Podcasts about LTC

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 -------- Když sleduji některé výstupy Students for Liberty či Institutu liberálních studií, vyvolává to ve mně řadu otázek; rozhodl jsem se pozvat Jana Mošovského, abychom je probrali, jelikož on vidí (ústavní) demokracii jako sklenici poloplnou, já spíše poloprázdnou. Umím si představit, že někteří diváci Honzův postoj (snad příliš) rychle odmítnou, či dokonce video vypnou; osobně si však myslím, že určitě stojí za vyposlechnutí, ale především za následné promýšlení, jakkoliv se náš přístup liší. – Jan Mošovský; anarchoobjektivista; libertarián; člen Students for Liberty; splupracovník Institutu liberálních studií – 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

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 ---- Aleš Mikulejský mě pozval do Českých Budějovic, abych přednášel o základech anarchokapitalismu; a jelikož se hodně snažil přivést co nejvíc lidí, vzniklo hodně různorodé publikum složené z ostřílených anarchistů a bitcoinerů, ale byli v něm i ti, kdo o těchto tématech nikdy předtím neslyšeli. Přednáška (či beseda) mě hodně bavila, i proto trvala dvě a půl hodiny; líbila se mi možná právě ona různorodost publika, což bylo místy náročné, ale myslím, že jsme se nakonec vzájemně obohatili. Jsem opravdu rád, že přišlo tolik lidí otevřených novým myšlenkám, postojům, hodnotám… – 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 talks with JP from THORChain to discuss the project's renewed effort to integrate Monero (XMR) into its decentralized cross-chain liquidity protocol. JP explains why an earlier 2022–2023 integration attempt stalled due to limitations in Monero's old multisig system and security concerns, and reveals THORChain is now developing a new threshold signature scheme to make Monero swaps trust-minimized and scalable. He outlines an expected rollout through the Vultisig wallet, stagenet, and finally mainnet by Q1 2025. The conversation explores the role of privacy in crypto, competition and collaboration with projects like Serai and Haven, and THORChain's return to its core mission as a decentralized custodian network. JP emphasizes Monero's importance for financial sovereignty and future AI-driven economies, and invites the Monero community to contribute to the integration effort. TIMESTAMPS: (01:15:00) - Guest introduction and discussion about Monero and Thorchain. (02:18:00) - Thorchain's development and multi-sig technology. (05:00:00) - Discussion on Thorchain's decentralized liquidity pool network. (08:50:00) - The Haven team and potential Monero integration with Thorchain. (10:49:00) - Updates on the threshold signature scheme for Monero. (12:07:00) - Timeline for implementing Monero on Thorchain. (13:24:00) - Monero as digital cash and its privacy benefits over Bitcoin and Zcash. (16:51:00) - Zcash's privacy model compared to Monero's. (18:25:00) - Monero's place in decentralized exchange systems. (19:28:00) - How decentralized exchanges like Thorchain compare with centralized ones. (21:02:00) - Monero's liquidity challenges and efforts to improve. (23:21:00) - Competition between Thorchain and Serai (Luke Parker's project). (26:36:00) - Encouragement for more people to contribute to Monero's ecosystem. (29:39:00) - Shift from private key-based wallets to threshold signature wallets. (32:15:00) - Open-source commitment and possible collaboration with Sarai on threshold signature schemes. (35:00:00) - Building for Monero: Threshold signature libraries and their future. (38:28:00) - Making Thorchain more accessible for Monero integration. (39:01:00) - Current progress on Monero integration and Thorchain's roadmap. (42:42:00) - Monero's potential future with decentralized exchanges. (45:58:00) - Thorchain's liquidity model and rebuilding after setbacks. (49:36:00) - Thorchain's expansion and lending features. (51:33:00) - The future of Thorchain and its role in the decentralized finance space. (54:29:00) - Deflationary mechanics of Thorchain's native token, Rune. (57:33:00) - Building a seamless wallet experience for Monero users within Thorchain. (01:00:29) - The resilience of Thorchain and Monero's synergy. (01:02:09) - Onboarding new users and the balance between decentralization and user accessibility. (01:05:55) - Closing remarks: Cypherpunk roots and the future of Monero and Thorchain. GUEST LINKS: https://x.com/jpthor 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/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/

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 -------- Minulá debata s Darkrym o indoktrinaci ve školství nás oba bavila, tak jsme se rozhodli pokračovat; tentokrát naši rozmluvu vedl Darkry, jenž si připravil téma i otázky. Nejsem si jist, jak moc jsme se jeho osnovy drželi; ale myslím, že jsme si to oba užili. Darkry se vyptával na Ježka, změny v RVP, ale také výuku IT, zejména pak mediální gramotnost; od každého tématu jsme se ale vždy nakonec dříve či později dostali k vnitřní motivaci – tu bohužel často zabíjí právě pokusy stimulovat tu vnější. – 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/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/

It seems that with nearly every person or couple I work with, a version of this question comes up. Which plan do I recommend most often? Although all LTC plans are similar in how to qualify for benefits, each company and even each plan within a company carries unique attributes to that are attractive to various wants and needs of interested buyers.. This week, Diane shares different/unique characteristics offered inside hybrod life/LTC plans.   The premiums can't be too high or too low compared to the competition, or one company will get far too many applicants (leading to many more future claims) than other carriers.  The lopsidedness of the financial obligations would really mess up that company's future committments. So if premiums ar similar across the industry, each company needs its own way to attract the clients they want to attract.  Listen and learn some of the unique ways companies diffrentiate themselves. Email me at and ask me for more info on hybrid LTC planning strategies. Then schedule a phone or zoom meeting with me to design your plan

In the final installment of our three-part series, host Todd Eury wraps up his live coverage from the 2025 FrameworkLTC Innovation Conference. Tune in for more engaging interviews with LTC pharmacy attendees, partner exhibitors, and SoftWriters team members as they reflect on the event's biggest moments and discuss what's ahead for the LTC pharmacy community.

Nurse practitioner Judi Lacinak has spent more than two decades working with patients living with HIV, the last three with those needing long-term or post-acute care. She's both a clinical expert and a passionate advocate for better HIV care. That makes her an ideal candidate to teach others how to treat patients, understand the risks and deliver treatment and services while preserving dignity. During a recent visit to Broadway House for Continuing Care, McKnight's Long-Term Care News asked Lacinak for strategies that can help build confidence for new caregivers. For new staff, she says, training on bloodborne pathogens, infection control, standard precautions, enhanced barrier precautions and various types of isolation are critical. They can improve care for patients and reduce fear or misunderstanding among frontline team members. “I think back to the '80s and the '90s when somebody had HIV and they were put in a room in isolation and they were in there by themselves because we as healthcare providers didn't know,” she tells McKnight's Senior Editor Kimberly Marselas. “But nowadays it's different. You walk into a room, you're going to treat that patient who's HIV-positive the same as you would treat the patient who's in the bed next to them, who's not,” she explains. “Think of it as a chronic illness, and if I can manage your high blood pressure, I can manage HIV.” Lacinak, a nurse educator, also offers advice on how to educate patients to be better advocates for themselves, especially amid continued advances in the medications that control the virus and support their immune systems. And in this final piece of McKnight's HIV in LTC series, Lacinak also takes a few minutes to remember a short-stay patient whose life she touched — and whom she later encountered thriving after treatment. “I really think that it's a privilege to take care of patients here. And I try to get that through to student nurses, when they come through here, that somebody is trusting their family member or their loved one into your hands to be a caregiver to them,” she says. “That's a privilege that we can't take lightly.” Listeners of this special McKnight's Newsmakers podcast will come away with actionable insights and an uplifting dose of inspiration. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this powerful episode, Kevin Riley of One America joins Tennessee Brokerage Agency to tackle one of today's most urgent financial and emotional challenges: the caregiver crisis. Riley reframes the long-term care (LTC) conversation — shifting the focus from paying for care to managing resources and protecting families from the crushing realities of caregiving. Listeners will gain a clear understanding of why LTC planning isn't about averages or age, but about ensuring access, control, and dignity when care is needed. Riley dives deep into the staggering statistics — including the 63% higher mortality rate among unpaid caregivers — and calls out the “lie of consequences” that keeps clients from planning ahead. This episode explores how One America's asset-based LTC solutions empower clients to protect both their wealth and their loved ones. From Care Coordination Concierge services to respite benefits and lifetime joint coverage, these innovative options give families real-life relief when it matters most. For advisors, Riley offers practical conversation starters to help clients confront care planning head-on — not with fear, but with foresight. It's a must-listen for anyone who believes that the true measure of financial planning is how well it safeguards the people behind the numbers.

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 -------- Nejkratší epizoda Studia Svobodného přístavu je vlastně jen upoutávkou na jiné video, které bych Vám rád ukázal, ale bohužel by bylo v rozporu se smluvními podmínkami YouTube (i Odysee) jej sem uploadnout, jelikož v něm porušuji zákony. Zároveň také vysvětluji, proč to dělám, mluvím nejen o (ne)poslušnosti, ale také o zločinech bez oběti, právu silnějšího (státu) a rozebírám spoustu dalších souvisejících témat; jedná se o milník v mé tvorbě – ta se teď bude vyvíjet i tímto směrem. Odkazy: https://www.urza.cz/nep https://stoky.urza.cz/texty/ne-poslusnosti-proc-urza-verejne-porusuje-zakony-pred-kamerou-3333 – 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

PRISM Enters the Chat & LTC Insurance in Pharmacy | TWIRx RxRated Version   

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, host Douglas Tuman speaks with Juraj, a self-described “shaman” of the crypto world who bridges different blockchain communities. Together, they dive into the contrasts and common ground between Monero and Zcash, exploring both the technical and cultural dynamics of the leading privacy coins. Juraj discusses Zcash's growing DEX integrations through Zashi Wallet and Near Intents, while Doug shares his experience with a failed swap attempt. They compare this with Monero's ongoing DEX efforts like Sarai and potential Thorchain integration, highlighting the shared goal of improving usability and interoperability. The two also unpack each project's funding models, mining approaches, and community cultures, debating decentralization, security, and the future of privacy in crypto. Juraj emphasizes that real adoption often depends more on social dynamics than technical merit, and that long-term holders give privacy coins their true value. TIMESTAMPS: Coming soon! GUEST LINKS: https://x.com/@jurbed 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!

This is the beginning of our 6th year!!! This week, Diane interviews Jason Dutra with BuddyIns again.   We discuss tax-benefits of worksite LTC insurance and hybrid life/LTC worksite plans. How are these plan offerings different than other group benefits that employers offer? How can employers use group life/LTC plans to show how much they care about their employees? When employees know their employer cares about them and their families, they are more productive.  Everyone is happier, and employee retention is strong. If you are a business owner with at least 3 employees, there are worksite LTC plans available for you to consider.  These plans have guaranteed issue rights, so no medical questions to qualify. If you are an employee and have been declined for LTC, you can ask your employer if they would consider offering this benefit to some or all the people who work there. Schedule some time with me to explore options    

In part two of our exclusive three-part series, host Todd Eury continues the conversation live from the 2025 FrameworkLTC Innovation Conference. Hear from LTC pharmacy professionals, trusted partners, and SoftWriters experts as they share their experiences, key takeaways, and perspectives on the evolving world of long-term care pharmacy.

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 Episode of the Secure Your Retirement Podcast, Radon and Murs discuss how modern life insurance can be more than a death benefit—it can be an all-in-one tool for retirement planning strategies, tax advantages of life insurance, and long-term care insurance. With guest expert Jim Bowman, they explain how well-structured cash value policies—especially Indexed Universal Life—can provide tax free retirement income, flexible access to cash, and an efficient way to leave a legacy to family or charity.Listen in to learn about the practical differences between term and cash value policies, how to design funding to avoid MEC rules, why many retirees use unneeded RMDs to create tax-efficient benefits, and how hybrid life insurance can accelerate a portion of the death benefit for qualifying long-term care needs. If you want a clear path to secure your retirement, plan for retirement, and keep a simple retirement checklist for retiring comfortably, this conversation is for you.In this episode, find out:· How to think about life insurance benefits beyond debt protection—legacy, liquidity, and LTC.· The mechanics of life insurance cash value and using policy loans for tax free retirement income.· Why life insurance and taxes can work in your favor when policies are designed to minimize insurance cost and maximize accumulation.· When to consider life insurance for retirement (including for business owners) and how to fund over 5–7 years to avoid MECs.· Using unwanted RMDs to fund life insurance for seniors or a hybrid life insurance policy with long term care insurance riders.Tweetable Quotes:· “Life insurance can be the Swiss Army knife of retirement—growth, tax efficiency, legacy, and long-term care in one plan.” — Radon Stancil· “Design the policy to minimize insurance cost and maximize cash value—then let it do the heavy lifting for tax-free income.” — Murs TariqThroughout the episode, we cover: Retirement Planning, retirement planning strategies, planning retirement with Indexed Universal Life, coordinating with a broader financial plan, and using a straightforward retirement checklist to align cash flow, taxes, and legacy goals—so you can secure your retirement.Resources:If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!To access the course, simply visit POMWealth.net/podcast.

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/

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 -------- Štěpán Drábek je mladý ekonom (říká o sobě, že budoucí ekonom), libertarián a bitcoiner; i proto jej nejspíš pozval Kicom do svého kanálu, kde mluvili o bitcoinizaci, potenciální bitcoinové ekonomice, ale i deflační ekonomice obecně. Rozhodl jsem se s ním ta témata probrat znovu, jelikož Kicom v ekonomických otázkách sám přiznával, že jsou na něj moc odborné; teď jsme je rozebrali do větší hloubky, abychom zjistili, jak je to vlastně s ekonomikou bez centrálního bankovnictví. Nakonec jsme se zabývali také etikou svobody. – Štěpán Drábek; ekonom; analytik Institutu liberálních studií; libertarián; bitcoiner – 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

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 -------- Podnikatelé z Prague Business Clubu měli zájem o soukromou přednášku o kryptoměnách v souvislosti s kauzou Brno-Bitcoin-Blažek; té jsme se naštěstí věnovali jen okrajově, za což jsem upřímně rád, neboť svět kryptoměn je fascinujícím místem zcela zastiňujícím každou nekompetenci politiků. Hodně mě překvapilo, k jak přijímajícímu publiku jsem mluvil; a to nejen o kryptoanarchii, ala také o anarchokapitalismu i anarchoagorismu. Podnikatele (a nejen na základě této přednášky) považuji (spolu se školou nezpracovanými dětmi) za myšlenkově možná nejotevřenější skupinu lidí. – 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 -------- V rámci předvolební kampaně strany „Urza.cz: Nechceme vaše hlasy; ke svobodě se nelze provolit. Odmítneme každou politickou funkci; nechceme totiž lidem nařizovat, jak mají žít. Máme jinou vizi. Jdeme jinou cestou – najdete ji na webu www.urza.cz.“ do parlamentních voleb 2025 jsem se zúčastnil několika debat a vystoupení. Jednalo se jako obvykle o Politické spektrum, představení strany v ČT i ČRo a tentokrát navíc i jednu debatu v rozhlase; sestřih toho všeho naleznete v tomto videu. Letos jsme kandidovali jen v Praze (v ostatních krajích ne), takže s o něco menším dosahem, nicméně za (řádově) méně peněz. – 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 is making its first visit to Alabama. UIAAA Connection #249 – Dan Norton, CMAA, Former Director of Athletics – Auburn City Schools, is now available. Dangrew up in Auburn, Alabama, playing a wide range of sports throughout his youth. After graduating from Auburn University, he dedicated 25 years to education as a cross-country coach, shaping countless student-athletes. With astrong passion for supporting and promoting athletic directors in Alabama, he now serves as the state's professional development coordinator and contributesnationally as a member of the LTC 721 faculty. Dan's advice emphasizes keeping balance in life, learning to delegate responsibilities effectively, and ensuring administrators fully understand the vital role athletic directors play in strengthening schools and communities.

This week, after hearing from a client who wishes she would have bought more insurance a decade ago, Diane shares decisions that others have made in the past and now regret it. These people, if they had thought through their decisions before making them, could have ended up with much better outcomes.   When planning to provide for ourselves and protect our families, we need to take action.  And we need to not skip the small things.  The small things in these stories would have made all the difference. We all have a plan for our own future long term care needs.  Some will just let things happen and will end up being "put" somewhere.  Those who proactively seek solutions end up with much better choices later on. You can view both current and projected costs of home care, assisted living, and nursing home care where you live or plan to live I recommend you use 5% inflation on care as that's what we've seen for three decades. Then schedule a phone or zoom meeting to start designing your plan Then you'll be Prepared for Tomorrow!!!

In part one of our special three-part series, join host Todd Eury as he takes you inside the 2025 FrameworkLTC Innovation Conference. Recorded live on-site, this episode features conversations with long-term care (LTC) pharmacy leaders, partner exhibitors, and members of the SoftWriters team. Hear firsthand insights and success stories that highlight innovation, collaboration, and the future of LTC pharmacy.

Hyperthyroidism, though less common than hypothyroidism in elderly populations, poses unique challenges in long-term care (LTC) settings. In older adults, symptoms can be subtle or atypical—manifesting as unexplained weight loss, anxiety, atrial fibrillation, or cognitive decline, which may be mistaken for normal aging or other chronic conditions.   In LTC facilities, where polypharmacy and comorbidities are prevalent, the role of the pharmacist consultant is critical in identifying potential signs of hyperthyroidism, reviewing lab results, and ensuring appropriate medication management.   While levothyroxine is a standard therapy for hypothyroidism, its use in LTC requires close monitoring, especially to avoid overtreatment that can mimic or induce hyperthyroid symptoms.   Pharmacist consultants play a key role in evaluating levothyroxine dosing—considering factors like renal function, drug interactions (e.g., calcium, iron supplements), and changes in patient weight or dietary habits. In cases where hyperthyroidism is present or suspected, pharmacists assist in monitoring antithyroid medications such as methimazole or managing transitions after radioactive iodine therapy or surgery.   Their involvement ensures thyroid function is properly assessed, doses are adjusted appropriately, and adverse events—like fractures or cardiovascular risks from overtreatment—are minimized.

Christian ; Follower of GOD Servant of CHRIST        Decorated Combat VeteranCorporate; U.S. Marine Corps Urban Warfare Instrictor;       S.R.T. Commander Active Shooter Response Team Law Enforcement Los Angeles Police (L.A.P.D.) Police Officer / Fugitive RecoveryF.B.I. Instructor N.R.A Instructor Competition Shooter; Multi Time State Rifle Pistol Champion Hunting; Life Long Hunter Proffessional Hunter and Guide Private Security Contractor; Several Agencies,  Current. https://www.patreon.com/GoodSh...GOD Provides JESUS SavesBecome a supporter of this podcast: https://www.spreaker.com/podcast/gunfighter-life-survival-guns-tactical-hunting--4187306/support.Have a Blessed Day 

John's soon to be published book 'THE ABDUCTION AMNESTY KNOT'In a time when governments admit the reality of UFOs and whistleblowers risk everything to testify about encounters with non-human intelligences, The Abduction Amnesty Knot dares to ask the hardest question of all: what now? Drawing on decades of military experience, behavioral science, and firsthand accounts from PRP-qualified service members, Dr. John G. Blitch, LTC, USA Retired, uncovers disturbing patterns of abduction, concealed technologies, and deep trauma—with evidence that's physical, not just anecdotal.Part memoir, part manifesto, and part psychological reckoning, this book blends high-level military insight with deeply personal stories to challenge the limits of belief and open a case for something radical in the age of disclosure: forgiveness. With dark humor, unflinching analysis, and compassion for the abducted and the unaware alike, Blitch doesn't just document the hidden truths of our past—he charts a course for the kind of future humanity may still be worthy of.BioDr. John G. Blitch (LTC USA RET) is a retired cognitive scientist and former DARPA Program Manager with a career spanning nuclear weapons delivery, Special Forces, and artificially intelligent robotics. In addition to his many military deployments, Colonel Blitch's field experience includes a multitude of disaster response activities—most notably in the aftermath of the Oklahoma City bombing (1995), World Trade Center attacks (2001), and Hurricane Katrina (2005). Holding a doctorate and multiple master's degrees in cognitive science and engineering, he has taught at the U.S. Air Force Academy and led pioneering research programs in robotics and human-machine teaming.Dr. Blitch's work has taken him from war zones and classified laboratories to rubble piles, ski slopes, and mysterious mountain bike trails. Along his journey, he has accumulated a wealth of personal and professional experience that has compelled him to confront uncomfortable truths about artificial intelligence, hidden trauma, and institutional silence. Known for his unconventional thinking and sharp skepticism—often turned inward—he now dedicates his voice to advocating for truth, accountability, and above all, forgiveness in the face of unthinkable terror.https://www.fearfighter.org/ https://www.pastliveshypnosis.co.uk/https://www.patreon.com/alienufopodcastMy book 'Verified Near Death Exeriences' https://www.amazon.com/dp/B0DXKRGDFP Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

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 -------- Mikýř dlouho nechtěl přijít do Studia, protože je zvyklý na jiný způsob komunikace, debaty mu nesedí; o to víc oceňuji, že nakonec přijal mé pozvání v souvislosti se svou výzvou lidem, ať jdou volit. Já nešel, Mikýř se zrovna vracel od urny, a tak se zastavil na kus řeči. Bavili jsme se právě o tom, zda (ne)má (ne)volení smysl; a především jsme se snažili vysvětlit (a pochopit) proč – to mi přišlo hodně zajímavé i produktivní. Nakonec jsme zabrousili ještě do Spojených států, z čehož vyšla nečekaná a zajímavá tečka naší diskuse. – Mikýř; youtuber; influencer; bavič; autor výzvy k účasti ve volbách – 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 -------- Na křtu knihy Teorie peněz a úvěru zaznívaly nepřesnosti o Bitcoinu; proto jsme se spolu se Students for Liberty a Institutem librálních studií rozhodli uspořádat debatu o Bitcoinu a fiat penězích, v níž tyto instrumenty obhajovali Urza a Mojmír Hampl. Řešili jsme různé vlastnosti Bitcoinu, jeho výhody i nevýhody; v lecčems jsme se shodli, byť nejvyšší míra rozdílnosti názorů panovala kolem LN, o jehož funkčnosti má Mojmír Hampl stále své pochybnosti. Debatovali jsme též o fiatu a jeho udržitelnosti bez státu. – Mojmír Hampl; ekonom; bývalý viceguvernér České národní banky; předseda Národní rozpočtové rady – 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 Monero developer Jeffro256. They dive into Monero's upcoming Carrot protocol upgrade and Full Chain Membership Proofs (FCMP++), two major advancements in privacy and security. Jeff shares his path into Monero, from early mining experiments in 2017 to contributing as a developer. He explains how Carrot fixes vulnerabilities like the burning bug and Janus attack, while adding features such as outgoing view keys and offline address generation. The conversation then shifts to FCMP++, with a stress test network launching soon. This upgrade will expand Monero's anonymity set from 16 to around 150 million—an unprecedented leap in privacy. They also cover Monero's response to recent Qubic mining attacks, Tevador's “publish or perish” proposal, comparisons with other privacy coins like Zcash, and future directions including quantum resistance and confidential assets. TIMESTAMPS: Coming soon! GUEST LINKS: 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!

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 -------- Tomáš Kupec se mi ozval s tím, že mu z pohledu anarchoagoristy nepřipadá legitimní volit v demokratických volbách (tedy takový akt považuje za prušení NAPu); já tento pohled nesdílím, byť mi volení nedává smysl, ale za legitimní jej považuji. Debata mě hodně bavila a ačkoliv jsme nedošli k jednoznačné shodě a společnému závěru, seznali jsme, že na spoustu věcí nahlížíme z podobné perspektivy; zejména je pro nás oba velice důležitá (hodnotová) konzistence. – Tomáš Kupec; anarchoagorista (https://x.com/MymaOcima); taoista; trenér aikida (facebook.com/aikidogympraha, instagram.com/aikidogympraha, aikidogym.cz) – 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

This week, we look at premiums of traditional, stand-alone LTC plans.  Diane shares a plan that her clients designed 10 years ago when they were 49 and compares that to the same plan for a 49 year old couple today, a 59 year old couple today and a 69 year old couple today. Listen and learn how both premiums and benefits at each age (and time) differ.   You'll be surprised when learning the total premiums paid at 49 and 69, and more importantly, the difference in benefits availabe at age 79 for each plan. View current and projected costs of care where you live   Be sure to use a 5% cost of living rate as that's the average cost of care increase over the last 30 years. Schedule a phone or zoom meeting with me to start designing your plan Let's wotk together so you and your favorite people are prepared for tomorrow!

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 -------- Třetího října budou volby; druhého je livestream, takže se téma trochu nabízí – nebo jestě nejsem dost anarchoagorista na to, abych seznal, že nenabízí (ale co my víme, třeba jednou dojdu k úplné ignoraci rituálů etatismu i v rámci své tvorby). Protože Emu politika nezajímá (je v tom dál než já), pozval jsem na pokec do Studia Tima, jenž volby řeší, takže spolu probereme jednotlivé strany a možnosti, koho (ne)volit; třeba Vám pomůžeme se zorientovat i ohledně Vaší (ne)volby. – Timofej Kožuchov; libertarián; možná trochu anarchokapitalista; youtuber; student politologie a filosofie; LGBT aktivista – 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

【本集節目資訊由衛生福利部長照司提供】

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/

Insights into the past, present and future of the crypto industry with Charlie Lee. Follow the podcast ⁠⁠⁠here⁠⁠⁠. Litecoin creator Charlie Lee joins "CoinDesk Spotlight" to break down the roles of bitcoin and Litecoin in the cryptocurrency and broader financial industry. Plus, the journey from being an early gold bug to buying bitcoin at its 2011 peak, his core philosophy of Litecoin being "silver" to bitcoin's gold, and why he sold all of his LTC holdings in 2017. - This content should not be construed or relied upon as investment advice. It is for entertainment and general information purposes. - Break the cycle of exploitation. Break down the barriers to truth. Break into the next generation of privacy. Break Free. Free to scroll without being monetized. Free from censorship. Freedom without fear. We deserve more when it comes to privacy. Experience the next generation of blockchain that is private and inclusive by design. Break free with Midnight, visit midnight.network/break-free - This episode was hosted by Jennifer Sanasie. “CoinDesk Spotlight” is produced by Sam Ewen, Jennifer Sanasie, Taylor Fleming and Victor Chen.

Send us a textWelcome to Safe Dividend Investing's Podcast 241- (27 September 2025) Ian Duncan MacDonald has started to write another investment book on stocks traded on the New York Stock Exchange and the NASDAQ. It will be called  “2025 Edition – America's 200 Strongest High Dividend Stocks – Analyzed and Scored”. It is being written for investors who fear making investing in individual stocks because they fear losing the savings,  they may have spent a lifetime accumulating.Ian's books always show investors  an easy, safe way to pick financially strong companies who pay high dividends . Stocks that can provide a generous, reliable, growing income while also increasing the value of their portfolio. Unlike mutual funds and other investment vehicles where investors have no control over their investment, self-directed investors who create a manageable portfolio of 20 stocks from the 200 analyzed and scored stocks will know exactly what they are  invested in and why they chose each stock for their portfolio. Ian is inviting those wanting to gain self-confidence in self directed investing to follow along in his podcasts over the next few months as he scores and analyzes a sampling of financially strong, high dividend stocks from his new book. You may want to refer to the written transcript that accompanies each podcast. Today he is scoring, comparing and analyzing; (1) LTC Properties Inc  (stock symbol LTC) (2) LXP Industrial Trust (stock symbol LXP )(3) LyondellBassel Industries NV (stock symbol (LYB )For more information on self-directed investing go to my website www.informus.ca or  listen to the previous 241 weekly podcasts. The first 160 podcasts are devoted to answering questions from investors just like you. Ian Duncan MacDonald Author and Commercial Risk Consultant,President of Informus Inc 2 Vista Humber Drive Toronto, Ontario Canada, M9P 3R7 Toronto Telephone - 416-245-4994 New York Telephone - 929-800-2397 imacd@informus.ca

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 -- O (ne)poslušnosti mluvím poslední rok často; zmiňuji ji v mnoha vystoupeních na různá témata, protože mě to k ní vede z různých stran a přijde mi opravdu zásadní – až tak, že bych jí rád věnoval samostatnou přednášku. A jelikož se jedná o zářiovou přednášku, samozřejmě v ní nebude chybět téma vzdělávání a systém státního školství; ty jsou totiž s (ne)poslušností úzce spojeny. Rád bych se zabýval (ne)poslušností v různých kontextech, a to ve volnotržním i státním prostředí (včetně legislativních či vlastnickoprávních hranic); chci se věnovat i „typům“ (ne)poslušnosti – včetně jejich důsledků. Kdy (ne)poslušnost škodí? A komu? Jak souvisí se strachem, a tedy vnitřní svobodou? Jak s tou vnější? Nejen tyto otázky budeme na přednášce otevírat… Prezentace: https://prednasky.urza.cz/grail/ – 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/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/

On this episode of Simply Money presented by Allworth Financial, Bob and Brian explain why inflation and interest-rate cycles look scarier in headlines than they are for long-term investors—zooming out from Volcker to near-zero rates to today to show how markets normalize. They turn that history into action: how to position cash and bonds as rates shift, match time horizons to risk, and avoid headline chasing. Plus, the Social Security number that really matters (your FRA), a candid long-term-care playbook (insurance vs. self-funding and family coordination), and Ask the Advisor on LTC costs, cyber fraud basics, trusts vs. PODs, and Roth vs. pre-tax 401(k).

This week, Diane compares 10 year hybrid Life/LTC plans with 10 year paid up funding for a couple age 50, age 60, and age 70 to share why it's so much better for everyone when we plan early. Even though we don't want to think about it, at age 50, we need to consider what our 70 year old self, our 80 year old self and even our 90 year old self may be like and what kind of help we may need. Genuinely see the older people around you - your family, people at the grocery store, people walking out to their mailbox to get the mail.  Are they moving more slowly or unbalanced as compared to how they may have been able to move around 10, 20 or 30 years ago? Why would we really think we'll be different? By starting at age 50 onstead of 60, you could save hundreds of thousands of dollars in premiums over your lifetime, get your policies paid in full before you retire and then have 10 times what you paid in premiums to pay for care needs wherever you and your family and doctor sees as the best and safest place for you to live and get help living. You'll know you have a plan for when things don't go as planned. View current and projected costs od care where you live  and remember to use a 5% cost of living adjustment when considering future costs as that is the average rate of inflation on LTC services. Schedule a phome or zoom meetign to start designing your plan

Any donation is greatly appreciated! 47e6GvjL4in5Zy5vVHMb9PQtGXQAcFvWSCQn2fuwDYZoZRk3oFjefr51WBNDGG9EjF1YDavg7pwGDFSAVWC5K42CBcLLv5U OR DONATE HERE: https://www.monerotalk.live/donate TODAY'S SHOW: In this episode of MoneroTalk Douglas Tuman sits down with Monero Matteo for a discussion on Monero and its future. Matteo shares why he seldom does interviews, his work as an accountant specializing in Monero, and the challenges of helping businesses adopt privacy-focused tools. They dive into Monero's potential for decentralized capital markets, business-friendly features like view keys and transaction tagging, and hurdles such as accessibility and accounting integration. The discussion also explores Monero's philosophy—privacy as resistance to surveillance, the role of proof-of-work, and the community's “big tent” culture. The episode closes with reflections on freedom, ethics, and Monero's role in protecting human autonomy. TIMESTAMPS: (00:01:08) Intro and Matteo's Current Activities in Alaska (00:06:35) Matteo as the "Monero Accountant" and Client Misconceptions (00:09:32) Exciting Developments in Monero Technology (00:14:36) Accounting Challenges with Monero and Potential Solutions (00:38:30) Barriers to Monero Adoption (00:54:26) The Cultural Aspects of Monero and Its Community (01:02:31) Ethical Use Cases and Presentation of Monero (01:08:02) Philosophical Implications of Privacy and Freedom (01:14:16) Technology, Humanity, and Monero's Future GUEST LINKS: https://x.com/@moneromatteo 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/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/

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/

Raymond Lavine is a principal at Lavine LTC Benefits, specializing in long-term care insurance benefits for individuals, families, and businesses. He has appeared on television, featuring on Moving America Forward. He has also been a guest on numerous podcasts, discussing topics related to long-term care insurance and other financial matters. Raymond achieved Amazon Best-Seller Status "Empathy and Understanding In Business" alongside acclaimed author Chris Voss.https://www.seniorcareauthority.com/resources/boomers-today/Learn when you may need caregiving services and how much caregiving will costhttps://tinyurl.com/33bxe9hnhttps://app.joinwaterlily.com/prod/api/public/intro-intake-form/umm3-74y?should_send_client_email=true

This episode explores Americans' financial well-being in 2025, using a Yahoo Finance/Marist survey as the springboard. Don and Tom discuss how their audience differs from the average American listener, how perceptions of financial health can be misleading, and what to actually do if your finances—or your feelings about them—are getting worse. They debate the usefulness of net worth tracking, stress the importance of financial literacy, and suggest automating savings. Listener questions cover indexed annuities, bond substitutes, tax implications, and long-term care sales pitches. They also read a letter defending Rick Edelman and challenging their dismissal of crypto, which leads to a lively discussion about evidence-based investing, Eugene Fama's critique of Bitcoin, and the dangers of sensationalized advice. They end with a reflection on public criticism and the value of having one's views challenged. 0:29 Comparing TRM listeners to Ramsey and Kiyosaki audiences 1:37 Median savings for over-65 Americans and why $200k still isn't enough 2:42 Yahoo/Marist survey results: affordability, debt, emergency savings 3:50 One in three say finances worsened; generational breakdown 4:51 Explaining net worth, what to include and exclude 7:01 Tracking net worth annually as a financial benchmark 8:00 Divorce, net worth, and the joke about “kill them off” 9:50 Income gap, gender differences, and perception vs. reality 10:34 How uncertainty and fear shape financial outlooks 11:41 Producer note joke about being “sexist but not leftist” 11:50 Dissatisfaction with savings and personal spending habits 13:06 Fixing bad finances: literacy, automation, benchmarking 17:20 Don argues perception matters more than reality for many 18:20 Listener question: fixed index annuity as bond substitute 19:46 Caps, participation rates, and underperformance vs. markets 21:10 Tax treatment of annuities vs. ETFs 22:55 Importance of advice near retirement (decumulation phase) 23:44 Listener shares bad LTC/annuity sales pitch experience 24:54 Fixed annuity guarantees vs. CDs and government bonds 25:39 Listener defends Rick Edelman, suggests an open dialogue 26:52 Don's critique of Edelman's shift toward sensationalism 29:29 Eugene Fama's comments on Bitcoin, clash with Edelman's stance 31:23 Public criticism is fair game—reading recent Apple Podcast reviews 32:48 Bitcoin adoption debate and institutional incentives Learn more about your ad choices. Visit megaphone.fm/adchoices

It's football season!  This week, Diane compares football to LTC planning. Every team needs a quarterback, position players and a strong defense. We also need depth - a back up plan in case something or someone isn't the right fit for our needs. We need strategies and gameplans so we are prepared for tomorrow.   The most difficult part of LTC planing is we never know what we're going to need to defend against or when we need to be ready to defend.  No one is sending a schedule in advance, so we need to prepare today to have the best plan we can obtain no matter who our opponent is. I'll be your coach and help you strengthen your strategies and your team so you can all be Prepared for Tomorrow. Email me at and I'll email you a Planning Guide to help you start thinking about how and where and with whom you would want to live if you can no longer live independently. Schedule a phone or zoom meeting wih me to start designing your gameplan

On this week's episode of Unlimited Capital, Richard McGirr interviews Ryan Watts. Ryan shares how he co-founded Red River Development and scaled a Build-to-Rent platform to 1,900 units and $600M AUM by leaning on RIAs, family offices, high net worth investors, and a robust fund-manager channel. He explains why they prioritize prerecorded webinars, turnkey deal rooms, and third-party experts to help fund managers raise faster with more credibility. Ryan also previews their 206-home Waco, Texas BTR project, outlining a conservative 65% LTC capital stack, a merchant-build strategy targeting 2x equity, and why Texas demand makes the story compelling. Ryan WattsCurrent role: Co-Founder, Red River DevelopmentBased in: Dallas, TexasSay hi to them at: https://redriverdevelopment.com/ | LinkedIn This is a limited time offer, so head over to aspenfunds.us/bestever to download the investor deck—or grab their quick-start guide if you're brand new to oil and gas investing. Visit investwithsunrise.com to learn more about investment opportunities.  Get 50% Off Monarch Money, the all-in-one financial tool at www.monarchmoney.com with code BESTEVER Get a 4-week trial, free postage, and a digital scale at ⁠https://www.stamps.com/cre⁠. Thanks to Stamps.com for sponsoring the show! Join the Best Ever Community  The Best Ever Community is live and growing - and we want serious commercial real estate investors like you inside. It's free to join, but you must apply and meet the criteria.  Connect with top operators, LPs, GPs, and more, get real insights, and be part of a curated network built to help you grow. Apply now at ⁠www.bestevercommunity.com⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

Tom kicks off with a check-in on bond market returns, reminding listeners that bonds are about stability, not yield-chasing. He's joined by advisor Roxy Butner, who helps answer listener questions about fixed-allocation vs. target-date funds, how much international exposure is enough, Ameriprise “CL” fund share classes with high fees, and whether hybrid long-term care annuity products are worth considering. Together they emphasize cost awareness, simplicity, and aligning investments with real-life needs instead of sales-driven products. 0:04 Intro and bond returns update (BND, DFIGX, SWSBX) 2:30 Why bonds belong in portfolios despite modest returns 2:47 Mailbag intro with Roxy Butner 3:13 Shelly asks about fixed-allocation vs target-date funds 5:34 Balanced vs LifeStrategy funds and international exposure 7:01 Frank asks about U.S. vs international allocation split 8:23 AVGE, DFAW, and “overthinking” the international percentage 10:39 Decades of U.S. vs international performance 11:15 Angie asks about Ameriprise “CL” fund share classes 13:32 Expense ratios and fiduciary concerns 14:54 Comparing low-cost index alternatives 15:18 Ford asks about hybrid LTC annuity products 17:30 Income planning first vs peeling off money for LTC 18:34 Real-life client experiences with LTC riders 20:33 Policy complexity, surrender decisions, and care costs Learn more about your ad choices. Visit megaphone.fm/adchoices