted as a control measure given “on arrival” to cattle at high risk of developing shipping fever pneumonia. Metaphylaxis on arrival has been shown to substantially decrease morbidity, improve rate of gain, and, in some cases, decrease mortality. Mass medication in feed or water is of limited value because sick animals do not eat or drink enough to achieve inhibitory blood levels of the antimicrobial, and many of these oral antimicrobials are poorly absorbed in ruminants. On arrival, processing usually involves administration of modified live virus vaccines for viral antigens and for bacterial components of shipping fever pneumonia. Because most cases of pneumonia occur during the first 2 weeks after arrival, these on-arrival vaccines may not have adequate time to stimulate complete immunity in all individuals. When possible, vaccinations for the viral and bacterial components of shipping fever pneumonia should be given 2–3 weeks before transport or earlier and can be repeated on entry to the feedlot. Key Points BRD is the most common and costly disease affecting the North American beef cattle industry. BRD risk factors include weaning, transportation, adverse weather, commingling, and stressful events such as dehorning and castration. BRD is caused by suppressed immune responses and initial viral infection, which allow colonization of the lung by commensal URT bacteria. Preconditioning, minimizing mixing, vaccination for BRD pathogens, and metaphylaxis for high-risk animals are major control methods. Broad-spectrum antimicrobials labeled for bovine respiratory disease are the primary treatment. For More Information Key elements for implementing antimicrobial stewardship plans in bovine veterinary practices. American Association of Bovine Practitioners. Updated March 2022 Joint AABP-AVC Judicious Therapeutic Use of Antimicrobials in Cattle Cattle Industry News: Beef From Australia, New Genetic Defects, Alberta Prepares for HPAI, Trips Suspended to Michigan Farms U.S. IMPORTS OF AUSTRALIAN BEEF UP 74% FROM A YEAR AGO Australian exports of beef to the United States have soared in the last 12 months, hitting over 31,000 tons in May. Compared to the same month a year ago, that sum is 74% higher, according to global supply analyst Tim Jackson of Meat & Livestock Australia, a checkoff group for the country's red meat producers. Australian farmers have also gained beef market share in Japan and South Korea largely at the expense of U.S. exporters, Jackson said. Australia's global beef exports last month were up 9% from April and 25% from May 2023, hitting almost 114,000 tons — the highest level in more than four years. Jackson commented that the U.S. declines in production are now having a noticeable impact on export flows. NEW GENETIC DEFECT AFFECTING CATTLE MOBIDITY AND MEAT QUALITY Cattle have long been a cornerstone of agriculture, providing us with milk, meat, and various other products that nourish and sustain our communities. Ensuring the cattle's health and optimal muscle development is vital when producing high-quality beef. However, various genetic conditions can disrupt muscle metabolism, affecting animals' well-being and the quality of the meat they produce. Researchers at the University of Nebraska — Lincoln have discovered a new defect in composite cattle (Simmental, Red Angus, Gelbvieh) that often caused physical collapse when they exercised, with some calves unable to recover. This is an autosomal recessive genetic defect, which means both parents of affected calves must carry one copy of the mutation. TRIPS SUSPENDED TO MICHIGAN FARMS The Michigan Department of Health and Human Services asked the public to postpone visits to farms with dairy herds and poultry flocks amid the HPAI outbreak. Over the past few weeks, Michigan has reported two human cases of the H5 virus. The department asked schools, daycares, camps and other programs to delay any planned field trips to farms. ALBERTA PREPARES FOR HPAI IN CATTLE According to Chris Scott with Meating Place dot com, Confirmation of H5 virus infections in U.S. dairy cows is prompting animal health officials in Canada to consider their options to prevent the virus from affecting herds north of the U.S. border. Dr. Keith Lehman, Alberta's chief veterinarian, told CBC News that vigilant surveillance is critical to protecting the Canadian dairy herd from a virus that has been confirmed among dairy cows in nine U.S. states so far. Canada imposed new import rules last month that require lactating cows from U.S. dairy farms test negative for H5 within seven days of export to help the nation maintain its HPAI-free status among cattle. UPCOMING SALES & EVENTS ISA Beefmasters: October 5, 2024, San Angelo, Texas BULL SALE REPORT & RESULTS Churchill Cattle Company Van Newkirk Herefords Gardiner Angus Ranch Cow Camp Ranch Jungels Shorthorn Farms Ellingson Angus Edgar Brothers Angus Schaff Angus Valley Prairie Hills Gelbvieh Clear Springs Cattle Company CK Cattle Mrnak Hereford Ranch Frey Angus Ranch Hoffmann Angus Farms Topp Herefords River Creek Farms Upstream Ranch Gustin's Diamond D Gelbvieh Schiefelbein Farms Wasem Red Angus Raven Angus Krebs Ranch Yon Family Farms Chestnut Angus Eichacker Simmentals & JK Angus Windy Creek Cattle Company Pedersen Broken Heart Ranch Mar Mac Farms Warner Beef Genetics Arda Farms & Freeway Angus Leland Red Angus & Koester Red Angus Fast - Dohrmann - Strommen RBM Livestock Weber Land & Cattle Sundsbak Farms Hidden Angus Wheatland Cattle Company Miller Angus Farms L 83 Ranch U2 Ranch Vollmer Angus Ranch A & B Cattle Carter Angus Farms Roller Ranch Montgomery Ranch Jorgensen Farms DLCC Ranch Four Hill Farm North Country Angus Alliance Spruce Hill Ranch Wilson Angus FEATURING Dave Sjeklocha, DVM Merck Animal Health @merckanimalhealth https://www.merckvetmanual.com/ https://www.merck-animal-health-usa.com/ Mark VanZee Livestock Market, Equine Market, Auction Time https://www.auctiontime.com/ https://www.livestockmarket.com/ https://www.equinemarket.com/ @LivestockMkt @EquineMkt @AuctionTime Kirk Donsbach: Stone X Financial https://www.stonex.com/ @StoneXGroupInc Shaye Koester Casual Cattle Conversation https://www.casualcattleconversations.com/ @cattleconvos Questions & Concerns From The Field? Call or Text your questions, or comments to 707-RANCH20 or 707-726-2420 Or email RanchItUpShow@gmail.com FOLLOW Facebook/Instagram: @RanchItUpShow SUBSCRIBE to the Ranch It Up YouTube Channel: @ranchitup Website: RanchItUpShow.com https://ranchitupshow.com/ The Ranch It Up Podcast available on ALL podcasting apps. Rural America is center-stage on this outfit. AND how is that? Tigger & BEC Live This Western American Lifestyle. Tigger & BEC represent the Working Ranch world and cattle industry by providing the cowboys, cowgirls, beef cattle producers & successful farmers the knowledge and education needed to bring high-quality beef & meat to your table for dinner. Learn more about Jeff 'Tigger' Erhardt & Rebecca Wanner aka BEC here: TiggerandBEC.com https://tiggerandbec.com/ #RanchItUp #StayRanchy #TiggerApproved #tiggerandbec #rodeo #ranching #farming References https://www.stonex.com/ https://www.livestockmarket.com/ https://www.equinemarket.com/ https://www.auctiontime.com/ https://gelbvieh.org/ https://www.imogeneingredients.com/ https://alliedgeneticresources.com/ https://westwayfeed.com/ https://medoraboot.com/ http://www.gostockmens.com/ https://www.imiglobal.com/beef https://www.tsln.com/ https://transova.com/ https://axiota.com/ https://www.merckvetmanual.com/respiratory-system/bovine-respiratory-disease-complex/overview-of-bovine-respiratory-disease-complex#Key-Points_v74932778 https://www.meatingplace.com/Industry/News/Details/114883 https://www.cattlebusinessweekly.com/articles/new-genetic-defect-impacting-cattle-morbidity-and-meat-quality/ https://www.meatingplace.com/Industry/News/Details/114869 https://www.meatingplace.com/Industry/News/Details/114841 https://www.merck-animal-health-usa.com/
1643-1645 äger en rad olika sammankopplade krig mellan Sverige och Danmark rum. Horns krig i Skåne, Torstenssons krig i södra Danmark och Hannibalsfejden vid den svensk-norska gränsen. De är resultaten av en svensk aggression i sin tur sprungen ur kallhamrad realpolitik. Slå ur överläge. Oavsett krigets rättfärdigande.Det fanns många sådana krig under 1600-talet. Som bekant är det ett krigiskt århundrade. När krigen hade löpt sin lina var det dags att förhandla om fred. Vad som beslutades om vid tunga bord för 375 år sedan påverkar oss faktiskt fortfarande. I Brömsebro 1645 blev Jämtland, Härjedalen och Gotland svenska landskap. Halland följde med på pant.Om kriget, om freden och om hur Axel Oxenstierna jobbade för att få de nya landskapen att bli en del av riket handlar dagens avsnitt. Ett ovanligt bra sådant!—Läslista:Englund, Peter, Ofredsår: om den svenska stormaktstiden och en man i dess mitt, 2. uppl., Atlantis, Stockholm, 1994Bromé, Janrik (red.), Jämtlands och Härjedalens historia D. 2 1537-1645, Norstedt, Stockholm, 1945Ericson Wolke, Lars, Larsson, Göran & Villstrand, Nils Erik, Trettioåriga kriget: [Europa i brand 1618-1648], Historiska media, Lund, 2006Hadenius, Stig, Nilsson, Torbjörn & Åselius, Gunnar, Guide till Sveriges historia, [Ny utg.], Kunskapsförl./Norstedt, Stockholm, 2000Theland, Tord, Mildhet och saktmod [Elektronisk resurs] Den svenska konglomeratstaten och Jämtland efter freden i Brömsebro 1645, Mittuniversitetet, Diss. Sundsvall : Mittuniversitetet, 2020,Sundsvall, 2020 Lyssna på våra avsnitt fritt från reklam: https://plus.acast.com/s/historiepodden. Hosted on Acast. See acast.com/privacy for more information.
[Ibrâhîm (Abraham)] said: "Do you then worship besides Allâh, things that can neither profit you, nor harm you? (Quran 21:66)
Calfhood health is vital to any operation and it starts long before the calves hit the ground. Plus we have the latest cattle and livestock news, bull sale updates, markets, hay auctions and lots more on this all new episode of The Ranch It Up Radio Show. Be sure to subscribe on your favorite podcasting app or on the Ranch It Up Radio Show YouTube Channel. EPISODE 174 DETAILS Calfhood health is vital for a calves' success later in life. But it starts long before they are born and hits the ground! We visited with Dr. Tim Park, D.V.M., A Senior Beef Technical Service Manager with Merck Animal Health about what we need to do to set up our cows and ultimately our calves for the best chances of success. Farmers are getting older and older. We have the latest numbers from USDA's NASS. Senators from Montana and South Dakota are saying NO to Paraguayan Beef Imports. We have the latest updates. Be sure to read more about it in our latest news feature Bull Sales are in full swing! View the latest details and hear our list on Ranch Channel. Plus we have information on upcoming hay auctions, market recaps and lots more! EPISODE 174 DETAILS Calfhood health is vital for a calves' success later in life. But it starts long before they are born and hits the ground! We visited with Dr. Tim Park, D.V.M., A Senior Beef Technical Service Manager with Merck Animal Health about what we need to do to set up our cows and ultimately our calves for the best chances of success. Farmers are getting older and older. We have the latest numbers from USDA's NASS. Senators from Montana and South Dakota are saying NO to Paraguayan Beef Imports. We have the latest updates. Be sure to read more about it in our latest news feature Bull Sales are in full swing! View the latest details and hear our list on Ranch Channel. Plus we have information on upcoming hay auctions, market recaps and lots more! VACCINATION PROGRAMS IN BEEF CATTLE Vaccines are pharmaceutical products that are intended to be administered to healthy animals to better prepare the animal's immune system to combat bacterial, viral, or protozoal health challenges. More simply stated, vaccines are intended to be used to prevent disease and generally do so through establishing and maintaining relatively high levels of circulating antibody titers. Because antibody titers wane over time, it is important that vaccines be administered and readministered (often referred to as "boostered") at the times necessary to result in antibody coverage throughout expected or potential exposure to disease-causing pathogens. It is critically important to recognize that vaccines are intended to be preventive tools, and the efficacy of any tool can be impacted by how it is used. Because vaccines are biological products, they are often susceptible to environmental abuse and exposure to conditions outside of certain optimal ranges. As such, vaccines should be stored, handled, and administered in ways that are described on the label using techniques that protect product efficacy. The product label contains the information necessary to ensure that product storage, handling, and administration practices do not limit or negate product efficacy. Deviations from such instructions may result in decreased product efficacy. In general, most vaccines should be refrigerated, but not frozen, and should remain within the desired refrigerated temperature range throughout storage, transportation, and up to the time of administration. The most common causes of decreased efficacy are storage, transportation, and handling abuse. Examples include not transporting vaccines in coolers, not storing vaccines in coolers on working days, and storing vaccines in refrigerators that do not maintain temperature within the necessary range. Vaccines that will be stored for extended periods of time should be stored only in refrigerators that have been verified to maintain the correct temperature range. Data-logging thermometers are an inexpensive but valuable investment. Vaccines, including vaccine vials and loaded syringes, should also be protected from direct exposure to sunlight. In addition, vaccines that have been exposed to the environment by puncturing the seal with a needle should not be stored and reused. If a needle has been inserted into the vial, the vaccine should be used during that working event, and any unused contents discarded per label directions. Storing previously opened vaccines allows for the potential growth of harmful microorganisms, and thus should be avoided in order to minimize the risk of unintentionally causing an adverse reaction or health event. Some vaccines require reconstitution by adding diluent to a dehydrated powder. All vaccines require mixing or agitating before administration. Mix vaccines gently by slowly swirling and inverting unless the label specifies otherwise. If reconstitution is required, reconstitute and mix only the amount of vaccine that will be used within an hour or less. Do not mix the entire day's allotment of vaccine at the beginning of a working event. It is good practice to reconstitute and mix only a single bottle of vaccine at a time. Disposable syringes and needles should be discarded after each use. Repeatable, repeater, or "pistol-grip" style syringes should be cleaned after each use. Do not use soap, cleaning agents, or chemical disinfectants to clean reusable syringes. Rather, flush them repeatedly with hot water. Water should be boiled and allowed to cool slightly before repeatedly filling and emptying the syringe. Transfer needles should be boiled in water, then allowed to dry before storage and eventual reuse. Syringe lubricants are not recommended because they represent a potential risk to product efficacy through interaction with the active components of the vaccine. Syringe lubricants are also unnecessary because the initial draw of a vaccine into the syringe provides adequate lubrication. Syringe O-rings should be replaced as necessary, and extras should be kept on hand so that they are available when needed. This will help to minimize the risk of a syringe failure. Similarly, vaccine efficacy may be limited by the ability of the animal's immune system to adequately respond to the vaccine. There are a number of animal-related factors that may influence vaccine efficacy. Of these, nutrition and environmental stressors are the most common. Both nutrient deficiencies and toxicities can impair immune function and, as a result, influence an individual animal's response to a vaccine. Trace mineral, protein, and energy deficiencies are the most common nutrition-related issues that limit vaccine efficacy. Energy deficiencies are generally easy to identify through low levels of animal performance, low body condition, and general unthriftiness. Trace mineral and protein deficiencies are often more difficult to visually identify. Trace mineral deficiencies, however, are easy to correct through supplementing with minerals or including trace mineral sources at adequate (but not excessive) levels in a complete ration. Consumption of mycotoxins, other toxins, or other antinutritional factors may also impact vaccine efficacy. In addition, pre existing disease, heavy parasite loads, heat stress, and cold stress are all conditions that may also influence the animal's immune system and as a result, its ability to fully respond to a vaccine. Although certain vaccinations are highlighted in this chapter, their mention should be considered a general rule of thumb. Their necessity for a given herd health program, or the lack thereof, may be subject to interpretation or opinion. The herd veterinarian is best positioned to provide direct recommendations on vaccination programs, including which components should be considered essential, and their optimum timing of administration. Generally speaking, modified live virus (MLV) vaccines typically do not require revaccination to result in an effective antibody response. Killed virus (KV) vaccines, or combined KV and MLV vaccines, generally do require a revaccination (or booster) to result in an effective vaccination as defined by antibody response. Vaccines that require revaccination should be readministered within the period of time described on the product label. Vaccines that do not require revaccination should be administered at or near the time of weaning. Nonetheless, the product label and herd veterinarian should determine if and when revaccination is necessary to result in an effective antibody response. A strong, comprehensive beef cattle vaccination program begins with implementation at the cow-calf level. From a life cycle standpoint, preweaning calfhood vaccinations are the greatest opportunity to initiate a comprehensive and effective vaccination program. Timing of preweaning vaccinations generally coincides with other working events, such as branding, pre breeding vaccinations of the cow herd, or bull turnout. Vaccinating calves at this time will help to minimize the risk of preweaning disease and will better prepare them to withstand the stress of weaning. Calfhood vaccination programs should at minimum include vaccination against various clostridial and viral respiratory diseases. Common essential components of calfhood viral respiratory disease vaccines include: bovine respiratory syncytial virus (BRSV) bovine viral diarrhea (BVD) types I and II infectious bovine rhinotracheitis (IBR) parainfluenza type-3 (PI-3) In addition, clostridial disease vaccinations commonly include coverage against the following: Clostridium chauvoei C haemolyticum C novyi C perfringens types C & D C septicum and may also include C sordelli and/or C tetani. Some calfhood vaccination programs may also include vaccination against bacteria such as Mannheimia haemolytica and Pasteurella multocida, which cause bovine respiratory disease (BRD). It is important to recognize that this is not a comprehensive list, and specific vaccine decisions should be made in consultation with the herd veterinarian. The vaccination programs of calves that will be developed to become replacement heifers also commonly include vaccination against reproductive diseases and should be similar to the vaccine program used for the mature cow herd. In addition to IBR and BVD, and depending upon local disease risk, vaccination against Brucella, Leptospira, Vibrio, Trichomonas, Campylobacter , or anthrax may also be warranted or recommended. Brucellosis vaccination must be performed according to state regulations. Modified live vaccines for IBR and BVD give the broadest immunity to strain differences and should be administered twice to ensure a high level of immunity. Some evidence suggests that MLV BVD and IBR vaccines may affect the ovary for a short period of time after vaccination and potentially result in a minor decrease in fertility when administered immediately before or during the breeding season. For this reason, MLV IBR and/or BVD vaccines should be administered at least 1 month before the beginning of the breeding season. While vaccination of heifers with Trichomonas vaccine may increase calving rate and decrease the duration of infection in infected herds, it is important to recognize that it may not prevent infection. Vaccination against trichomoniasis may be useful in infected herds or in herds at high risk of infection, but may not yield a positive return on investment in low-risk herds. These decisions should be made in consultation with the herd veterinarian and should be based upon risk of exposure and potential economic impact. Pre Breeding vaccinations should be completed at least 4 weeks before the onset of the breeding season. Pre Calving vaccinations are intended to protect the newborn calf through colostral transfer. It may be possible for pre calving vaccinations to serve as effective pre breeding vaccinations; however, it is important to ensure that the vaccination program will provide sufficient duration of immunity to cover cattle throughout the time of greatest risk. In addition, vaccination against bacterial scours (calf diarrhea) can be a beneficial component of a herd health program. Bulls should receive the same vaccines as the cow herd, with some exceptions. Bulls should not be vaccinated for brucellosis. Similar precautions with MLV IBR vaccines should be taken for bulls as for cows. COW COUNTRY NEWS U.S Lawmakers, Cattlemen Seek Ban On Paraguayan Beef Imports U.S. Senators Jon Tester from Montana and Mike Rounds from South Dakota on Monday filed a Congressional Review Act that would overturn USDA's removal of a long-standing ban on beef imports from Paraguay. Congress may use a Congressional Review Act to overturn final rules issued by federal agencies by a simple majority vote. The move is supported by the National Cattlemen's Beef Association, United States Cattlemen's Association, R-CALF USA, Livestock Marketing Association, National Farmers Union, Montana Farmers Union, Montana Stockgrowers Association, and the Montana Farm Bureau Federation. Opponents to the Biden administration's decision to allow beef imports from Paraguay argue it is based on outdated inspections, without recent visits to confirm no risk of foot-and-mouth disease (FMD). Tester and Rounds also introduced bipartisan legislation late last year to suspend beef imports from Paraguay in response to such animal health concerns. That bill would also require the establishment of a working group to evaluate the threat to food safety and animal health posed by Paraguayan beef. The two senators have called on the USDA to collect more up-to-date data before resuming beef imports from Paraguay, whose last case of Foot and Mouth Disease occurred in 2012. Also last year, Tester and Rounds introduced bipartisan legislation to suspend Brazilian beef imports to the U.S. until experts can conduct a systemic review of the commodity's impact on food safety and animal health. The American Farmer Continues To Grow Older The American Farmer continues to grow older. The U.S. Department of Agriculture's National Agricultural Statistics Service announced the results of the 2022 Census of Agriculture, spanning more than 6 million data points about America's farms and ranches. The average American farmer is now 58.1 years old, which is an increase of about half a year compared to the last census conducted in 2017. Farmers who are 65 and older increased by 12% in this census, while farmers aged 35-64 decreased by 9%. There were 1.9 million farms and ranches, down 7% from 2017, with an average size of 463 acres. That is up 5% on 880 million acres of farmland, which is 39% of all U.S. land. Agriculture Secretary Tom Vilsack asks “This survey is essentially asking the critical question of whether as a country are we okay with losing that many farms? Are we okay with losing that much farmland or is there a better way? That's the importance of this survey. It allows us to take a snapshot in time, allows us to compare what has occurred over the five-year period, and begins to ask ourselves questions about the policy formation and the direction that we need to take in order to correct or deal with some of the challenges that the data presents.” Ag census data provides a valuable insight into demographics, economics, land use and activities on United States farms and ranches. UPCOMING BULL SALES ANGUS CHAROLAIS HEREFORD GELBVIEH BALANCER RED ANGUS SIMMENTAL SIMANGUS Windy Creek Cattle Company: March 3, 2024, Spencer, South Dakota Pederson Broken Heart Ranch: March 6, 2024, Firesteel, South Dakota Mar Mac Farms: March 6, 2024, Brandon, Manitoba Warner Beef Genetics: March 6, 2024, Arapahoe, Nebraska Arda Farms & Freeway Angus: March 8, 2024, Acme, Alberta, Canada Leland Red Angus & Koester Red Angus: March 8, 2024, Beach, North Dakota Fast - Dohrmann - Strommen: March 9, 2024, Mandan, North Dakota RBM Livestock: March 10, 2024, Florence, South Dakota Weber Land & Cattle: March 12, 2024, Lake Benton, Minnesota Sundsbak Farms: March 16, 2024, Des Lacs, North Dakota Hidden Angus: March 17, 2024, Sebeka, Minnesota Vollmer Angus Ranch: April 2, 2024, Wing, North Dakota BULL SALE REPORT & RESULTS Churchill Cattle Company Van Newkirk Herefords Gardiner Angus Ranch Cow Camp Ranch Jungels Shorthorn Farms Ellingson Angus Edgar Brothers Angus Schaff Angus Valley Prairie Hills Gelbvieh Clear Springs Cattle Company CK Cattle Mrnak Hereford Ranch Frey Angus Ranch Hoffmann Angus Farms Topp Herefords River Creek Farms Upstream Ranch Gustin's Diamond D Gelbvieh Schiefelbein Farms Wasem Red Angus Raven Angus Krebs Ranch Yon Family Farms Chestnut Angus FEATURING Dr. Tim Parks, D.V.M. Merck Animal Health https://www.merck-animal-health-usa.com/ @merckanimalhealth Kirk Donsbach: Stone X Financial https://www.stonex.com/ @StoneXGroupInc Mark Van Zee Livestock Market, Equine Market, Auction Time https://www.auctiontime.com/ https://www.livestockmarket.com/ https://www.equinemarket.com/ @LivestockMkt @EquineMkt @AuctionTime Shaye Koester Casual Cattle Conversation https://www.casualcattleconversations.com/ @cattleconvos Questions & Concerns From The Field? Call or Text your questions, or comments to 707-RANCH20 or 707-726-2420 Or email RanchItUpShow@gmail.com FOLLOW Facebook/Instagram: @RanchItUpShow SUBSCRIBE to the Ranch It Up YouTube Channel: @ranchitup Website: RanchItUpShow.com https://ranchitupshow.com/ The Ranch It Up Podcast available on ALL podcasting apps. Rural America is center-stage on this outfit. AND how is that? Because of Tigger & BEC... Live This Western Lifestyle. Tigger & BEC represent the Working Ranch world by providing the cowboys, cowgirls, beef cattle producers & successful farmers the knowledge and education needed to bring high-quality beef & meat to your table for dinner. Learn more about Jeff 'Tigger' Erhardt & Rebecca Wanner aka BEC here: TiggerandBEC.com https://tiggerandbec.com/ #RanchItUp #StayRanchy #TiggerApproved #tiggerandbec #rodeo #ranching #farming References https://www.stonex.com/ https://www.livestockmarket.com/ https://www.equinemarket.com/ https://www.auctiontime.com/ https://gelbvieh.org/ https://www.imogeneingredients.com/ https://alliedgeneticresources.com/ https://westwayfeed.com/ https://medoraboot.com/ http://www.gostockmens.com/ https://ranchchannel.com/ https://www.meatingplace.com/Industry/News/Details/113529 https://www.cattlebusinessweekly.com/articles/the-american-farmer-continues-to-grow-older/ https://www.merckvetmanual.com/management-and-nutrition/preventative-health-care-and-husbandry-of-beef-cattle/vaccination-programs-for-beef-cattle
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