Podcasts about LTC

Most families think long-term care is a nursing home problem.In reality, it's a financial problem that can slowly drain retirement accounts, investments, and even force the sale of family farmland. In this episode of the Farming Without the Bank Podcast, Mary Jo sits down with long-term care expert Michelle Prather, who brings nearly three decades of experience helping families understand how care is actually funded. They unpack the real costs of long-term care, why averages are misleading, and how many financial plans fail when care becomes necessary. If protecting the farm and maintaining financial control is important to your family, this conversation will change how you think about long-term care planning. Michelle shares why long-term care planning is about cash flow, not just assets, and how pulling money from retirement accounts to pay for care can create unexpected tax consequences. They also discuss how care really happens inside families — the emotional strain, financial pressure, and difficult decisions that arise when a parent needs help. You'll learn why working with a specialist matters, how modern long-term care policies actually function, and why proper planning gives families more options when the unexpected happens. Key Takeaways: • Why averages like "2–3 years in a nursing home" can be dangerously misleading • The real cost of in-home care, assisted living, and nursing facilities • How long-term care creates a cash-flow problem, not just an asset problem • Why retirement withdrawals for care can trigger higher taxes and Medicare costs • The emotional and financial strain caregiving places on families • The difference between limited benefit policies and lifetime coverage • How long-term care planning helps protect farms and generational wealth Chapters: 00:00 The hidden reality of elder fraud and family caregiving 00:52 Introduction to long-term care planning 02:24 Michelle Prather's 28-year career in long-term care 07:27 Why specialization in long-term care matters 11:46 The problem with most financial advisors selling LTC 14:10 A real story of a long-term care plan gone wrong 18:01 Why "averages" in long-term care are misleading 21:00 The real cost of care and retirement income pressure 26:59 Why paying for care from investments triggers taxes 30:39 Home care vs nursing home costs 35:22 Family conflict and caregiving realities 41:20 What long-term care policies actually pay for 46:15 Elder abuse, fraud, and insurance safeguards 48:30 The biggest differences between LTC policies 52:10 Why long-term care can destroy a financial plan

Retirement income planning isn't just about withdrawal rates, portfolio construction, or tax strategies. For many retirees, the hardest part of retirement is psychological, not mathematical. Richard Rosso & Jonathan McCarty explore the psychology behind retirement spending decisions, including why retirees frequently leave large amounts of wealth unused and how behavioral finance shapes income planning. Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP, w Senior Investment Advisor, Jonathan McCarty, CFP Produced by Brent Clanton, Executive Producer 0:00 - INTRO 0:19 - Turmoil in Markets & The Math of Retirement 6:28 - Retirees Chronically Under-spend 9:42 - Longevity Risk & LTC 11:21 - Looking at Guardrails & Switching Lanes in Retirement 14:20 - Not much is working - doing mental accounting 17:24 - Legacy vs Consumption conflict 20:20 - Healthcare Uncertainty & Insurance 24:17 - Candid Coffee Preview 29:15 - Tax Strategies for Retirement 32:29 - Accumulation vs De-cumulation planning 34:21 - What Will You Do IN Retirement 38:45 - What % of Working-Age Income is Used in Retirement 43:05 - Johnny Cash in Nickajack Cave ------- Register for our next Candid Coffee, 3/21/26, and Ask Us Anything: https://realinvestmentadvice.com/resources/events/ask-us-anything/ ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/0J1dQZvIQrQ ------- Watch our previous show, "The “Value Rotation” Illusion," https://youtube.com/live/jW9UWP7WdZY?feature=share ------- Articles Mentioned in Today's Show: "Technical Deterioration: Risk Management Is Key" https://realinvestmentadvice.com/resources/blog/technical-deterioration-an-analysis-of-the-markets-next-move/ "True Value: Looking Through The Value Rotation Illusion" https://realinvestmentadvice.com/resources/blog/true-value-looking-through-the-value-rotation-illusion/ -------- The latest installment of our new feature, Before the Bell, "Markets Reclaim 100-DMA," is here: https://youtu.be/MntZ-KayzxA ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #RetirementPlanning #RetirementIncome #BehavioralFinance #FinancialPlanning #InvestorPsychology

Mike Harris joins us to talk about the New England Firearms Advocacy Conference, news, and MA's last-minute mishandling of the new LTC training requirements.

One Team One Fight.Rumble:https://rumble.com/c/ThePathForwardhttps://rumble.com/c/LTCStevenMurrayRSS:https://rss.com/podcasts/ltcstevenmurray/Locals:https://locals.com/thepathforward/feedHow 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/How to find the RoundTable guysWestern Shooters:https://westernrifleshooters.blogspot.com/Bill Buppert Chasing Ghosts Podcasthttps://cgpodcast.substack.com/Joe Dolio tactical Wisdomtacitcal-wisdom.comhttps://www.amazon.com/stores/Joe-Dolio/author/B09K9MRDVP?ref=ap_rdr&shoppingPortalEnabled=true&ccs_id=210869d3-707c-40b0-ad6a-0d2016010342Matt Brackens Bookshttps://enemiesforeignanddomestic.com/Kris at Combat Studies Grouphttps://combatstudiesgroup.blogspot.com/?m=1

One Team One Fight.Rumble:https://rumble.com/c/ThePathForwardhttps://rumble.com/c/LTCStevenMurrayRSS:https://rss.com/podcasts/ltcstevenmurray/Locals:https://locals.com/thepathforward/feedHow 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/How to find the RoundTable guysWestern Shooters:https://westernrifleshooters.blogspot.com/Bill Buppert Chasing Ghosts Podcasthttps://cgpodcast.substack.com/Joe Dolio tactical Wisdomtacitcal-wisdom.comhttps://www.amazon.com/stores/Joe-Dolio/author/B09K9MRDVP?ref=ap_rdr&shoppingPortalEnabled=true&ccs_id=210869d3-707c-40b0-ad6a-0d2016010342Matt Brackens Bookshttps://enemiesforeignanddomestic.com/Kris at Combat Studies Grouphttps://combatstudiesgroup.blogspot.com/?m=1

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 -------- Ondřej Kališ mě po mailu vyzval k diskusi o státu (respektive liberální demokracii) a anarchii (respektive ankapu); rozebírali jsme různé okrajové případny a scénáře kolapsu státu i bezstátní společnosti – celý rozhovor se točil kolem (de)centralizace. Po natáčení mi Ondra řekl, že je sice stále liberálním demokratem, nicméně si pohrává s anarchistickými myšlenkami, v čemž ho tento rozhovor prý zase o něco posunul, za což jsem opravdu rád; doufám, že neschytá bídu v komentářích xD – Ondřej Kališ; bývalý Pirát; původně liberální demokrat, v současné době koketuje s anarchismem; příznivec sebeřízení – 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

Chcete-li podpořit Svobodný přístav, můžete tak učinit v krypto i korunách! Pravidelná podpora a LN: https://opristavu.urza.cz/ BTC: bc1qqs0sutxykl5h97xa0fcu4qaptvkvq5ecm52qn9 LTC: ltc1qpcnumcpvx2a77p0shkxwawc555nepy25l0n090 Číslo účtu: 2201359764/2010; variabilní symbol: 6 -------- Lukáš Pazderník je dlouhodobým podporovatelem (a občasným autorem i komentátorem) Svobodného přístavu; mám rád jeho způsob uvažování i naše společné diskuse – s radostí jsem tedy přijal další pozvání do Hovorů o anarchii – tentokrát v LibertyLoftu. Lukáš se mnou udělal hezký rozhovor k nové knize; mluvili jsme i o mých vnitřních démonech, seberozvoji a dalších tématech, které miluji, tvoří můj život, ale přesto jsou pro mě opravdu těžké. Atmosféra v LibertyLoftu mi byla moc příjemná; díky. – Lukáš Pazderník; anarchista; voluntarista; filozof; podporovatel (a občasný autor i komentátor) Svobodného přístavu – 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, host Douglas Tuman interviews Ray Youssef, who recounts his dramatic arrest at a crypto conference and discusses the U.S. government's case against him following his work building the peer-to-peer Bitcoin marketplace Paxful. Youssef argues that regulators targeted him for helping grow the global P2P crypto economy, describing secret indictments, compliance struggles, and what he views as an effort to criminalize decentralized financial tools. The conversation explores the broader implications for cryptocurrency innovation, financial freedom, and privacy—especially within the Monero community—while also veering into Youssef's personal philosophy, faith, and his belief that building alternative financial systems is key to resisting centralized control. TIMESTAMPS: (00:01:22) - Recounting the shocking moment Ray was taken by agents right after his speech at the Monerotopia conference in Mexico. (00:03:40) - Ray describes his deportation to the U.S. and details the "absurd" charges against him. (00:17:10) - Ray's belief of why he is being targeted: his work helping unbanked populations use peer-to-peer crypto. (00:30:00) - Ray's thoughts on spirituality and monotheistic faith (specifically Islam). (00:44:15) - Ray discusses his belief in the importance of the "FMM" (Financial, Monetary, Media) pillars, the power of prayer and his current mission. (01:02:00) - Ray shares details about his various projects, including a video game, a fashion line, and his deep dive into water science. (01:11:00) - Closing remarks and Ray's message for the audience. GUEST LINKS: https://x.com/ray_noOnes Purchase Cafe & tip the farmers w/ XMR! https://gratuitas.org/ 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!

One Team One Fight.Rumble:https://rumble.com/c/ThePathForwardhttps://rumble.com/c/LTCStevenMurrayRSS:https://rss.com/podcasts/ltcstevenmurray/Locals:https://locals.com/thepathforward/feedHow 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/How to find the RoundTable guysWestern Shooters:https://westernrifleshooters.blogspot.com/Bill Buppert Chasing Ghosts Podcasthttps://cgpodcast.substack.com/Joe Dolio tactical Wisdomtacitcal-wisdom.comhttps://www.amazon.com/stores/Joe-Dolio/author/B09K9MRDVP?ref=ap_rdr&shoppingPortalEnabled=true&ccs_id=210869d3-707c-40b0-ad6a-0d2016010342Matt Brackens Bookshttps://enemiesforeignanddomestic.com/Kris at Combat Studies Grouphttps://combatstudiesgroup.blogspot.com/?m=1

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 -------- D-FENSův weblog čtu asi dvacet let, z čehož více než patnáct na něj i píšu; za tu dobu jsem se stihl seznámit s jeho tvůrcem. Ne ve všem se s ním shodnu a náš přístup k životu se v lecčems liší; pojí nás však neposlušnost státu a úřadům. Moc mě potěšilo, když přijal mé pozvání do březnového livestreamu, kde budeme rozebírat, jak (ne)mluvit s policajty; navážeme na úspěšnou listopadovou přednášku, v níž mimo jiné zazněla nepřesnost, již uvedeme na pravou míru. – Petr D-FENS Jaroš (www.dfens-cz.com); obhájce slabých a nevinných proti policii a úřadům; bojovník za svobodu; expert na dopravu; blogger – 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

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 -------- Darkry mě moc potěšil, že mě vzal (znovu) do svého pořadu; ale ještě větší radost mi udělalo, že se mnou celou dobu rozebíral vznikající knihu Anarchoagorismus. Cením si jeho přístupu zejména proto, že sám není anarchista a někdy dostává bídu, že se baví s „extrémistou“. Nepřekvapivě jsme se zabývali především otázkami souvisejícími se vzděláváním (a školstvím), jimž se zevrubně věnuji v první části knihy; myslím, že se však podařilo dobře popsat a předat její celé poselství. Děkuju moc, Darkry. https://www.startovac.cz/projekty/anarchoagorismus – Darkry; začínající učitel; vývojář; grafik; spisovatel; vypravěč; bavič; youtuber (‪@Darkry‬, ‪@ZOOVymřelin‬) – 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

One Team One Fight.Rumble:https://rumble.com/c/ThePathForwardhttps://rumble.com/c/LTCStevenMurrayRSS:https://rss.com/podcasts/ltcstevenmurray/Locals:https://locals.com/thepathforward/feedHow 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/How to find the RoundTable guysWestern Shooters:https://westernrifleshooters.blogspot.com/Bill Buppert Chasing Ghosts Podcasthttps://cgpodcast.substack.com/Joe Dolio tactical Wisdomtacitcal-wisdom.comhttps://www.amazon.com/stores/Joe-Dolio/author/B09K9MRDVP?ref=ap_rdr&shoppingPortalEnabled=true&ccs_id=210869d3-707c-40b0-ad6a-0d2016010342Matt Brackens Bookshttps://enemiesforeignanddomestic.com/Kris at Combat Studies Grouphttps://combatstudiesgroup.blogspot.com/?m=1

In this LP Deal Review, Chris Lopez and LP panelist Christy Burakovsky sit down with Michael Episcope, Co-CEO of Origin Investments, for a deep dive into Origin's Select Asset Fund—an intentionally small, vintage-based multifamily development fund built to deploy in 2026. Michael walks through the macro thesis (supply peaking, concessions stabilizing, and starts slowing), the fund's structure (targeting five shovel-ready ground-up deals, four-year duration, and an option to continue holding for long-term compounding), and the underwriting guardrails designed to protect downside in a still-volatile environment. The panel then presses into the details that matter most to LPs: entitlement risk, leverage and loan structure, how Origin avoids “rescue capital,” how the 2021 vintage fund is performing today, and how Origin's co-invest program works—including potential pathways for group allocations and better terms. Key Takeaways Fund design: $100M, focused on 2026 ground-up multifamily development with a four-year duration and optional continuation for long-term hold Risk mitigation: shovel-ready entitlements, conservative leverage (~65% LTC), and a structure aimed at avoiding cross-collateralization and hidden fund-level risk Co-invest mechanics: $500K+ fund minimum with 1:1 co-invest eligibility (no fee/no carry), and discussion of potential pooled/group pathways Vintage reality check: how Origin's 2021 development fund is performing today (single digits) and what that implies about underwriting discipline in tough vintages Sourcing + operations: Origin's multi-office footprint, repeat development partners, and a highly active asset management playbook to drive performance post-delivery Disclaimer The content of this podcast is for informational purposes only. All host and participant opinions are their own. Investment in any asset, real estate included, involves risk. Nothing here is investment, tax, legal, or financial advice; consult qualified professionals. Past performance is not indicative of future results. This podcast may include paid advertisements or promotional materials and should not be interpreted as a recommendation or endorsement by PassivePockets, LLC or affiliates. Conduct your own due diligence and consider your financial situation before engaging with any offering discussed. PassivePockets, LLC disclaims all liability for any actions taken based on the information presented.

In this episode of Framework Focus, Dr. Dae Lee breaks down the regulatory and reimbursement shifts reshaping long-term care (LTC) pharmacy. With the Inflation Reduction Act (IRA) moving from policy theory to operational reality, Medicare's Maximum Fair Price (MFP) program, Part D redesign, and inflation rebate enforcement are now active forces that LTC operators must navigate. This conversation moves beyond headlines and into real-world implications: cash flow risk, administrative burden, contracting exposure, and strategic readiness for closed-door and combo LTC pharmacies. Key Discussion Points Medicare Drug Price Negotiation Is Now Operational  The IRA authorizes Medicare to negotiate prices for certain high-spend Part D drugs, with the first 10 Maximum Fair Prices (MFPs) effective January 1, 2026. This marks a structural shift in federal drug pricing and directly impacts LTC dispensing economics. Maximum Fair Price and LTC Reimbursement Compression  MFP caps reimbursement on selected drugs, creating potential margin compression if acquisition costs and payment timing are misaligned. For LTC pharmacies operating on tight spreads and high-volume chronic utilization, even small deltas can materially affect profitability. Medicare Transaction Facilitator (MTF) and Payment Timing Risk  The MTF system introduces new payment mechanics between manufacturers, plans, and pharmacies. LTC pharmacies must understand how effectuation and reconciliation work, particularly if payment timing differs from traditional Part D adjudication flows. Cash flow modeling becomes essential. Administrative Complexity and Claims Reconciliation  Identifying which NDCs are subject to MFP, managing claim reversals, handling price disputes, and monitoring plan-level compliance will increase administrative workload. LTC pharmacies will need structured internal workflows to prevent reimbursement leakage. Dispensing Fees and the LTC Service Intensity Problem  Unlike retail, LTC pharmacy includes compliance packaging, emergency kits, cycle fills, consultant pharmacist oversight, and regulatory documentation. Current IRA implementation does not automatically adjust dispensing or supply fees to reflect this complexity, raising sustainability concerns. Congressional Efforts to Stabilize LTC Pharmacy  Legislative proposals such as the Preserving Patient Access to LTC Pharmacies Act aim to create supply fee protections tied to MFP drugs. The episode explores whether policy corrections are likely — and how quickly DC can realistically respond. Expansion of Negotiated Drug Lists  The initial 10 negotiated drugs are only the beginning. Additional rounds of negotiation are underway, expanding exposure across more therapeutic classes. LTC pharmacies must treat MFP as a growing structural feature — not a limited pilot. Part D Redesign and the $2,100 Out-of-Pocket Cap  Beginning in 2026, the redesigned Part D benefit changes liability distribution among plans, manufacturers, and CMS. The new out-of-pocket cap alters plan incentives and may lead to tighter utilization management, formulary shifts, and network recalibration — all of which LTC pharmacies must monitor closely. Inflation Rebates and Market Distortion  The IRA's inflation rebate provisions penalize manufacturers for price increases above inflation benchmarks. While not directly adjudicated at the pharmacy counter, these provisions influence manufacturer pricing strategy, launch pricing behavior, and downstream PBM negotiations — indirectly affecting LTC acquisition costs. Strategic Readiness as a Competitive Advantage  The episode concludes with practical recommendations:  • Conduct an MFP exposure audit across top-dispensed NDCs  • Reassess PBM contracts and network participation clauses  • Model cash flow under delayed reimbursement scenarios  • Educate facility partners on regulatory changes  • Build internal compliance tracking specific to negotiated drugs Why This Matters Now For LTC pharmacies, this is not simply a policy conversation — it is a structural shift in reimbursement architecture. As federal oversight expands and pricing authority evolves, operational precision and legal literacy will define which organizations adapt successfully. About our guest:  Dr. Dae Lee, Pharm.D, Esq., CPBS  Shareholder - Buchanan Ingersoll & Rooney PC  Email: dae.lee@bipc.com  Dae Y. Lee is a pharmacist-attorney and Certified Pharmacy Benefits Specialist™ (CPBS™) who represents pharmacies, healthcare stakeholders, and plan sponsors in high-stakes disputes and regulatory matters involving Pharmacy Benefit Managers (PBMs) and government payors. Drawing on his dual training as a pharmacist and attorney, Dae focuses his practice on defending clients in audits, investigations, enforcement actions and complex reimbursement and compliance matters. Dae routinely represents pharmacies nationwide in PBM and payor audits, including Fraud, Waste and Abuse (FWA) investigations, extrapolation disputes, overpayment recoupments, credentialing denials, network suspensions and terminations. He advises pharmacies on compliance with applicable state pharmacy fair audit laws, PBM provider manuals, and reimbursement standards, with the goal of minimizing financial exposure while preserving network participation and business continuity.

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 -------- Díl Pro a proti na téma zákazu sociálních sití dětem pod patnáct či šestnáct let krásně ilustruje spoustu důvodů, proč tvořím; je v něm snad všechno – adultismus, zákazy, zásahy do soukromí, totalitarizace společnosti – pod rouškou „objektivity“ a „vyváženosti“ veřejnoprávních médií, jež si všichni musíme platit. Je mi jasné, že to nikdy nebudu schopen vyvážit; přesto dělám, co můžu. Pomůžete mi bojovat s větrnými mlýny, prosím? Jakkoliv to může vypadat (celospolečensky) beznadějně, výsledky na individuální úrovni jsou dle mé zkušenosti působivé: https://www.startovac.cz/projekty/anarchoagorismus – 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

Book a call: https://remnantfinance.com/calendar ! Out Print the Fed with 1% per week: https://remnantfinance.com/optionsEmail us at info@remnantfinance.com or visit https://remnantfinance.com for more informationFOLLOW REMNANT FINANCEYoutube: @RemnantFinance (https://www.youtube.com/@RemnantFinance )Facebook: @remnantfinance (https://www.facebook.com/profile.php?id=61560694316588 )Twitter: @remnantfinance (https://x.com/remnantfinance )TikTok: @RemnantFinanceDon't forget to hit LIKE and SUBSCRIBE_____________________________Most people don't think about long-term care until they're forced to and by then, it's often too late to get coverage. The statistics are stark: there's a 68% chance any American will need long-term care at some point, and for couples, that number jumps to nearly 90%. Yet most families never have the conversation until a health event forces their hand.In this episode, Hans sits down with Travis McBride — fellow Navy helicopter pilot turned insurance strategist — to break down everything you need to know about long-term care planning.Chapters: 00:00 – Opening segment 02:35 – Travis's background04:50 – What the brokerage does and who they serve 13:40 – Long-term care 101: statistics and why it matters 16:45 – The three ways to fund long-term care 17:20 – Traditional LTCI: how it works and the use-it-or-lose-it problem 18:50 – How carriers mispriced policies in the 90s and 2000s 24:10 – The premium increase trap: stuck and uninsurable 25:20 – Are the premiums guaranteed? 35:05 – Life insurance with an LTC rider38:50 – The six activities of daily living explained 43:05 – Hybrid/asset-based policies: repositioning vs. spending 45:15 – How leverage works inside a hybrid policy 52:30 – Reimbursement vs. cash indemnity55:45 – Who should be thinking about this and when 1:01:25 – What Medicare actually covers and what it doesn't 1:07:15 – The Washington State payroll tax 1:16:25 – How to connect with Travis Key Takeaways:Ask one question before signing anything: are the premiums guaranteed? Traditional long-term care policies were mispriced in the 90s and early 2000s, and carriers have been sending premium increase notices ever since. Know how your benefits are paid before you need them. Reimbursement policies require receipts and ongoing claims filings every month. Cash indemnity policies cut you a check once you qualify and let you use it however you want.Self-insuring isn't insurance — it's just liquidation. Having enough assets to cover a long-term care event sounds like a plan until you run the math. A nursing facility in Southern California runs $6,000 to $15,000 a month, and that's today's cost. Hybrid policies reposition assets — they don't just spend them. Unlike traditional LTCI where premiums vanish if you never file a claim, hybrid linked-benefit policies give you liquidity, control, and a residual death benefit. The best time to have this conversation is before someone needs to. The sweet spot for getting coverage is 45 to 60, when you're still healthy enough to qualify and premiums haven't become prohibitive. By 65, you're entering the game late. 

Links mentioned in show:Membership Website Learn More At: https://clinicalnutritioncentral.comResearch Article: https://longtermcarerd.com/research-tube-feeding/In long term care, few topics spark more debate than tube feeding (PEG tubes) for residents with advanced dementia. Families often push for it out of fear and love, physicians may default to it, but what does the latest evidence actually say?In this episode, Michelle Saari, MS, RD breaks down recent research including eye opening 2025-2026 reviews showing tube feeding frequently brings more burden than benefit. We'll cover why tubes don't meaningfully extend survival, improve nutrition, or prevent complications like aspiration pneumonia or pressure ulcers... and often add risks like infections, restraints, and reduced quality of life.You'll walk away with:Key stats and myths to bust in care conferencesEthical charting tips Practical alternatives: comfort-focused hand-feeding, high-calorie/protein oral strategies, and palliative approaches that honor dignityPerfect for RDs navigating these tough cases weekly. Ready to advocate more confidently?Listen now and check the show notes for links to Michelle's blog post ("New Research Explores Tube Feeding in Advanced Dementia: More Burden Than Benefit?") and free resources at longtermcarerd.com.If you're loving these practical tips, rate/review the podcast and join Clinical Nutrition Central for monthly support and tools tailored to LTC dietitians.

One Team One Fight.Rumble:https://rumble.com/c/ThePathForwardhttps://rumble.com/c/LTCStevenMurrayRSS:https://rss.com/podcasts/ltcstevenmurray/Locals:https://locals.com/thepathforward/feedHow 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/How to find the RoundTable guysWestern Shooters:https://westernrifleshooters.blogspot.com/Bill Buppert Chasing Ghosts Podcasthttps://cgpodcast.substack.com/Joe Dolio tactical Wisdomtacitcal-wisdom.comhttps://www.amazon.com/stores/Joe-Dolio/author/B09K9MRDVP?ref=ap_rdr&shoppingPortalEnabled=true&ccs_id=210869d3-707c-40b0-ad6a-0d2016010342Matt Brackens Bookshttps://enemiesforeignanddomestic.com/Kris at Combat Studies Grouphttps://combatstudiesgroup.blogspot.com/?m=1

Pokud se vám přednáška líbila a shledáváte ji hodnotnou, prosím, pošlete dobrovolný příspěvek v krypto či korunách! Pravidelná podpora a LN: https://opristavu.urza.cz/ BTC: bc1qqs0sutxykl5h97xa0fcu4qaptvkvq5ecm52qn9 LTC: ltc1qpcnumcpvx2a77p0shkxwawc555nepy25l0n090 Číslo účtu: 2201359764/2010; variabilní symbol: 5 -- SEK3 napsal: „Agora, anarchy, action!“ Ke mně během psaní knihy o anarchoagorismu přišlo: „Svoboda, sebeřízení, seberozvoj, sdílení!“ A když říkám, že se tak stalo během psaní knihy, vlastně tím mluvím o procesu, který ve mně probíhá celý život; až teď se mi jej podařilo popsat několika slovy, za nimiž se skrývá syntéza různých vědomostí a dovedností, jimž jsem se celý život učil, protože mě lákaly a fascinovaly, aniž jsem (na vědomé úrovni) chápal jejich souvislosti. Něco v mém nitru však řídilo mé kroky až do bodu, z něhož jsem tyto souvislosti dokázal uvidět – a následně i popsat. Rád bych toto poznání sdílel na únorové přednášce z cyklu anarchokapitalismus; o souvislostech mezi sebeřízením a svobodou jsem řekl už dost, nicméně rád bych se zabýval i seberozvojem a v neposlední řadě také tím, proč snižování transakčních nákladů přenosu informací vede ke svobodě, což je dalším důvodem, proč mi dává větší smysl hledat pravdu než přesvědčovat lidi. Prezentace: https://prednasky.urza.cz/ll/ – 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

The podcast makes its fifth visit to Wisconsin. UIAAA Connection #269 – Kyle LeMieux, CMAA, Associate Principal and Director of Athletics – West Waukesha High School - is now available. Kyle grew up in Mukwonago, Wisconsin, graduating from the local high school as a four-sport athlete. After completing studies at the University of Wisconsin, he spent time as a minister before transitioning into public education. Kyle shares success mentoring coaches, noting that only five of 120 coaches in his building hold teaching positions. He co-authored LTC 708, Coaching Coaches for aLegacy of Leadership, and taught the course for the first time at the NIAAA Conference in Tampa. Now serving as President-Elect of the Wisconsin Athletic Directors Association, Kyle looks ahead with optimism. His advice emphasizes building relationships, listening well, and creating systems that fit your school and leadership style. This podcast is also available on Amazon Music, Apple Podcasts, Breaker, Castbox, Google Podcasts, iHeartRadio, Overcast, Pocket Casts, RadioPublic, Spotify, Stitcher, and YouTube.

One Team One Fight.Rumble:https://rumble.com/c/ThePathForwardhttps://rumble.com/c/LTCStevenMurrayRSS:https://rss.com/podcasts/ltcstevenmurray/Locals:https://locals.com/thepathforward/feedHow 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/How to find the RoundTable guysWestern Shooters:https://westernrifleshooters.blogspot.com/Bill Buppert Chasing Ghosts Podcasthttps://cgpodcast.substack.com/Joe Dolio tactical Wisdomtacitcal-wisdom.comhttps://www.amazon.com/stores/Joe-Dolio/author/B09K9MRDVP?ref=ap_rdr&shoppingPortalEnabled=true&ccs_id=210869d3-707c-40b0-ad6a-0d2016010342Matt Brackens Bookshttps://enemiesforeignanddomestic.com/Kris at Combat Studies Grouphttps://combatstudiesgroup.blogspot.com/?m=1

One Team One Fight.Rumble:https://rumble.com/c/ThePathForwardhttps://rumble.com/c/LTCStevenMurrayRSS:https://rss.com/podcasts/ltcstevenmurray/Locals:https://locals.com/thepathforward/feedHow 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/How to find the RoundTable guysWestern Shooters:https://westernrifleshooters.blogspot.com/Bill Buppert Chasing Ghosts Podcasthttps://cgpodcast.substack.com/Joe Dolio tactical Wisdomtacitcal-wisdom.comhttps://www.amazon.com/stores/Joe-Dolio/author/B09K9MRDVP?ref=ap_rdr&shoppingPortalEnabled=true&ccs_id=210869d3-707c-40b0-ad6a-0d2016010342Matt Brackens Bookshttps://enemiesforeignanddomestic.com/Kris at Combat Studies Grouphttps://combatstudiesgroup.blogspot.com/?m=1

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 -------- Nelu Bugárovou jsem náhodou potkal, když jsme s Timem slavili svátek demokracie 17. listopadu na Národní třídě s anarchistickými cedulemi; zapovídali jsme se o svobodě a KLDR, což vyústilo k mému pozvání Nely do Studia, jež k mé radosti přijala. Mluvili jsme o korejské historii; ta zahrnuje nejen tu Severní, ale také Jižní. Z poměrů v minulosti jsme odvodili, jak se Kim Ir-sen dostal k moci a proč ho Korejci tolik milovali; postupně jsme se dostali až k současnosti, v níž se severokorejský režim takové důvěře už netěší. – Nela Bugárová; koreanistka; studentka gymnázia; hledačka pravdy; feministka – 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

One Team One Fight.Rumble:https://rumble.com/c/ThePathForwardhttps://rumble.com/c/LTCStevenMurrayRSS:https://rss.com/podcasts/ltcstevenmurray/Locals:https://locals.com/thepathforward/feedHow 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/How to find the RoundTable guysWestern Shooters:https://westernrifleshooters.blogspot.com/Bill Buppert Chasing Ghosts Podcasthttps://cgpodcast.substack.com/Joe Dolio tactical Wisdomtacitcal-wisdom.comhttps://www.amazon.com/stores/Joe-Dolio/author/B09K9MRDVP?ref=ap_rdr&shoppingPortalEnabled=true&ccs_id=210869d3-707c-40b0-ad6a-0d2016010342Matt Brackens Bookshttps://enemiesforeignanddomestic.com/Kris at Combat Studies Grouphttps://combatstudiesgroup.blogspot.com/?m=1

https://ltcrfp.com/book-appointmentChoosing the right LTC pharmacy affects costs and care quality. Learn how an RFP process helps nursing homes negotiate better contracts and cut expenses. LTCRFP City: Vestal Address: 117 Rano Blvd Website: https://ltcrfp.com Email: assist@ltcrfp.com

Retirement decisions don't often happen in isolation—they're shaped by markets, policy shifts, career trends, and personal trade-offs. In this episode of the Retire Sooner Podcast, Wes Moss and Christa DiBiase translate timely financial headlines into practical retirement planning considerations. • Assess cash-flow strategies for small business owners, including how Roth IRA contribution rules may create flexibility. • Interpret the latest U.S. jobs report and education-level unemployment trends to help frame portfolio and career decisions. • Evaluate small-cap and value stock performance after years of lagging returns within a diversified allocation. • Examine why savings account rates may trail broader interest rate moves and what that can mean for cash positioning. • Compare long-term care insurance with self-funding approaches, including planning implications tied to Washington State's LTC program. • Review 457 and 403(b) rollover considerations and clarify how early Social Security benefits are calculated. • Measure total investment results by factoring in dividends and interest income—not just price changes. Explore retirement planning considerations through balanced, long-term thinking grounded in real data and real scenarios. Listen and subscribe to the Retire Sooner Podcast to stay aligned with today's evolving financial landscape. 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/Locals:https://locals.com/thepathforward/feed1T1F 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/How to find the RoundTable guysWestern Shooters:https://westernrifleshooters.blogspot.com/Bill Buppert Chasing Ghosts Podcasthttps://cgpodcast.substack.com/Joe Dolio tactical Wisdomtacitcal-wisdom.comhttps://www.amazon.com/stores/Joe-Dolio/author/B09K9MRDVP?ref=ap_rdr&shoppingPortalEnabled=true&ccs_id=210869d3-707c-40b0-ad6a-0d2016010342Matt Brackens Bookshttps://enemiesforeignanddomestic.com/Kris at Combat Studies Group - GunFighter Coursehttps://combatstudiesgroup.blogspot.com/?m=1

I get so many calls from families trying to find caregiving support answers for their older parent or relative. They've reached a point where they are overwhelmed and need help providing for their loved one. This is not the time to look for insurance. The choices are limited and have higher costs because at age 75 or 80, we're close to or at the age when the insurance companies think we'll open a claim. That parent should have considered LTC funding options at 50 or 55. But 50 and 55 year olds too often believe we'll be in the same health mentally and physically at 75 or 80, and that's usually not the case. We need to plan for this WAY before that need shows up. Parents who waited too long must encourage their kids to plan now so this doesn't turn into a never ending cycle of kids spending all of their time and money providing for parents and then not being able to provide for themselves later, depending on their kids' time and money, etc. I promised links to learn more about Medicaid. This link shows what each state let's us keep to be financially eligible for Medicaid benefits: What your state let's you keep This link shares how each state qualifies an individual for Medicad benefits: Elder Law Answers Schedule with me here to start working on your plan to protect your family, assets and choices and avoid being told where to live by the state.

Struggling with PES statements for unintentional weight loss, malnutrition, or geriatric challenges in LTC/SNF? In this episode, Michelle Saari, MS, RD breaks down common pitfalls, shares a simple step-by-step framework, provides 15 real-world examples tailored to seniors, and offers mindset tips to stop overthinking. Discover practical goals, interventions (like fortification, adaptive feeding, and between-meal supplements), and monitoring plans used daily in long-term care.Get started with the free PES guide at https://longtermcarerd.com/Ready for more time-saving tools? Join Clinical Nutrition Central NOW for exclusive PES templates, cheat sheets, sample chart notes, webinars, and a private community—before prices increase on March 1, 2026! Current rates: $19.95/month or $199.95/year (2 months free on annual). Sign up at https://clinicalnutritioncentral.comSubscribe for more evidence-based LTC nutrition tips! Hosted by Michelle Saari, MS, RD—your go-to expert for senior nutrition.

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 -------- Jindřicha Stirada jsem potkal na jedné z akcí #ne_poslušnosti, kde mi povídal o své práci u soudu; tehdy ještě s tím, že o tom nemůže mluvit veřejně – to posléze přehodnotil s rozhodnutím o odchodu a podáním výpovědi. Řešili jsme státní neefektivitu od drobného rozkrádání majetku přes nesmyslné utrácení evropských peněz až po nehospodárné využívání předražených budov v centru Prahy; kde chybí ekonomická kalkulace, motivace nic nevyřeší – jenže tady není ani ta motivace. – Jindřich Stirad; anarchokapitalista; zakládající člen Voluntie; sledující Svobodného přístavu; pracovník v IT oddělení u soudu – 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

One Team One Fight.Rumble:https://rumble.com/c/ThePathForwardhttps://rumble.com/c/LTCStevenMurrayRSS:https://rss.com/podcasts/ltcstevenmurray/Locals:https://locals.com/thepathforward/feed1T1F 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/How to find the RoundTable guysWestern Shooters:https://westernrifleshooters.blogspot.com/Bill Buppert Chasing Ghosts Podcasthttps://cgpodcast.substack.com/Joe Dolio tactical Wisdomtacitcal-wisdom.comhttps://www.amazon.com/stores/Joe-Dolio/author/B09K9MRDVP?ref=ap_rdr&shoppingPortalEnabled=true&ccs_id=210869d3-707c-40b0-ad6a-0d2016010342Matt Brackens Bookshttps://enemiesforeignanddomestic.com/Kris at Combat Studies Grouphttps://combatstudiesgroup.blogspot.com/?m=1

If you're a dietitian working in long-term care, you already know…This job can feel isolating.You're often the only RD in the building. You're responsible for clinical decisions, survey readiness, documentation, high-risk monitoring, foodservice oversight — and somehow you're expected to just “figure it out.”And most of the time?You're doing it alone.In this episode, I'm sharing the story behind why I created Clinical Nutrition Central — the only membership platform built specifically for dietitians working in long-term care, skilled nursing, and nursing homes.This isn't just another CEU library.It's practical, real-world support with:✔ Exact wording for nutrition care plans ✔ Charting templates you can use immediately ✔ Survey & audit preparation guidance ✔ Documentation frameworks that show clinical reasoning ✔ High-risk tracking tools ✔ Step-by-step examples for real LTC scenarios ✔ A community of dietitians who understand this fieldMy mission is simple: To help dietitians feel less alone in practice — and more confident every single day.If you've ever second guessed your documentation… If you've ever rewritten a care plan 5 times… If you've ever felt unprepared when survey walked in…This episode is for you.⚠️ Important: Membership pricing increases on March 1. If you join before then, you lock in the current rate.This is your opportunity to become a founding member and grow with us as we build the largest and only comprehensive membership platform dedicated to LTC dietitians.You don't have to practice alone anymore.

Many people inquire about LTC insurance and unfortunately get incorrect or incomplete information. This is why it's important to work with a LTC Planning Specialist, like me, who studies this continually. Years ago, there were a lot more companies offering LTC insurance, but all the plans looked and worked very similarly. Today, there are less companies offering this insurance, but these companies are each offering more unique ways to design and fund plans to meet more needs. Listen to these podcast episodes and arm yourself with the questions you need to ask when designing your plan. You deserve to understand why an advisor or insurance agent is or is not offering you a plan to protect your family, assets and choices. Reach out to me to schedule time to learn more and start to design your plan here Ask me a question by scheduling here

One Team One Fight.Rumble:https://rumble.com/c/ThePathForwardhttps://rumble.com/c/LTCStevenMurrayRSS:https://rss.com/podcasts/ltcstevenmurray/Locals:https://locals.com/thepathforward/feed1T1F 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/How to find the RoundTable guysWestern Shooters:https://westernrifleshooters.blogspot.com/Bill Buppert Chasing Ghosts Podcasthttps://cgpodcast.substack.com/Joe Dolio tactical Wisdomtacitcal-wisdom.comhttps://www.amazon.com/stores/Joe-Dolio/author/B09K9MRDVP?ref=ap_rdr&shoppingPortalEnabled=true&ccs_id=210869d3-707c-40b0-ad6a-0d2016010342Matt Brackens Bookshttps://enemiesforeignanddomestic.com/Kris at Combat Studies Grouphttps://combatstudiesgroup.blogspot.com/?m=1

One Team One Fight.Rumble:https://rumble.com/c/ThePathForwardhttps://rumble.com/c/LTCStevenMurrayRSS:https://rss.com/podcasts/ltcstevenmurray/Locals:https://locals.com/thepathforward/feed1T1F 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/How to find the RoundTable guysWestern Shooters:https://westernrifleshooters.blogspot.com/Bill Buppert Chasing Ghosts Podcasthttps://cgpodcast.substack.com/Joe Dolio tactical Wisdomtacitcal-wisdom.comhttps://www.amazon.com/stores/Joe-Dolio/author/B09K9MRDVP?ref=ap_rdr&shoppingPortalEnabled=true&ccs_id=210869d3-707c-40b0-ad6a-0d2016010342Matt Brackens Bookshttps://enemiesforeignanddomestic.com/Kris at Combat Studies Grouphttps://combatstudiesgroup.blogspot.com/?m=1

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 -------- Před nějakou dobou jsem reagoval na něčí video a ptal se, zda si takový formát přejete i dál; odpovědi byly vesměs kladné, tak jsem se rozhodl to zopakovat. Zatím nevím jistě, zda je to formát pro mě, ale to asi nezjistím jinak, než že ho budu tvořit. Prosím, napište mi do komentářů své názory; a taky jestli je rozdíl, zda reaguji na audio či video. Svobodu slova považuji za naprosto zásadní pro mírumilovné soužití ve společnosti; každé její omezení představuje dle mého názoru další krok směrem k totalitě – za zcela paradoxní pak považuji prosazování takové cenzury coby nástroje „proti totalitě“. – 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

Welcome back to the Hangin' with the AD Podcast. In this episode, we're joined by Rob Seymour, an athletic director at Fishers High School in Fishers, Indiana, where he has served since 2014. Rob is the past president of the Indiana Interscholastic Athletic Administrators Association, a member of the NIAAA national teaching faculty for LTC 714, and an National Federation of State High School Associations Level 3 certified coach. In this conversation, Rob shares his “back of the baseball card” story, explains how he uniquely shares the AD role at Fishers, and offers insights on culture change through the lens of Indiana football, purpose-driven leadership, and game-day event management as hospitality inspired by Unreasonable Hospitality. We also dive deep into AI—why Rob embraced it early, how he's using it today for visuals, videos, and daily AD work, how to educate coaches in a rapidly evolving space, and what athletic administrators may still be overlooking about AI's impact on our profession.

One Team One Fight.Rumble:https://rumble.com/c/ThePathForwardhttps://rumble.com/c/LTCStevenMurrayRSS:https://rss.com/podcasts/ltcstevenmurray/Locals:https://locals.com/thepathforward/feed1T1F 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/How to find the RoundTable guysWestern Shooters:https://westernrifleshooters.blogspot.com/Bill Buppert Chasing Ghosts Podcasthttps://cgpodcast.substack.com/Joe Dolio tactical Wisdomtacitcal-wisdom.comhttps://www.amazon.com/stores/Joe-Dolio/author/B09K9MRDVP?ref=ap_rdr&shoppingPortalEnabled=true&ccs_id=210869d3-707c-40b0-ad6a-0d2016010342Matt Brackens Bookshttps://enemiesforeignanddomestic.com/Kris at Combat Studies Grouphttps://combatstudiesgroup.blogspot.com/?m=1

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 talks with the team behind Zano to explore how confidential assets are being used in real-world DeFi scenarios. The conversation breaks down what Zano's confidential assets are, how they differ from typical privacy coins, and why asset-level privacy matters for practical financial applications. The guests walk through concrete use cases—including private token issuance, payments, and DeFi-style interactions—while also discussing technical design choices, trust assumptions, and trade-offs between privacy, usability, and scalability. They cover Zano's future plans for expanding the possibilities of private, censorship-resistant finance beyond simple peer-to-peer transactions. TIMESTAMPS: (00:02:00) Monerotopia Preview + Zano Introduction (00:06:04) Zano Workshop: Making Bitcoin Private (BTCx via Edge) (00:13:33) BTCx Stats, TVL & Bridged Asset Overview (00:19:01) Confidential Assets Use Cases & Future Growth (00:28:18) Proof-of-Stake vs Proof-of-Work Discussion (00:29:48) Monero Lock Time & UX Comparison (00:31:03) Serai DEX & Monero Integration Possibilities (00:55:15) Final Thoughts & Zano Booth Info GUEST LINKS: https://x.com/gonbat03 https://x.com/mr_kwibs Purchase Cafe & tip the farmers w/ XMR! https://gratuitas.org/ 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!

Providing care for a very sick, injured or elderly family member is hard! Especially without help. There are currently over 50 million family caregivers sacrificing their time, family, health and future to provide that care. LTC insurance is not designed to replace you; it's there to help you be able to help without hurting yourself or getting overwhelmed from doing it alone. Who is going to pay for those 7.8 million licensed care providers as the Baby Boomer generation reaches 80 this year and continues to age? It's either us, our family, or the government. Part of "us" is LTC insurance - so we won't force our famly members to exhaust themselves. You can view current (2024) and estimate future cost of care where you live here I recommend you use 5% COLA and not the 3% that defaults when you open the page. I said I would add a link to the site that discusses LTC reform and how Medicaid impacts the entire industry, but the link is not active today. I have LTC Bullets emailed to me weekly. Hopefully, it's up and running again soon. The link is here for when it is online again Schedule a meeting with me here

One Team One Fight.Rumble:https://rumble.com/c/ThePathForwardhttps://rumble.com/c/LTCStevenMurrayRSS:https://rss.com/podcasts/ltcstevenmurray/Locals:https://locals.com/thepathforward/feed1T1F 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/How to find the RoundTable guysWestern Shooters:https://westernrifleshooters.blogspot.com/Bill Buppert Chasing Ghosts Podcasthttps://cgpodcast.substack.com/Joe Dolio tactical Wisdomtacitcal-wisdom.comhttps://www.amazon.com/stores/Joe-Dolio/author/B09K9MRDVP?ref=ap_rdr&shoppingPortalEnabled=true&ccs_id=210869d3-707c-40b0-ad6a-0d2016010342Matt Brackens Bookshttps://enemiesforeignanddomestic.com/Kris at Combat Studies Grouphttps://combatstudiesgroup.blogspot.com/?m=1

One Team One Fight.Rumble:https://rumble.com/c/ThePathForwardhttps://rumble.com/c/LTCStevenMurrayRSS:https://rss.com/podcasts/ltcstevenmurray/Locals:https://locals.com/thepathforward/feed1T1F 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/How to find the RoundTable guysWestern Shooters:https://westernrifleshooters.blogspot.com/Bill Buppert Chasing Ghosts Podcasthttps://cgpodcast.substack.com/Joe Dolio tactical Wisdomtacitcal-wisdom.comhttps://www.amazon.com/stores/Joe-Dolio/author/B09K9MRDVP?ref=ap_rdr&shoppingPortalEnabled=true&ccs_id=210869d3-707c-40b0-ad6a-0d2016010342Matt Brackens Bookshttps://enemiesforeignanddomestic.com/Kris at Combat Studies Grouphttps://combatstudiesgroup.blogspot.com/?m=1

Jason Dutra with BuddyIns joins us this week to share a case study on worksite LTC benefits. There are companies that will offer guaranteed issue (no health questions) hybrid life/LTC plans to a company with as few as 3 employees. Listen and learn if this is a tool you would like to offer, or that you would like your employer to offer. Then schedule an introductory meeting with me to discuss options for your company here If you'd like to learn more first, use this link to research at BuddyIns https://buddyins.com/worksite You can schedule a meeting with Jason by submitting a referral at the top right of the page. Please remember to request me as your specialist. I look forward to helping you protect those you care about most.

One Team One Fight.Rumble:https://rumble.com/c/ThePathForwardhttps://rumble.com/c/LTCStevenMurrayRSS:https://rss.com/podcasts/ltcstevenmurray/Locals:https://locals.com/thepathforward/feed1T1F 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.Rumble:https://rumble.com/c/ThePathForwardhttps://rumble.com/c/LTCStevenMurrayRSS:https://rss.com/podcasts/ltcstevenmurray/Locals:https://locals.com/thepathforward/feed1T1F 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.Rumble:https://rumble.com/c/ThePathForwardhttps://rumble.com/c/LTCStevenMurrayRSS:https://rss.com/podcasts/ltcstevenmurray/Locals:https://locals.com/thepathforward/feed1T1F 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 features Reuben Yap discussing the growth and direction of Firo as a privacy-focused cryptocurrency, alongside broader developments in the privacy ecosystem such as AnonBazaar. Reuben explains Firo's evolution, including its approach to privacy technology, decentralization, and usability, while addressing the challenges of maintaining strong privacy guarantees in a changing regulatory and technical landscape. The conversation also touches on real-world use cases, adoption hurdles, and the importance of building privacy-preserving marketplaces and tools that go beyond speculation. The episode offers a look at how projects like Firo and AnonBazaar make financial privacy more practical and censorship resistant. TIMESTAMPS: (00:02:00) Guest introduction (Ruben) (00:05:30) Monero's role among privacy coins (00:12:00) Exchange delistings & decentralization implications (00:18:30) Mining incentives, proof-of-work, and miner behavior (00:27:00) Privacy coins vs Zcash & design tradeoffs (00:34:30) Wallets, swaps, and cross-chain usability (00:42:00) XMR Bazaar / Monero-based marketplaces (00:50:30) Real-world Monero usage stories (00:58:30) Community growth & grassroots adoption (01:05:30) Future of privacy coins & ecosystem outlook (01:12:30) Conferences, Mineratopia & community events (01:18:30) Final thoughts from guest (01:34:10) Outro, support links, and closing message GUEST LINKS: https://x.com/reubenyap Purchase Cafe & tip the farmers w/ XMR! https://gratuitas.org/ 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!

With US stocks at record valuations, we will analyze the case for Emerging Markets (EM) as the contrarian "value play" of 2026, driven by a potentially weaker dollar.Today's Stocks & Topics: Bright Horizons Family Solutions Inc. (BFAM), Market Wrap, Celestica Inc. (CLS), Micron Technology, Inc. (MU), Dollar General Corporation (DG), Saving for Retirement, “Emerging Markets: The 2026 Value Play?”, Leggett & Platt, Incorporated (LEG), Somnigroup International Inc. (SGI), LTC Properties, Inc. (LTC), Sabra Health Care REIT, Inc. (SBRA), Earnings Season, Global X Copper Miners ETF (COPX), Global Partners LP (GLP), Vanguard Mid-Cap Value Index Fund ETF Shares (VOE), Copper.Our Sponsors:* Check out ClickUp and use my code INVEST for a great deal: https://www.clickup.com* Check out Invest529: https://www.invest529.com* Check out Progressive: https://www.progressive.comAdvertising Inquiries: https://redcircle.com/brands

Get my new book: https://bronsonequity.com/fireyourselfDownload my new special report - How to Use Inflation to Your Advantage - www.bronsonequity.com/inflationIn this episode of the Mailbox Money Show, Bronson uncovers the high-reward world of land development with Brandon Cobb. They break down the two-phase process: land entitlement (securing approvals for forced appreciation) and horizontal development (infrastructure like roads and utilities for ready-to-build lots). Brandon reveals how to mitigate risks via pre-sold contracts with national builders (e.g., Lennar, D.R. Horton), structure deals with 18% preferred returns and 65% LTC debt, and capitalize on current market freezes. From Tennessee's cyclical opportunities to biohacking for peak performance (cold plunges, green smoothies, sleep optimization), discover why development offers multiple exits and legacy-building potential—perfect for diversifying beyond multifamily amid rising rates.Brandon Cobb is the CEO of HBG Capital, a real estate development and investment firm specializing in single-family residential projects. With a background in homebuilding, he now focuses on land entitlement and horizontal development, creating shovel-ready lots for major builders.00:42 - Guest Intro: Brandon Cobb01:41 - Real Estate Cycles: Sector Shifts for Optimal Returns02:29 - Phase 1: Land Entitlement for Forced Appreciation03:11 - Phase 2: Horizontal Development (Roads & Utilities)03:36 - Niche: Single-Family Lots for Builders Like Lennar04:54 - Current Focus: Pre-Sold Entitlements in Slow Markets05:38 - Structure: 18% Pref Return, 100% Equity Plays07:16 - Risk Mitigation: Builder Deposits & Double Closes09:04 - Financing: 65% LTC Debt, Builder Funds as Equity10:45 - Land Banking: Hold for Surrounding Development Gains14:26 - Timelines: 15 Months Entitlement, 1-Year Development15:36 - Market Evolution: Post-2022 Freeze to Builder Opportunities19:57 - Advantages: 3 Exits, Low Saturation in Development21:10 - Biohacking: Wealth for Full Life Enjoyment21:33 - Green Smoothies: Organic Daily Digestion Boost22:48 - Cold Plunge: Fog Buster & Recovery Enhancer24:37 - Sleep Optimization: Whoop Tracking for Foundation27:12 - Blood Tests + ChatGPT: Personalized Performance Tweaks29:36 - ResourcesCONNECT WITH THE GUESTLand Development 101: learnlanddevelopment.comJoin the Waitlist: hbgcapital.net/waitlistWebsite and E-book: hbgcapital.net#LandDevelopment#RealEstateEntitlement#HorizontalConstruction#Biohacking#ForcedAppreciation#InvestorRiskMitigation#SleepOptimization

Jim and Chris are joined by Jake to discuss listener questions on SSA-44 and IRMAA surcharges, inherited IRA spousal rollover rules, long-term care insurance benefit caps, and ACA tax credits. (4:45) George asks whether an unexpected W-2 stock option payout in 2025 could support filing SSA-44 to reduce 2027 IRMAA surcharges, especially if he stops consulting income afterward. (12:00) A listener asks whether SSA-44 can be used retroactively to request a refund of 2025 IRMAA surcharges after a job loss pushed MAGI below the threshold. (18:15) Georgette asks whether she can take withdrawals from her deceased spouse's inherited IRA without penalty and still later move the remaining balance into her own IRA. (28:00) The guys address why long-term care insurance policies often have a lifetime benefit cap and whether benefits can run out during an extended care event. (46:45) Chris and Jake cover whether long-term capital gains count toward the modified adjusted gross income used for ACA tax credits and can affect eligibility. The post IRMAA, Inherited IRA, LTC, ACA Tax Credits: Q&A #2602 appeared first on The Retirement and IRA Show.