Podcasts about Magi

Will AI Replace Pet Sitters? My Honest Answer After 4 Years All-In Will AI replace pet sitters? No. People come to you for you, and AI can't replace that. But here's the part nobody wants to hear: it will replace the pet sitters who refuse to use it. In this very personal episode, Bella shares the 4-year evolution that took her from losing the love for her business to working all day because she's excited to. Timestamps [0:00] — Why this episode, and why Bella is talking heart to heart [1:11] — Self-led growth vs. things happening to you [3:35] — The 2022 “crack” — ChatGPT comes online [4:48] — Bringing AI into the Mastermind and getting in the sandbox [6:23] — Why “Better Marketing with Bella” stopped feeling aligned [9:14] — Going all-in: AI in everything, and firing most clients [11:03] — Training on demand and the empowerment shift [16:11] — AI slop vs. strategy, and the “leaky boat” website [20:30] — “Then what good am I?” — the identity crisis [22:22] — People come to you for you — double down on what's yours [25:36] — You can clone yourself now: voice, writing, video [28:09] — Working with businesses outside the pet industry [30:27] — The bigger why: AI literacy for kids and the underprivileged [31:45] — Get the audit, book a call, and please leave a review In This Episode You'll Discover The 2022 “crack” that changed everything, and why Bella went all-in on AI Her honest answer to “if anyone can ask ChatGPT what Bella would say, then what good am I?” Why most pet business websites are “leaky boats” quietly costing them clients The difference between actually using AI and putting out “AI slop” Bella's bigger mission: teaching AI literacy to children and the underprivileged About This Episode In this episode, Bella gets personal about the evolution she's been hinting at for the past couple ofQuestions? Ask Bella before you guess. | Bella in Your Business | jumpconsulting.net | Keep jumping! years. She walks through the moment in 2022 when ChatGPT came online, the identity questions that came with it, and the decision to rebuild her Mastermind and her marketing entirely around AI. She answers the question every expert is about to face, makes the case for why anyone teaching you who isn't using AI is doing you a disservice, and shares the bigger vision that's now driving her work. This is Bella sharing her heart, so you understand exactly where she is and where she's going. Resources Mentioned Free Website Audit See where your website stacks up for SEO and AI search. Free for now. Talk With Bella (20 min)  Get on Bella's calendar and ask her anything. AI For The Busy Human + 43 Prompts Bella's daily podcast solving one busy-human problem with AI. Frequently Asked Questions Q: Will AI replace pet sitters? A: No. AI can't replace the trust, judgment, and relationships a pet sitter builds with clients and their pets. People hire a pet sitter for the human behind the business. What changes is that pet sitters who refuse to use AI will fall behind the ones who do, because AI now handles the marketing, content, and admin work faster. The work in the field stays human. The work behind the scenes is what gets transformed. Q: Will AI replace dog walkers? A: No. Dog walking is a hands-on, in-person service that AI simply cannot perform. What AI changes is the business side: scheduling, client communication, and marketing. Dog walkers who adopt AI get time back and reach more clients, while the actual walking stays exactly what it has always been. Q: Do I need AI in my pet business? A: Yes, as a tool. Bella compares ignoring AI in 2026 to refusing to use a computer or a cell phone in your business. It's no longer optional if you want to stay competitive. You don't have to automate everything overnight, but you do need basic AI literacy and a willingness to get in the sandbox and play. Q: What is “AI slop” and why is it bad for my business? A: AI slop is generic, lifeless content that looks obviously machine-made: stock-looking graphics, copy with none of your keywords, and posts that could belong to any business in any town. It's bad because it doesn't carry your unique value, it doesn't help your SEO, and it can actually put potential clients off. Good AI use takes your secret sauce, your tone, and your words, and makes them sharper, not generic. Q: How can a pet business owner start using AI? A: Start small and get curious. Pick one repetitive task, like writing a press release or building anQuestions? Ask Bella before you guess. | Bella in Your Business | jumpconsulting.net | Keep jumping! SOP, and use AI to do the first draft. The goal early on is not perfection, it's playing in the sandbox and learning what's possible. From there, build AI into your content, your hiring, and your website so it works for you in the background. Connect with Bella Website Sessions with Bella The Jumpers Mastermind Subscribe to Bella in Your Business Bella's Website Find Bella on Instagram and Facebook Full Episode Transcript Bella (00:03.284) Last episode I teased that I was gonna tell you what I've been going through the past couple of years. And I've done a lot of thinking about it. I have done writing about it, I have outlined it. I've even recorded this actual podcast twice already and decided to just like throw it all away. So right now it's I'm just gonna talk to you. I do have a little bit of an outline, and I Do not apologize ahead of time if I go off into tangents, because this is gonna be one of those episodes like when I was on my road trip and I talked to you and it's just gonna be me and you. I even thought about like moving my whole rig out to my living room and sitting on the couch with my big furry blanket because it just kind of felt like that was the feeling I wanted to come across with. But I digress. Hi, this is Bella with Bella in your business, the 270th episode. I'm sorry, not 270, 470th episode. What? I think it's a good place to start because I have had a lot of evolution as I hope that you have two in your life. And I hope that your evolution has or I want to encourage your evolution, your future evolution to be self-led instead of things are happening to me. I believe that we can make things happen for ourselves, but that we have to have a conscious mind. in order to do it and not be stuck in groundhog day every single day doing the same thing over and over. Cause that's just the way that we do it, right? Like I believe that we all need to think about our reactions and and our responses. And that there's Rumi said that there's power between what happens and our response. There's that that little window there. And the more we can create that, we have more of an opportunity to think. And that's a really great way to set up everything I'm about to tell you today. Bella (02:07.602) back in 2022, I'm gonna go all the way back there. I feel like I was like four different versions of myself. But I was I maybe I should start 2018. I started the mastermind and I started better marketing with Bella. Okay. And what we did is in the mastermind, it was the first mastermind ever and in our industry. And the way it was set was that what it was back then is not what it is today. and it's by design because we've evolved and things have changed. And I don't believe in teaching the same thing over and over and over again. I believe in evolving with the world and how people buy and how people receive information and just everything. Marketing with Bella has been evolving. It first started where we only had six people and we would create things for them that we don't necessarily we didn't create years later because Social media changed. And so we started providing videos and we started doing all this other stuff. And then social media keeps changing. And so the program kept changing. and so all of this change is necessary a necessity because things that worked a couple of years ago aren't gonna work now, and that's even more so. It's like how agile, like how much can you bend and ebb and flow to things? But you have to be seeing that this stuff is happening. So back in 2022, the crack happened. My team was already secretly using what we called Jarvis, which it was to help us write some blogs and scripts and things. and by the end of 2022, the November 2022, the last week, it was like Thanksgiving-ish. Chat GPT came online. And I was one of the first million people to join. At the recording of June 8th today, they announced last week that there's now one billion with a B. Beef or boy, people using Chat GPT. And it is historically the fastest growing app software ever. And it has taken on like a firestorm. As you probably know, you probably have a login for it. and so that happened, and it was like, ooh, what's this nice new shiny thing? You know, there's so many people making predictions, and but the predictions were still, you know, the predictions are the predictions, but the timeline. Bella (04:32.29) was the hard part to nail in. And I'm listening to all these amazing thought leaders. And that was when I started listening to podcasts and following people way smarter than me and following these tech companies and paying attention to their announcements and the commentary that comes from it. And in 2023 in the mastermind, I had Dustin who created Magi. I knew Dustin from all of my social media marketing days and speaking on stages around the world because he too Was a marketer who would start like lots of different companies. And finally, you know, Magi comes together fast forward to today in 2026. It's wildly amazing and helps tons of people. what Magi does is it takes all the LLMs, put it under one roof. So you only have one login, one password, and one price. Instead of paying $20 for like five different things, it's one. and I had him come into the mastermind to talk to us about AI because he was engulfed

Kjell-Gabriel har vært i kjelleren og funnet en godbit. Det er 2022 som er i salg nå av Chryseia og vår venn drakk 2017. See omnystudio.com/listener for privacy information.

Hayden tries to find Jesus in the Torah. Was Jesus a Jew? Let's deep dive into some dark topics. Will Smith as Hitler, Black Coats, Magi, Kanye West, and more Black Comedy.

Welcome to the Christmas series! Magi, masters of alchemy and astronomy, notice an anomaly in the constellations. Their curiosity leads them to the scriptures, where they become convinced God has done something miraculous.  Sign up for special devotionals at StoriesoftheMessiah.com. As we dive deeply into iconic Bible heroes' enthralling narratives, we find more than just stories of faith and miracles. We discover a recurrent theme, a spiritual undertone that connects each tale to the grandeur of the Gospel. They're not just standalone legends; they're threads in a divine tapestry, weaving a story that foreshadows Jesus Christ, the ultimate hero, the promised Messiah who brings light to the darkest corners of history. For more Bible stories download the Pray.com app.  To learn more about Rabbi Schneider visit https://discoveringthejewishjesus.com/  Learn more about your ad choices. Visit podcastchoices.com/adchoices

Mens Trumps særlige udsending i Grønland, guvernør Jeff Landry, tumler rundt i Nuuk, står det klart, at resten af verden simpelthen ikke tager Trump lige så alvorligt, som vi plejer. Der er en hel del trækken på skuldrene over, hvad præsidenten siger - både ude i verden og hjemme i USA. Topmødet i Beijing viste også, at Kina snørede og narrede ham. Mads og David taler om Trumps svækkede magi. Værter: Mads Fuglede og David Trads Redaktør: Jacob Grosen Klip og produktion: Cecilie Aagaard Hansen Foto: Kent Nishimura / AFPSee omnystudio.com/listener for privacy information.

In this episode of Tax Tuesday, Anderson Advisors' Barley Bowler, CPA, and Eliot Thomas, Esq., answer listener questions covering a broad range of real estate, retirement, and investment tax topics. They break down cost segregation studies and depreciation recapture, explaining how bonus depreciation accelerates deductions and how 1031 exchanges and stepped-up basis can help investors defer or eliminate gain entirely. They address whether vacated rental rooms can qualify as deductible office space, and walk through how multi-state 1099 income is taxed when a worker performs services in Kansas for California patients through a Utah company. Barley and Eliot also clarify how MAGI determines the taxable portion of Social Security benefits in retirement, and confirm that qualified retirement plan distributions are protected from California taxation once a taxpayer has established residency in Nevada. Additional topics include 529 college savings plans for children attending accredited foreign universities, combining Roth IRAs with a payroll strategy for minor children, when Schedule E versus Schedule C applies to short-term rental income, and the significant hurdles of qualifying for Trader Tax Status — along with an alternative C-corporation trading structure that may offer far greater and more reliable tax advantages. Tune in for expert advice on these topics and more! Submit your tax question to taxtuesday@andersonadvisors.com Highlights/Topics: [00:00] Intro to Tax Tuesday with Eliot and Barley [7:10] "I would like to know more about cost segregation and depreciation recapture on property sales." Cost segregation accelerates deductions upfront. Recapture taxes those gains at ordinary rates upon sale. [18:00] "At the beginning of this year, I moved into a new home. At my previous residence, I had been renting two rooms, and I am currently working to sublet them. I am still on the lease and committed to covering the cost of those two rooms until I find replacements. My question is: since I am continuing to pay for these rooms, would it be possible to classify them as office space and potentially use them as a tax deduction?" Have your business assume the lease directly. That creates a clean, legitimate deduction. [22:53] "My wife is doing remote 1099 work, and I had a question on where state taxes are due. We live in Kansas and she performs the work from a home office or rented office space in Kansas. She is performing this work through a contracting/locums company based out of Utah, but the current work she is providing is for patients in California. Do we pay KS or CA state income tax for this 1099 work?" Both Kansas and California claim the income. Kansas credits taxes already paid to California. [29:35] "Taxes in retirement: we know you can be taxed on Social Security. We don't know the details. How much can you make to avoid being taxed? Does the IRS include all incomes, passive and active? We just don't have details." Between 50–85% of benefits may be taxable. MAGI includes all income, even tax-exempt interest. [36:54] "I have been a Nevada resident for 2 years. I started my retirement from a California corporation this year. Can California tax my retirement benefits now that I am a NV resident?" No. Federal law fully protects qualified retirement benefits paid to Nevada residents. [40:55] "I am a business owner in Texas. My twin kids are growing up in a foreign country with their cousins. They may want to pursue higher education there. I haven't started a 529 college savings plan yet. If they decide not to go to college at an American university, what would be the best type of tax-sheltered account to invest in, for the kids?" 529 plans cover accredited foreign universities. Combine with a Roth IRA for maximum impact. [48:17] "Is it okay to use Schedule E to report short-term rental income?" Yes, if you provide only minimal services. Substantial services push income to Schedule C. [53:55] "For 2025 tax year, I made more than 800 trades - frequently - 3 days/week throughout the year. I made profits both from long-term investing and short-term trades. Am I eligible for Trader Tax Status and able to deduct my expenses in 2025 filing (I applied for extension)." Trader Tax Status is highly subjective and audit-prone. A C-corp trading structure is safer. Resources:

Work-in-Progress talks with Hessam Abedini, PhD candidate, Comparative Literature and 2025–26 OHC Dissertation Fellow. This project examines how to translate the Persian epic Shahnameh (AD 1010) without imposing Western literary conventions on it. Previous English translations have compared the Persian poet Firdausi to Homer, distorting the epic's unique cosmological framework that blends pre-Islamic Iranian traditions, Islamic theology, and Neoplatonic philosophy. The research proposes translation methods that preserve Iranian concepts like divine glory and cosmic order, allowing readers to encounter this masterwork on its own cultural terms rather than through Western frameworks. 025–26 OHC Dissertation Fellow. This project examines how to translate the Persian epic Shahnameh (AD 1010) without imposing Western literary conventions on it. Previous English translations have compared the Persian poet Firdausi to Homer, distorting the epic's unique cosmological framework that blends pre-Islamic Iranian traditions, Islamic theology, and Neoplatonic philosophy. The research proposes translation methods that preserve Iranian concepts like divine glory and cosmic order, allowing readers to encounter this masterwork on its own cultural terms rather than through Western frameworks.

Pastor Michael Torres - Matthew 2:1-12. Sunday, May 17, 2026Click To View Slideshttps://docs.google.com/presentation/d/1-mnQkxsObpmH3skydRf09yjkCjA3ejQm/edit?usp=drive_link&ouid=109643752056010674706&rtpof=true&sd=trueOur Location : https://goo.gl/maps/2tAhVnZGbEavLP2C9Website: https://calvaryitl.orgGive: https://calvaryitl.org/giveYou can also donate via your phone directly by texting “itlGive" to 888-364-4483Follow on Spotify: https://open.spotify.com/show/1U1Y6LJUioUoayFRwmzgfyFollow on Apple: https://podcasts.apple.com/us/podcast/calvary-chapel-into-the-light-podcast/id1374484093 Follow on Facebook: https://www.facebook.com/CalvaryITLFollow on YouTube: https://www.youtube.com/user/CalvaryITLFollow us on Instagram: https://www.instagram.com/calvarychapel_itl/ 

Pastor Michael Torres - Matthew 2:1-12. Sunday, May 17, 2026Click To View Slideshttps://docs.google.com/presentation/d/1-mnQkxsObpmH3skydRf09yjkCjA3ejQm/edit?usp=drive_link&ouid=109643752056010674706&rtpof=true&sd=trueOur Location : https://goo.gl/maps/2tAhVnZGbEavLP2C9Website: https://calvaryitl.orgGive: https://calvaryitl.org/giveYou can also donate via your phone directly by texting “itlGive" to 888-364-4483Follow on Spotify: https://open.spotify.com/show/1U1Y6LJUioUoayFRwmzgfyFollow on Apple: https://podcasts.apple.com/us/podcast/calvary-chapel-into-the-light-podcast/id1374484093 Follow on Facebook: https://www.facebook.com/CalvaryITLFollow on YouTube: https://www.youtube.com/user/CalvaryITLFollow us on Instagram: https://www.instagram.com/calvarychapel_itl/ 

(Sermon) Matthew: The Magi Visits Messiah (Jesus) Matthew 2:1-23 The Magi Visit the Messiah (Jesus): Matthew chapter 2 verses 1-12 The Escape to Egypt: Matthew chapter 2 verses 13-18 The Return to Nazareth: Matthew chapter2 verses 19-23 (Resources) YouTube: Apologia Studios & Church w/ Pastor Jeff Durbin apologiastudios.com; Voddie Baucham ; Dr. R C. Sproul: Ligonier Ministries; Ray Comfort-Living Waters livingwaters.com; Ken Ham-Answers In Genesis answersingenesis.org; Wall Builders w/ David Barton wallbuliders.com; Dr. Walter Martin waltermartin.org; Bible Education Institute is on Video Plarforms: YouTube & Rumble; Podcast Platforms: Stitcher, Apple, Spotify, Amazon , Audible, Amazon Music, Facebook, Overcast,, Chrome, gPodder, Firefox, Safari,, iTunes, Alexia, Podbean, Internet Explorer & Podcast Addict, Listen Notes, Luminary Podcast, Player FM & others. Website: 5dbe1182e5831.site123.me Email: bibleeducationinstitute@gmail.com Donate: We greatly appreciate your donations to help reach as many people as possible. Thank you Please copy / paste and put on your computer or phone top search engine. https://www.paypal.com/donate?hosted_button_id=TYN64GZ6YLD7C Wanted: The Brave, Joshua 1:9, Kirk Cameron https://youtu.be/fBTv07MjwAA Watch "Christians Will Win Down Here | Jeff Durbin" on YouTube https://www.youtube.com/live/IZ6EqLug0Sc?feature=share (Sermon) How to Save a Nation, Rev. Henry Kelly, Bible Education Institute

Join the Chaldean Sisters, Daughters of Mary Immaculate for a daily journey through the Month of Mary. Each day, the Chaldean Sisters will share a short prayer and reflection drawn from the Chaldean liturgy and the wisdom of the Church Fathers. These meditations, thoughtfully compiled by Sr. Martina, invite you to grow closer to Jesus through His Blessed Mother. This series begins on May 1 and continues throughout the month, with daily reflections available in both English and Arabic. Music: "Shlama Illakh Mleetha" by Wisam Behnam and Valene Jadan

Join David Lee Corbo (The Raven) and Top Lobster on Nephilim Death Squad as they welcome best-selling author Brian Godawa for an epic deep dive into his new Daniel Trilogy (Chronicles of the Watchers series). Godawa reveals how he retells the biblical story of Daniel in Babylon with the supernatural lens of the Watchers, fallen angels masquerading as gods like Marduk, Ishtar, Baal, Asherah, and Nergal.  Discover why Daniel studied the language and literature of the Chaldeans (divination, astrology, astronomy) without compromising, how the Magi followed the Bethlehem Star 500+ years later, and the explosive spiritual warfare behind earthly kingdoms—including the Prince of Persia vs. Prince of Greece. Godawa breaks down his research on Daniel NOT being a eunuch, the love story with his Jewish maidservant, his friends Shadrach, Meshach, and Abednego (one portrayed as autistic), and how the book fills in the biblical gaps with historical and mythological accuracy.  Plus: Parallels between ancient Jezebel (child sacrifice, feminism archetype) and modern culture, the alien deception, Bohemian Grove event details, and why understanding the Watcher paradigm changes everything about spiritual warfare today. Godawa also discusses his full series—Chronicles of the Nephilim, Chronicles of the Apocalypse, Judah Maccabee, and Jesus Triumphant—plus the research appendices that prove it's all biblically grounded.  Get your tickets to Bohemian Grove (Wildwood, Florida) before they sell out: toplobsta.com Buy "Daniel: Exile in Babylon" (eBook, paperback, audiobook) and the full Chronicles of the Watchers series: godawa.com or Amazon Support Nephilim Death Squad early access, ad-free episodes & merch: patreon.com/NephilimDeathSquad  0:00 - Intro & Bohemian Grove Event Promo (Wildwood, Florida Tickets)3:45 - Patreon Support, Nephilim Death Squad Communities & TopLobster Merch6:20 - Guest Introduction: Brian Godawa (godawa.com)9:10 - Official Trailer for "Daniel: Exile in Babylon" (Chronicles of the Watchers)12:05 - Chronicles of the Watchers Series Overview – Fallen Angels as Gods of the Nations17:30 - The War of the Seed & Deuteronomy 32 Watcher Paradigm Explained22:40 - Jezebel Book Deep Dive: Archetypes, Feminism, Child Sacrifice & Modern Parallels29:15 - Elijah vs Prophets of Baal on Mount Carmel – Spiritual Warfare Behind the Scenes33:50 - Why Brian Godawa Chose Daniel for a Trilogy (Prophecy, 70 Weeks, Revelation Links)39:20 - Daniel Chapter 1: Babylonian Schooling, Wise Men Training & Chaldean Literature46:05 - Was Daniel a Eunuch? Historical Research & Love Story Reveal52:40 - Magi Connection: Bethlehem Star, Astronomy vs Astrology & Mazaroth (God's Story in the Stars)1:01:10 - Daniel's Character Arc – From Royal Pride to Unshakable Faith1:08:35 - Shadrach, Meshach & Abednego – School Bullies, Autism in Hananiah & Harry Potter Vibes1:15:50 - Spiritual Realm in the Novel: Marduk, Ishtar, Nergal, Anzu Bird & Mushu Dragons1:23:40 - How the Spiritual Warfare Mirrors Earthly Kingdoms (Prince of Persia vs Prince of Greece)1:29:20 - “Are You Having Fun?” – Brian Godawa's Hollywood to Biblical Fiction Journey1:33:45 - Where to Buy the Books + Spiritual World of Daniel Research Appendix1:36:10 - Final Thoughts & OutroBecome a supporter of this podcast: https://www.spreaker.com/podcast/nephilim-death-squad--6389018/support.☠️ Nephilim Death Squad — New episodes 5x/week.Join our Patreon for early access, bonus shows & the private Telegram hive.Subscribe on YouTube & Rumble, follow @NephilimDSquad on X/Instagram, grab merch at toplobsta.com. Questions/bookings: chroniclesnds@gmail.com — Stay dangerous.

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Jim and Chris discuss emails on Social Security survivor benefit strategies, IRMAA exceptions, Roth conversion timing during market downturns, and the implications of naming IRA beneficiaries directly versus routing assets through a trust. (8:15) A listener whose husband plans to delay Social Security to 70 while she claims early at 62 asks whether she can still receive the maximum survivor benefit if he passes away before reaching 70. (19:30) The guys field a question about whether the SSA-44 reduced work exception to IRMAA applies when the reduction in earned income is far too small to bring MAGI below the applicable tier. (31:00) Jim and Chris address whether it makes sense to front-load Roth conversions during a market downturn so that subsequent recovery gains are captured tax-free. (1:06:00) George wants to better understand the mechanics a trustee must navigate when distributing IRA assets to trust beneficiaries, compared to simply naming beneficiaries directly on the account. The post Social Security, IRMAA, Roth Conversions, IRA Beneficiaries: Q&A #2618 appeared first on The Retirement and IRA Show.

For many Americans approaching retirement, financial planning means more than just maximizing savings and deciding when to claim Social Security. If you're not yet eligible for Medicare and rely on health coverage through the Affordable Care Act (ACA), your Social Security claiming decision at age 62 could have a dramatic effect on your insurance costs. On the show this week, I explore the nuances of how your income, and especially the timing of your Social Security benefits, can impact your eligibility for ACA premium tax credits—and what you can do to avoid costly surprises. You will want to hear this episode if you are interested in... [00:00] Retirement income and tax planning [03:35] Understanding ACA tax credits [07:44] Managing income for ACA tax credits [10:38] Social Security and tax calculations [14:57] Strategies for tax-free income access   Are ACA Premium Tax Credits, and Why Do They Matter? Premium tax credits, often referred to as ACA subsidies, are financial incentives designed to make health insurance more affordable for individuals and families who purchase coverage through healthcare.gov or a state exchange. These credits are contingent on your income, specifically your household's Modified Adjusted Gross Income (MAGI). For 2026, a single person can qualify for ACA subsidies if their MAGI is between 100% and 400% of the federal poverty level (FPL)—$62,600 in 2026 for an individual, and $84,600 for a couple. If you earn even $1 above this ceiling, you lose your entire premium subsidy—a phenomenon known as the "subsidy cliff".  With millions of Americans currently receiving subsidies, understanding how your retirement income decisions could threaten this benefit is essential for sound financial planning.   How Income Is Calculated for ACA Subsidies Not all income is created equal when it comes to ACA subsidies. The government uses your MAGI, which is your Adjusted Gross Income (AGI)—the number found on your tax return—plus certain items like tax-exempt bond interest and non-taxable Social Security benefits. This includes: Wages and self-employment income Social Security benefits (both taxable and non-taxable portions) Retirement account distributions (except Roth IRAs or Roth 401ks) Rental, interest, and dividend income Capital gains   Additionally, some deductions, like contributions to IRAs, HSAs, and student loan interest, can reduce your AGI, and thereby your MAGI, giving you potential tools for staying below the subsidy cliff.   The Social Security Timing Dilemma Collecting Social Security early at age 62 may sound appealing, but it comes with strings attached for ACA recipients. A critical point is that not all of your Social Security benefits are necessarily taxable. However, when calculating MAGI for ACA purposes, you must add back even the non-taxable portion, which can push your income above the subsidy threshold. For example, if you take a modest IRA distribution and also begin Social Security, the cumulative MAGI could surprise you.    Strategies to Preserve Your ACA Subsidy Given the high stakes, careful income planning is essential for anyone under 65 not covered by Medicare and receiving an ACA subsidy. You could delay Social Security, as waiting to claim benefits may help keep your income lower. You could also draw from Roth accounts or savings, withdrawals from Roth IRAs or 401(k)s—provided they're qualified—don't count as income. Likewise, using savings or HSA reimbursements has no impact on MAGI. IRA, HSA, and 401(k) contributions can reduce your MAGI, especially if you miscalculated and need to lower your income late in the year. The most important thing to do is plan withdrawals: Time your IRA or 401(k) distributions and capital gains so they don't coincide with years when you're dependent on ACA subsidies.   Avoiding the "Subsidy Cliff" Surprise Perhaps the most important lesson is to monitor your income projections carefully throughout the year and to report your expected MAGI precisely when applying for coverage. Exceeding the threshold by even a small amount can cause you to lose your subsidy, resulting in thousands of dollars in unexpected premium costs come tax time. Retirement planning requires a big-picture approach that balances income sources, tax implications, and healthcare costs. If you're considering Social Security at 62 and not yet on Medicare, pay close attention to how your income choices will affect your ACA subsidy—because when it comes to the "subsidy cliff," every dollar counts.    Resources Mentioned Retirement Readiness Review Subscribe to the Retire with Ryan YouTube Channel Download my entire book for FREE  Episode 267: Surviving the ACA Subsidy Cliff   Connect With Morrissey Wealth Management  www.MorrisseyWealthManagement.com/contact Subscribe to Retire With Ryan  

This episode explores how Perugia functioned as a dynamic center of Renaissance art and how Perugino emerged as its most influential painter. It considers the city's political, religious, and economic structures as active forces shaping artistic production, while examining how workshop practices, patronage, and regional identity intersected with broader Florentine influences.At the heart of the discussion is Perugino's distinctive style—marked by clarity, harmony, and compositional balance—and the role his workshop played in spreading that visual language across central Italy. The episode ultimately frames Perugia not as a peripheral center, but as a key contributor to the artistic networks that helped define the transition toward the High Renaissance.Works Discussed: Perugino, Adoration of the Magi, 1470's https://en.wikipedia.org/wiki/Adoration_of_the_Magi_(Perugino,_Perugia)Perugino, Apollo and Daphnis, 1475-1500 https://collections.louvre.fr/ark:/53355/cl010064934Perugino, Decemviri Altarpiece, 1495/96 https://www.museivaticani.va/content/museivaticani/en/collezioni/musei/la-pinacoteca/sala-vii---secolo-xv-xvi/perugino--la-madonna-col-bambino-e-i-ss--lorenzo--ludovico-di-to.htmlFollow/Support/Watch: https://linktr.ee/italian_renaissance_podcastThe Florentine Renaissance CourseSupport the show

“Did God harden Pharaoh’s heart?” This question opens a discussion on divine sovereignty and free will, alongside inquiries about the ownership of cattle by Israelites during the plagues, the significance of myrrh given to Jesus, and the meaning behind God’s rest on the Sabbath. Each topic invites a deeper understanding of faith and scripture. Join the Catholic Answers Live Club Newsletter Invite our apologists to speak at your parish! Visit Catholicanswersspeakers.com Questions Covered: 01:32 – Ex 9. Regarding the 5th plague and the cattle dying. It says that the Israelites had cattle. Were slaves allowed to own cattle? 07:21 – Regarding the Myrrh given to Jesus by the Magi. Do we have any evidence that this was more than just embalming material for death but rather something tied to the priesthood? 15:08 – Regarding the sabbath. Why did God need to rest on the last day if he doesn't get tired? 22:59 – Did God take away the pharaoh’s free will when he hardened his heart in Exodus 21? 29:44 – Who did God marry at the wedding at Cana? Why are there 14 stations of the cross? 44:25 – The first will be last and last will be first. Does that mean everyone will go to heaven? 49:10 – Jesus told his disciples his Father's house has many rooms. What does that mean? 51:45 – What was the relationship God had with the Israelites and how did Jesus dying for our sins change that? What exactly changed for humans?

Southern Charm isn't just the name of a reality show, it's a skillset. A skillset that Patricia Altschul thinks she's the master of. That's why she's the perfect example of the Magi archetype. This week Jolenta profiles this complicated archetype and examines how it shows up in reality TV. Hot Mess-terpiece Insta SOURCES  Mythology: Timeless Tales of Gods and Heroes, by Edith Hamilton 45 Master Characters, by Victoria Lynn Schmidt Bravo Shows - Peacock Learn more about your ad choices. Visit podcastchoices.com/adchoices

Today's Song of the Day is “SpiceKick” from Magi Merlin's album POWER HOUSE, out July 10.

What is the Mazaroth? Did God leave a message in the stars? In this episode of The Tim Ahlman Podcast, Tim sits down with Rev. Eric Eichinger — pastor, author, and creative voice in the LCMS — to talk about his new theological thriller, Blood of the Mazaroth. Find It here: https://a.co/d/0euGdz7xThey explore the biblical mystery behind the Mazaroth in Job, the Magi, the resurrection of Jesus, biblical numerology, the descent into hell, Christian art, and why storytelling still matters for the Church today. They also get into Eric's work connected to the Reagan film, his book on Eric Liddell, and how Christians can engage culture through beauty, imagination, and truth. If you care about theology, the resurrection, Lutheran thought, Christian storytelling, or the future of the arts in the Church, this is a rich conversation.Support the showWatch Us On Youtube! Stay up to date by Joining the LCMS Current!(LCMS Current Events Newsletter)https://www.uniteleadership.org/thelcmscurrent

In 2022, the Bloomberg U.S. Aggregate Bond Index lost over 13%. Stocks and bonds fell at the same time, and the core promise of the 60/40 portfolio — that bonds protect you when equities drop — broke down completely. If you're a high-income investor relying on bonds for the "safe money" portion of your portfolio, that year should have raised a serious question: what actually belongs in that allocation? Three independent academic studies offer a surprising answer. Research from Ernst & Young found that integrating permanent life insurance as a fixed-income component produced approximately 20% more sustainable retirement income than investment-only strategies across 1,000 Monte Carlo scenarios. Wade Pfau's buffer asset research showed that drawing from a whole life policy during just three down-market years turned a completely depleted portfolio into a $2.26 million ending balance. And the Pfau-Kitces rising equity glidepath study found that the optimal retirement strategy requires a guaranteed, non-correlated foundation — exactly the role whole life cash value can fill. The mechanism isn't complicated. Major mutual insurers invest in the same bonds that sit inside bond funds, but they hold them to maturity. When rates rise, bond fund prices fall — but whole life dividend rates increase as carriers reinvest at higher yields. Then there's the tax math. A 4.5% bond yield at a 40% combined tax rate nets you roughly 2.5%. Whole life cash value growth is tax-deferred, policy loans aren't taxable income, and they don't show up in your MAGI — which means they won't trigger Medicare IRMAA surcharges. None of this means you should abandon bonds entirely. But if you're concerned about taxes, sequence-of-returns risk, and interest rate exposure, it's worth looking at what the research actually says about where whole life fits. _______________________________________________________ If you'd like to talk through how this applies to your situation, schedule a 30-minute call — no obligation, no sales pitch or if you'd prefer to write us first, you can click right here. 

Montreal artist Magi Merlin is carving out a sound all her own — blending punk, R&B, neo-soul and electronic music into what she calls “broken R&B.” With an already global and growing following, Merlin is releasing her debut album, Powerhouse, this July. Magi joins guest host Garvia Bailey to talk about finding her sound, and what it means to be an artist right now.

Magi, masters of alchemy and astronomy, notice an anomaly in the constellations. Their curiosity leads them to the scriptures, where they become convinced God has done something miraculous.Today's Bible verse is Matthew 2:2, from the King James Version.Download the Pray.com app for more Christian content including, Daily Prayers, Inspirational Testimonies, and Bedtime Bible Stories.Pray.com is the digital destination for faith. With over 5,000 daily prayers, meditations, bedtime stories, and cinematic stories inspired by the Bible, the Pray.com app has everything you need to keep your focus on the Lord. Make Prayer a priority and download the #1 App for Prayer and Sleep today in the Apple app store or Google Play store.See omnystudio.com/listener for privacy information.

Welcome to the Christmas series! Magi, masters of alchemy and astronomy, notice an anomaly in the constellations. Their curiosity leads them to the scriptures, where they become convinced God has done something miraculous. Sign up for special devotionals at StoriesoftheMessiah.com. As we dive deeply into iconic Bible heroes' enthralling narratives, we find more than just stories of faith and miracles. We discover a recurrent theme, a spiritual undertone that connects each tale to the grandeur of the Gospel. They're not just standalone legends; they're threads in a divine tapestry, weaving a story that foreshadows Jesus Christ, the ultimate hero, the promised Messiah who brings light to the darkest corners of history. For more Bible stories download the Pray.com app. To learn more about Rabbi Schneider visit https://discoveringthejewishjesus.com/ See omnystudio.com/listener for privacy information.

Jim and Chris discuss listener emails on Social Security claiming strategies, IRMAA income adjustments, a listener PSA on the Roth five-year rule, conduit trusts for minor IRA beneficiaries and I-Bond tax reporting, and an inherited IRA passing through a trust. (10:30) George asks about the Social Security “January Rule” and whether claiming in December 2027 or January 2028 would capture the most delayed retirement credits after reaching full retirement age in May 2027. (21:00) A listener who retired early and has been performing Roth conversions asks whether he can also file an SSA-44 based on his wife’s upcoming reduction in work income, even though his conversions have been elevating their household MAGI. (31:00) The guys review a listener PSA clarifying that the fifth year of the Roth five-year rule must be completed entirely—not merely begun—before the holding period is satisfied. (39:45) Jim and Chris take a two-part question on how conduit trusts handle IRA distributions inherited by minor children, and whether the annual interest-reporting election used for EE bonds can also apply to I-Bonds. (1:06:00) A listener whose father-in-law named a trust as the IRA beneficiary — rather than the daughters directly — is getting conflicting advice on whether the IRA funds must be taken immediately or if they can spread the distributions — and the taxes — over five years. The post Social Security, 5-year Rule, Conduit Trusts, Inherited IRAs: Q&A #2614 appeared first on The Retirement and IRA Show.

In this episode, Jackson and Magi do a deep dive on the recently released CSB final report covering the explosions at Dow Louisiana Operations in 2023. Miraculously, despite multiple explosions and millions of dollars in damages, there was not a single injury reported. Tune in to hear what went wrong, what went right, and the recommendations the CSB and the Amplify team have for preventing future incidents!Read the full report here!For more incident breakdowns, check out the episodes below:Episode 135 - Incident Breakdown: July 31, 2024 Ammonia Release at Cuisine SolutionsEpisode 129 - Incident Breakdown: Explosion, Molten Salt Eruption, and Fatal Injury at TS USA Liquid Nitriding FacilityEpisode 128 - Incident Breakdown: Honeywell Geismar, LA Incidents

The seventh station: Bethlehem — the House of Bread.   Jesus could have been born anywhere… but He was born in Bethlehem — which literally means house of bread.   Because He is the Bread of Life.   From the very beginning, God was revealing His plan: the Lamb who would be sacrificed, the Savior who would give His life, the Bread who would feed the world.   The shepherds came. The Magi came. And they didn't just observe…   They worshipped.   They bowed. They knelt. They gave everything.   How do you worship?   What we do with our bodies matters. Every genuflection, every kneel, every moment of reverence — it all speaks.  

Explore how meaningful travel experiences, storytelling, and thoughtful planning can enhance your retirement journey. In this episode, Roger answers listener questions on managing retirement accounts, health insurance, financial literacy, and shares inspiring stories and book recommendations.OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN(00:00) Introduction: Rock retirement with community questions and storiesROCKIN' RETIREMENT IN THE WILD(01:39) A memorable travel story from Doug in Greece and the value of experiential travelRETIREMENT LIFE LAB(03:50) The significance of experiences over souvenirs for meaningful memoriesLISTENER QUESTIONS(06:15) Addressing listener questions on managing retirement accounts and consolidating assets(06:43) Handling required minimum distributions and tax considerations for late retirees (Vern's story)(09:23) Reasons to keep or roll over 401(k) assets, including inertia, access, and creditor protection(12:32) Audio question about health insurance and budgeting(18:10) Correcting misconceptions about MAGI and ACA subsidies (Michael's feedback)(20:08) Insights on the blind spots of retirement planning software and AI's role in financial planning(23:00) The emerging role of AI as a thinking partner in retirement planning(25:43) Managing required minimum distributions and tax planning for late retirees (Michelle's situation)(28:08) Using professional help vs. DIY approaches for RMDs and taxes(31:24) Dan's pursuit of a meaningful second career in financial literacy and how to prepareON THE BOOKSHELF(35:42) Recommended bookshelf: The Art of Spending Money, Devil in the White City, Inside the Greatest Crash, and Once an EagleSMART SPRINT(41:37) Smart Sprint: Create an experiential gift to cherish memories with loved onesREFERENCESThe Art of Spending Money by Morgan HouselDevil in the White City by Erik LarsonInside the Greatest Crash by Andrew Ross SorkinOnce an Eagle by Anton MyrerAging and Healthcare Planning ResourcesConnect with Roger Whitney:Submit a Question for RogerSign up for The NoodleNote: The opinions expressed are for informational purposes only and should not replace personalized advice from licensed professionals.

Christian sparks a little "beach envy" by checking in from Florida while John Luke is stuck with the oily pond next door, and the guys get a lighthearted update on life with newborn twins. Zach and Al help trace how Jesus entered a world driven by power, fear, and control. With Rome, religious leaders, and the crowd all fighting to protect their influence, the same forces driving their decisions still show up today, pointing to a bigger story where surrender—not control—defines true power. In this episode: Matthew 3, verses 13–17; Matthew 4; Mark 9; John 1, verse 29; Psalm 139; Psalm 51; Hosea 11, verse 1; John 11; Acts 6; John 18; 1 Corinthians 15 Today's conversation is about Lessons 4 of Ancient Christianity taught by visiting Hillsdale Professor of History Kenneth Calvert. Take the course with us at no cost to you! Sign up at http://unashamedforhillsdale.com/. More about Ancient Christianity: Christ entered the world during the reign of Caesar Augustus. The tensions between Christianity and the Roman Empire shaped the daily practice of the Christian faith and led many Romans to distrust and persecute the early Christians. But Christianity also benefitted from the Roman world. And when Rome collapsed in the West, Christianity provided the hope for preserving civilization. In this free, eleven-lecture course, Professor Kenneth Calvert will explore: How the Jewish, Greek, and Roman cultures all contributed to preparing the world to hear the Gospel. Why many Romans distrusted and persecuted the early Christians. The inspiring stories of Christ, His apostles, and faithful ones throughout the first four centuries of Christianity. The arguments of key early Christian apologists—Ignatius, Irenaeus, Justin, Athanasius, and more—who defended and defined the Christian faith amidst the animosity of the Roman world. The conversion of Constantine and how he brought stability to Rome, and how the rivalry between his sons almost returned Rome to paganism. How Augustine's writings helped preserve the message of Christianity during the collapse of the Roman Empire in the West. You will discover the uncertainties, trials, and triumphs of the earliest Christians as they confronted controversies within the faith and persecutions from outside it. Join us today to discover the improbable and miraculous story of Christianity. Sign up at ⁠http://unashamedforhillsdale.com/ Check out At Home with Phil Robertson, nearly 800 episodes of Phil's unfiltered wisdom, humor, and biblical truth, available for free for the first time! Get it on Apple, Spotify, Amazon, and anywhere you listen to podcasts! https://podcasts.apple.com/us/podcast/at-home-with-phil-robertson/id1835224621 Chapters00:00 Beach Envy04:55 Twin Update09:20 Why This Lecture Gets to the Heart of It All13:30 Why Jesus Didn't Fit Any Cultural Box19:00 The Magi, Provision & God's Bigger Plan29:30 Jesus as King vs. Rome's Authority35:00 Pilate, Politics & the Pressure to Crucify41:30 Surrender & Why It Still Changes Everything — Learn more about your ad choices. Visit megaphone.fm/adchoices

In our last reading King Balak of Moab had hired Balaam, the professional soothsayer and prophet for hire, to come and put a curse on Israel. The king had heard about how Israel had plowed through the Amorites when that nation refused to let Israel pass through, and he was scared. After two attempts, Balaam finds himself unable to curse Israel, because the God of Israel is so powerful that Balaam must do as the Lord says. Our reading today begins with Balaam's third and final attempt to curse Israel, but instead, when proclaiming a fourth oracle, he prophesies the coming of the Christ. Many scholars believe that this prophecy of the star that comes from Jacob was passed down to the Magi of the gospels, who see the star and travel to see the Christ child. Numbers 24 - 1:05 .  Numbers 25 - 6:26 .  Numbers 26 - 9:20 .  Psalm 56 - 15:55 .  :::Christian Standard Bible translation.All music written and produced by John Burgess Ross.Co-produced by the Christian Standard Bible.facebook.com/commuterbibleinstagram.com/commuter_bibletwitter.com/CommuterPodpatreon.com/commuterbibleadmin@commuterbible.org

I denne specialudgave zoomer podcasten ind på torsdagens danske superaften i Parken. Aftenens helt og skurk kåres. Og så kigger vi frem mod Danmarks tirsdagsgys mod Tjekkiet, hvor der står en VM-billet på spil. Denne podcast er sponsoreret af Hello Fresh. Gå ind på HelloFresh.dk, spar op til 959 kr. og få gratis snacks med hver bestilling i 3 måneder! Vært: Lasse Vøge, B.T.s sportsredaktørGæster: Jonas Ryefelt og Johnny Kokborg, B.T.s sportsjournalisterProducer: Emilie Maja Jeppesen og Teis ThornbergAnsvarlig: Niels Philip KjeldsenSee omnystudio.com/listener for privacy information.

Da li je Arena veća od Marakane ako MUP tako kaže? Zašto su kvadovi prekinuli nastup Vesne Zmijanac i ko je tajanstveni "Samo Bob"? U novoj epizodi Njuz Podkasta detaljno analiziramo nadrealne momente sa nedavnog SNS skupa, ali i otkrivamo zašto je izjava Vesne Zmijanac o "bivanju uz vlast" duboko i lično slomila srce Marku Dražiću (spoiler: uključene su špagete bolonjeze).

The fulfillment of the coming of Jesus was expected by Zoroastrians. Several 'Magi' were spoken of in the Bible who were there at the birth of the coming Son of God (Jesus). Does that imply God inspired other world religions with the Truth as well? Sections: 1:48 Introduction2:52 Justin Martyr7:28 Clement of Alexandria13:25 Lactantius51:26 ConclusionDownload MP3 and PDF: https://tinyurl.com/rk2jde66Links: Podcast (apple): https://goo.gl/CM4TmV Podcast (android): https://goo.gl/ovLmps Patreon: https://www.patreon.com/bridgingbeliefs Facebook: https://www.facebook.com/BridgingBeliefs9 Instagram: https://www.instagram.com/bridgingbeliefs9/ X: https://x.com/BridgingBeliefs The Official Bahá'í site: http://www.bahai.org/Support the show

In this episode, Rob and Magi discuss CCPS Monograph - Process Safety and the Energy Transition: Battery Technology, and explore safeguards that can be used to reduce risk when using and storing lithium-ion batteries. As batteries become a bigger part of our lives and their use across industries increases, it is critical to evaluate the associated hazards. Tune in to hear why Magi keeps her electric vehicle outside of the garage!To learn more about battery technology and safety, read CCPS Monograph - Process Safety and the Energy Transition: Battery Technology here!Be sure to check out our other episodes from the CCPS Monograph series:Episode 141 - CPS Monograph Review: Safer Technologies and Alternative AnalysisEpisode 143 - CCPS Monograph - Process Safety in Business Financial Decisions

The Celtics went into Cleveland and sent a message to the Cavaliers and the rest of the league, winning 109-98. This one wasn't close for most of the game thanks to Boston's smothering defense and a balanced scoring attack between Jayson Tatum, Jaylen Brown, Payton Pritchard, Sam Hauser, and Baylor Scheierman. Chud and Doug break it all down, talk about the surging Magi and Hawks, the reeling 76ers, and much more!Follow the show on Twitter/X:@ChuddysCorner@KingChuddy@Doug_Outs@_nickpirainoSHOP OUR STORE at ChuddysCorner.com/storeLeave us a voicemail at ChuddysCorner.comLike, subscribe, and rate the podcast!00:00 Celtics vs. Cavs: Game Overview06:34 Tatum and Brown: The Dynamic Duo11:56 Role Players Stepping Up18:22 Defensive Dominance: Celtics' Strategy20:57 Defensive Mastery and Team Connectivity23:06 Excitement and Player Highlights25:11 Evaluating Player Roles and Team Dynamics28:00 Around the NBA: Team Performances and Injuries30:03 Eastern Conference Shake-Up32:48 Pistons vs. Nets: A Surprising Loss34:53 Playoff Matchups and Predictions

Episode 2.87Matthew: A Jewish Gospel That Won't Stop Talking About GentilesIn this opening episode of our new series Narrative Juxtaposition: How the Bible Speaks Through Story Placement, Michael and Zach explore a provocative question: If Matthew is the most Jewish of the four Gospels, why do Gentiles keep stealing the spotlight?Matthew is structured to emphasize Jesus as the fulfillment of Israel's story—Abraham's seed, David's son, the new Moses. The Gospel is saturated with fulfillment formulas, Torah echoes, and covenant themes. Yet at key narrative moments, Gentiles are the ones who recognize, worship, and confess Jesus rightly—while Israel's leaders hesitate, misunderstand, or resist.We trace these narrative placements carefully: the Gentile women in the genealogy, the Magi contrasted with Jerusalem's indifference, the Roman centurion whose faith astonishes Jesus, the persistent Canaanite woman, and the Roman executioner who confesses Christ at the cross. These are not random anecdotes. They function as theological commentary embedded in the story itself.Along the way, we explore how Matthew uses Gentiles as narrative mirrors—exposing unbelief, redefining covenant membership around faith rather than ethnicity, and foreshadowing the global scope of the kingdom. The Gospel's beginning and end are bookended by Gentile worship, culminating in the Great Commission to all nations.This episode models how careful attention to story placement can reveal theological depth often missed in isolated readings. In Matthew, placement preaches.Find our videocast here: https://youtu.be/nyxGoFn5-a0Merch here: https://take-2-podcast.printify.me/Music from #Uppbeat (free for Creators!):⁠https://uppbeat.io/t/reakt-music/deep-stone⁠License code: 2QZOZ2YHZ5UTE7C8Find more Take 2 Theology content at http://www.take2theology.com

Roger Whitney wraps up the four-part series on navigating health care before Medicare by introducing a practical decision-making framework using the OODA Loop—observe, orient, decide, act—to help you avoid unforced errors and make a confident judgment call. He walks through organizing your retirement cash flow, estimating MAGI and ACA subsidy eligibility, evaluating COBRA, ACA, and private coverage options, and weighing tax optimization against simplicity and continuity of care. He's joined by Taylor Schulte of Define Financial to discuss how professionals navigate Roth conversions, Social Security timing, ACA cliffs, and the trade-offs between optimizing for subsidies versus long-term tax planning.OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN(00:00) This show is dedicated to helping you not just survive retirement, but have the confidence to lean in and rock it.(00:30) Roger introduces the final week of the health care before Medicare series and previews upcoming episodes with Harry Reese (co-author of How to Feel Loved) and retirement researcher Wade Pfau.PRACTICAL PLANNING SEGMENT(02:30) Roger reviews the three “heads” that must be managed before Medicare- cost, continuity of care, and complexity.(03:30) Roger talks about avoiding unforced errors that could cost you money, disrupt care, or create unnecessary stress.(05:18) Roger introduces the OODA Loop—observe, orient, decide, act—as a practical way to think step by step about health coverage choices. (05:52) Observe: Build a 5-year retirement income and spending plan, estimate taxes and MAGI, identify where you fall relative to the ACA subsidy cliff, and review withdrawal sources (taxable, pre-tax, Roth) along with future RMD implications.(14:21) Orient: Clarify what matters most to help you make a decision.(20:00) Decide & Act: Choose a direction, document your reasoning, update your plan of record, and implement the distribution strategy that supports your choice.CONVERSATION WITH TAYLOR SCHULTE(22:25) Roger introduces Taylor Schulte from Define Financial(23:15) Why health care before Medicare shouldn't automatically delay retirement and how assumptions often go untested.(26:50) Evaluating alternatives beyond ACA, including COBRA as a short-term bridge and private plans.(31:50) The tension between Roth conversions and ACA subsidies, and how Social Security timing affects MAGI.(34:20) Avoiding the “optimization trap”: sometimes paying more for simplicity still results in a resilient retirement plan.(36:40) The key takeaway is that there's no perfect answer—retirees should explore options, make informed decisions without fear, and use healthcare planning as a tool rather than a barrier or excuse to delay retirement.SMART SPRINT(43:35) Set a reminder to review your health care strategy using a structured approach—especially if retirement or Medicare enrollment is approaching. The goal is to be intentional, not reactive.REFERENCESSubmit a Question for RogerSign up for The NoodleThe Retirement Answer ManKaiser Family Foundation (KFF)Healthcare.govDefine Financial- Taylor SchulteStay Wealthy Retirement Show- Taylor Schulte (podcast)

About Margaret Graziano: Magi has spent her life reinventing herself. From a single mother at 19 working at the first Cable TV company, to leading one of the fastest-growing consultancies and becoming a best-selling author in her field of expertise, Magi has continually taken challenges and failure as lessons, and learned to move beyond her limits (both real and perceived) to live a life that inspires and contributes. Using a unique combination of experiential coaching, science-backed development tools, and actionable strategies, Magi empowers leaders to evolve themselves and their organizational culture to meet the moment. Whether it's change initiatives, new leadership, or cultural transformation, she partners with teams to catalyze positive change.   In this episode, Dean Newlund and Margaret Graziano discuss: Defining organizational culture as the ecosystem that turns vision into reality The measurable financial impact of culture on engagement, productivity, and EBITDA (Earnings Before Interest, Taxes, Depreciation, and Amortization) How stress, distraction, and insecurity since COVID have eroded workplace performance Why outdated post-World War II workplace architecture blocks innovation and trust The real cost of meetings and how they either drain energy or inspire change   Key Takeaways: Explicitly teach self-regulation skills so employees can manage stress, fear, and emotional reactivity instead of letting it silently undermine performance. Audit meetings for cost, purpose, and energy impact, and redesign them to inspire change rather than search for blame or status updates. Hire and develop people based on competency, commitment to mission, and accountability rather than relying on goodwill or passion alone. Connect each role to a noble cause that matters beyond compensation, so employees operate from courage and belief in a positive future.   "It is the ecosystem that turns the organization's vision into reality.” — Margaret Graziano   Connect with Margaret Graziano:   Website: https://www.margaretgraziano.com/ Book: Ignite Culture: Empowering and Leading a Healthy, High-Performance Organization from the Inside Out: https://www.amazon.com/Ignite-Culture-Empowering-High-Performance-Organization-ebook/dp/B0BQCZB4HF YouTube: https://www.youtube.com/c/keenalignmentmg LinkedIn: https://www.linkedin.com/in/margaretgraziano/       See Dean's TedTalk “Why Business Needs Intuition” here: https://www.youtube.com/watch?v=EEq9IYvgV7I Connect with Dean:YouTube: https://www.youtube.com/channel/UCgqRK8GC8jBIFYPmECUCMkwWebsite: https://www.mfileadership.com/The Mission Statement E-Newsletter: https://www.mfileadership.com/blog/LinkedIn: https://www.linkedin.com/in/deannewlund/X (Twitter): https://twitter.com/deannewlundFacebook: https://www.facebook.com/MissionFacilitators/Email: dean.newlund@mfileadership.comPhone: 1-800-926-7370 Audio production by Turnkey Podcast Productions. You're the expert. Your podcast will prove it.

With only five weeks left in this year-long journey, I can feel the end approaching—less like a high-wire act and more like gathering momentum toward something unknown. Week 47 of Ted Gioia's Immersive Humanities course explores twentieth-century American fiction through short stories and novel excerpts, revealing a distinctly American voice: sharp dialogue, vivid settings, and an experimental edge.O. Henry, “The Gift of the Magi” (1906): A charming story of love and sacrifice.F. Scott Fitzgerald, “A Diamond as Big as the Ritz” (1922): Wealth, excess, and a surprising twist.Ernest Hemingway, “The Killers” (1927): Sparse, tension-filled dialogue.William Faulkner, The Sound and the Fury (1929, excerpt): Challenging, with shifting time and perspective.Ralph Ellison, Invisible Man (1947, excerpt): A powerful sense of invisibility and identity.Shirley Jackson, “The Lottery” (1948): Disturbing and unforgettable.Flannery O'Connor, “A Good Man is Hard to Find” (1955): A Southern Gothic tale with shocking turns.Together, these works feel spacious, restless, and distinctly American—and they remind me how much more willing I am now to embrace difficult, even strange, books.This is a year-long challenge! Join me next week for a little Magical Realism.LINKTed Gioia/The Honest Broker's 12-Month ImmersiveHumanities Course (paywalled!)My Amazon Book List (NOT an affiliate link)CONNECTThe complete list of Crack the Book Episodes: https://cheryldrury.substack.com/p/crack-the-book-start-here?r=u3t2rTo read more of my writing, visit my Substack - https://www.cheryldrury.substack.com.Follow me on Instagram - https://www.instagram.com/cldrury/LISTENSpotify - https://open.spotify.com/show/5GpySInw1e8IqNQvXow7Lv?si=9ebd5508daa245bdApple Podcasts - https://podcasts.apple.com/us/podcast/crack-the-book/id1749793321Captivate - https://crackthebook.captivate.fm

Welcome to the Christmas series! Magi, masters of alchemy and astronomy, notice an anomaly in the constellations. Their curiosity leads them to the scriptures, where they become convinced God has done something miraculous. Sign up for special devotionals at StoriesoftheMessiah.com. As we dive deeply into iconic Bible heroes' enthralling narratives, we find more than just stories of faith and miracles. We discover a recurrent theme, a spiritual undertone that connects each tale to the grandeur of the Gospel. They're not just standalone legends; they're threads in a divine tapestry, weaving a story that foreshadows Jesus Christ, the ultimate hero, the promised Messiah who brings light to the darkest corners of history. For more Bible stories download the Pray.com app. To learn more about Rabbi Schneider visit https://discoveringthejewishjesus.com/ See omnystudio.com/listener for privacy information.

In today's episode of Faith & Family Bible Study, Steve Wood continues his study of the Gospel of Matthew, focusing on the Wise Men from the East. Discover who the Magi were, why their journey matters, and what their worship reveals about Christ the King. To dive deeper into the Scriptures, visit us online at www.BibleforCatholics.com.

Roger Whitney continues the four-part series on navigating health care before Medicare, focusing this week on controlling costs—both through everyday decisions and by understanding how the Affordable Care Act (ACA) subsidy system works now that the expanded credits have expired. He explains the return of the 400% federal poverty level “cliff,” walks through how modified adjusted gross income (MAGI) impacts premiums, shares listener experiences with inflation and subsidy loss, and explores the ethical tension around optimizing for government benefits.OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN(00:00) This show is dedicated to helping you not just survive retirement, but have the confidence to lean in and rock it.(00:30) Roger introduces week three of the four-part series on health care before Medicare, focusing on controlling health care costs and understanding ACA subsidies. He previews next week's structured decision framework and conversation with Taylor Schulte of Define Financial.PRACTICAL PLANNING SEGMENT(02:35) Start with the fundamentals: staying or getting healthy through strength, cardio, mobility, screenings, and proactive chronic condition management to potentially reduce long-term costs.(04:58) Compare all available coverage options and use practical strategies like staying in-network, timing procedures, and shopping prescriptions to manage costs.UNDERSTANDING THE ACA SUBSIDY SCHEME (POST-2025 CHANGES)(08:48) Roger breaks down the Affordable Care Act's premium subsidy scheme, designed to make health care more affordable and protect coverage for preexisting conditions. He explains how subsidies are based on income relative to the federal poverty level (FPL) and how the rules have changed over time, including expansions under the American Rescue Plan and temporary extensions during COVID.(11:55) Roger explains how the premium tax credit works, including that eligibility is based on having income between 100% and 400% of the federal poverty level, and that exceeding the threshold by even $1 eliminates any subsidies(14:00) Roger gives an example of a married couple comparing higher versus lower income, illustrating how managing income can significantly affect subsidies in the years before Medicare.(15:47) What counts toward Modified Adjusted Gross Income (MAGI) and what does not count.(18:00) Reconciliation risk: estimating income during open enrollment and potentially repaying subsidies if actual income exceeds projections.(22:30) Strategic planning opportunities: building tax diversification before retirement (taxable, Roth, HSA) to create flexibility in managing MAGI and avoiding unforced errors like unexpected capital gain distributions, RSU vesting, or inherited IRA withdrawals.(26:40) Common pitfalls that can unexpectedly reduce your health care subsidies, and why keeping a buffer below the income cliff matters.LISTENER QUESTIONS & OBSERVATIONS(30:25) Joe reflects on retiring in his early 50s and how health care costs quickly became a major factor in his retirement planning.(35:35) Clarification on ACA navigators and where to find assistance through HealthCare.gov and research from Kaiser Family Foundation.(37:00) David shares his experience navigating insurance before Medicare, highlighting how exploring different options helped manage costs.(38:36) Gene asks about handling a gap in coverage before Medicare, and Roger shares strategies to manage costs and explore available options.(45:20) Philosophical discussion on whether it is appropriate to intentionally manage income to qualify for subsidies, and how each person must reconcile financial optimization with personal values.SMART SPRINT(51:30) Choose one area of spending this week—health care or otherwise—and apply intentional cost awareness to build the habit of conscious cost control.REFERENCESSubmit a Question for RogerSign up for The NoodleThe Retirement Answer ManKaiser Family Foundation (KFF)Healthcare.gov

THE SAGA OF THE GROG & GRYPHON Episode 3 – Of Wight and Dark Might An army of beasts and brutal soldiers is gathering strength. In the tavern, danger is bringing a strange group of comrades together. Whilst in the corrupted hall of the Magi, Zagrathea enacts a terrible revenge upon her old mentor Algarnoir. CAST: Fiona Conn as Acetegan, The Mage of Wight John Dane as DeV'ralto Gina Hollweg as Arullia Swordcleaver- Amazonian Warrioress Natasha Lathrop as Reyna the Red- Queen of the Pirates Mark Kalita as the Lycanna Changeling: Bane Renbourne Paul Mannering as Olaff Houndsmaw and Relga Rob Northrup as the Goblin: Murrai Bill Hollweg as Garulk the Barbarian, servants, villagers, Urkbrow, Cordo, Ular, and the werewolves BROKENSEA AUDIO Written/produced by Bill Hollweg

Using as launching pad the Western Christian liturgical calendar celebration of Epiphany (the day recognizing Jesus's first revelation to Gentiles--in this case, the Magi) this episode is a discussion between LDF host and co-host Dan Wotherspoon and Mark Crego about the importance of being ready at all times and within any group to share our witness with others. As it says in 1 Peter 3:15: "and always be ready to give a defense to everyone who asks you a reason of the hope that is in you with meekness and fear," Dan and Mark share how we might be able to do this effectively during or after our faith has begun to shift because the once easy "I know" responses no longer feel authentic for us. How do we share what is currently going on with us in language that indicates the "hope" that is still in us? The hosts focus on three situations: speaking with active LDS family and friends, speaking with friends who want to tear down the church, and speaking with outsiders to our tradition.  Listen in! 

In episode 519 of the podcast I'm joined by astrologer Reverend Lindsay Turner to discuss the story of the Magi, the birth of Jesus, and the astrology surrounding the Nativity story. We explore the celebration of Epiphany, also known as Three Kings Day, and analyze the Gospel of Matthew's account of the astrologers from the East who followed a star to Bethlehem. We discuss the distinction between approaching the Nativity as a historical event versus a literary narrative, and how the author of Matthew partially used the story of the Magi to legitimize Jesus as a king in the 1st century. We also look at technical astrological terms found in the Greek text, such as anatole or "at its rising," and how this relates to Hellenistic astrology. We also talk about the relationship between early Christianity and astrology, including the non-canonical Acts of Paul and Thecla, the liturgical seasons aligning with the Zodiac, and how modern Christians can reconcile their faith with astrological practice. Lindsay's Website https://badpastor.me Timestamps 00:00:00 Intro00:00:34 Epiphany and Three Kings Day traditions00:01:45 The Nativity story and the Star of Bethlehem00:03:50 Historical vs. literary approaches to the Gospels00:05:41 The Gospel of Matthew and Hebrew prophecy00:08:05 Reading the Magi passage (Matthew 2:1-12)00:10:52 Who were the Magi? Astrologers vs. Persian priests00:12:00 The context of natal astrology in the 1st Century00:13:30 The political subversion of the Nativity story00:16:27 "At its rising" (Anatole) as a technical astrological term00:18:23 Crossover between New Testament Greek and astrological texts00:20:14 Theories on the Star: Comets, conjunctions, and novae00:26:27 The solar eclipse at the crucifixion00:31:00 Astrology used to legitimize Jesus in Matthew00:33:30 Did the Magi renounce astrology?00:36:51 The Manger nebula in the constellation Cancer00:39:19 The Thema Mundi and the birth chart of the cosmos00:41:05 The debate over the date of Jesus' birth00:48:25 The Acts of Paul and Thecla and lost Christian texts00:54:38 Mary Magdalene and the seven daimons01:02:15 Fate, free will, and Stoicism in the ancient world01:05:45 Early Christianity as social rebellion01:09:30 Identity in Christ vs. astrological identity01:15:33 Liturgical seasons and the Zodiac01:17:28 Saturnalia, Sol Invictus, and the origins of Christmas01:21:50 Stigma against astrology in the modern church01:29:50 The shared origins of Christianity and Hellenistic astrology01:32:00 Astrology as a bridge between science and religion01:35:10 Lindsay's upcoming book and contact info01:36:35 Sponsors and credits Watch the Video Version of This Episode https://www.youtube.com/watch?v=3J68CV7YYm0 - Listen to the Audio Version of This Episode Listen to the audio version of this episode or download it as an MP3:

The Magi weren't reading Daniel. They weren't studying the prophets. They were reading the sky.In our Members-Only Part 2 of our Christmas deep dive into the Star of Bethlehem, Caleb Jones returns to answer the question everyone's been asking: Why did the Magi know to come? What did they actually see in that chart that made them pack up and travel for months?Using ancient sources—Ptolemy, Manilius, Vettius Valens—Caleb reconstructs what an astrological reading of August 12, 3 BC would have looked like. The verdict? A heaven-blessed birth in Palestine. Incredible fortune. Warfare and a sword in his future. Someone who would overcome great danger through Jupiter and Venus.But this episode goes deeper than astronomy. Caleb traces how the Bible itself addresses astrology—not as fake, but as a rival way of knowing that God told Israel not to pursue because He would speak to them directly. When Israel rebelled and looked to the stars anyway, God wove their disobedience into His plan: He would use pagan astrologers to announce His Son and shame His people who should have known better.From Deuteronomy to Isaiah to Romans, the threads converge. The Magi weren't reading Daniel. They were reading the sky. And God met them there.The Christmas story is stranger than you thought. Not a member yet? Right now, we are running our biggest sale of the year with 20% OFF all memberships until the end of the year. Head over to https://blurrycreatures.com/pages/members to check it out. Learn more about your ad choices. Visit megaphone.fm/adchoices

Merry Christmas and happy holidays! This week Ross Douthat shares one of his favorite poems for the occasion, “The Journey of the Magi,” written by T.S. Eliot, to reflect on a year one might call “interesting.” See you next year! Subscribe today at nytimes.com/podcasts or on Apple Podcasts and Spotify. You can also subscribe via your favorite podcast app here https://www.nytimes.com/activate-access/audio?source=podcatcher. For more podcasts and narrated articles, download The New York Times app at nytimes.com/app.

As a gift to listeners, I read O. Henry’s classic "The Gift of the Magi"—a timeless reminder of what really matters most for our happiness during the holidays. Resources & links related to this episode: "The Gift of the Magi" by O. Henry (Amazon, Bookshop) I read "A Christmas Carol" by Charles Dickens (Amazon, Bookshop) I read "The Snow Queen" by Hans Christian Andersen (Amazon, Bookshop) Get in touch: podcast@gretchenrubin.com Visit Gretchen's website to learn more about Gretchen's best-selling books, products from The Happiness Project Collection, and the Happier app. Find the transcript for this episode on the episode details page in the Apple Podcasts app. See omnystudio.com/listener for privacy information.

What was the Star of Bethlehem? A miraculous light? An angel? A comet? Attorney and biblical researcher Caleb Jones brings a library of books and years of astronomical study to the basement to present the most compelling answer we've ever heard: the Star of the Magi was the combined light of Jupiter and Venus merging into a single point of light in the sky, not once, but twice.On August 12, 3 BC, a rare planetary conjunction appeared in the eastern sky for just ninety minutes before dawn and was visible only to those whose job it was to watch the stars. Ten months later, on June 17, 2 BC, an even more spectacular once-in-a-millennium conjunction occurred, visible to everyone, setting over the hill of Bethlehem at the exact location tradition holds as the house of Joseph and Mary.Caleb walks us through astronomy, ancient calendars, the chronology of Herod's death, the census of Quirinius, and why the world still counts time based on the reign of Jesus Christ. This isn't just about solving a Christmas mystery. It's about how God speaks to people where they are and even through systems He told Israel not to use. The Magi were pagan astrologers doing pagan astrology, and God used the very stars they were watching to lead them to His Son. They arrived with gold, frankincense, and myrrh, and they worshiped. The star wasn't magic. It was astronomy. And somehow, that makes it even more miraculous. Merry Christmas from Blurry Creatures! Learn more about your ad choices. Visit megaphone.fm/adchoices