Podcasts about listener questions

In this UK personal finance Q&A, Pete and Roger tackle six listener questions covering pensions, investing, tax and money mindset. We discuss whether high earners should ever consider opting out of the NHS pension due to annual allowance tax, how to handle family gifts during divorce, and what to do about ERI on accumulating ETFs in a GIA. You'll also hear guidance on rebalancing after strong fund gains, rebuilding finances after an IVA, and investing a £350k inheritance with ISAs, SIPPs and premium bonds. Shownotes: https://meaningfulmoney.tv/QA52    01:34  Question 1 Dear Pete and Roger, Could you provide an opinion on if and when it would be worth at least considering leaving the NHS pension scheme due to tax reasons?  I can sense immediate puckering and this is not something I ask on a whim - I am aware of the comparative value of public sector DB pensions versus other retirement savings methods and indeed encourage the staff I work with to pay in.  I am a senior doctor in my 40s with high NHS earnings and rental income on top. I am one of those affected by Annual Allowance tapering and have significant AA tax bills every year with no end in sight. My projections are that I will have an annual AA tax charge of ~£30k every year going forwards as my income is pretty stable. The annual AA tax charge is up to 40% of the annual capital benefits accrued in any year (i.e. LTA calc of 20 times pension plus 3 times lump sum).  I pay this via scheme pays but the scheme pays loan docked from benefits at retirement is inflated at CPI+1.7% against pension benefits growth of CPI+1.5% from my own research. I don't expect much sympathy as a high earner but no-one wants to pay more tax than they have to and I never hear my situation talked about other than snippets in the depths of Reddit forums.  My plan is to keep ploughing on and engage a full-scale planning review when I turn 50 leaving up to 10 years to consider aversive action once my wife and I have 'enough' pension. Many thanks for your thoughts. David. 09:23  Question 2 Dear Pete and Roger, I want to say a big thank you for all of the guidance you provide, there really is nothing else like it and has been hugely beneficial in organising my finances. My question for you is how to structure gifts to someone who is going through the early stages of a divorce. My sibling is sadly in this situation and our mother is looking to make a sizeable gift to us following the death of our father. How should we be thinking about this and are there any vehicles or structures such as trusts that we could be using to avoid my siblings spouse from being entitled to half of the gift? Grateful for any guidance you can provide in this matter. Best regards, Alfred 13:12  Question 3 Hi, I have held several GIA accounts for many years and I hold accumulating ETFs within the GIAs. Occasionally, I have had to pay CGT through my self assessment when I have sold these ETFs. Mostly, I have always been a basic rate tax payer. I have recently discovered that HMRC requires Excess Reportable Income (ERI) to be declared on accumulating ETFs. In the case of ETFs which receive company dividends, this means I need to take note of the Reporting date of each ETF and add up all notional dividends as if they were paid on the distribution date (6 months later) and if over £500, I should have paid dividend tax on the excess. Also, in the case of some MMF ETFs I hold, these may have an ERI notional interest payment and this would count as being potentially subject to income tax. Since I have sold many of these ETFs and I have not subtracted the ERI amounts from my total gain, I have probably overpaid tax (CGT) rather than underpaid as a basic rate tax payer. However, if I was a higher rate tax payer, I would probably have been underpaying tax if I have not accounted for ERI. This is because the higher rate dividend tax is much higher than the CGT rate. I now understand that to avoid having to calculate ERI on accumulating ETFs each year and keep a running total for each one, most people simply buy distributing ETFs inside a GIA rather than accumulating ETFs and I am in the process of ensuring all my ETFs are the distributing kind inside my GIAs. Should I be concerned about ERI on my accumulating ETFs? Do accountants calculate ERI for their clients on all the accumulating ETFs they hold? If so, how do they do it as there does not seem to be any easy way? Do HMRC ever check that the ERI on accumulating ETFs has been declared (my guess is that they would only bother for high rate taxpayers with large ETF holdings)? How would HMRC even know that you hold large amounts of accumulating ETFs on which you should be declaring ERI? Why is it that hardly anyone seems to know about ERI on accumulating ETFs? 19:14 Question 4 Good morning both, I would like to start by thanking you for all your hard work over the past decade or so. I am a mid 40's year old woman who had no financial knowledge until about 2 years ago. I had a cancer diagnosis which led me to leave a very time consuming and stressful job and take over the family finances which had been neglected for the best part of 20 years. We are now in a much better position; we have filled our ISA's and that of our children, put more money into SIPP's (and opened one in my case) and opened junior SIPP's for the kids. Our mortgage is paid off too. I have listened to all your back catalogue and in some cases relistened to episodes which have been especially useful to our situation! Thank you. My question relates to funds that have done particularly well and what is best to do with them. Some of my earlier fund choices are showing gains of around 50%. This seems extraordinary to me and I am very happy with the return. My Dad (much more experienced who has been doing this for 50 odd years) tells me the best thing to do with these funds is to take out 50% of the gain and reinvest in a different fund. What would your advice be? Take out the whole lot and re-invest? Take out 50% and re-invest that as recommended by my Dad or leave the whole lot in and hope it continues to grow? For background, I am very happy with the gains but we are very much on a catchup programme as we have started so late. The sums involved are still quite small! The ultimate aim is for my husband to retire early. I hope to work again too at some point once all treatment is finished but only part time. I am so grateful for everything you have done and always wait eagerly for the next episode to drop. With very best wishes, Agnes 26:02 Question 5 Hi, Hope you are well and can help a Cornish lass! I am 35 and have never been able to budget or manage finances. In fact I have always buried my head in the sand.  Unfortunately, when lockdown and maternity leave hit at the same time, we could not afford our debt repayments (we had purchased a house in January of 2020 too). We had no choice but to take out an IVA. We are now in the 6th year of this as it was extended as we couldn't release equity from our home. This is due to end in November of this year and I have been doing my best to learn about budgeting and managing finances ready for when this ends.  I have started a spreadsheet to start tracking expenses and aim to start an emergency fund plus a pot for putting some money away for Christmas/birthdays. I have been discussing this with my husband and he thinks we should get an overdraft as soon as the IVA finishes to start building our credit rating, whereas I think we should get a small credit card that we pay off each time we use it. What do you think we should do as our first few steps coming out of the IVA to build more security for our future?  Thank you in advance. Kindest regards Lisa 33:12  Question 6 Salutations, Roger, Pete, My question is on what to do with a lump sum inheritance-y thing as a younger guy. My parents have been very financially successful in business and incredibly generous to my brother and I, and gifted us each an apartment a few years ago, to make use of the "first property" exemptions and the 7 year gift rule. Now that I'm mature enough to understand the opportunity, I've taken control of the management of mine. While I understand it's an incredible income generating asset, I'm not a fan of real estate, and am much more comfortable selling the property and investing in index funds within the variety of wrappers available in the UK. After fees and taxes, should I go through with the sale, I will net approx £350k. My plan is as follows: - £47k into premium bonds (I currently have £3k) - £40k into my SIPP (limited by current salary) - £40k held in cash, to be invested into my SIPP in tax year 2, potentially up to £52k as my salary rises - Remainder into GIA - All invested in Vanguard index tracking funds I'm 26, working as an Officer in the military, so I have an incredibly low cost of living (subsidised accommodation and no utilities), and a non contributory DB pension plan, so no need to allocate money there, and am able to max out my S&S ISA yearly just with my salary. I know these steps are good, but having the best part of £220k in a GIA, paying CGT on the other end of that makes me a little unhappy, especially if I hold it for multiple decades. I'm aware this is a real champagne problem but do either of you have any recommendations on improvements to my plan and mindset, or are you able to poke any holes in my approach? Should I hold more in cash to later invest into my SIPP? Bed and ISA/ SIPP over time? Spend some of it, even? I know it's an aggressive approach, but I'm sort of an "all or nothing" sort of guy, even with investing as is referenced in my 70+% savings rate, but balance has always been hard for me to find. My goal is to be Financially Independent by 36. I'll likely keep working but I like the security of that idea, and the saltily coined term "F-you money". Whatever you both think, I will deeply ponder over and analyse for many hours. Thank you both for the many episodes of top tier information. I would apologise for the lack of brevity, but I know you love it really. Thanks guys, you're both rockstars! Nick

This week, Landon is joined by Mike and Steph to break down Jim Curtin's introductory press conference and answer listener questions. Other questions and topics include:- Steph is the best director in Austin!- Nelson added to Canada roster!- Season ticket prices released- Vacation SZN for the boyz- How Jim Curtin wants to play- Curtin's Three R's- How Data Analytics can improve Austin FC- Listener Questions (1:09:55)- Gallagher on ATX Mt. Rushmore?- Alternate color options for Austin FC- Best former Austin DPs- Free Parking at Amplify- much moreMoontower Soccer is brought to you by FVF LawSupport the show

In this episode, Kirsten and Jim answer Season 13 listener questions, which focus on the life and teachings of Thérèse of Lisieux. Resources: The transcript for this episode can be found here. Find out more about the Turning to the Mystics book series here. Connect with us: This podcast is made possible thanks to the generosity of our donors. If you would love to support the ongoing work of the Center for Action and Contemplation and the continued work of our podcasts, you can donate at ⁠⁠⁠https://cac.org/support-cac/podcasts/⁠⁠⁠ Thank you!

Let's have some fun using the words we learned in our last episode to play a game together!If you're interested in learning more about our virtual Spanish lesson program, please visit ⁠⁠https://www.eatyourspanishpodcast.com/lessons⁠⁠ and send us a message!To join the Eat Your Spanish family and to receive Eat Your Spanish at-home worksheets, song downloads, coloring pages, and so much more, visit us at ⁠⁠www.patreon.com/EatYourSpanish⁠⁠. 

There's a decision your surviving spouse is going to make about your IRA, after you're already gone, that can either cut short or stretch out how long your kids get to keep that money growing — and most people don't even realize the choice is being made. We're going to zero in on one option in particular, one that sounds a little crazy on its face: turning down an inheritance on purpose.  In our Listener Question segment: A listener wrote in about a family farm, a couple of brothers he'd rather not be in business with, and whether saying "no thank you" to his own share is the way to keep the peace in the family.  And then to close things out, we'll head over to our Retire To Something segment where Shawn figured out how to check just about every box that matters. Resource: Article by Denise Appleby at Morningstar: The IRA Decision That Affects Your Kids    Connect with Benjamin Brandt: Subscribe to the This Week in Retirement: http://thisweekinretirement.com Get the Retire-Ready Toolkit: http://retirementstartstodayradio.com Work with Benjamin: https://retirementstartstoday.com/start Get the book!Retirement Starts Today: Your Non-financial Guide to an Even Better Retirement Follow Retirement Starts Today in:Apple Podcasts, Spotify, Overcast, Pocket Casts, Amazon Music, or iHeart    

Integrity in leadership isn't tested when things are easy — it's revealed when standing firm feels uncomfortable. In this episode, we unpack what it really looks like to lead with integrity under pressure. If you've ever felt the tension between doing what's right and doing what's easy, this conversation will give you clarity, courage, and practical guidance for navigating those moments with wisdom.   In This Episode We explore: • why integrity is most often tested in high-pressure leadership moments • the internal tension Christian leaders feel when values are challenged • how avoidance can quietly damage culture, trust, and credibility • the importance of deciding your leadership standards in advance • how to communicate clearly without becoming emotional or reactive • why trusting God with the outcome is essential for courageous leadership This episode will help you stand firm in your leadership — even when it feels uncomfortable.   A Key Leadership Truth: Integrity is not proven in comfort. It is revealed in pressure.   Ready to Lead with Clarity in Difficult Moments? If you've been avoiding a conversation because you're unsure what to say or how to say it, the Difficult Conversations Script Pack will support you. It will help you: • communicate with clarity and calm authority • address issues without overthinking or softening your message • handle difficult conversations with confidence and wisdom • lead with integrity in real, everyday leadership situations

Kevin, Grayson, and The Chief are taking in any and every World Cup match on offer from the fine folks over at FIFA. Consider this sport: washed. Then it's on to FC Cincinnati's strikers and deciding if it's still a position of need or has the Orange Blue found its groove. Then finally it's Listener Questions in Part Three about concerts, local sports, and interesting things.    Timestamps: (1:07 | 2:22) - The World Cup and Catholicism  (33:16 | 35:45) - FC Cincinnati Strikers (1:00:32 | 1:04:47) - Listener Questions!   Links:  Looking for an MLS podcast? Check out The World's GAM Visit our friends at Streetside Brewery Our friends at E&L Roofing have all your Gutter, siding, and roofing needs covered!  Check Out Oliver's Desserts and use code CHIEFSWEETS for 20% off! Check out The Post at www.thepostcincy.com Music by Jim Trace and the Makers Join the Discord Server and jump into the conversation Follow us on BlueSky, Twitter,  Facebook, Instagram, and YouTube Support us on Patreon https://www.patreon.com/ThePostCincy

Philosopher Stefan Molyneux answers listener questions and tells listeners to stop being so "kind," arguing that vanity and false niceness block virtue while honest anger, letting competent people face consequences, and friendship built on truth and consistency deliver real results. He pushes rejecting postmodern denial of objective truth so people can submit to reason and live without managing others' bad choices.GET FREEDOMAIN MERCH! https://shop.freedomain.com/SUBSCRIBE TO ME ON X! https://x.com/StefanMolyneuxFollow me on Youtube! https://www.youtube.com/@freedomain1GET MY NEW BOOK 'PEACEFUL PARENTING', THE INTERACTIVE PEACEFUL PARENTING AI, AND THE FULL AUDIOBOOK!https://peacefulparenting.com/Join the PREMIUM philosophy community on the web for free!Subscribers get 12 HOURS on the "Truth About the French Revolution," multiple interactive multi-lingual philosophy AIs trained on thousands of hours of my material - as well as AIs for Real-Time Relationships, Bitcoin, Peaceful Parenting, and Call-In Shows!You also receive private livestreams, HUNDREDS of exclusive premium shows, early release podcasts, the 22 Part History of Philosophers series and much more!See you soon!https://freedomain.locals.com/support/promo/FREEDOMAIN2026

Today we answer fourteen of your best questions about running, training, shoes, heat, drugs, and racing!

In this episode, Warren Ingram and Pieter de Villiers discuss strategic investment choices, tax-efficient savings, and financial planning for expatriates and young investors. The conversation covers diversified ETFs, tax-free accounts, and offshore investments, providing practical advice for long-term wealth building.Chapters: 00:00 Introduction and Episode Purpose00:24 Listener Questions and Engagement01:12 Investing in MSCI ACWI ETF for Long-Term Growth02:05 Maximizing Tax-Free Savings and Contribution Limits02:47 Choosing the Right Diversified ETF for Retirement05:44 Funding Education with Tax-Free Accounts07:23 Managing Investment Risks for Short and Long Term09:37 Teaching Kids Financial Literacy and Involving Them in Investments10:28 Expat Investing: Tax and Currency Considerations13:17 Importance of Tax Planning for International Investors14:34 Understanding MSCI All Country World Index (ACWI) and JSE16:18 US Domicile ETFs and Tax Implications17:41 Asset Allocation and Global Diversification Strategies18:39 Retirement Contributions and Offshore Income20:00 Managing Offshore Investments and Tax Laws21:50 Final Advice and Encouragement for InvestorsLearn more about Prescient Investment Management here.Send us Fan MailHave a question for Warren? Don't forget to voice note your questions through our WhatsApp chat on (+27)79 807 8162 and you could be featured in one of our episodes. Follow us on Twitter, LinkedIn and subscribe to our YouTube channel for more Financial Freedom content: @HonestMoneyPod

Join us for a candid and humorous conversation covering aging, relationships, weekend activities, and practical life tips. Delve into personal stories, advice, and reflections on everyday life and health. Chapters 00:00 Introduction and Wine Talk 02:53 Aging and Beauty Standards 05:46 Weekend Recap and Family Activities 09:11 Upcoming Events and Celebrations 12:15 Home Improvement and Maintenance Issues 18:11 Grocery Shopping Adventures 30:08 Listener Questions and Podcast Interaction 30:36 Navigating Family Dynamics and Distance 36:29 Understanding Boundaries and Relationships 43:24 Communication in Marriage: Secrets and Conflicts 50:40 Anniversary Expectations and Relationship Milestones 57:53 Listener Questions: Advice and Insights

The Investing Power Hour is live-streamed every Thursday on the Chit Chat Stocks Podcast YouTube channel at 5:00 PM EST. This week we discussed: (00:00) Introduction (01:47) Fintech Sell-Off: Analyzing Market Trends (13:05) Apple Worldwide Developer Conference: Key Takeaways (22:42) Wix Restructuring: Implications for Investors (29:48) Nintendo Direct: Anticipation and Concerns (35:37) High-Quality Companies Trading Below 15 Times Earnings (39:47) Listener Questions and Investment Strategies (45:05) Contrarian Investment Ideas (47:52) SpaceX and OpenAI IPO Predictions (51:59) Market Bubble Watch and Predictions (56:43) World Cup Betting Insights ***************************************************** Subscribe to Emerging Moats Research: emergingmoats.com  ********************************************************************* Chit Chat Stocks is presented by Interactive Brokers. Get professional pricing, global access, and premier technology with the best brokerage for investors today:  https://www.interactivebrokers.com/  Interactive Brokers is a member of SIPC.  ********************************************************************* Fiscal.ai is building the future of financial data. With custom charts, AI-generated research reports, and endless analytical tools, you can get up to speed on any stock around the globe. All for a reasonable price.  Use our LINK and get 15% off any premium plan: ⁠https://fiscal.ai/chitchat  ********************************************************************* Disclosure: Chit Chat Stocks hosts and guests are not financial advisors, and nothing they say on this show is formal advice or a recommendation. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this month's listener Q&A episode, we answer an interesting mix of questions: from assessing a mining prospect on inherited land in Alabama, to a Texas mineral owner caught in the middle of a confusing pooling-versus-allocation dispute with their operator, to one of the most common (and heartbreaking) situations we hear about — a widow trying to untangle mineral ownership across three states after her husband's passing. Whether you're dealing with unclaimed property, figuring out what your minerals are worth, or just trying to get organized before the worst happens, this episode has something for you.  As always, links to the resources mentioned in this episode can be found in the show notes at mineralrightspodcast.com.

The SpaceX IPO may be one of the most anticipated market events of the year, but does that mean investors should rush to participate? In this episode of Off The Wall, David B. Armstrong, CFA and Nate Tonsager, CIPM, CFA challenge some of the biggest assumptions surrounding IPOs, including the belief that buying on day one means getting in early. They explore what history says about IPO performance, why patience can be an advantage, and how investors can gain exposure without getting caught up in the news headlines. They also unpack the market's recent volatility, the surprising sector shifts happening beneath the surface, and why they believe that adaptability is the key to long-term investment success.   Episode Timeline/Key Highlights: 00:00 - Cold Open And Disclosures 00:27 - AMA Format And Today's Two Questions 01:30 - SpaceX IPO Hype Vs Reality 04:35 - IPO Returns Stats And Lockup Pressure 1255 - Institutions, Allocations, And Retail FOMO 17:35 - Index Funds, ETFs, And Long-Term Exposure 23:53 - Market Volatility And Sector Whiplash 26:52 - Earnings Strength And A Data Process 30:47 - REIT Trivia, Listener Questions, And Subscribe     Please see important podcast disclosure information at https://monumentwealthmanagement.com/disclosures       Connect with Monument Wealth Management:    Visit our website: https://monumentwealthmanagement.com/   Follow us on Instagram: https://www.instagram.com/monumentwealth/#   Connect on LinkedIn: https://www.linkedin.com/company/monument-wealth-management/   Connect on Facebook: https://www.facebook.com/MonumentWealthManagement   Connect on YouTube: https://www.youtube.com/user/MonumentWealth#Fit   Subscribe to our Private Wealth Newsletter: https://monumentwealthmanagement.com/subscribe/   Check out our Between Sips Podcast: Where Money Meets Meaning Because money without meaning never feels like wealth. https://monumentwealthmanagement.com/between-sips-podcast/   About "Off the Wall":    Markets are noisy. Your time is limited. Off The Wall cuts through the clutter. Hosts David B. Armstrong, CFA and Nate Tonsager, CFA, CIPM bring you straightforward, candid insights about what's really moving markets and why it matters for successful investors. From economic shifts to portfolio positioning, we break down the complexities so you can invest with intention and stay grounded when headlines and life feels chaotic.   Learn more about our hosts on our website at https://monumentwealthmanagement.com 

Welcome back Pauper fam! This week, we catch up with a handful of emails from our most frequent emailer Elliot! He has some good thinkers for us that lead into some fun discussions and general nonsense. Also some brief chat about the new Hawkeye's Bow combo with Seeker of Skybreak. Full Marvel spoiler episode next week! Thank you as always for listening!Join our Discord! https://discord.gg/kdvSavFkpzCheck out our YouTube channel: https://www.youtube.com/@CommonGroundMTGSponsored by: Game Knight (Columbia TN) The premier LGS in the Middle Tennessee area! Check out their upcoming events and order cards for local pickup here: https://www.gameknighttn.com/Upcoming Pauper Events:Every Tuesday @ Game Knight in Columbia TN - Weekly Pauper League feeding into an Invitational alongside Just Roll With It Games' (Spring Hill TN) Pauper League!Check out our Discord's #events channel for more events and information!June 13th - Pauper Pursuit #4 @ Reliquary Cards, Calgary, Canada - https://reliquarycards.com/products/Pauper-Pursuit-4-June-13-@-11AM-p835776891June 27th - Court of Commons Yearly @ Enchanted Gaming Emporium, Murray KY - https://topdeck.gg/event/court-of-commons-yearly-get-boltedJune 27th - $1k Poster Paup-Off @ JC's House of Cards, Huntsville AL - https://topdeck.gg/event/jcs-poster-paup-off-1kJuly 12th - NYC Pauper League's "PauperGenesis" @ Baltimore, MD - https://melee.gg/Tournament/View/409325 - SOLD OUT!July 10th-12th - Summer Paupergeddon @ Lucca, Italy - https://paupergeddon.com/July 18th - Win-A-Dual @ Infinity Games, Clarksville TN - (link TBA)July 19th - Win-A-Box @ Larry's Game Store, Olathe KS - https://www.larrysgamestore.com/products/pauper-win-a-box-july-19-2026-10amThe 4th Common Ground Cup! July 25th @ Game Knight, Columbia TN! $2k+ cash prizes! 100 capacity! Information, Registration, Hotel Block Reservation, and Live-Stream Links can all be found here: https://linktr.ee/commongroundcupAugust 16th - $2k Pauper Extravaganza @ Mox Boarding House, Portland OR - https://events.moxboardinghouse.com/p/n/jxKkgBBS/v5North Carolina-Area Listeners: Check out the Piedmont Pauper League @ Dragon's Hoard, Greensboro NC! 6 monthly tournaments culminate in a grand prize: travel stipend and entry into CGCup4 this summer! Their FINAL event for the season is June 13th and registration is open now: https://www.spicerack.gg/events/3216328The Cascadia Pauper Circuit presented by Pauper PNW: www.PauperPNW.org Next event is June 13th!Nashville-Area Thursday Pauper League @ Middle TN Gaming in Bellevue: https://www.facebook.com/p/Middle-Tennessee-Gaming-61567309793600/Any questions or feedback for us? Email us at: commongroundmtgpod@gmail.com 

Annette is in London! She and Cathal are finally in the same studio for this listener questions episode.First up, Annette's three takeaways from Cathal's conversation with behavioural scientist Leidy Klotz, author of In a Good Place. The headline: every workspace has to meet three psychological needs. Agency, growth and connection. They get into why hot-desking quietly erodes all three, the simplest confidence trick going (visit the room before a high-stakes meeting), and how to improve a workspace when no renovation budget is coming.Then a question from listener Helen, whose husband is working around the clock. She can feel them losing connection, and he keeps telling her the same thing: you don't understand, I don't have a choice. Cathal and Annette have both been close to this one, and they share practical ways to help without trying to fix.Plus: Annette's Camino de Santiago walk, two black toes and all.Next week: Roger Martin, author of Playing to Win: How Strategy Really Works.Got a work dilemma for a future episode? Get in touch at betteratwork.net Hosted on Acast. See acast.com/privacy for more information.

Hit us up with your questions at weirdertogetherpod@gmail.com

Philosopher Stefan Molyneux demands respect for male bodies in this listener questions show, arguing the body gives the real empirical ground while propaganda and authority try to override it by trashing male instincts and pushing blind obedience to kings, clergy, and states. He urges trusting those instincts to spot lies, pull over from tailgaters, and build a life free of violence and rights violations.GET FREEDOMAIN MERCH! https://shop.freedomain.com/SUBSCRIBE TO ME ON X! https://x.com/StefanMolyneuxFollow me on Youtube! https://www.youtube.com/@freedomain1GET MY NEW BOOK 'PEACEFUL PARENTING', THE INTERACTIVE PEACEFUL PARENTING AI, AND THE FULL AUDIOBOOK!https://peacefulparenting.com/Join the PREMIUM philosophy community on the web for free!Subscribers get 12 HOURS on the "Truth About the French Revolution," multiple interactive multi-lingual philosophy AIs trained on thousands of hours of my material - as well as AIs for Real-Time Relationships, Bitcoin, Peaceful Parenting, and Call-In Shows!You also receive private livestreams, HUNDREDS of exclusive premium shows, early release podcasts, the 22 Part History of Philosophers series and much more!See you soon!https://freedomain.locals.com/support/promo/FREEDOMAIN2026

Today Mike, Rikki and Pam are here answering your Listener Questions! We start the show by discussing hitting 3,000 episodes of the show this week, although we will celebrate Episode 3,000 later this summer! Then, we talk about golf courses around Walt Disney World, the thought that Pop Century could be treated the way Carousel of Progress is being overhauled in the future, Target delivery to Port Orleans French Quarter, 4th of July this year at Walt Disney World, and a minor emergency in the Studio during the show! This and much more on today's show! Come join the BOGP Clubhouse on our Discord channel at www.beourguestpodcast.com/clubhouse!  Thank you so much for your support of our podcast! Become a Patron of the show at www.Patreon.com/BeOurGuestPodcast.  Also, please follow the show on Twitter @BeOurGuestMike and on Facebook at www.facebook.com/beourguestpodcast.   Thanks to our friends at The Magic For Less Travel for sponsoring today's podcast!

The Composite Two-Star Recruits podcast returns to discuss the second week of USC official visitors, camp sessions, a new potential legacy target, the looming OT7 Finals, updated rankings and Christopher Nolan movies.TIME STAMPS:(0:00): Hurricane NBA Talk (10:00): Previewing Official Visits, Paisios Polamalu(46:02): Unofficial Camp Visitors(01:02:11): Updated 2027 Rankings (01:39:41): OT7 Finals in L.A. (01: 59:14): Talanoa Ili vs. NCAA, CSC (02:48:45): Listener Questions

Roger Whitney explores the relationship between cost and value in retirement planning, focusing on how to better understand the fees associated with financial advice, investments, and insurance products. Using a listener question about an annuity recommendation as a starting point, he explains why investors need clarity around what they are paying so they can determine whether they are receiving enough value in return. Roger also answers listener questions about transitioning into retirement, creating an income strategy before Social Security begins, and shares more decluttering wins from the community.OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN(00:00) Roger introduces the idea that understanding value requires first understanding price, and explains why investment and advisory fees can often feel difficult to identify.RETIREMENT TOOLKIT(02:49) Roger explores the relationship between price and value in financial planning, using a listener question about annuities to explain how advisor fees, investment expenses, and compensation structures work. He encourages listeners to understand what they are paying in dollar terms so they can determine whether the value they receive aligns with the cost. LISTENER QUESTIONS(26:23) A listener asks for guidance on navigating the emotional transition during the final year before retirement and how to "land the plane" well.(33:00) Roger shares listener feedback from his healthcare episode.(33:40) Roger addresses a question about whether paying for family vacations should count toward annual gifting limits. (35:08) Molly asks how to structure retirement withdrawals before claiming Social Security, and Roger shares his approach to creating an income reserve.SMART SPRINT(37:41) Take 20–30 minutes this week to identify the fees associated with your investments or financial advice and convert them into dollar amounts so you can better evaluate the value you receive.DECLUTTERING DEBRIEF(38:55) Roger shares listener success stories inspired by the decluttering series.REFERENCESlivewithroger.com — Register for Noodle Live on June 18!Submit a Question for RogerSign up for The NoodleNote: The opinions expressed are for informational purposes only and should not replace personalized advice from licensed professionals.

In this Meaningful Money Q&A episode, Pete and Roger answer six listener questions on pensions, retirement planning and tax for a UK audience. We cover whether to put life insurance into trust, how to reduce the 60% marginal tax trap around £100k income, and whether taking a defined benefit pension early can make sense when health is a factor. Plus, we explain the Royal Mail Collective Defined Contribution (CDC) pension, share practical guidance on dealing with overseas pensions, and discuss when to take 25% tax-free cash for the best outcome. Shownotes: https://meaningfulmoney.tv/QA51    01:36  Question 1 Hi both, I have a question relating to discretionary trusts for life insurance policies. I'm from Scotland, 37, married with 2 young children and have a life assurance policy with Vitality which is currently not in trust. I was considering putting into a trust for the benefits associated to inheritance tax but was looking to get your opinion on whether it was necessary or not, and what the pros/cons are. Thanks, Marc 05:46  Question 2 Hi Pete and Roger I am a relatively latecomer to the podcast - its been a year or so now but your work makes the complications of planning for retirement so much more understandable so thank you for bringing clarity to a very difficult subject. I have two first world questions if I may.  Neither are time critical. I am in a fortunate position.  DB pensions will kick in over the next 2 years (I am 63) totalling circa £75K pa and with the state pension at 67 it won't be very long - if tax thresholds and rates don't change - before I will be hitting the 60% effective rate.  So to delay the inevitable, I am thinking I will need to contribute to a DC pension!  As I understand it, if I have a DC scheme for three tax years and presumably contribute to such a scheme each year (say £100?) in the year I hit the £100K income, I will be able to contribute gross £3600 x 4 (so £2160 pa or £8640 in total, less any annual contributions along the way) in the first year or with care spreading that amount over 2-3 years to ease the tax burden.  I realise when the money is withdrawn it will still be taxed at my marginal rate, but maybe the 60% marginal rate will have been removed by then - I can hope!  Is that right?  Have I missed anything or are there any other techniques generally available? I am also in a position that when my wife and I both die, unless carehome fees have eaten into the estate, there will be inheritance tax to pay as our combined wealth is well over £1m and we have already given away what we reasonably can to our children.  As I understand it, inheritance tax is payable 6 months after death but all being well probate will be granted well before that so our bank accounts can be used to pay the tax (our children have financial and health powers of attorney but they are irrelevant on death).  Apart from incredibly expensive life assurance or a lifetime gift of cash for this purpose, is there anything else we can do to facilitate payment (the nature of our affairs means there's not much more we can do to mitigate the liability itself, ie the vast majority of the value is in the family home!) Many thanks, David   11:46  Question 3 Hi Roger and Pete,   First of all thank you for all the content you provide, it has been incredibly useful as I start to really take the idea of early retirement seriously.   I am 49 and looking to retire as early as financially possible as I have medical issues that mean my life expectancy is somewhat curtailed - though I plan on defying the inevitable for as long as possible.   I have a DC pension which I plan to access as soon as I stop working in hopefully 10 years' time. I also have an index-linked deferred DB pension which provides a 50% widows pension as one of the benefits.   I am torn between accessing this 6 years early (with a 25% reduction) as I start drawing from my DC pension, or delaying so that my wife is better taken care of later in life. Whatever I choose, all the projections seem to stack up that my DC pension should last into my 90s, but I'm acutely aware that I will probably want to go a bit overboard when I first retire and try to maximise travel and experiences.   My question is, am I missing something in the DB trade off?  Assuming I live a while after retiring, accessing the pension early will take a decent amount of time before we're financially worse off than we would have been if we'd waited (~13 years). However the combined loss of my state pension and the smaller DB income could leave my wife short of funds.   I would really appreciate your perspective on this scenario and anything else you think I might want to consider, many thanks again for all of your words of wisdom, Dan Meaningful Academy Retirement Planning: https://meaningfulacademy.com/retirementplanning  19:40 Question 4 Hi Pete and Roger! My partner works for Royal Mail, she is under the new starters contract and started in 2022, at which point the pension scheme was a typical defined contribution scheme with very generous contribution levels from the employer of 10% with a 6% contribution from the employee. This was 'easy' to make assumptions on for compound calculations to plan for our very far away retirement as we are both currently 27 years of age. Now this brings me to today's pension scheme, which is known as a Collective Defined Contribution plan. I'm struggling to find any information on this type of scheme as it seems to be the first of its kind in the UK, and seems to have been used for a while in the Netherlands. Now the wording of the scheme seems to be worded as if it's a Defined Benefit scheme with a lump sum being paid at retirement age and a 'Guaranteed income for life' amount being paid each month, however it has the caveat that the payout per month may decrease if investments do not perform as expected for better or for worse, so this is not a guaranteed amount at all in reality. The issue I have with this is that with a standard DC scheme like my own, if I was to die either before or during retirement, the remaining money in the pot would be inherited by my surviving spouse or if she was to pass away before I do, it would go to the next nominated beneficiary. With the Collective DC scheme, it's worded that if my partner was to die before she claimed it then I would receive the 'income for life' portion at a reduced rate of 50% and lose out on the lump sum entirely or if she was to pass away after claiming it then she would clearly receive the lump sum and I would remain to collect 50% income for life for as long as I remain alive. This seems to be very unfavourable for anyone receiving the benefit of this scheme on the whole. Now with some calculations, not using exact figures but somewhere close, I've just done some comparisons as the new Collective DC plan was sold as far and away a better option than the old DC Plan, but I cannot find a way for it to make sense. It's hard to see how this new scheme is better in any way compared to the old scheme, even if the contributions from the employer look more generous on paper. Is there something I am completely missing or misunderstanding with this new type of pension scheme? I have not seen much content online about it at all and would love for this to be featured in a podcast episode or video or even just for a chat on this matter as I feel very underwater with this. I can't seem to find a good way to factor this pension into our plan as we do plan to retire before the age of 67, this is just the age stated on the CDC scheme for payout so this is the assumption I am working with. There is an option to opt out of the CDC plan and join a regular NEST DC plan instead but this only has 4% employer contributions on top of the 5% employee giving a yearly contribution of x per year. I suppose my main gripe would be how much you would lose out on if the worst was to happen as traditionally this would remain as a pot for next of kin to inherit, however if my partner and I both passed away at age 70 (I certainly hope not!) and didn't have kids under the age of 18, the entire amount of money would be lost. This is the part I'm struggling to wrestle and the NEST pot even looks appealing with this in mind. I know the future is uncertain and we could live to 100, but the chances are relatively low. Apologies this got a bit long and ranty, I would appreciate any feedback. Keep up the amazing work and I have learned loads from your content over the years. Many Thanks, Joe 29:56 Question 5 Hi Pete and Rodger, Like many people these days, I spent part of my career working overseas. I'm now 52 and have been thinking about how best to deal with personal pensions I accrued while working abroad, in my case, in Japan and the United States (both broadly equivalent to 401(k)-type schemes). While working overseas, I didn't accrue sufficient qualifying years to receive any state pension benefits, but I did build up some company personal pension entitlements. The amounts are relatively small (less than £100k in total), which makes me question whether it's worth the time and cost of seeking formal financial advice. My UK-based pensions and ISAs are relatively straightforward and well organised, but these overseas pots feel more cumbersome by comparison. I imagine there must be many people in a similar position, holding small overseas pension pots and unsure what the most sensible approach is. From an administrative perspective, it feels as though the simplest option may be to access these pensions as soon as I reach the relevant retirement ages, rather than continuing to manage them long term. That said, I'd welcome any general thoughts or guidance on typical approaches people take in this situation, and any obvious pitfalls to be aware of. Many thanks, Lawrence Perceptive Planning - https://www.perceptiveplanning.co.uk     34:20  Question 6 58 now and both thinking of retiring at 61 with no mortgage and kids self sufficient. At age 61 we will have around £300k in savings (inc stocks n shares ISAs, cash ISAs, Premium Bonds and Bank Accounts) and between us will have around £450k in Pensions at age 67 and the wife will get a £7k a year NHS DB pension. Our idea is to live off the cash first from age 61 till age 67 to let the pension pot grow to its absolute max and then draw down the 25% tax free to add to state pension at age 67 then live off the rest at about 4% per year BUT others say take the tax free 25% before 67 because if do it at 67 it will add to the state pension taking you over the personal allowance! We want to let the pot grow more for actual retirement age of 67 onwards and leave more for the kids inheritance long term if we don't use it all so unsure what to do. For clarity, it's our intention to lump sum some money in to our pensions and ISAs in April with some of our 'available cash' and may also lump sum in to my Stocks n Shares ISA to leave it growing for say between 8 to 15 years until we need it. Any advice welcome, Steven. James Shack video on Withdrawal Strategy  https://www.youtube.com/watch?v=d4MDvcEcHXI   

All things Renegade Files at http://therenegadefiles.com ... Join the Renegade Files Agency on Patreon for bonus episodes and member-only content at https://www.patreon.com/renegadefiles ... In this episode Lex Gordon answers Listener Questions! UFOs, Ghosts, Bigfoot, Government Secrets, and more. A Freewheeling, Paranormal roundtable packed with ideas, opinions, and high strangeness. Get the Free Ghost Hunting 101 3-part Mini-Course (and more) at The Renegade Signals Substack Get Bonus Episodes and Members-Only Content on Patreon https://www.patreon.com/renegadefiles Get cool RF Merch https://therenegadefiles.com/shop/ Visit and Share the Website http://therenegadefiles.com Dig us on YouTube https://www.youtube.com/@renegadefiles Follow RF on Instagram https://www.instagram.com/renegadefiles/ If you like the show, please leave us a 5 star review on Apple Podcasts or Spotify if you think we deserve it. (It helps the show find new listeners.) Thank you Music and Audio Licensing: Theme Song: “Steve's Djembe” by Vani, FMA, licensed: Creative Commons CC BY-SA 4.0 License. “Rocket Appliance Reversal” by Flow Lab Cult, DV8NOW Records, licensed: Creative Commons CC BY-NC-ND 4.0 License. The audio recording and text transcript of this podcast episode is © 2026 DV8NOW Publishing LLC . The Renegade Files name and the Renegade Files UFO-Pyramid Logo are wholly owned Registered Trademarks of DV8NOW Publishing LLC . About Fair Use: Under Section 107 of the Copyright Act 1976, a "Fair Use" allowance is made for purposes such as criticism, comment, news reporting, teaching, scholarship, and research. Fair Use is a use permitted by copyright statute that might otherwise be infringing. Non-profit, educational or personal use tips the balance in favor of fair use. SEO Keywords: Episode Primary Keywords: Paranormal Roundtable; Conspiracy Roundtable; Paranormal Questions Answered; UFO Questions; Conspiracy Theory Podcast; Renegade Files Roundtable; Paranormal Discussion; Lex Gordon Podcast; Secondary Context Keywords: Ariel School UFO Encounter; Rendlesham Forest Incident; Roswell UFO Incident; Ghost Hunting Theories; Residual Hauntings; Intelligent Hauntings; Interdimensional Theory; Jacques Vallee Window Areas; UFO Disclosure Debate; Pentagon UFO Reports; Government UFO Disclosure; Area 51 Theories; Skinwalker Ranch Mystery; Bigfoot Evidence; Cryptid Encounters; High Intent Long Tail Keywords: What Is The Most Credible UFO Case; Are Ghosts Intelligent Spirits; Residual Energy Hauntings Explained; Interdimensional Ghost Theory; Is Government UFO Disclosure Real; What Is The Best UFO Evidence; Does Bigfoot Exist; Most Believable Cryptid; Area 51 Alien Technology Theories; Would You Stay At Skinwalker Ranch; UFO Disclosure Analysis; Paranormal Questions And Answers; Conspiracy Theories Explained; Modern UFO Research; Listener Paranormal Questions; Related Search Terms: Ghost Hunting Evidence; Electronic Voice Phenomena EVP; UFO Sightings Explained; Alien Disclosure News; Paranormal Investigation Podcast; Bigfoot Research; Cryptozoology Theories; Lake Champlain Monster; Loch Ness Monster Evidence; Government Secrecy Theories; High Strangeness Podcast; Paranormal Culture; AEO Q&As: Question 1: “What is the most credible UFO case?” Answer 1: Many researchers consider the Rendlesham Forest Incident, the Ariel School Encounter, and the Roswell Incident among the most credible UFO cases because they involve multiple witnesses, official reports, or long-lasting historical significance. Question 2: “Are ghosts intelligent entities or residual energy?” Answer 2: Paranormal researchers generally propose two leading theories. Some hauntings appear to be residual energy repeating past events, while others seem to display intelligent responses that suggest awareness or interaction. Question 3: “Does Bigfoot exist?” Answer 3: There is no definitive scientific proof that Bigfoot exists, but eyewitness reports, footprint evidence, audio recordings, and unexplained encounters continue to fuel debate among researchers and enthusiasts. Question 4: “What is the most believable cryptid?” Answer 4: Many investigators consider aquatic cryptids among the most plausible because large portions of the world's oceans and deep lakes remain unexplored, leaving open the possibility of undiscovered species. Question 5: “Can government UFO disclosures be trusted?” Answer 5: Government UFO releases provide valuable information, but many researchers believe they should be evaluated alongside independent investigations, historical records, eyewitness testimony, and other sources of evidence. Question 6: “What is Skinwalker Ranch?” Answer 6: Skinwalker Ranch is a property in Utah famous for reports of UFOs, strange creatures, unexplained lights, paranormal activity, and unusual scientific anomalies, making it one of the most discussed locations in modern paranormal research.

Back to the mailbag to answer listener questions. Almost two hours' worth, ranging from travel advice, hot takes, favourites and some wild hypotheticals.Shoutout to Bryson, you're probably fine company on the golf course but we're just not that fussed to find out.Our Podcast is published with support from Angus And Grace Go Golfing. Check their insta page and website for some of the best golf apparel on the planet. Some warmer layers are on the shelves now, ensuring you will be stylish and warm during your round – and after! We thank Matt – our OG partner.Thanks to Dean and everyone at Seed Golf – they continue to provide 20% off for Australian Golf Passport listeners via the code AGP at checkout. Get your hands on some premium golf balls at a super low price. Once you've tried them you will be so thankful. And if you're a dedicated Seed player – do your wallet a favour and buy a box of loosies. It's one of the best bargains in golf.Images related to this episode can be found on our Instagram page (@AustralianGolfPassport) and on Twitter / X (@AusGolfPassport). Images accompanied by attribution to their owners / creators. Podcast intro music - Nbhd Nick / Stop Playing With Me-Instrumental / courtesy of ⁠⁠⁠⁠⁠⁠⁠www.epidemicsound.com

Drew Hill and Chris Herrington discuss the potential for a Ja Morant trade and take questions from listeners. 

Delegation isn't just a leadership skill — it's a spiritual alignment. In this episode, we unpack why so many Christian women in leadership struggle to delegate, not because they lack ability, but because they carry more than they were ever meant to. If you've been feeling overwhelmed, responsible for everything, or hesitant to delegate because it feels uncomfortable or unclear, this episode will help you release the weight and lead with clarity.   In This Episode We explore: • why delegation feels emotionally difficult (even when you know it's necessary) • the hidden cost of over-carrying in leadership • how people-pleasing and over-responsibility impact your leadership • the difference between responsibility and ownership • why delegation is essential for team growth and development • how to communicate clearly when delegating tasks You'll learn practical, faith-based shifts to help you stop carrying everything and start leading with greater clarity and peace.   A Key Leadership Truth: Over-carrying is not leadership — it's misaligned responsibility. You are not called to do everything. You are called to lead wisely. Ready to Delegate with Clarity? If you struggle with knowing what to say when delegating or setting expectations, the Difficult Conversations Script Pack will help you: • communicate clearly without over-explaining • delegate tasks with confidence and calm authority • set expectations without feeling harsh or guilty • handle leadership conversations without second-guessing

http://montysrockcast.com/wp-content/uploads/2026/06/Rockcast292.mp3 On this episode, Monty takes another look at a Rolling Stone Magazine list…answers Listener Questions…and does a track by track look back at the GC album, Long Way Back To The Moon.

It's Casual Friday as we ease into the weekend we take a look at Paranormal News freshly ripped from the Internet, Listener Question & Feedback, Feedback from the Question of the Week. E-mail: comment@ghostboxradio.com Listen Live Streaming: www.am950radio.com Watch Live: www.facebook.com/MNGhostBox www.facebook.com/AM950Radio www.facebook.com/ParaFriendsEvents/ www.facebook.com/gethauntedusa www.facebook.com/PUNMedia1 Website: www.ghostboxradio.com Twitter: @mnghostbox #GhostBoxRadio #AM950 #GregBakun #ParanormalRadio #ParanormalPodcast #TalkRadio… The post GhostBox Radio – Casual Friday 6.5.26 first appeared on AM 950.

This week on All About Home Construction, we're answering listener questions from around the High Country and beyond. We cover practical landscaping tips, including drainage solutions, planting around foundations, and choosing the right mulch. We also discuss ladder safety, common mistakes homeowners make when working at heights, and how to stay safe while tackling projects around the house.In addition, we answer several DIY plumbing questions, talk about routine home inspections, and share what tool every homeowner should have in their toolbox. Whether you're maintaining your property, planning a weekend project, or just looking to learn something new, this episode is packed with useful information for homeowners and DIYers alike.Tune in Saturday mornings at 8 AM on WATA, or catch the podcast anytime on Spotify and YouTube.

If you can afford it and love what we do, please consider supporting our show by becoming a BTT Podcast Patreon Member! Also, purchase a BTT Podcast t-shirt or two from our Pro Wrestling Tees Store!  This week's Time Stamps for our WCW Saturday Night on TBS recap from Aug 27, 1994 review are as follows (NOTE: This was recorded 5/27/2026):   HOW TO GIVE OR GIFT A PATREON MEMBERSHIP: https://www.patreon.com/BookingTheTerritory/gift   Opening Shenanigans! Take the hype button to pound town! Harper is running late but will be here! ( 0:01:41 )  5-Star Review Shoutout from Joe Ed Holt! Submit a 5-Star Review on Podcast Addict and Apple Podcasts and you'll get a shoutout on air. ( 0:04:25 ) Listener Question about Arn with the Stud Stable. ( 0:08:54 ) Harper finally arrives drinking a beer that expired during the early phase of the Reagan administration. ( 0:16:11 ) Harper is still watching Dock-uh-mentaries and Ron Fuller really did say that and made Phil Allen a legend. ( 0:20:38 ) Harper has a turtle hanging out in his back yard. ( 0:23:35 ) WCW Saturday Night on TBS Aug 27, 1994! ( 0:24:31 ) If you want access to the Clashes or WCW PPVs, and over 400 Patreon show, become a patreon member at https://www.patreon.com/BookingTheTerritory or tinyurl.com/PatreonBTT! You can sign up monthly or annual. When signing up for an annual plan, you get 1 MONTH FREE!  Harper gets distracted by the movie Meatballs II commercial. ( 0:37:53 ) WCW Saturday Night on TBS Aug 27, 1994 recap continues. And Dman's thoughts on Mero! ( 0:41:48 ) Regal cuts another solid promo! ( 0:48:58 ) Could Harper last longer than 17 seconds again Rhonda Rousey in the cage and who is "Shreek"? ( 0:52:07 )  Chris Michaels wearing motorcross boots. ( 0:56:48 ) WCW Saturday Night on TBS Aug 27, 1994 recap continues. ( 0:58:46 ) Dusty Rhodes recruits the Nasty Boys for War Games by going to Nastyville?!?!?! ( 1:00:51 ) Harlem Heat in this house! ( 1:11:21 ) If you want access to the Clashes or WCW PPVs, and over 400 Patreon show, become a patreon member at https://www.patreon.com/BookingTheTerritory or tinyurl.com/PatreonBTT! You can sign up monthly or annual. When signing up for an annual plan, you get 1 MONTH FREE! ( 1:17:45 )  Nick Bockwinkel with an important announcement about Flair and Sherri. ( 1:18:27 ) WCW Saturday Night on TBS Aug 27, 1994 recap continues. ( 1:28:11 ) Stars and Stripes and The Pink Neck Advantage and The Pink Necks Express. ( 1:29:54 ) WCW Saturday Night on TBS Aug 27, 1994 recap continues. ( 1:33:08 ) What did Bunkhouse Buck say about sheep and rats? ( 1:37:16 ) Who gets the Rolex and/or Toot Toot award? And become a BTT Patreon member! Don't forget to become a BTT Patreon member at https://www.patreon.com/BookingTheTerritory ( 1:42:08 ) A.I. Bill Watts is pissed at Mike! & Don't forget to become a BTT Patreon member at https://www.patreon.com/BookingTheTerritory ( 1:46:16 ) This year's BTT Listener Meet Up is June 27th at Wildkat X-Rated in New Orleans! Ticket Information: LUKEXRATED.EVENTBRITE.COM   Harper lays out what it will take to do Ask Harper segments on the main show! Paypal him $5 per question. Harper's PayPal is, get your pen and paper out, cc30388cc@yahoo.com . Then email Harper ( ChrisHarper16Wildkat@gmail.com ) and Mike ( BookingTheTerritory@gmail.com ) letting them know you submitted $5 to Harper's paypal and he will answer your question on an upcoming show.  Information on Harper's Video Shoutout, Life and Relationship.  1. First things first, email Harper with the details of what you want in your video shoutout or who the shoutout is too. His email address is ChrisHarper16Wildkat@gmail.com . Also in that email tell him what your paypal address is. 2. Paypal him $20. Harper's PayPal is, get your pen and paper out, cc30388cc@yahoo.com .  3. Harper will then send you the video to the email address that you emailed him from requesting your video shoutout. That's it! Don't email the show email address. Email Harper. If you missed any of those directions, hit rewind and listen again.

The Composite Two-Star Recruits podcast returns to recap USC's first (and biggest) official visit weekend, the Elite 11 Finals and some new offensive line offers in the 2027 class.TIME STAMPS(0:00): 10K is Down (6:42): Hot Route (21:31): Cold Open: OV Weekend (1:00:31): New 2027 OL Offers (01:19:57): June 12 Visitors (01:35:00): Elite 11 Finals Thoughts (02:05:04): June 11 Camp (02:14:51): Listener Questions

Click Here for the Show Notes In this episode, several important real estate investing questions are addressed, starting with how vacancy allowances, lease-up fees, and property management costs should be accounted for when analyzing rental property cash flow. The discussion clarifies why lease-up fees are often treated separately from monthly management fees and how investors can create more accurate projections by properly budgeting for vacancies and tenant turnover. The conversation then shifts to using a home equity loan or HELOC to acquire rental properties, exploring how cash flow can support multiple debt obligations and how refinancing strategies can help investors leverage appreciation to pay down borrowed funds over time. Finally, the episode examines whether travel expenses related to visiting investment properties or participating in real estate syndications may qualify as tax deductions, highlighting the importance of proper business structuring and professional tax guidance. Packed with practical advice, this episode provides valuable insights for investors looking to improve cash flow analysis, maximize leverage, and make informed financial decisions. Listen to the full episode to gain a deeper understanding of real-world investing strategies, learn how experienced investors approach financing and cash flow challenges, and discover opportunities to optimize your investment performance. Be sure to subscribe and submit your own questions for future episodes. -------------------------------- Throwback Thursday Episode (The episode originally took place in the year 2021) This episode is part of our Throwback Series and may include references to older content such as web classes, events, promotions, or links that are no longer active or available. While the conversation and insights still hold value, please note that some information may be outdated. -------------------------------- If you missed our last episode, be sure to listen to TBT: Rapid Fire Listener Questions Download your FREE copy of:  The Ultimate Guide to Passive Real Estate Investing. See our available Turnkey Cash-Flow Rental Properties. Our team of Investment Counselors has much more inventory available than what you see on our website.  Contact us today for more deals.

You've seen it everywhere. Maybe everyone you know is on it. Maybe you're curious but carrying some shame about it. Maybe you were just handed a prescription and sent on your way with zero context. This episode is for all of you. I'm cutting through the noise and giving you the honest, gray-area conversation about GLP-1 that nobody else is having — so you can make a decision you actually feel good about.IN THIS EPISODE, YOU'LL LEARN:Why living in the gray on GLP-1 is actually the hardest and most honest place to stand — and why I'm not here to tell you yes or noThe shame piece nobody is talking about: where it comes from, why it's not yours, and how it will color your entire experience if you don't look at itWhy GLP-1 is a tool, not a savior — and what the difference looks like between using it powerfully vs. using it as a shortcutWhat weight loss resistance actually is and why your body isn't broken, it's just responding to its environmentThe thyroid medication analogy that will completely reframe how you think about GLP-1The three things to address before you start: gut health, detoxification, and hormonal balance — and why skipping these is why people feel terrible in the beginningWhy your body stores toxins in fat cells and what happens when you start breaking those down without proper detox supportWhat food noise is and why building habits while you're on the medication matters more than the medication itselfTIMESTAMPS:00:00 Welcome & Why This Series, Now 02:22 What This Series Will Cover (Episodes 1, 2 & 3) 03:35 Who This Episode Is For 06:02 The Shame Around GLP-1 08:18 Where That Shame Actually Came From (Diet Culture & the 90s) 11:20 GLP-1 Is a Tool — With Great Power Comes Great Responsibility 13:31 What It Looks Like to Use It Powerfully vs. as a Shortcut 15:44 Weight Loss Resistance Is Real — and It's Not a Character Flaw 19:08 Listener Questions: "I Only Have 15–20 Pounds to Lose" 25:12 "Why Are People Taking It When They Have No Weight to Lose?" 27:42 How to Prepare Your Body Before You Start 28:55 The Three Foundations: Gut Health, Detoxification & Hormonal Balance 35:20 Food Noise, Hunger Cues & Why Habits Matter More Than the Medication 36:55 How to Work With Melissa + GLP-1 Support GuideRESOURCES:

Hit us up with your questions weirdertogetherpod@gmail.com

In this episode, Monika takes listeners inside a recent meeting with Finance Minister Nirmala Sitharaman at the newly inaugurated Kartavya Bhavan. What begins as a visit to present the latest editions and translations of her books becomes a broader reflection on policymaking, public service, and the government's focus on financial consumer protection. She shares her impressions of the transition from the historic North Block to the modern Ministry of Finance offices, describes conversations around financial literacy, mis-selling, and her new online education initiative, and offers a personal glimpse into the people and institutions shaping India's economic policy. Along the way, she reflects on the importance of fiscal prudence and why India's economic foundations remain stronger than many people realise despite current global uncertainty.She then turns to a question from Balaji in Bangalore about one of the biggest challenges in personal finance: planning for retirement in a world where future expenses, inflation, healthcare needs, and even lifestyle expectations are impossible to predict with certainty. Monika explains why retirement planning has been described as one of the hardest problems in finance, discusses the role of inflation targeting by the RBI, and outlines her own framework for managing retirement income through a combination of cash, debt, and equity. The conversation explores how investors can build resilience into their retirement plans without relying on precise forecasts and why flexibility often matters more than accuracy.In listener questions, Saahil from Kolkata asks whether passive investors should trust a single index fund or diversify across multiple fund houses, leading to a discussion about the legal structure of mutual funds, operational risks, AMC failures, and the role of diversification for young investors; and Rama from Pune raises the often-overlooked question of how to actually use accumulated wealth after retirement, prompting a conversation about withdrawal strategies, retirement corpus adequacy, balancing equity and debt in later life, and the importance of preparing not just for the accumulation phase of investing, but also for the decades that follow.Chapters:(00:00 – 00:00) Inside My Meeting with the Finance Minister: Books, Consumer Protection and Mis-Selling(00:00 – 00:00) Retirement Planning Beyond Inflation: Building a Corpus That Lasts(00:00 – 00:00) Index Funds, AMC Risk and the Simplicity of Long-Term Investing(00:00 – 00:00) Managing Retirement Withdrawals: When and How to Use Your Investments(00:00 – 00:00) Listener Questions on Wealth Preservation, Insurance and Financial Freedomhttps://x.com/monikahalan/status/2059623668616249611https://x.com/monikahalan/status/2059838775619145737If you have financial questions that you'd like answers for, please email us at ⁠mailme@monikahalan.com⁠ Monika's book on basic money management⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.monikahalan.com/lets-talk-money-english/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Monika's book on mutual funds⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.monikahalan.com/lets-talk-mutual-funds/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Monika's workbook on recording your financial life⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.monikahalan.com/lets-talk-legacy/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Calculators⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://investor.sebi.gov.in/calculators/index.html⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠You can find Monika on her social media @monikahalan. Twitter ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@MonikaHalan⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@MonikaHalan⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@MonikaHalan⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠LinkedIn ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@MonikaHalan⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Production House: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.inoutcreatives.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Production Assistant:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Anshika Gogoi⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Today Mike, Scott and Pam are here answering your Listener Questions! We start the show by hearing what Pam's thoughts are on the changes coming to the Carousel of Progress here after July 6 and then get some great questions from our listeners! We discuss parking at Disney Springs in the morning to access the buses around the resorts, lunch options at the Swan & Dolphin, plus if theming really matters with similar attractions at the parks! This and much more on today's show! Come join the BOGP Clubhouse on our Discord channel at www.beourguestpodcast.com/clubhouse!  Thank you so much for your support of our podcast! Become a Patron of the show at www.Patreon.com/BeOurGuestPodcast.  Also, please follow the show on Twitter @BeOurGuestMike and on Facebook at www.facebook.com/beourguestpodcast.   Thanks to our friends at The Magic For Less Travel for sponsoring today's podcast!

Host Dirk Knemeyer, a veteran in user experience (UX) design, is joined by co-host David Heron, a long-time game industry professional known for his work across major console evolutions and mobile free-to-play titles. In this episode, they dive deep into the rapidly evolving landscape of AI in game development, sparked by listener questions from their Discord community. The discussion explores the technical hurdles of AI memory and "drift," the ethical debates surrounding AI-generated art versus code, and the historical parallels between current AI fears and past technological shifts like the Luddite movement. Whether you're a developer or a curious player, this conversation offers a blunt, expert look at how AI might either disrupt or democratize the craft of making games

The far-left politics of NYC's new(ish) mayor have drawn national attention, and raised questions about the future of Democratic politics. On Today's Show: New York City mayor Zohran Mamdani takes questions from listeners and talks about this week's news in the city, and other issues important to New Yorkers, including childcare, trans healthcare and more. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

This week, Landon and Jeremiah are joined by Soccerwise's David Gass to discuss Austin FC's search for a coach and CSO, and the future direction of club. Other questions and topics include:- Still a chance for Nelson with Canada?- Purple jersey incoming?- Coach/Sporting Director Search w/ David Gass- What are the odds of hiring our top choices?- How attractive is the Austin job?- How should Austin FC reinvent themselves?- How can Austin develop more youth?- Gass's soccer movie recs: Pelada, Goal! - Austin really the 30th most valuable team?- What is a half-volley exactly?- Free Parking at Amplify- much moreMoontower Soccer is brought to you by FVF LawSupport the show

BPR Full Show 6/2: MA Governor Answers Listener Questions

War Aims and Strategic Bombing History of the Second World War is part of the Airwave Media podcast network. Learn more about your ad choices. Visit ⁠⁠⁠⁠⁠⁠⁠⁠⁠megaphone.f⁠⁠⁠⁠⁠⁠⁠m Learn more about your ad choices. Visit megaphone.fm/adchoices

​The trench coat is back, the mask is on, and Ben Reilly is officially back in the web-slinging saddle—even if his superhero rust just accidentally saved a mob boss. This week, we are breaking down a massive double-header: Episode 2 ("Tread Lightly") and Episode 3 ("Double Cross") of Spider-Noir.​We dive deep into the expanding, gritty landscape of 1930s New York, tracking the clues from Flint Marko's ransacked apartment all the way to the Hooverville raids.​Inside This Week's Briefing:​The Relapsed Hero: Ben poses as a spectacled plumber to get his gear back, puts Silvermane on notice, and then... completely ruins a police stakeout. We break down that glorious, chaotic car-surfing action sequence and Nic Cage's peak Bogart voice.​Sympathy for the "Villains": Spider-Noir is flipping the script on classic Spidey rogues. We react to the live-action debuts of a deteriorating Flint Marko (Sandman) and Lonnie Lincoln (Tombstone) being portrayed as tragic, protective figures rather than outright monsters.​Robbie Robertson on the Beat: Robbie gets a firsthand look at the corruption plaguing the city, only for the Daily Bugle to twist the narrative into anti-powered propaganda. We discuss how deep Mayor Morris and Silvermane's ties really go.​Cat Hardy's Double Game: Is she a client, a victim, or the mastermind who leaked the liquor transfer in the first place? We map out the clues pointing directly back to The Alcove.​Listener Question of the Week: How do you feel about the show turning Sandman and Tombstone's comic book reputations into in-universe political propaganda? Hit us up in the comments or drop us a review with your theories!​Don't forget to rate, review, and subscribe to the feed. Tread lightly out there, listeners.

The Composite Two-Star Recruits podcast is back to break down USC's first official visit weekend, Elite 11 Finals coming to town and a new 2027 LB Crystal Ball. TIME STAMPS (00:00): Rib Talk  (9:00): Official Visitors List  (41:12): 2027 Crystal Ball  (01:03:48): USC Kickoff Times, Oregon Game Visitors  (01:25:33): Hurricane Flow State  (01:52:25): Elite 11 Finals  (02:08:23): Listener Question

Click Here for the Show Notes In this Throwback Thursday episode, the discussion focuses on smart mortgage payoff strategies and practical real estate investing tips for both new and experienced investors. Topics include how bi-weekly mortgage payments can reduce the life of a loan and save thousands in interest, why paying extra toward principal early matters most, and the pros and cons of paying off rental properties faster. The episode also explores the power of leverage in real estate investing, explaining why investors don't need to purchase properties with all cash and how low down payments and financing can help grow a portfolio more efficiently. Additional insights cover refinancing strategies, 1031 exchanges, professional property management, and the importance of being market-agnostic when choosing investment locations. If you found this episode valuable, subscribe to the podcast and share it with others interested in building wealth through real estate. Stay tuned for more practical investing strategies and expert insights in future episodes. -------------------------------- Throwback Thursday Episode (The episode originally took place in the year 2021) This episode is part of our Throwback Series and may include references to older content such as web classes, events, promotions, or links that are no longer active or available. While the conversation and insights still hold value, please note that some information may be outdated. -------------------------------- If you missed our last episode, be sure to listen to TBT: Real Estate Wholesaling 101: How to Get Started Download your FREE copy of:  The Ultimate Guide to Passive Real Estate Investing. See our available Turnkey Cash-Flow Rental Properties. Our team of Investment Counselors has much more inventory available than what you see on our website.  Contact us today for more deals.

Our picks for the Loudenvielle DH World Cup, a round of show & tell, plus some more reader questions.

Can Kev become Britain's Next Top Influencer? Liv and her dad are back as the iconic family duo and this week Liv gives her dad an Influencer 101 to see if hes really cut out for this life, with hilarious results! Plus they discuss dating, family relationships and Keven answers all of your listener parenting dilemmas! DM us in your questions, confessions and dilemmas!Nothing is off limits! Listen now wherever you get your podcasts, and watch the full episode on Sunday @privatepartspod! Hosted on Acast. See acast.com/privacy for more information.

Can Kev become Britain's Next Top Influencer? Liv and her dad are back as the iconic family duo and this week Liv gives her dad an Influencer 101 to see if hes really cut out for this life, with hilarious results! Plus they discuss dating, family relationships and Keven answers all of your listener parenting dilemmas! DM us in your questions, confessions and dilemmas!Nothing is off limits! Listen now wherever you get your podcasts, and watch the full episode on Sunday @privatepartspod! Hosted on Acast. See acast.com/privacy for more information.

Step into profound spiritual conversations with Metatron as listener questions are answered through channeled wisdom, higher consciousness, and multidimensional insight. In this powerful episode of Conversations With Metatron, we explore the mysteries of the soul, spiritual awakening, ascension, galactic origins, and humanity's evolving consciousness.Why do evil souls exist?Where is our true soul home?Are trees conscious beings connected through intelligence and energy?What is the spiritual meaning and healing frequency of jellyfish?Why do Starseeds feel homesick for places they cannot remember?What happens during ascension and energetic awakening?This channeled spiritual podcast dives deep into metaphysical questions surrounding consciousness, soul purpose, reincarnation, divine intelligence, energy healing, and the evolution of the human spirit. Whether you are a Starseed, empath, lightworker, experiencer, or someone seeking deeper meaning, these conversations are designed to awaken remembrance and expand awareness.Topics include:✨ Spiritual Awakening✨ Ascension Symptoms✨ The Soul Journey✨ Consciousness of Nature✨ Galactic Origins & Starseeds✨ Divine Guidance✨ Energy & Frequency✨ Multidimensional Reality✨ Light Language & Higher Wisdom✨ Channeled Messages From MetatronIf you've been searching for answers about the universe, your soul path, or the hidden intelligence woven through existence, this episode will resonate deeply.Please follow my cohost Wendy Gayle, who channels Metatron at www.metatronsmysticalmuse.comSubscribe for more channeled conversations, spiritual insights, past life discussions, galactic wisdom, and multidimensional teachings.Mayra Rath is a Spiritual Hypnotherapist specializing in Past Life Regression Therapy and QHHT Hypnosis. With over 26 years of experience, she has guided countless individuals through transformative journeys into their past lives, helping them uncover deep-rooted patterns and heal emotional wounds and traumas connected to previous incarnations.Based in Los Angeles, Mayra conducts sessions through her private practice, Soul Signs Hypnosis, both in-person and remotely.Connect with me Website: https://www.soulsigns.netSocial Media:TIKTOK:@SoulSignsHypnosisInstagram:@SoulSignsHypnosisFacebook Group: https://www.facebook.com/groups/1009959799420939 Youtube: @SoulSignsHypnosisPODCAST: Past Lives with Mayra Rath (Apple & Spotify)#pastlivespodcast #starseedmeaning #starseedactivations #qhhtpractitioner #qhhtsessions Hosted on Acast. See acast.com/privacy for more information.

Today Mike and Pam are here answering your Listener Questions! We start the show off by discussing how excited we are by what we are seeing this week with the new experiences that are opening at Walt Disney World. What are your initial thoughts? Then, we get a question about our dream concert we could bring to WDW (brought about by the Dave Matthews Band playing the Magic Kingdom a couple of weeks back), ideas for Paint the Night viewing areas for a young family, how Placeholders can be really, really good deals right now with Disney Cruise Line, and much more! Come join the BOGP Clubhouse on our Discord channel at www.beourguestpodcast.com/clubhouse!  Thank you so much for your support of our podcast! Become a Patron of the show at www.Patreon.com/BeOurGuestPodcast.  Also, please follow the show on Twitter @BeOurGuestMike and on Facebook at www.facebook.com/beourguestpodcast.   Thanks to our friends at The Magic For Less Travel for sponsoring today's podcast!