Podcasts about make use

Jeremy Keil explains the 5 RMD (Required Minimum Distribution) mistakes in Retirement and how to avoid them. A retiree recently called for help. It was their first year taking Required Minimum Distributions. They had delayed their first RMD until April of the following year — which meant taking two distributions in one tax year. That part was allowed. In some cases, it can even be strategic. But when they called their IRA custodian and asked, “How much should I withhold for taxes?” they were given the default answer: 10% federal withholding. They assumed that must be right. It wasn't. They ended up short on taxes by more than $10,000 — and owed penalties on top of that. That situation wasn't caused by breaking a rule. It was caused by following the rule without a plan. And that's where most RMD mistakes begin. I recently wrote an article for Kiplinger magazine titled “5 RMD Mistakes That Could Cost You Big-Time: Even Seasoned Retirees Slip Up” and for this week's episode of the “Retire Today” podcast I decided to talk through each of these mistakes in detail. Mistake #1: Waiting Until Age 73 to Create a Plan Turning 73 is not a strategy. If you wait until the government forces your first RMD to think about it, you've already missed years of opportunity. The window between retirement and RMD age is often the most flexible tax-planning period of your life. In those years, you may have: Lower earned income No required withdrawals yet Control over when and how you take distributions That's prime territory for intentional tax planning. Once RMDs begin, you've lost some flexibility. In the KEEP step of the Retirement Master Plan, tax timing matters. RMDs don't happen in isolation. They interact with Social Security, pensions, and brokerage income. Planning ahead—sometimes a decade ahead—can dramatically change the long-term outcome. Mistake #2: Failing to Make Use of Qualified Charitable Distributions (QCDs) This one surprises me every year. RMDs currently begin at age 73 (moving to 75 for those born in 1960 or later). But Qualified Charitable Distributions still start at 70½. That means you can send money directly from your IRA to a charity before RMDs even begin. Why does that matter? Because a QCD: Reduces your IRA balance (lowering future RMDs) Keeps the distribution out of your taxable income May help limit Social Security taxation May help reduce Medicare premium surcharges Many retirees continue writing checks to charities from their checking account, hoping for a deduction. With today's larger standard deduction, many people don't itemize at all. Going directly from IRA to charity is often more tax-efficient—and sometimes dramatically so. If charitable giving is already part of your plan, the tax strategy should be part of it too. Mistake #3: Doing the Wrong Tax Withholding When retirees call their custodian to take their RMD, they're often asked: “How much would you like withheld for taxes?” The default federal withholding is often 10% for IRAs and 20% for 401(k)s. Many people assume, “That must be right.” It often isn't. I recently saw a retiree who delayed their first RMD until April of the following year—which meant taking two distributions in one year. They defaulted to 10% withholding. They ended up underpaying taxes by more than $10,000 and owed penalties. The custodian can't provide tax planning. That's not their role. Before taking an RMD, you need to project: What tax bracket you'll land in Whether additional withholding is necessary How this affects your overall estimated payments Again, this falls under the KEEP step. Don't let the default settings dictate your tax bill. Mistake #4: Not Realizing How Your RMD Income Affects the Rest of Your Tax Return RMDs don't just increase taxable income. They can: Make more of your Social Security taxable Push capital gains from 0% into taxable territory Trigger Medicare IRMAA surcharges Many retirees focus only on their marginal bracket. But the real issue is tax cost, not tax bracket. An extra $20,000 RMD might not just be taxed at 22%. It could cascade into additional taxation elsewhere. That's why projections matter. You don't want to discover these ripple effects after the fact. Mistake #5: Forgetting That the M in RMD means ‘Minimum,' not ‘Maximum' The M in RMD stands for minimum. It does not mean that's the only amount you're allowed to withdraw. You can: Withdraw more than your RMD Complete Roth conversions after satisfying the RMD Send more than your RMD amount to charity (subject to QCD limits) Sometimes taking more than the minimum makes sense—especially if it smooths taxes over multiple years. RMDs are a rule. They are not a retirement strategy. The Bigger Lesson RMDs are not just a government requirement. They are a planning opportunity—or a planning hazard. They affect your income plan (MAKE), your spending plan (SPEND), your tax strategy (KEEP), and even what you ultimately LEAVE behind. The biggest mistake isn't misunderstanding a rule. It's treating RMDs as an isolated event instead of part of a coordinated retirement master plan. Because in retirement, small tax decisions compound just like investment returns may do. And when handled intentionally, RMDs don't have to derail anything at all. Don't forget to leave a rating for the “Retire Today” podcast if you've been enjoying these episodes! Subscribe to Retire Today to get new episodes every Wednesday. Apple Podcasts: https://podcasts.apple.com/us/podcast/retire-today/id1488769337  Spotify Podcasts: https://bit.ly/RetireTodaySpotify About the Author: Jeremy Keil, CFP®, CFA is a retirement financial advisor with Keil Financial Partners, author of Retire Today: Create Your Retirement Income Plan in 5 Simple Steps, and host of the Retirement Today blog and podcast, as well as the Mr. Retirement YouTube channel. Jeremy is a contributor to Kiplinger and is frequently cited in publications like the Wall Street Journal and New York Times. Additional Links: – Buy Jeremy's book – Retire Today: Create Your Retirement Master Plan in 5 Simple Steps – “5 RMD Mistakes That Could Cost You Big-Time: Even Seasoned Retirees Slip Up” by Jeremy Keil, Kiplinger Magazine – https://www.kiplinger.com/retirement/required-minimum-distributions-rmds/rmd-mistakes-that-even-seasoned-retirees-can-make – Create Your Retirement Master Plan in 5 Simple Steps – 5StepRetirementPlan.com  Connect With Jeremy Keil: Keil Financial Partners LinkedIn: Jeremy Keil Facebook: Jeremy Keil LinkedIn: Keil Financial Partners YouTube: Mr. Retirement Book an Intro Call with Jeremy's Team Media Disclosures: Disclosures This media is provided for informational and educational purposes only and does not consider the investment objectives, financial situation, or particular needs of any consumer. Nothing in this program should be construed as investment, legal, or tax advice, nor as a recommendation to buy, sell, or hold any security or to adopt any investment strategy. The views and opinions expressed are those of the host and any guest, current as of the date of recording, and may change without notice as market, political or economic conditions evolve. All investments involve risk, including the possible loss of principal. Past performance is no guarantee of future results. Legal & Tax Disclosure Consumers should consult their own qualified attorney, CPA, or other professional advisor regarding their specific legal and tax situations. Advisor Disclosures Alongside, LLC, doing business as Keil Financial Partners, is an SEC-registered investment adviser. Registration does not imply a certain level of skill or expertise. Advisory services are delivered through the Alongside, LLC platform. Keil Financial Partners is independent, not owned or operated by Alongside, LLC. Additional information about Alongside, LLC – including its services, fees and any material conflicts of interest – can be found at https://adviserinfo.sec.gov/firm/summary/333587 or by requesting Form ADV Part 2A. The content of this media should not be reproduced or redistributed without the firm’s written consent. Any trademarks or service marks mentioned belong to their respective owners and are used for identification purposes only. Additional Important Disclosures

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In this episode of the Family Tree Magazine podcast, Andrew Koch speaks with David Fryxell about how genealogists can optimize their searches for the best results as they seek out information about their ancestors. https://media.blubrry.com/family_tree_magazine/media.blubrry.com/family_tree_magazine/content.blubrry.com/family_tree_magazine/2026-02-FTM.mp3 Feature: Online Search Strategies for Genealogists Finding the information you need as a genealogist can be tricky, especially when it comes to searching online. Sometimes you just need a couple of tricks to get search engines to yield the results you seek. In this episode of the Family Tree Magazine podcast, David Fryxell provides some of those tricks. Mentioned in this episode: The Evolution of Searching as a Genealogists Boolean Search and Wildcards: What They are and How to Make Use of Them Transcriptions and Their Challenges The Impact of AI on Genealogy Searches Modern Versus Traditional Genealogy Skills Exploring Genealogy Resources and Tools 41 Search Tips for Google, Ancestry and Other Genealogy Websites Think your ancestors are a lost cause? Not with our search tips for finding your family history online on Google, Ancestry and other websites. Family Tree Magazine /* Embedded-box css */ .embedded-box{ padding: 25px; font-size: 14px; font-weight: 400; line-height: 1.5; color: #82878c; background: #fff; border: 1px solid #e5e5e5; box-shadow: 0 1px 1px rgba(0,0,0,.05); overflow: auto; zoom: 1; font-family: -apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Oxygen-Sans,Ubuntu,Cantarell,"Helvetica Neue",sans-serif; } .acf-embed-title{ margin: 0 0 15px; font-weight: 600; font-size: 22px; line-height: 1.3; } .acf-embed-description { display: inline-block; } .acf-embed-description img { float: left; max-width: 160px; margin-right: 20px; margin-bottom: 20px; } .wp-embed-site-title a{ position: relative; display: inline-block; padding-left: 35px; } .wp-embed-site-title span { color: #82878c; text-decoration: none; font-weight: 600; } .wp-embed-site-icon { position: absolute; top: 50%; left: 0; transform: translateY(-50%); height: 25px; width: 25px; border: 0; padding-bottom: 0px!important; } Visit Our Sponsor: VoiceGift What if your family tree could speak? VoiceGift helps preserve the voices and stories that define your family — so they're never lost to time. Record memories from parents and grandparents… and link them to photos, albums, and heirlooms. Inspired by museum audio guides and designed to last, VoiceGift PLAY is an audio time capsule — for generations. In this episode, Andrew Koch interviews Geoffrey Stern, the Founder and CEO of VoiceGift. Find your voice at www.voice.gift Stay in the Know Sign up now for our FREE daily newsletter and get: Expert tips and tricks to accelerate your research In-depth articles on a variety of genealogical topics Exclusive offers on new tools and resources Plus, find Family Tree Magazine on your favorite social channels! Your Host Andrew Koch is the Editor of Family Tree Magazine.

I'm back! After a crazy half year of transition, adventure, and being in the murky mess of a 'chrysalis' experience, I've surfaced for some insights for you to wrap up 2025.  Here's what's up for you: A process for reflection that uses visual representation of your last twelve months A reflective practice that will surface insights for next year How to make use of these insights in a practical way. My own updates: Travel, adventure, heartbreak, moving house: it's the bitter sweetnes of not yet and not anymore. Enjoy! Zoë     

Over 70% of Singaporeans have yet to use their one-off $500 SkillsFuture Credit top-up, which will expire at the end of this year. That’s a missed opportunity, especially at a time when Artificial Intelligence is rapidly changing the job market. With the government urging workers to become more AI-fluent and employers increasingly valuing digital skills, many are now asking: how can Singaporeans make full use of their SkillsFuture Credit, and invest it in something that truly future-proofs their careers? On The Big Story, Hongbin Jeong speaks with John Amos Tan, Generative AI Instructor at Vertical Institute, to find out more. See omnystudio.com/listener for privacy information.

Hour three of DJ & PK for September 11, 2025: Tulsa World Columnist joined to talk Big 12 after a disappointing week.  Houston is one of the country's biggest recruiting hot spots, but University of Houston doesn't have a tradition of winning. Will that change soon?  Our NFL Locks of the Week

Poem II from Charlotte Mason's “The Saviour of the World” Volume VII Book I, with the corresponding Scripture reading.

The future of Affordable Care Act (Obamacare) subsidies is a pressing issue for retirees and anyone shopping for health insurance on the ACA marketplace.  With the generous subsidies brought by the American Rescue Plan Act set to expire at the end of 2025, I break down exactly how these subsidies work, what changes are coming in 2026, and what that means for your wallet. We're talking eligibility thresholds, how income is calculated, why premiums might rise, and—most importantly—shares practical strategies for lowering your adjusted gross income to continue qualifying for subsidies as the rules tighten. Whether you're planning to retire before age 65 or just want to make sure you're making the most of affordable health options, this episode is packed with actionable advice to help you navigate the shifting health insurance landscape. Stay tuned to hear how you can prepare before the subsidy cliff arrives. You will want to hear this episode if you are interested in... [00:00] ARPA health subsidy set to expire. [06:48] Special enrollment eligibility criteria. [09:49] Estimate income for subsidy applications. [12:50] Retirement subsidy eligibility insights. [16:38] Managing income for post-2025 health subsidies. [19:50] Retirement planning and tax strategies. What Retirees Need to Know About Expiring Subsidies in 2026 For many Americans considering early retirement, one of the pressing concerns is the high cost of health insurance before Medicare eligibility kicks in at age 65. The Affordable Care Act (ACA), often called Obamacare, has provided critical subsidies—tax credits that reduce monthly health insurance premiums for individuals and families who earn between 100% and 400% of the federal poverty level (FPL). Thanks to these subsidies, many retirees have found coverage that's far more affordable than what existed before the ACA. These subsidies aren't static, however. Their availability, amount, and eligibility thresholds have changed over time, notably with the enhancements set by the American Rescue Plan Act (ARPA) during the pandemic. But much of that is set to change again at the end of 2025, and retirees need to understand what's at stake and how they can prepare. How ACA Subsidies Work Right Now Currently, the vast majority of people purchasing health insurance through the ACA marketplace receive premium assistance. As of 2024, 91% of the 21 million marketplace participants benefit from some kind of subsidy, according to the Centers for Medicare and Medicaid. These subsidies are calculated based on household income and size, and for now, thanks to ARPA, even those earning above the previous 400% FPL cutoff have been able to secure relief. The system works on a sliding scale: the higher your income (relative to the FPL), the lower your subsidy—and vice versa. For instance, a single retiree in most U.S. states falls under the subsidy limit if their Modified Adjusted Gross Income (MAGI) is less than $60,640 (400% of the 2024 federal poverty level). For a couple, that threshold is $84,600. The subsidies fill the gap between what the government deems an affordable percentage of your income and the cost of a benchmark “silver” marketplace plan. The Big Change: Subsidy Cliff Returning in 2026 A crucial point highlighted in episode 267 of Carolyn C-B's podcast with Ryan Morrissey: the most generous version of these subsidies, courtesy of the ARPA, will sunset at the end of 2025. We are about to return to a world where if your income exceeds 400% of the FPL by even just $1, you lose all subsidy assistance—an abrupt subsidy cliff. Previously, the ARPA smoothed this out, allowing gradual decreases rather than outright elimination at the cutoff. That made planning far simpler for retirees managing taxable withdrawals from savings or retirement accounts. Starting in 2026, the sudden loss of these subsidies at the income cliff could mean the difference between a manageable $400 monthly premium and a staggering $2,700+ for a similar plan. To add to the challenge, insurers anticipate higher premiums in 2026 as healthier enrollees fall off plans due to pricing and subsidy loss. Planning Strategies for Retirees With the looming subsidy cliff, retirees may need to rethink their approach to generating retirement income. Since eligibility is based on income, not assets, it's possible to have significant savings but low reportable income, qualifying you for subsidies. Key strategies include: Harvest Extra Income Before 2026: Consider accelerating IRA distributions, realizing capital gains, or selling assets in 2025 while subsidies remain generous. Build Up Liquid Assets: By moving assets into cash accounts before retirement, retirees can “live off” cash in years they need to keep income low, preserving subsidy eligibility. Utilize Roth and Home Equity Withdrawals: Roth IRA distributions (if held 5 years and owner is 59½ or older) don't count toward MAGI; home equity lines or reverse mortgages can also provide non-taxable funds. Make Use of Pre-tax Contributions: While still working, increase contributions to 401(k)s, IRAs, and HSAs—these lower MAGI and can be a tool for subsidy planning. Congress may choose to extend or reform these subsidies again, but as of now, retirees should assume the cliff is returning. If you plan to retire—and especially if you'll rely on individual ACA coverage before age 65—be proactive. Monitor federal updates, calculate your projected MAGI, and consult a knowledgeable financial advisor for personalized guidance. Open enrollment begins November 1st each year—make sure to check your state's marketplace for updated premiums and subsidy parameters for 2026. Planning now can safeguard your health and your finances through a rapidly changing insurance landscape. Resources Mentioned Retirement Readiness Review Subscribe to the Retire with Ryan YouTube Channel Download my entire book for FREE  The Affordable Care Act (ACA) American Rescue Plan Act (ARPA) Centers for Medicare and Medicaid Services Access Health CT  Health Insurance Marketplace  Connect With Morrissey Wealth Management  www.MorrisseyWealthManagement.com/contact   Subscribe to Retire With Ryan

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_____________________________________________________________ Please like and subscribe to our YT channel Special Affiliate Link for Official Aston Villa Merch: aston-villa-store.sjv.io/DVNAYd Special Affiliate Link for KitBag Aston Villa Merch  https://kitbag.evyy.net/RyVR1a Gym + Coffee UK Link:https://bit.ly/3Ny1oHU Gym + Coffee Ireland & EU Link: https://bit.ly/3pjVJgL Gym + Coffee AUS & NZ Link: https://bit.ly/3NBHeNs Gym + Coffee US & Rest of World Link: https://bit.ly/3Jz4b2q Follow on Twitter:    / lovemcgrathpod   Subscribe to our Audio Pod: Apple Podcast: https://t.co/6Vhm3BMLT6 Spotify: https://t.co/ny4xO1w7Lf If you would like to support us please find us on Patreon:    / fortheloveofpaulmcgrath   Part of the Sport Social Podcast Network https://podcast.sport-social.co.uk/po... For the Love of Paul McGrath is an independent fan channel. Made for Villa fans by Villa fans, FTLoPMcG provides you with the latest Villa transfer news, match previews, match reviews and much more #AVFC #AstonVilla #Transfer #Transferwindow #EPL #UTV Learn more about your ad choices. Visit podcastchoices.com/adchoices

Closing Thought: Crave the Word like a newborn craves his 4 a.m. feeding — because only it can make you grow into salvation.

Cow poop is an ecosystem unto itself. There are many insects and other organisms living in a dung pat that can help us to make use of the nutrients excreted out of the back end of a cow. Dr. Ryan Schmid shares with me what he has seen work well as far as taking advantage of the helpful insects and mitigating the impact of those that can become pests if the system gets out of balance.Thanks to our Studio Sponsor, Understanding Ag!Head over to UnderstandingAg.com to book your consultation today!Sponsor:Ranch RightSD Grassland Coalition Grazing SchoolRelevant Links:Ecdysis.bioCow Patty Critter w/ Dr. Kevin Floate on Wednesday Night Networking

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Lester Kiewit speaks to Mireille Wenger, the Western Cape MEC for Health and Wellness, about how the department is trying to find ways of using private sector resources for the benefit of state patients. They’ve set up a think tank to explore how this can be achieved. Good Morning Cape Town with Lester Kiewit is a podcast of the CapeTalk breakfast show. This programme is your authentic Cape Town wake-up call. Good Morning Cape Town with Lester Kiewit is informative, enlightening and accessible. The team’s ability to spot & share relevant and unusual stories make the programme inclusive and thought-provoking. Don’t miss the popular World View feature at 7:45am daily. Listen out for #LesterInYourLounge which is an outside broadcast – from the home of a listener in a different part of Cape Town - on the first Wednesday of every month. This show introduces you to interesting Capetonians as well as their favourite communities, habits, local personalities and neighbourhood news. Thank you for listening to a podcast from Good Morning Cape Town with Lester Kiewit. Listen live on Primedia+ weekdays between 06:00 and 09:00 (SA Time) to Good Morning CapeTalk with Lester Kiewit broadcast on CapeTalk https://buff.ly/NnFM3Nk For more from the show go to https://buff.ly/xGkqLbT or find all the catch-up podcasts here https://buff.ly/f9Eeb7i Subscribe to the CapeTalk Daily and Weekly Newsletters https://buff.ly/sbvVZD5 Follow us on social media CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/CapeTalk CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

Seamus Nolan, Teagasc's Scheme Support Unit Specialist, who has a particular focus on the Target Agriculture Modernisation scheme, better known to many as the TAMS scheme, joins James Dunne on this week's Dairy Edge. Seamus discusses the recently announced nutrient storage investment scheme under TAMS 3 which offers farmers an increased rate of grant aid for nutrient storage investments on their farm.   For more episodes from the Dairy Edge podcast go to the show page at:https://www.teagasc.ie/animals/dairy/the-dairy-edge-podcast/ The Dairy Edge is a co-production with LastCastMedia.com

Set the context for a joyful, exuberant day with a short, powerful message from Sadhguru. Explore a range of subjects with Sadhguru, discover how every aspect of life can be a stepping stone, and learn to make the most of the potential that a human being embodies.  Conscious Planet: https://www.consciousplanet.org Sadhguru App (Download): https://onelink.to/sadhguru__app Official Sadhguru Website: https://isha.sadhguru.org Sadhguru Exclusive: https://isha.sadhguru.org/in/en/sadhguru-exclusive Inner Engineering Link: isha.co/ieo-podcast Yogi, mystic and visionary, Sadhguru is a spiritual master with a difference. An arresting blend of profundity and pragmatism, his life and work serves as a reminder that yoga is a contemporary science, vitally relevant to our times. Learn more about your ad choices. Visit megaphone.fm/adchoices

Set the context for a joyful, exuberant day with a short, powerful message from Sadhguru. Explore a range of subjects with Sadhguru, discover how every aspect of life can be a stepping stone, and learn to make the most of the potential that a human being embodies.  Conscious Planet: https://www.consciousplanet.org Sadhguru App (Download): https://onelink.to/sadhguru__app Official Sadhguru Website: https://isha.sadhguru.org Sadhguru Exclusive: https://isha.sadhguru.org/in/en/sadhguru-exclusive Inner Engineering Link: isha.co/ieo-podcast Yogi, mystic and visionary, Sadhguru is a spiritual master with a difference. An arresting blend of profundity and pragmatism, his life and work serves as a reminder that yoga is a contemporary science, vitally relevant to our times. Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome back to the show! In this episode, Steve discusses the power of mentors and why he and others like him use them as much as possible. A good mentor is worth their weight in gold, and Steve couldn't recommend finding one enough. S, how do you find the right mentor? When do you make use of them? How do you even determine if they are the right mentor for you? All these answers are in this episode and many more! Tune in now!  Please remember that Stevcanld always helps you with one-on-one mentoring via email! Just send your questions, comments, and concerns to AskSteve@TotalWealthAcademy.com today! 

There are a lot of weird abbreviations and letters and numbers in the footnotes of your Bible. Maybe you have noticed them before, but they are too overwhelming and confusing. It doesn't take a lot to utilize these and make sense of them. And once you do understand them, they can be quite helpful to your Bible study. This podcast episode is based on an article from Five Minute Bible Study. The article link is pasted below if you would like to read it in full.Article: https://fiveminutebiblestudy.com/elementor-5010/

Questions about Christians making use of the concept of meditation, advice for discussions with panentheists, and how to not be discouraged when pastors don't use apologetics when it would be the perfect time to do so. How might Christians appropriately make use of the concept of meditation, or should this sort of thing be avoided? Do you have any tips or questions for discussions with New Age spiritualists—in particular, panentheists? How can we not become discouraged when pastors or teachers do not use apologetics when it would be the perfect time to do so?

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In this episode, we're celebrating the student-guru relationship, and the role it has in our evolution. Each year we celebrate this relationship, and the all the teachers and teachings in our life, with Guru Purnima. Vedic meditators are invited to join Guru Purnima celebrations with Thom and other Vedic Meditation Initiators around the world during the weekend of July 20-21, 2024. If you'd like to join these celebrations, please visit thomknoles.com/guru-purnima for details of events near you. The word Guru is very much misunderstood outside of India. Parodies often show the Guru as being someone who makes demands of their followers, and the disciple as being one who blindly follows the instructions of the Guru.But the truth of the relationship is much deeper than that, and it goes both ways. The wisdom of the teacher is brought forth by curiosity of the student, which in turn leads to a level of earned trust in the teacher from the student. Thus the student follows the instructions of the teacher with eyes wide open, not blindly, as most Western mischaracterizations of this relationship suggest.In this episode, Thom previews the Guru Gita, the song of the Guru, which eloquently and elegantly explains the teacher-student relationship. It gives us a benchmark to know when we've had the well-deserved great good fortune to invite a Guru into our life who is worthy enough to support our evolution.Episode Highlights:[01:33] The Process of Illumination[04:14] Grades of Manifestation[06:54] Elements of the Self[09:41] Expanded Awareness[11:17] Sensing the Cascades of Cause and Effect[13:42] Skanda Purana[16:10] The Song of the Guru[18:56] Sweet Surrender[21:58] Stop Trying to Control Everything with Thinking[23:42] Guru-Disciple Relationship[25:39] How to Make Use of the Guru Gita[28:06] Nama Rupa Sahitam Bhavati Eva[30:09] Well-deserved, Self-created Good FortuneUseful Linksinfo@thomknoles.com https://thomknoles.com/https://www.instagram.com/thethomknoleshttps://www.facebook.com/thethomknoleshttps://www.youtube.com/c/thomknoleshttps://thomknoles.com/ask-thom-anything/

And Joash did what was right in the eyes of Yahweh all the days of Jehoiada the priest. 2 Chronicles 24:2 But the wisdom from above is first pure, then peaceable, gentle, open to reason, full of mercy and good fruits, impartial and sincere. James 3:17 So put away all malice and all deceit and hypocrisy and envy and all slander. Like newborn infants, long for the pure spiritual milk, that by it you may grow up into salvation— if indeed you have tasted that the Lord is good. - 1 Peter 2:1-3   This Episode's Links and Timestamps: 00:24 – Scripture Reading 05:19 – Thoughts on the Reading 33:55 – Personality Assessment, Understand Myself --- Send in a voice message: https://podcasters.spotify.com/pod/show/garrett-ashley-mullet/message

Summer is a unique time. A time to rest, vacation, and just break the normal routine. Summer is an easy time to unplug and not have a lot to show for it. Let this summer be different. On today's podcast Ronnie Floyd will walk you through how to make the most of your summer by growing your relationship with God!

Ashley Frawley and Douglas Lain discuss Benjamin Studebaker's essay for Sublation Magazine entitled "The Left Cannot Make Use of the Gaza War" and Doug reads the opening remarks he gave at the Platypus panel "From Politics to Protest" last week.The Left Cannot Make Use of the Gaza War https://sublationmedia.com/the-left-cannot-make-use-of-the-gaza-war/Join Us For a Second Hourhttps://www.patreon.com/posts/from-politics-to-103343741Support Sublation Media on Patreonhttps://patreon.com/dietsoap

Message Notes: http://bible.com/events/49241865

Message Notes: https://my.bible.com/events/49238147

சுவர்க்கம் செல்ல ரமழானை அழகியமுறையில் பயன்படுத்துவோம்மவ்லவி முபாரக் மஸ்வூத் மதனி | Mubarak Masood Madani

Remember when the Lakers had a terrible, terrible offense, and the only way they could score was in transition or at the free throw line? Well, that's not an issue anymore. The Lakers have, particularly since reconfiguring the starting lineup (again), been one of the best offensive teams in the NBA. In every category that matters, and it's not something fueled by what some critics call "junk" offense. (Meaning, living at the line.) Over their last 15 games, the Lakers have posted the following: 121.4 ppg (4th)offensive rating 119.8 (2nd)52.5% FG (1st)39.8 3PT% (4th)... which makes their 29th 3PA especially egregious. Why won't they take more?61.5 points in the paint per game (1st)15.3 fast break points per game (9th)4th for unassisted 3PTs -10th turnovers per game (12.7, just 1.1 off from leading the league)9th for Turnover %This is good work. And its with the bench producing virtually nothing, as of late. The main source (by expectation, at least) of scoring would be Spencer Dinwiddie, but he's not been giving the Lakers points to speak of. But why? Dinwiddie has said he's just trying to fit in on a team with a well-established pecking order. But maybe he's trying a little too hard? His usage rating is lower than Jaxson Hayes, who isn't allowed to dribble. Can the Lakers get him going? Are there other signs, though, that the Lakers might have a good team buried under a relatively mediocre record? Is the schedule finally opening up? And why, oh why, couldn't the Lakers have hired statue makers who can proofread their work? HOSTS: Andy and Brian Kamenetzky SEGMENT 1: The Lakers offense is on fire. Why? Will it last? SEGMENT 2: Can the Lakers fix Spencer Dinwiddie? SEGMENT 3: Seriously, who proofread the Kobe statue?  Support Us By Supporting Our Sponsors!Stitch FixStyle that makes you feel as good as you look—get started today at StitchFix.com/LOCKEDONNissanOur friends at Nissan have a lineup of SUV's with the capabilities to take your adventure to the next level. Take the Nissan Rogue, Nissan Pathfinder, or Nissan Armada and go find your next big adventure. Shop NissanUSA.com.LinkedInLinkedIn Jobs helps you find the qualified candidates you want to talk to, faster. Post your job for free at LinkedIn.com/LOCKEDONNBA. Terms and conditions apply.eBay MotorsFor parts that fit, head to eBay Motors and look for the green check. Stay in the game with eBay Guaranteed Fit at eBayMotos.com. Let's ride. eBay Guaranteed Fit only available to US customers. Eligible items only. Exclusions apply.BetterHelpThis episode is sponsored by BetterHelp. Make your brain your friend, with BetterHelp. Visit BetterHelp.com/LOCKEDONNBA today to get 10% off your first month.PrizePicksGo to PrizePicks.com/lockedonnba and use code lockedonnba for a first deposit match up to $100!GametimeDownload the Gametime app, create an account, and use code LOCKEDON for $20 off your first purchase.FanDuelGet buckets with your first bet on FanDuel, America's Number One Sportsbook. Right now, NEW customers get ONE HUNDRED AND FIFTY DOLLARS in BONUS BETS with any winning FIVE DOLLAR BET! That's A HUNDRED AND FIFTY BUCKS – if your bet wins! Visit FanDuel.com/LOCKEDON to get started. FANDUEL DISCLAIMER: 21+ in select states. First online real money wager only. Bonus issued as nonwithdrawable free bets that expires in 14 days. Restrictions apply. See terms at sportsbook.fanduel.com. Gambling Problem? Call 1-800-GAMBLER or visit FanDuel.com/RG (CO, IA, MD, MI, NJ, PA, IL, VA, WV), 1-800-NEXT-STEP or text NEXTSTEP to 53342 (AZ), 1-888-789-7777 or visit ccpg.org/chat (CT), 1-800-9-WITH-IT (IN), 1-800-522-4700 (WY, KS) or visit ksgamblinghelp.com (KS), 1-877-770-STOP (LA), 1-877-8-HOPENY or text HOPENY (467369) (NY), TN REDLINE 1-800-889-9789 (TN)

நோய் வருவதற்கு முன்மவ்ளவி ஃபக்ருதீன் இம்தாதி | Fakrudeen Imthadi30-01-2024

What was your favorite science story of 2023? Was it the rise of orca-involved boat sinkings? Or maybe the successful landing of India's Chandrayaan-3 mission at the moon's south pole? This week, it's the second and final part of our annual event about the best science stories of the year, with a roundup of some of the good news, animal news and all-around most important stories of 2023. Like how researchers discovered the high-tech material called graphene can also occur naturally…and did, deep in the Earth, 3 billion years ago. Or how the World Health Organization ended the global health emergency declaration for covid-19.Plus, wonders from the animal kingdom: innovative bird nests made of anti-bird spikes, cooperation between dolphins and fishermen in Brazil and the incredible clogging power of hagfish slime.Hosts Timothy Revell and Christie Taylor discuss all of this and more with guests Clare Wilson, Sam Wong, and Leah Crane. To read more about these stories, visit newscientist.com.And if you're still looking for more of the best stories from 2023, enjoy our best features free December 27-31. What's behind the recent explosion in ADHD diagnoses?Is the entire universe a single quantum object?Climate change: Something strange is happening in the Pacific and we must find out whyThe civilisation myth: How new discoveries are rewriting human historyRevealed: What your thoughts look like and how they compare to others Hosted on Acast. See acast.com/privacy for more information.

Set the context for a joyful, exuberant day with a short, powerful message from Sadhguru. Explore a range of subjects with Sadhguru, discover how every aspect of life can be a stepping stone, and learn to make the most of the potential that a human being embodies.  Conscious Planet: https://www.consciousplanet.org Sadhguru App (Download): https://onelink.to/sadhguru__app Official Sadhguru Website: https://isha.sadhguru.org Sadhguru Exclusive: https://isha.sadhguru.org/in/en/sadhguru-exclusive Inner Engineering Link: isha.co/ieo-podcast Yogi, mystic and visionary, Sadhguru is a spiritual master with a difference. An arresting blend of profundity and pragmatism, his life and work serves as a reminder that yoga is a contemporary science, vitally relevant to our times. See omnystudio.com/listener for privacy informationSee omnystudio.com/listener for privacy information.

Set the context for a joyful, exuberant day with a short, powerful message from Sadhguru. Explore a range of subjects with Sadhguru, discover how every aspect of life can be a stepping stone, and learn to make the most of the potential that a human being embodies.  Conscious Planet: https://www.consciousplanet.org Sadhguru App (Download): https://onelink.to/sadhguru__app Official Sadhguru Website: https://isha.sadhguru.org Sadhguru Exclusive: https://isha.sadhguru.org/in/en/sadhguru-exclusive Inner Engineering Link: isha.co/ieo-podcast Yogi, mystic and visionary, Sadhguru is a spiritual master with a difference. An arresting blend of profundity and pragmatism, his life and work serves as a reminder that yoga is a contemporary science, vitally relevant to our times. See omnystudio.com/listener for privacy informationSee omnystudio.com/listener for privacy information.

How we achieve net zero is more than just a political or environmental decision. It is one that will have huge societal impacts. How we get our energy translates to how we move around, how we heat our homes. It's a reminder that the energy transition has many trade-offs, as we navigate achieving net zero while protecting the wellbeing of people and industry, especially during a cost-of-living crisis.  Might hydrogen be part of the answer? In this special podcast, The Spectator's economics editor Kate Andrews speaks with those working in government, NGOs, and industry about how to unlock this technology. She is joined by Chris Stark, Chief Executive of Climate Change Committee (CCC); Chris Skidmore MP, author of the government's net zero review; Emma Pinchbeck, CEO of Energy UK; and Jon Butterworth, CEO of National Gas.  This podcast is kindly sponsored by National Gas. 

If you're not using the entire classroom to provide both a better experience for your students and an enriched learning process, you're missing out on crucial opportunities to improve outcomes.  From developing effective lessons to diversifying instructional and assessment strategies, the physical classroom plays a major role.  Effective teachers leverage this to generate better students that are more motivated to explore and learn.

As it says in his bio, Jonathan Panetta is “trying to heal the world with a hard rock brain and a punk rock heart.”   In this episode, we talk about how songs like “Inner Demons” deal with mental health and what he hopes people take from listening to them. Jonathan shares the creation process behind his new EP and the different avenues he goes down when it comes to sound and style.   Jonathan's done some collaborating, particularly with friend of the show Dany Horovitz on the single “Make Use of Your Time,” which was inspired by the “Life is Strange” video game series. We talk about working with Dany, how this happened, and other artists he's worked with. Jonathan and I do a little nerding out over the game, the amazing soundtrack and some of the takeaways from the story.   “Inner Demons” also has its own music video, and Panetta worked with Nesskaf Productions and we look at the planning process and cool visuals seen throughout.    Opening this episode is an excerpt from “Make Use of Your Time” and closing things out is the full track, “Inner Demons.”

We have total freedom. But we have used it to put ourselves in bondage. The good news is that what we fear is unreal. By summoning up our courage, our inherent wisdom, and our divine love, we can break all our illusory chains and re-dream the world as a realm of freedom, beauty, goodness, joy, and creative power.   This is an excerpt from a longer teaching posted on our Members Section. Sign up for your free 10-day trial: https://bit.ly/3oqFcCe Learn More About Shunyamurti: https://shunyamurti.org/

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This podcast is a commentary and does not contain any copyrighted material of the reference source. We strongly recommend accessing/buying the reference source at the same time. ■Reference Source https://www.ted.com/talks/safia_elhillo_to_make_use_of_water ■Post on this topic (You can get FREE learning materials!) https://englist.me/18-academic-words-reference-from-safia-elhillo-to-make-use-of-water-ted-talk/ ■Youtube Video https://youtu.be/74MKyNx6FSg (All Words) https://youtu.be/ekWZFOWtV4M (Advanced Words) https://youtu.be/PAdQDNDu1-k (Quick Look) ■Top Page for Further Materials https://englist.me/ ■SNS (Please follow!)

Mentioned:  - Download my Worldbuilding Checklist - https://myimaginaryfriends.net - Erin Bowman workshop "Fundamentals of Design" - https://embowman.com/workshops/fundamentals-of-design/ - The Release Ratio: How to Make Use of Everything You Know - https://moretothat.com/release-ratio/ - “How Writing Your Synopsis Can Fix Your Book” by Allison K Williams - https://www.janefriedman.com/how-writing-your-synopsis-can-fix-your-book/  - Unravel Your Year Free Guide - https://susannahconway.mykajabi.com/unravel-your-year-2023 - VirtuousCon Feb. 25-26, 2023 - https://virtuouscon.com/ - TBRCon - Jan. 22-29, 2023 - https://youtube.com/@FanFiAddict - ChatGPT bot - https://chat.openai.com/chat - Joanna Penn - https://www.thecreativepenn.com/future/ - Junot Diaz in Limbo - https://www.semafor.com/article/11/27/2022/junot-diaz-in-limbo   The My Imaginary Friends podcast is a weekly, behind the scenes look at the journey of a working author navigating traditional and self-publishing. Join fantasy and paranormal romance author L. Penelope as she shares insights on the writing life, creativity, inspiration, and this week's best thing. Subscribe and view show notes at: https://lpenelope.com/podcast | Get the Footnotes newsletter - https://myimaginaryfriends.net Support the show - http://frolic.media/podcasts! Stay in touch with me! Website | Instagram | Twitter | Facebook Music credit: Say Good Night by Joakim Karud https://soundcloud.com/joakimkarud Creative Commons — Attribution-ShareAlike 3.0 Unported— CC BY-SA 3.0 http://creativecommons.org/licenses/by-sa/3.0/ Music promoted by Audio Library https://youtu.be/SZkVShypKgM Affiliate Disclosure: I may receive compensation for links to products on this site either directly or indirectly via affiliate links. Heartspell Media, LLC is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.com.

On this episode of the Modern Homesteading Podcast, Harold and Rachel Share 8 Valuable Ways To Make Use Of The Fallen Leaves On The Homestead. The Modern Homesteading Podcast, Episode 167 – November 15, 2022 Join us on Patreon for commercial-free episodes, bonus episodes, and more - https://www.patreon.com/ModernHomesteadingPodcast For Show Notes and Links To Things We Talk About Go To - https://redemptionpermaculture.com/8-ways-to-make-use-of-fallen-leaves

This week on Dreamland we are joined by Dr Bernard Beitman, a psychologist and author of the book Meaningful Coincidences: How and Why Synchronicity and Serendipity Happen. Bernard explains how a true synchronicity works and what we can do to bring more of this underlying harmony into our own lives. He discusses the difference between ordinary chance and a truly significant event, and how we can recognise these important moments.

Federal Reserve Chair Jerome Powell kept it short and sour last Friday, and stocks have fallen in all four trading sessions since he re-announced his hawkishness with authority at the Jackson Hole Economic Symposium. With traders pricing in a 75-basis-point rate hike in September, the path forward for the U.S. seems a little less fraught than the one facing Europe, where rationing and recession loom in consequence of the continent's energy crisis. That's with inflation rising to a fresh record in August and virtually goading the European Central Bank into its own major rate hike when it meets next week. Imran Lakh, the founder and CEO of Options Insight, joins Real Vision's Andreas Steno Larsen to talk about volatility and how to trade it using options. We also hear from Dario Perkins about the short-, medium-, and long-term outlook for bonds amid a time of historic uncertainty. Watch the full conversation between Dario Perkins and Andreas Steno Larsen here: https://rvtv.io/3KqkvBL. Learn more about your ad choices. Visit megaphone.fm/adchoices

Al from Scotland guest hosts this week to discuss using our rationality while we still have it!

During the pandemic, one thing we've had a little more of--at least sometimes--is time. Time to panic and stress and worry, but also time to think and reflect. This week, in the spirit of reflection, we're revisiting a conversation with theoretical physicist Sean Carroll recorded back in 2016. At the time he had just written a book called The Big Picture: On the Origins of Life, Meaning, and the Universe Itself, which explores questions about purpose and belief and meaning. Today, in 2022, his book is even more poignant. If you've ever found yourself feeling woefully insignificant relative to the vastness of space and time, Carroll's perspective might just change your life. He argues that since we only have a limited time in a tiny part of space, we need to make good use of every heartbeat. The Big Picture is a poetic overview of the known universe, with deep insights into the human experience. Support the show: https://www.patreon.com/inquiringminds See omnystudio.com/listener for privacy information.