Podcasts about LTC

This week, Diane sues te Parable of the Sower to share different reactions to LTC planning occur in the United States.   Are you the hard soil?  The rocky soil? The thorny soik?  The fertile soil? After listening, you can scheudle a phone or zoom meeting with me to start planing to prepare for your family's tomorrow

Dave Kotter is the CEO and President of Hybrid Debt Fund and Integrity Capital LLC, with over $2 billion in funded loans. He specializes in private credit solutions that bridge the gap between traditional bank financing and equity, offering innovative stretch senior loans that provide higher leverage while allowing sponsors to retain more control and equity upside.    

Many have been advised by a financial planner, estate planning attorney or other professional that they have enough assets to "self-insure" future LTC needs. The question is not "can I afford it?" but "Is this the best use of assets to fund future care needs?" This episode is full of questions you should be asking yourself and your advisors if they tell you you can afford to self-fund. Listen and schedule some time with me to consider the risk and search for the most cost-efficient ways to pay for extended care  View current and projected costs of care where you live Learn what your state Medicaid system lets you keep

In this episode of FrameworkFocus, we explore how the long-term care (LTC) market has evolved from the pre-pandemic boom through COVID-19's sharp disruption to today's near-recovery. Jason Yablinsky, CFO at SoftWriters, unpacks how shifting interest rates, housing liquidity, and the coming wave of Baby Boomer demand are reshaping the industry's trajectory. Tune in to learn why today's financial constraints may soon become tomorrow's catalysts for growth.

One Team One Fight.Rumble:https://rumble.com/c/ThePathForwardhttps://rumble.com/c/LTCStevenMurrayRSS:https://rss.com/podcasts/ltcstevenmurray/1T1F shirts -https://ltc-steven-murray.myspreadshop.com/How to find me: @Ltc_steven_mur on Twitter @LTC Steven Murray on Telegram @LTC Steven Murray on Truth SocialSubstack https://substack.com/@thepathforward25https://preppedselfreliance.substack.com/

Any donation is greatly appreciated! 47e6GvjL4in5Zy5vVHMb9PQtGXQAcFvWSCQn2fuwDYZoZRk3oFjefr51WBNDGG9EjF1YDavg7pwGDFSAVWC5K42CBcLLv5U OR DONATE HERE: https://www.monerotalk.live/donate TODAY'S SHOW: Monero's network is facing coordinated selfish-mining “marathons” by Cubic, causing multi-block reorganizations that disrupt transactions but haven't led to double-spends. With Cubic controlling an estimated 30–35% of hash power, the attacks combine technical pressure with “weaponized marketing” to boost their own coin. The community is responding by mobilizing CPU miners—especially on decentralized P2Pool—renting hash power during attack windows, and discussing medium-term fixes like fee adjustments, improved mining incentives, and greater decentralization. Broader regulatory headwinds, including high-profile legal cases against privacy tools, add to the urgency. Core consensus is to protect Monero's tail emission, reject proof-of-stake, and focus on practical, PoW-compatible defenses while reassuring users their funds remain safe. TIMESTAMPS: Coming soon! GUEST LINKS: https://x.com/xenumonero Purchase Cafe & tip the farmers w/ XMR! https://gratuitas.org/ Purchase a plug & play Monero node at https://moneronodo.com SPONSORS: Cakewallet.com, the first open-source Monero wallet for iOS. You can even exchange between XMR, BTC, LTC & more in the app! Monero.com by Cake Wallet - ONLY Monero wallet (https://monero.com/) StealthEX, an instant exchange. Go to (https://stealthex.io) to instantly exchange between Monero and 450 plus assets, w/o having to create an account or register & with no limits. WEBSITE: https://www.monerotopia.com CONTACT: monerotalk@protonmail.com ODYSEE: https://odysee.com/@MoneroTalk:8 TWITTER: https://twitter.com/monerotalk FACEBOOK: https://www.facebook.com/MoneroTalk HOST: https://twitter.com/douglastuman INSTAGRAM: https://www.instagram.com/monerotalk TELEGRAM: https://t.me/monerotopia MATRIX: https://matrix.to/#/%23monerotopia%3Amonero.social MASTODON: @Monerotalk@mastodon.social MONERO.TOWN: https://monero.town/u/monerotalkAny donation is greatly appreciated!Any donation is greatly appreciated!

Canadian journalist Nora Loreto reads the latest headlines for Thursday, August 14, 2025.TRNN has partnered with Loreto to syndicate and share her daily news digest with our audience. Tune in every morning to the TRNN podcast feed to hear the latest important news stories from Canada and worldwide.Find more headlines from Nora at Sandy & Nora Talk Politics podcast feed.Help us continue producing radically independent news and in-depth analysis by following us and becoming a monthly sustainer.Follow us on:Bluesky: @therealnews.comFacebook: The Real News NetworkTwitter: @TheRealNewsYouTube: @therealnewsInstagram: @therealnewsnetworkBecome a member and join the Supporters Club for The Real News Podcast today!

This week, I'm sharing what I learned about public LTC funding in Germany and how it's managed.  Their national/local public funding initiative is alreaday underfunded by taxes, and the aging population there is expected to increase by 37% over the next 30 years.   This is miniscule as compared to our aging population in the U.S.   We need to learn from our past mistakes as well as from what other countries are attempting in this arena. Thank you to the Center for LTC Reform for their articles and And please schedule some time to Prepare for Your Tomorrow today

Don and Tom rip apart a sponsored “news” piece from the Puget Sound Business Journal pushing a company called FISYN, which promises to buy investors out of their annuities and deliver a “safe” 12% tax-free return via raw Texas land. They expose the misleading fine print, the founder's disciplinary history, and the high-risk, illiquid nature of such private equity deals. Calls and questions cover long-term care insurance riders on annuities, portfolio allocation in deferred comp plans, Roth vs. tax-deferred placement for bonds, managing taxable brokerage cash vs. emergency funds, and dividend-vs.-total-return withdrawal strategies. They also clarify that QCDs can only come from IRAs (not 401(k)s or TSPs) unless funds are rolled over first. Throughout, they hammer home skepticism toward anything that sounds too good to be true, distrust of advertorial financial pitches, and the importance of planning before buying complex products. 1:35 Breaking the “golden handcuffs” of annuities—how FISYN's pitch hooks investors 3:20 The too-good-to-be-true promise: 12% returns, equity kicker, no volatility, tax-free 3:49 Founder's BrokerCheck record and lawsuits 5:15 Comparison to Woodbridge Ponzi scheme 6:32 The frying pan-to-fire swap: annuity to raw Texas land 7:37 Bonus shares and “free” Texas trip incentives 8:06 Critique of sponsored content posing as journalism 9:24 Reality check on raw land returns and costs 10:04 Broader issue: pay-to-play financial media 11:18 Caller Robert (TX): Fixed annuity with LTC rider—pros, cons, and better planning sequence 16:29 Insurance industry skepticism and “Wizards of Odds” nickname reveal 17:54 Caller John (WA): Deferred comp allocation—global, small-cap, emerging markets mix 19:18 Roth vs. tax-deferred bond placement and rebalancing flexibility 20:55 Revisiting the “Wizards of Odds” label for insurance companies 21:47 FISYN as a private equity example and why PE risk is often underestimated 23:35 High costs, valuation uncertainty, and past PE meltdowns 25:03 Total-loss potential in private equity investments 26:33 Caller Scott (NY): Using taxable brokerage for overflow cash—emergency fund priority and vehicle choice 30:34 Federal money market funds as short-term parking 31:54 Listener Thomas: Dividend withdrawals vs. total return strategy sustainability 34:43 Caller Pat: QCD rules—only from IRAs, rollover options, and who makes the rules 37:30 Paul Merriman “10 Myths, Lies, and Mistakes” episode plug 38:46 Podcast chart ranking and listener thanks Learn more about your ad choices. Visit megaphone.fm/adchoices

One Team One Fight.Rumble:https://rumble.com/c/ThePathForwardhttps://rumble.com/c/LTCStevenMurrayRSS:https://rss.com/podcasts/ltcstevenmurray/1T1F shirts -https://ltc-steven-murray.myspreadshop.com/How to find me: @Ltc_steven_mur on Twitter @LTC Steven Murray on Telegram @LTC Steven Murray on Truth SocialSubstack https://substack.com/@thepathforward25https://preppedselfreliance.substack.com/

Citadel, one of the world's largest hedge funds, has joined the ranks of companies investing in Litecoin (LTC) for treasury purposes. This move follows a trend set by other major corporations, including MEI Pharma, which recently allocated $100 million to Litecoin as its primary treasury asset.~This episode is sponsored by Tangem~Tangem ➜ https://bit.ly/TangemPBNUse Code: "PBN" for Additional Discounts!Guest: David Schwartz, Director of Strategic Partnerships at Litecoin FoundationLitecoin website ➜ https://litecoin.org/00:00 Intro00:06 Sponsor: Tangem00:42 Litecoin Latest Update01:45 Litecoin Twitter Account is fire02:20 Treasury Companies a Bubble?03:59 Trust in Litecoin05:19 Litecoin ETF Approval06:56 Litecoin vs Bitcoin: Store of Value08:40 MEI Pharma & Citadel Treasury Funds10:30 Ecosystem Investments11:15 Charlie Lee Rebuying Litecoin13:29 outro#Litecoin #Crypto #Bitcoin~Citadel Joins Litecoin Treasury Fund

One Team One Fight.Rumble:https://rumble.com/c/ThePathForwardhttps://rumble.com/c/LTCStevenMurrayRSS:https://rss.com/podcasts/ltcstevenmurray/1T1F shirts -https://ltc-steven-murray.myspreadshop.com/How to find me: @Ltc_steven_mur on Twitter @LTC Steven Murray on Telegram @LTC Steven Murray on Truth SocialSubstack https://substack.com/@thepathforward25https://preppedselfreliance.substack.com/

Arielle Galinsky—Harvard Kennedy School MPP candidate, JD candidate at Yale Law School, and advocate for aging with dignity—joins host Roger Loomis for a wide-ranging conversation on caregiving, aging, and how her generation sees the future of LTC financing.

Matt Smith Article: DARPA's Theory of Mind WarfareTucker / Owens Interview - https://x.com/TuckerCarlson/status/1951327223845105812Lawerence Gonzalez Deep Survival - https://a.co/d/hUzfOBYOne Team One Fight.Rumble:https://rumble.com/c/ThePathForwardhttps://rumble.com/c/LTCStevenMurrayRSS:https://rss.com/podcasts/ltcstevenmurray/1T1F shirts -https://ltc-steven-murray.myspreadshop.com/How to find me: @Ltc_steven_mur on Twitter @LTC Steven Murray on Telegram @LTC Steven Murray on Truth SocialSubstack https://substack.com/@thepathforward25https://preppedselfreliance.substack.com/

Any donation is greatly appreciated! 47e6GvjL4in5Zy5vVHMb9PQtGXQAcFvWSCQn2fuwDYZoZRk3oFjefr51WBNDGG9EjF1YDavg7pwGDFSAVWC5K42CBcLLv5U OR DONATE HERE: https://www.monerotalk.live/donate TODAY'S SHOW: This episode of Monero Talk featured a discussion with Arctic (Francisco) on key developments in Monero and the broader crypto ecosystem. Arctic shared updates on his work optimizing scaling for full chain membership proofs, addressing concerns about increased transaction sizes and verification times. They discussed the Samurai Wallet case, where developers pled guilty to money transmission violations tied to fees sent to operators, reinforcing existing FinCEN guidance rather than creating new law. The main topic centered on the emerging “Cubic” cryptocurrency, which uses Monero merge-mining under the guise of “proof of useful work.” Arctic warned that if Cubic amasses significant hash rate, it could threaten Monero's network security, similar to the 2018 ASIC attack, and suggested countermeasures like miner education and potential token sell-offs. The conversation also contrasted proof of stake's flaws with proof of work's resilience and concluded with updates on Monero's full chain membership proofs—expected around 2026—which aim to improve fungibility despite larger transaction sizes and longer verification times, mitigated through parallel processing and hardware optimizations. TIMESTAMPS: (00:01:02) Arctic joins – updates on scaling work and personal projects. (00:03:55) Samurai Wallet case – Money transmission fees, legal implications, and Tornado Cash parallels. (00:22:51) Clarity Act – Regulatory protections for decentralized cryptocurrencies. (00:23:29) Sterlingov case – Chain analysis validity and implications for Monero delisting. (00:27:21) Transition to main topic – Cubic mining attack and proof of useful work concept. (00:32:59) Historical context – 2018 Bitmain ASIC attack and community defense. (00:40:21) Monitoring hash rates – Early indicators of potential attacks. (00:43:09) Encouragement to mine at home – Defensive community mining efforts. (00:44:01) History of Kryptonote and Bytecoin – Early Monero origins and attacks. (00:48:02) Merge mining attacks – Risks and prevention approaches. (00:54:29) Proof-of-Stake discussion – Short-selling risks and vulnerabilities. (01:03:28) Preventing future attacks – Community awareness and decentralized pools. (01:07:14) Full Chain Membership Proofs (FCMP) – Fungibility upgrade, scaling challenges, and verification improvements. (01:10:49) Efficiency contests and progress – Ongoing optimizations for FCMP GUEST LINKS: Purchase Cafe & tip the farmers w/ XMR! https://gratuitas.org/ Purchase a plug & play Monero node at https://moneronodo.com SPONSORS: Cakewallet.com, the first open-source Monero wallet for iOS. You can even exchange between XMR, BTC, LTC & more in the app! Monero.com by Cake Wallet - ONLY Monero wallet (https://monero.com/) StealthEX, an instant exchange. Go to (https://stealthex.io) to instantly exchange between Monero and 450 plus assets, w/o having to create an account or register & with no limits. WEBSITE: https://www.monerotopia.com CONTACT: monerotalk@protonmail.com ODYSEE: https://odysee.com/@MoneroTalk:8 TWITTER: https://twitter.com/monerotalk FACEBOOK: https://www.facebook.com/MoneroTalk HOST: https://twitter.com/douglastuman INSTAGRAM: https://www.instagram.com/monerotalk TELEGRAM: https://t.me/monerotopia MATRIX: https://matrix.to/#/%23monerotopia%3Amonero.social MASTODON: @Monerotalk@mastodon.social MONERO.TOWN: https://monero.town/u/monerotalkAny donation is greatly appreciated!Any donation is greatly appreciated!

Despite lousy headlines—tariffs, weak earnings, flat revenues—the market keeps climbing. Don and Tom explain why trying to guess the “why” behind short-term moves is a fool's errand, and why global diversification (including those long-shunned international small caps) is paying off. Listeners call in with smart, complex questions: million-dollar leftover 529s, the viability of the Hagerty Index for collectibles, catastrophic long-term care insurance, and a 401(k) loan vs. credit union loan for home repairs. The show wraps with heartfelt praise, a Mitch Albom-inspired moment, and confirmation: yes, listeners are thinking differently—and smarter—about money. 0:04 Market's up, headlines are down—why? No one knows, and that's the point 1:15 The caffeinated squirrel rally and your brother's market anxiety 2:55 The market looks ahead—it's not reacting to the news you just read 5:12 Global diversification pays off: international small cap value shines 7:20 Caller: Million-dollar 529 leftovers—can kids gift unused funds to parents? 11:46 Most impressive 529 balance ever? Don and Tom are stunned 12:08 Caller: Classic car prices collapse—HAGI Index and collectible declines 15:19 Watches, comics, wine, art—all taking hits. Even Beanie Babies. 16:03 Caller: What's the timeline after submitting a financial plan request? 19:00 Tangled web of accounts—Brooke (aka Sherry) needs a full portfolio untangling 20:42 Don's family vacation: heat, pools, and a surprising Disney dinner treat 22:03 Disney Springs' Boathouse = #2 grossing restaurant in the U.S. 23:19 Caller: Long-term care worries and catastrophic coverage that doesn't exist 25:30 Hybrid insurance pitches: Why you should be skeptical 29:54 The reality of LTC premiums and why investing might be the better route 30:03 A Mitch Albom moment: A caller's touching message on the power of good advice 31:57 Caller: 401(k) loan vs. signature loan to fund $8K home repair 35:51 Caller: 2 years cancer-free—celebrating health and financial proactivity 36:58 Caller: What's the ideal retirement savings multiple by age 60? Learn more about your ad choices. Visit megaphone.fm/adchoices

In this timely webinar on the humanitarian emergency in Gaza, LTC (res.) Or Elrom (former COGAT Senior Officer) and Dr. Shira Efron (Israel Policy Forum's Research Director and The Diane and Guilford Glazer Foundation Senior Fellow) examine the dire conditions on the ground, barriers to delivering aid, what can be done to address the crisis, and where the international community can play a role.Read our statement calling for urgent action on Gaza's humanitarian crisis here. Support the showFollow us on Instagram, Twitter/X, and Bluesky, and subscribe to our email list here.

One Team One Fight.Rumble:https://rumble.com/c/ThePathForwardhttps://rumble.com/c/LTCStevenMurrayRSS:https://rss.com/podcasts/ltcstevenmurray/1T1F shirts -https://ltc-steven-murray.myspreadshop.com/How to find me: @Ltc_steven_mur on Twitter @LTC Steven Murray on Telegram @LTC Steven Murray on Truth SocialSubstack https://substack.com/@thepathforward25https://preppedselfreliance.substack.com/

This week, we're describing who may consider different types of LTC planning strategies and why. Stand-alone/traditional LTC  vs. Hybrid Life/LTC vs. Hybrid Annuity/LTC. All provide tax-free benefits for extended care needs. Thank you to team for creating easy to understand documents that agents can share with their clients. Listen and consider which category of coverage can fit your needs and financial structure best and let's talk. Schedule a free consultation to learn more  

24th July: Blockchain DXB Podcast

Sponsored by Eyecon by RxSafe Guests: Joe Moose, PharmD (Moose Pharmacy) & Joe Williams, RPh (APEX Pharmacy Consulting) Podcast Series: LTC Pharmacy at Home: Redefining Independent Pharmacy Growth Episode Summary: In Part 3 of our Eyecon by RxSafe-sponsored series, we dive deep into how independently owned pharmacies can scale their business and impact patient lives by expanding into Long-Term Care at Home (LTC-at-Home). Joined by industry leaders Joe Moose of Moose Pharmacy and Joe Williams of APEX Pharmacy Consulting, we break down the Top 5 ways community pharmacies can lead the LTC-at-Home movement — offering actionable strategies to support medically complex patients, differentiate services, and integrate more deeply into the care team. This episode delivers a blueprint for pharmacies ready to go beyond traditional retail and build recurring revenue with purpose-driven patient care.

One Team One Fight.Rumble:https://rumble.com/c/ThePathForwardhttps://rumble.com/c/LTCStevenMurrayRSS:https://rss.com/podcasts/ltcstevenmurray/1T1F shirts -https://ltc-steven-murray.myspreadshop.com/How to find me: @Ltc_steven_mur on Twitter @LTC Steven Murray on Telegram @LTC Steven Murray on Truth SocialSubstack https://substack.com/@thepathforward25https://preppedselfreliance.substack.com/

Any donation is greatly appreciated! 47e6GvjL4in5Zy5vVHMb9PQtGXQAcFvWSCQn2fuwDYZoZRk3oFjefr51WBNDGG9EjF1YDavg7pwGDFSAVWC5K42CBcLLv5U OR DONATE HERE: https://www.monerotalk.live/donate TODAY'S SHOW: In this episode of Monero Talk, legal expert Zach Shapiro joins Douglas Tuman to discuss U.S. cryptocurrency legislation, the legal challenges facing privacy tech, and the philosophical divide between building unstoppable systems versus working within regulatory frameworks. Shapiro, who runs a crypto-focused law firm and is involved with the Bitcoin Policy Institute and Peer-to-Peer Rights Foundation, outlines recent bills in Congress—including the Clarity Act and Genius Act—and their implications for developers and privacy advocates. He and Doug debate Bitcoin vs. Monero, focusing on fungibility and censorship resistance, with Shapiro defending Bitcoin's legal positioning and Doug championing Monero's privacy features. The episode also covers ongoing cases like Tornado Cash, the status of Samurai Wallet, and efforts to repeal New York's restrictive BitLicense. TIMESTAMPS: (00:02:12) – Introduction to Zach's background and involvement with the Bitcoin Policy Institute, Peer-to-Peer Rights Foundation. (00:08:13) – Zach's perspective on various technologies: Bitcoin, stablecoins, DAOs. (00:12:21) – Debate on fungibility: Bitcoin vs Monero. (00:17:09) – Is Bitcoin functionally fungible? Legal and policy perspectives. (00:20:00) – Cash vs Bitcoin legal treatment in cases of stolen funds. (00:28:57) – Mining decentralization: ASICs, CPUs, regulatory capture. (00:33:18) – Zach's overall take on Monero vs Bitcoin. (00:36:15) – Explanation of 3 key crypto-related bills (Genius Act, Clarity Act, Anti-CBDC Bill) (00:43:23) – Implications of Section 110 for privacy developers. (00:46:25) – Concerns over Genius Act enabling “backdoor CBDC.” (00:53:00) – What would Satoshi think about current crypto laws and stablecoins? (00:58:02) – Genius Act's effect on algorithmic stablecoins (likely banned). (01:02:12) – Genius Act vs Clarity Act: Pros and cons for Monero. (01:06:01) – Eliminating capital gains for crypto use — is it possible? (01:07:50) – Comments on the Bank Secrecy Act, impact of Calirty Act for Monero, NY's BitLicense, and Monero exchange bans. (01:11:18) - Closing Remarks GUEST LINKS: https://x.com/zackbshapiro Purchase Cafe & tip the farmers w/ XMR! https://gratuitas.org/ Purchase a plug & play Monero node at https://moneronodo.com SPONSORS: Cakewallet.com, the first open-source Monero wallet for iOS. You can even exchange between XMR, BTC, LTC & more in the app! Monero.com by Cake Wallet - ONLY Monero wallet (https://monero.com/) StealthEX, an instant exchange. Go to (https://stealthex.io) to instantly exchange between Monero and 450 plus assets, w/o having to create an account or register & with no limits. WEBSITE: https://www.monerotopia.com CONTACT: monerotalk@protonmail.com ODYSEE: https://odysee.com/@MoneroTalk:8 TWITTER: https://twitter.com/monerotalk FACEBOOK: https://www.facebook.com/MoneroTalk HOST: https://twitter.com/douglastuman INSTAGRAM: https://www.instagram.com/monerotalk TELEGRAM: https://t.me/monerotopia MATRIX: https://matrix.to/#/%23monerotopia%3Amonero.social MASTODON: @Monerotalk@mastodon.social MONERO.TOWN: https://monero.town/u/monerotalkAny donation is greatly appreciated!Any donation is greatly appreciated!

Chcete-li podpořit Svobodný přístav, můžete tak učinit v krypto i korunách! Pravidelná podpora a LN: https://opristavu.urza.cz/ BTC: bc1qwy8l3w0v826amd69h4awpt9hee6srxn4gk2cpg LTC: ltc1q2w2zezyj4anh3v428msf9kqvzelt76n62ys93h Číslo účtu: 2201359764/2010; variabilní symbol: 6 -------- Čas od času se mnou Daniel Holánek udělá nějaký rozhovor; a já se s ním vždycky moc rád bavím, jelikož z něj mám pocit, že o těch tématech opravdu do hloubky přemýšlí, takže jsem s radostí kývl na další hovor na tři (jím vybraná) témata. Nejprve jsme rozebírali daňové optimalizace – můžete čerpat praktické rady od finančního poradce; potom jsme se chvíli věnovali rozičovským obavám ze sebeřízení; a za nejzajímavější část považuji závěr, kde jsme se bavili o (de)centralizované armádě, přičemž já spíše zastával sílu té centralizované. – Daniel Holánek; anarchokapitalista; investor; YouTuber; finanční poradce – Urza (www.urza.cz); autor knihy Anarchokapitalismus; tvůrce Svobodného přístavu; spoluzakladatel a hlava Institutu Ludwiga von Misese; člen předsednictva Svobody učení; učitel ve svobodné škole Ježek bez klece

In our third week with our couple in their 80s, we consider options to obtain the most LTC benefits from annuities. If you already own annuities, check for a Chronic Illness rider or LTC rider.  If there is one, read it carefully as different rules apply to access enhanced benefits for care.  If you need help understanding your rider, ask me for guidance Some pay the LTC benefits tax-free and some don't.   Some require your need to be permanent, some don't. Some will enhance benefits for both cognitive and physical needs, and some don't. If you own an annuity (non-IRA) with a good amount of earnings, it can be repositioned to an annuity that can pay potentially three times the account value of the annuity, or more, tax-free when used for care.  This eliminates all the taxable gains your current annuity has earned over the years. If your annuity IS your LTC plan, there are wiser ways to use it than simply withdrawing the earnings and paying taxes on the gains. Schedule with me to learn more   

Any donation is greatly appreciated! 47e6GvjL4in5Zy5vVHMb9PQtGXQAcFvWSCQn2fuwDYZoZRk3oFjefr51WBNDGG9EjF1YDavg7pwGDFSAVWC5K42CBcLLv5U OR DONATE HERE: https://www.monerotalk.live/donate TODAY'S SHOW: In this episode of Monero Talk, Douglas Tuman interviews Vince Lundgren, an independent candidate running for California governor in 2026. The conversation begins with their first meeting at the Finney Forum and moves into Vince's background—from his Navy service and intelligence work to the injury that ended his SEAL training. He reflects on being aboard the USS Abraham Lincoln during 9/11 and President Bush's "Mission Accomplished" speech. After leaving the military, Vince faced chronic health issues and overcame a dependency on prescription painkillers, eventually finding purpose in outdoor recreation and earning a related degree. The discussion shifts to Vince's campaign, focusing on his critiques of California's handling of homelessness, crime, drug addiction, and identity politics. He shares crime statistics he personally compiled, arguing they challenge mainstream narratives and are largely ignored by media. Vince discusses his stance on gun rights, his interest in Monero, and his belief that while his campaign is a longshot, it serves to raise awareness. The episode wraps with thoughts on alternative systems, Vince's passion for data-driven truth, and a brief story about meeting David Goggins post-SEAL training. TIMESTAMPS: Coming soon! GUEST LINKS: https://x.com/fixingcali Purchase Cafe & tip the farmers w/ XMR! https://gratuitas.org/ Purchase a plug & play Monero node at https://moneronodo.com SPONSORS: Cakewallet.com, the first open-source Monero wallet for iOS. You can even exchange between XMR, BTC, LTC & more in the app! Monero.com by Cake Wallet - ONLY Monero wallet (https://monero.com/) StealthEX, an instant exchange. Go to (https://stealthex.io) to instantly exchange between Monero and 450 plus assets, w/o having to create an account or register & with no limits. WEBSITE: https://www.monerotopia.com CONTACT: monerotalk@protonmail.com ODYSEE: https://odysee.com/@MoneroTalk:8 TWITTER: https://twitter.com/monerotalk FACEBOOK: https://www.facebook.com/MoneroTalk HOST: https://twitter.com/douglastuman INSTAGRAM: https://www.instagram.com/monerotalk TELEGRAM: https://t.me/monerotopia MATRIX: https://matrix.to/#/%23monerotopia%3Amonero.social MASTODON: @Monerotalk@mastodon.social MONERO.TOWN: https://monero.town/u/monerotalkAny donation is greatly appreciated!Any donation is greatly appreciated!

The podcast makes its second visit to Hawaii. UIAAA Connection #236 – Pastor Rob Araki, CMAA, Former Director of Athletics – Hanalani Schools K-12, is now available. PastorRob grew up in Greenville, South Carolina, near Wade Hampton High School, where former NIAAA President Darryl Nance worked. His mother hoped he would attend Bob Jones University, but he found his way to being a pastor by othermeans. He earned a degree in Business Administration. Now serving as the state coordinator in Hawaii, Rob recently co-authored LTC 718, a leadership course focused on navigating tragic events. His advice centers on three key principles: finding a reliable mentor, intentionally scheduling rest tomaintain balance, and prioritizing family care. These practices support strong, compassionate leadership and long-term personal and professional well-being. PleaseListen, Learn, and Share! You can subscribe to UIAAA TV on YouTube! This podcast is also available on Amazon Music, Apple Podcasts, Breaker, Castbox, Google Podcasts, iHeartRadio, Overcast, Pocket Casts, RadioPublic, Spotify,Stitcher, and YouTube.

Last week, I shared how not having a plan can create chaos throughout the whole family when long term care is needed. This week, I used the same need and family but added LTC insurance as a tool to help pay for care expenses. Listen and learn how helpful even a small plan can work to make life a little less difficult during a very difficult time. Then schedule some time with me to design your plan See current and projected costs of care (use 5% COLA to project Learn what your state's Medicaid program let's you keep and qualify for help

One Team One Fight.Rumble:https://rumble.com/c/ThePathForwardhttps://rumble.com/c/LTCStevenMurrayRSS:https://rss.com/podcasts/ltcstevenmurray/1T1F shirts -https://ltc-steven-murray.myspreadshop.com/How to find me: @Ltc_steven_mur on Twitter @LTC Steven Murray on Telegram @LTC Steven Murray on Truth SocialSubstack https://substack.com/@thepathforward25https://preppedselfreliance.substack.com/

In this hard-hitting episode, Don and Tom expose “Retirement Planning University”—a slick, misleading marketing operation posing as a legitimate educational program. Despite hosting seminars at respected universities, the organization isn't accredited and exists primarily to funnel attendees into high-commission indexed annuities sold by Strategic Wealth Investment Group. The duo break down the tangled relationships, the legal gray zones (including a likely violation of Florida law), and the wildly under-disclosed conflicts buried deep in Form ADV filings. Plus: a call from a skeptical listener about global diversification, a backdoor Roth update in response to H.R.1, a heartwarming tribute to Tom's mother-in-law, and a brutal real-world annuity pitch targeting grieving beneficiaries. This one hits hard. 0:04 Thunder and fireworks, then a storm of a different kind: fake financial education 1:20 “Retirement Planning University” is not accredited—possibly illegal in Florida 2:38 Florida law: using “university” in a name can be a crime 4:21 Strategic Wealth Investment Group funnels money into their “nonprofit” 6:27 Don breaks down Form 990 and discovers $6.3M in funding with 1.8% used for education 8:50 A never-before-seen conflict disclosure: over a page of indexed annuity conflicts 11:02 Universities that rent space to these events—should they be ashamed? 13:56 Don confesses: used ChatGPT to surface filings, laws, and charity reports faster 15:40 Final verdict: it's not education—it's a sophisticated lead funnel 17:18 Caller Jack: Is VT too concentrated in tech megacaps like Apple and Nvidia? 19:22 Don: It's still globally diversified, but yes, value/small tilts help 21:57 A heartfelt tribute to Tom's mother-in-law and her one smart money move: LTC insurance 23:01 Caller Mark: Does the new tax bill kill backdoor Roths? 27:18 Don runs the full 900-page bill through GPT—no mention of Roth changes 28:56 Sidebar: elderly elephant tourists and Romanian bear selfies 30:36 Caller Mary: Advisor pitching a 1035 annuity swap to dodge IRMA 34:42 Don and Tom: Just pay the IRMA bump—don't buy another bad annuity 36:44 The IRMA fear is way overblown; it's just one year 39:18 Why aren't these practices banned? Because regulators are stretched thin 40:12 Don taught real adult education classes—but the next “educator” was a broker Learn more about your ad choices. Visit megaphone.fm/adchoices

Here are the TOP 5 ways independently owned pharmacies can build their businesses through the expansion of "LTC Pharmacy at Home" services   1. Target Medically Complex Patients Stand out with personalized medication management Partner with home health, geriatricians, and specialists Offer in-home or telehealth MTM services Position pharmacists as key care team members 2. Offer Specialized Packaging & Delivery Boost adherence with simple, consistent solutions Use blister packs or multi-dose packaging Provide branded, scheduled home delivery Sync refills to reduce confusion 3. Provide 24/7 Clinical Support Be there when patients need you most Set up pharmacist-on-call or live chat Offer after-hours medication delivery Promote to referring providers 4. Build Referral Networks Earn trust as a reliable LTC-at-home partner Create materials for providers and agencies Attend care coordination meetings Host educational sessions for partners 5. Promote Cost & Outcome Benefits Show your impact on care and cost Share data on reduced readmissions and errors Highlight prevention of missed doses Explore payer partnerships and reimbursements

Any donation is greatly appreciated! 47e6GvjL4in5Zy5vVHMb9PQtGXQAcFvWSCQn2fuwDYZoZRk3oFjefr51WBNDGG9EjF1YDavg7pwGDFSAVWC5K42CBcLLv5U OR DONATE HERE: https://www.monerotalk.live/donate TODAY'S SHOW: In this episode of Monero Talk, host Douglas Tuman speaks with guest Deki, an engineer and philosopher, about the intersection of Ayn Rand's Objectivism and cryptocurrency—particularly Monero. Deki, who recently presented on this topic at MoneroKon, outlines Rand's key philosophical pillars—objective reality, reason, rational self-interest, free market capitalism, and privacy—and argues that these values closely align with the principles behind decentralized crypto. The two explore Rand's likely support for privacy-focused coins like Monero over state-aligned cryptocurrencies, discuss her novels Atlas Shrugged and The Fountainhead, and reflect on how philosophical literacy can guide resistance to government overreach. The conversation also touches on current political events, Bitcoin's co-optation, and the difficulty of waking people up to freedom-focused ideas in an age of convenience. TIMESTAMPS: Coming soon! GUEST LINKS: https://x.com/dekizedd Purchase Cafe & tip the farmers w/ XMR! https://gratuitas.org/ Purchase a plug & play Monero node at https://moneronodo.com SPONSORS: Cakewallet.com, the first open-source Monero wallet for iOS. You can even exchange between XMR, BTC, LTC & more in the app! Monero.com by Cake Wallet - ONLY Monero wallet (https://monero.com/) StealthEX, an instant exchange. Go to (https://stealthex.io) to instantly exchange between Monero and 450 plus assets, w/o having to create an account or register & with no limits. WEBSITE: https://www.monerotopia.com CONTACT: monerotalk@protonmail.com ODYSEE: https://odysee.com/@MoneroTalk:8 TWITTER: https://twitter.com/monerotalk FACEBOOK: https://www.facebook.com/MoneroTalk HOST: https://twitter.com/douglastuman INSTAGRAM: https://www.instagram.com/monerotalk TELEGRAM: https://t.me/monerotopia MATRIX: https://matrix.to/#/%23monerotopia%3Amonero.social MASTODON: @Monerotalk@mastodon.social MONERO.TOWN: https://monero.town/u/monerotalkAny donation is greatly appreciated!Any donation is greatly appreciated!

This week, Diane shares a story of what can happen when there is no plan for extended care or long term care. With cataract surgery adjustments today and super dialated eyes, rhis is all that can be said this week. Sorry for any typos, I can't see well at all. Listen sand schedule to design your family's plan

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Chcete-li podpořit Studio Svobodného přístavu, můžete tak učinit v krypto i korunách! Pravidelná podpora a LN: https://opristavu.urza.cz/ BTC: bc1qwy8l3w0v826amd69h4awpt9hee6srxn4gk2cpg LTC: ltc1q2w2zezyj4anh3v428msf9kqvzelt76n62ys93h Číslo účtu: 2201359764/2010; variabilní symbol: 6 -------- Končí další sezóna Svobodného přístavu; o prázdninách bude náš provoz opět o něco menší, jelikož jednak klesá sledovanost a čtenost, ale také potřebujeme od naší tvorby trochu poodstoupit (a připravovat další). Můžete se těšit na spoustu dalšího obsahu (nejen) příští rok; i na novou akci na hraně (nebo spíš už za hranou) zákona. Toto video jsem natočil, abych se s Vámi rozloučil; také však proto, abych Vám přiblížil, co teď děláme, co plánujeme, kam se bude Svobodný přístav ubírat, ale také jako ohlédnutí za pár posledními měsíci a doporučení něčeho z naší tvorby, co by podle mě nemělo zapadnout. – Urza (www.urza.cz); autor knihy Anarchokapitalismus; tvůrce Svobodného přístavu; spoluzakladatel a hlava Institutu Ludwiga von Misese; člen předsednictva Svobody učení; učitel ve svobodné škole Ježek bez klece

Any donation is greatly appreciated! 47e6GvjL4in5Zy5vVHMb9PQtGXQAcFvWSCQn2fuwDYZoZRk3oFjefr51WBNDGG9EjF1YDavg7pwGDFSAVWC5K42CBcLLv5U OR DONATE HERE: https://www.monerotalk.live/donate TODAY'S SHOW: In this episode of Monero Talk, Douglas Tuman speaks with cryptographic engineer Sean Coughlin about "Grease," his proposed layer 2 payment channel protocol for Monero. They delve into its technical design, how it compares to Bitcoin's Lightning Network, and its potential to streamline Monero transactions by enabling off-chain payments without routing complexities. Sean shares insights from MoneroKon, discusses Monero's resilience despite theoretical attack vectors, and explains how Grease aligns with upcoming upgrades like Full Chain Membership Proofs (FCMP++). He also touches on real-world use cases, wallet integration, and Grease's flexible, decentralized approach aimed at boosting Monero's usability and innovation. TIMESTAMPS: (00:03:40) Sean's background and involvement in Monero development (00:06:29) Privacy strength of Monero and resistance to chain analysis (00:10:21) Comparisons to other privacy coins (e.g., Zcash) (00:12:26) MoneroKon research papers and Eclipse attacks on nodes. (00:14:35) Discussion on Full Chain Membership Proofs (FCMP++) and its progress. (00:18:37) Clarifying Zero-Knowledge Proofs and Monero's cryptographic foundation. (00:22:11) History and capabilities of Turing-complete ZKPs in other projects. (00:26:16) Philosophy of "minimaxing" – Monero focuses only on privacy. (00:27:19) Debating if Monero needs to become Turing complete. (00:31:05) Introduction to "Grease" – Monero-compatible payment channel proposal. (00:31:42) Technical hurdles for payment channels in Monero (e.g., no transaction chaining). (00:35:01) Feasibility of Grease today vs. post-FCMP++. (00:36:38) Clarifying the benefits and use cases of Grease (instant payments, off-chain privacy). (00:39:39) Why Layer 2 doesn't conflict with Monero's scaling philosophy. (00:46:41) Grease vs. Bitcoin Lightning Network (00:56:05) Feedback from MoneroKon and Reddit – cautious optimism from developers. (01:05:39) Trade-offs: centralization vs. security in protocol design GUEST LINKS: https://x.com/seanrcoughlin Purchase Cafe & tip the farmers w/ XMR! https://gratuitas.org/ Purchase a plug & play Monero node at https://moneronodo.com SPONSORS: Cakewallet.com, the first open-source Monero wallet for iOS. You can even exchange between XMR, BTC, LTC & more in the app! Monero.com by Cake Wallet - ONLY Monero wallet (https://monero.com/) StealthEX, an instant exchange. Go to (https://stealthex.io) to instantly exchange between Monero and 450 plus assets, w/o having to create an account or register & with no limits. WEBSITE: https://www.monerotopia.com CONTACT: monerotalk@protonmail.com ODYSEE: https://odysee.com/@MoneroTalk:8 TWITTER: https://twitter.com/monerotalk FACEBOOK: https://www.facebook.com/MoneroTalk HOST: https://twitter.com/douglastuman INSTAGRAM: https://www.instagram.com/monerotalk TELEGRAM: https://t.me/monerotopia MATRIX: https://matrix.to/#/%23monerotopia%3Amonero.social MASTODON: @Monerotalk@mastodon.social MONERO.TOWN: https://monero.town/u/monerotalkAny donation is greatly appreciated!Any donation is greatly appreciated!

Listener Q&A where Andy talks about: A short explanation of bonds and "the bond market" ( 2:48 )Are actively managed bond funds better than passive bond funds ( 21:53 )What are the pros and cons of making all of the year's estimated tax payments in the first quarter ( 30:30 )Why insurers don't offer a long term care product with a 2-3 years elimination period or deductible to cover just LTC needs beyond a few years ( 34:07 )His thoughts on getting retirement income from dividends, Treasury interest and municipal bond interest ( 37:20 )Are there any advisors who specialize in working with couples where only one couple is involved in the household finances ( 42:47 )Are there any disadvantages to converting ALL pre-tax account balances to Roth ( 46:20 )Is disability income considered "earned income" and eligible to make IRA or Roth IRA contributions ( 55:30 )To send Andy questions to be addressed on future Q&A episodes, email andy@andypanko.comMy company newsletter - Retirement Planning InsightsFacebook group - Retirement Planning Education (formerly Taxes in Retirement)YouTube channel - Retirement Planning Education (formerly Retirement Planning Demystified)Retirement Planning Education website - www.RetirementPlanningEducation.com

We're getting bad news from what seems like every direction these days. Governments and media are all talking about wars and destruction. But this is not new.  We've been through these kinds of events before, too many times, and we're still here and moving forward. We can't let panic, wars and market crashes control our choices.  These thnigs happen without our input. We can control our clarity, courage and conviction to stay on course. If you've been considering planning for future extended care needs, or if you've been working on your plan, don't stop now.  Too many find a reason to pause and then forget their reasons for planning in the first place.  Then, 10 or 20 years go by, and something happens to them or someone close to them, and they restart their search. At that point, plans are much more expensive or not available due to age or health concerns. Let's work together to design your plan today and protect those you love most tomorrow. Schedule

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Hello all,    I recently had cataract surgery in both eyes, and my eyes get tired if I look at the computer too long.  I need to take breaks while recovering. Instead of discussing shared and individual LTC annuities this week, I need to share an episode that was aired last summer. This will remind you how LTC annuities can help both protect your family if you need extended care and also eliminate all those gains on your non-IRA annuities you've been holding on to because you don't want to pay more in taxes.   LTC annuities have very few health questions and are more easily approved.   Schedule with me to learn how you can avoid sharing your annuity earnings with Uncle Sam.

Any donation is greatly appreciated! 47e6GvjL4in5Zy5vVHMb9PQtGXQAcFvWSCQn2fuwDYZoZRk3oFjefr51WBNDGG9EjF1YDavg7pwGDFSAVWC5K42CBcLLv5U OR DONATE HERE: https://www.monerotalk.live/donate TODAY'S SHOW: In this episode of Monero Talk, Douglas Tuman chats with Diego Salazar (Rarar) and Luke Szramowski from Cypherstack about Full Chain Membership Proofs (FCMPs), a breakthrough that will dramatically boost Monero's privacy. Diego, a longtime Monero contributor and founder of Cypherstack, discusses Stack Wallet—an open-source, multi-platform wallet for privacy coins—and stresses the importance of user-friendly design in privacy tech. The conversation dives into FCMPs, which will expand Monero's anonymity set from around 16 to potentially every transaction ever made, with only a logarithmic increase in size. Luke, a mathematician and cryptographer, details the recent hurdles involving 'divisors'—key components that improve FCMP efficiency—and how they overcame complex security challenges to develop a secure version now under review by the Monero Research Lab. Diego ranks privacy levels across cryptocurrencies, placing current Monero at a 1, Firo's Lelantus Spark at 4, and Zcash's Halo 2 Orchard at 10. With FCMPs, he believes Monero could reach 9 or 10—on par with Zcash. The discussion also covers post-quantum cryptography as the next big frontier, with Cypherstack already exploring solutions. Despite earlier setbacks, FCMP development is back on schedule, targeting a Q1 2026 deployment pending code compatibility checks led by MRL's Justin Ehrenhofer. TIMESTAMPS: (00:01:07) Introduction of guests and their backgrounds (00:04:18) Overview of Stack Wallet and Cypherstack's work (00:07:47) Introduction to Full Chain Membership Proofs (FCMPs) (00:25:11) Technical challenges with divisors in FCMPs (00:54:05) Comparison of privacy levels between cryptocurrencies (01:15:14) Future work on post-quantum cryptography (01:36:23) Philosophical importance of privacy tools GUEST LINKS: https://x.com/thatonesalazar Purchase Cafe & tip the farmers w/ XMR! https://gratuitas.org/ Purchase a plug & play Monero node at https://moneronodo.com SPONSORS: Cakewallet.com, the first open-source Monero wallet for iOS. You can even exchange between XMR, BTC, LTC & more in the app! Monero.com by Cake Wallet - ONLY Monero wallet (https://monero.com/) StealthEX, an instant exchange. Go to (https://stealthex.io) to instantly exchange between Monero and 450 plus assets, w/o having to create an account or register & with no limits. WEBSITE: https://www.monerotopia.com CONTACT: monerotalk@protonmail.com ODYSEE: https://odysee.com/@MoneroTalk:8 TWITTER: https://twitter.com/monerotalk FACEBOOK: https://www.facebook.com/MoneroTalk HOST: https://twitter.com/douglastuman INSTAGRAM: https://www.instagram.com/monerotalk TELEGRAM: https://t.me/monerotopia MATRIX: https://matrix.to/#/%23monerotopia%3Amonero.social MASTODON: @Monerotalk@mastodon.social MONERO.TOWN: https://monero.town/u/monerotalkAny donation is greatly appreciated!

One Team One Fight.https://rumble.com/c/ThePathForward1T1F shirts -https://ltc-steven-murray.myspreadshop.com/How to find me: @Ltc_steven_mur on Twitter @LTC Steven Murray on Telegram @LTC Steven Murray on Truth SocialSubstack https://substack.com/@thepathforward25https://preppedselfreliance.substack.com/

One Team One Fight.https://rumble.com/c/ThePathForward1T1F shirts -https://ltc-steven-murray.myspreadshop.com/How to find me: @Ltc_steven_mur on Twitter @LTC Steven Murray on Telegram @LTC Steven Murray on Truth SocialSubstack https://substack.com/@thepathforward25https://preppedselfreliance.substack.com/

After reviewing planning strategies for hybrid or linked benefit LTC plans, this week we are comparing shared and individual traditional or stand-alone LTC plans. Yes, there have been rate increases on these plans, but over the last 20 years or so, traditional LTC plans have gotten much healthier.  Listen and learn how. When funding using income or on a budget, these plans can help families afford to get through an extended care need without bankrupting their loved ones.   It's easy to see that there are several ways to design and fund your long term care plan. Schedule some time to start preparing for your tomorrow  Learn what your state Medicaid program lets you keep to qualify for state Medicaid benefits (not recommended by us) View both current and projected costs of care

One Team One Fight.https://rumble.com/c/ThePathForward1T1F shirts -https://ltc-steven-murray.myspreadshop.com/How to find me: @Ltc_steven_mur on Twitter @LTC Steven Murray on Telegram @LTC Steven Murray on Truth SocialSubstack https://substack.com/@thepathforward25https://preppedselfreliance.substack.com/

Any donation is greatly appreciated! 47e6GvjL4in5Zy5vVHMb9PQtGXQAcFvWSCQn2fuwDYZoZRk3oFjefr51WBNDGG9EjF1YDavg7pwGDFSAVWC5K42CBcLLv5U OR DONATE HERE: https://www.monerotalk.live/donate TODAY'S SHOW: In this episode of Monero Talk, Douglas Tuman and Aaron Day explore the growing threat of stablecoins as a covert form of CBDC (Central Bank Digital Currency), with Aaron warning that the situation has worsened dramatically—“100 times worse than a year ago.” He critiques the Trump administration's stance, noting that despite public opposition to CBDCs, its policies are paving the way for a backdoor digital currency through stablecoin regulation. Key figures like Brian Brooks and Howard Lutnick—linked to major stablecoins and now in influential government roles—highlight what Aaron describes as a Silicon Valley and “PayPal mafia” takeover of policy. The proposed Genius Act and Stable Act would require stablecoins to be fully backed by U.S. Treasuries, effectively forcing users to fund government debt and surveillance systems. With projections of $120 trillion in stablecoin transactions by 2030, Aaron calls this “turbo cancer for CBDC adoption.” The sheer scale of these numbers underscores the urgency he sees in resisting the push toward centralized digital money. The conversation then shifts to solutions within the privacy coin space, emphasizing unity against technocratic control. Aaron highlights FUSD (Freedom Dollar), a private algorithmic stablecoin built on Zano, which offers an alternative by being over-collateralized with Zano rather than tied to government-backed assets. He discusses Zano's technical advantages, including its deflationary model, while defending its pre-mine as a necessary step for development funding. Both hosts stress the importance of collaboration across privacy projects like Monero, Tari, and Zano to resist systemic control. They also preview Porkfest, where they'll host a privacy tent and welcome Ross Ulbricht and his mother Lynn, who is launching a new advocacy initiative. TIMESTAMPS: (00:00:00) - Introduction (00:01:09) - Discussion on Fasting and Health Benefits (00:34:22) - Philosophical Perspective on Fasting and Agarism (01:05:37) - Unity in the Privacy Space and Critique of Technocracy (01:12:36) - Call for Focus on Technocratic Threats (01:21:21) - Porcfest Conference and Its Significance (01:32:23) - Personal Fasting Experiences (01:42:46) - Scientific Backing of Fasting Benefits (01:46:47) - Long-Term Vision for Fasting and Health (01:52:26) - Technical Discussion on Xeno and FUSD Integration (02:00:41) - Decentralized Finance and Future Plans (02:02:20) - Collaboration Among Privacy Coins (02:03:14) - Need for Unified Resistance Against Digital Tyranny (02:08:00) - Stablecoins and Political Manipulation (02:14:27) - Divide and Conquer Tactics of Technocrats (02:23:59) - Legal Support and Advocacy (02:26:03) - Predictions for the Future of Privacy and Crypto (02:41:00) - Legislative Challenges and the Need for Immediate Action (02:52:00) - Closing Thoughts GUEST LINKS: https://x.com/aaronrday Purchase Cafe & tip the farmers w/ XMR! https://gratuitas.org/ Purchase a plug & play Monero node at https://moneronodo.com SPONSORS: Cakewallet.com, the first open-source Monero wallet for iOS. You can even exchange between XMR, BTC, LTC & more in the app! Monero.com by Cake Wallet - ONLY Monero wallet (https://monero.com/) StealthEX, an instant exchange. Go to (https://stealthex.io) to instantly exchange between Monero and 450 plus assets, w/o having to create an account or register & with no limits. WEBSITE: https://www.monerotopia.com CONTACT: monerotalk@protonmail.com ODYSEE: https://odysee.com/@MoneroTalk:8 TWITTER: https://twitter.com/monerotalk FACEBOOK: https://www.facebook.com/MoneroTalk HOST: https://twitter.com/douglastuman INSTAGRAM: https://www.instagram.com/monerotalk TELEGRAM: https://t.me/monerotopia MATRIX: https://matrix.to/#/%23monerotopia%3Amonero.social MASTODON: @Monerotalk@mastodon.social MONERO.TOWN: https://monero.town/u/monerotalk

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Anna & Marty compare shared hybrid life/LTC plans with separate LTC plans for each of them. It's a matter of preference and goals. The LTC and death benefit are directly related, so plans with higher LTC benefits have larger death benefits.  The death benefit acts as a return of premium if care isn't needed. The key differences in shared and individual plans is who can use the LTC benefits and for how long, who can be beneficiary, and when does the death benefit pay? Listen and learn how these plans differ and what Anna and Marty decided. Schedule an initial free consultation View current and projected costs of care where you live Learn what your state's Medicaid system lets us keep and receive care  Estimate rates for 6 year plans with 3% inflation growth Many don't want a full 6 year benefit period, so please understand that smaller plans have lower rates.

One Team One Fight.Build Resilient Communitieshttps://rumble.com/c/ThePathForward1T1F shirts -https://ltc-steven-murray.myspreadshop.com/How to find me: @Ltc_steven_mur on Twitter @LTC Steven Murray on Telegram @LTC Steven Murray on Truth SocialSubstack https://substack.com/@thepathforward25https://preppedselfreliance.substack.com/

Odat: Orbital Drop Armor Team by Ltc(r) Alexander R Armor Ca Tambascia Amazon.com Are you ready to embark on a thrilling journey through the pages of a Military SciFi series that will take you to the edge of your seat? Look no further than "ODAT: Orbital Drop Armor Team" - a story unlike any other in the genre. Based on the personal experiences of a US Army Armor CAV Officer, this series is a gripping account of his time in KFOR/SFOR, OEF, and OIF. But here's the twist - it's all written as science fiction! Buckle up and get ready to immerse yourself in a world of action, adventure, and futuristic warfare. This series is not your typical military SciFi story - it's a true account transformed into a captivating and imaginative tale that will leave you wanting more. With the same spirit as Kurt Vonnegut's autobiography, this series is a must-read for fans of the genre. Don't miss out on the latest news and updates from the author - sign up for the newsletter today! You'll be the first to know about upcoming releases and exclusive content. So what are you waiting for? Dive into the world of "ODAT: Orbital Drop Armor Team" and enjoy the ride!