Podcast appearances and mentions of mary jo

Mary Jo's back with three money topics every farmer and rancher needs to hear. The thread running through all of them: it's not how much money you make — it's how you USE it. In this episode: the private equity news making headlines in the life insurance world (and why Mary Jo's clients don't need to panic), the "no medical exam up to $4 million" hook being pitched to farmers on Instagram, and the scarcity mindset that's holding back the entire agriculture industry — including why letting your hired man run a few cows might be the smartest move you make. What you'll learn: Why private equity in life insurance isn't the crisis the headlines suggest The truth behind "express underwriting" and no-medical-exam policies Why lying on an application means your claim won't get paid "If you can't manage a dollar, you can't manage a million" The scarcity mindset — and why helping your employees succeed helps YOU ⏱️ Chapters: 0:00 Intro & What's On Today's Mind 1:12 Private Equity in Life Insurance (Mass Mutual in the News) 4:05 The "$4M No-Medical" Hook Targeting Farmers 11:19 It's Not What You Make, It's How You Use It 15:08 Let Your Hired Man Run Cows? The Scarcity Mindset 21:23 Wrap-Up & How to Reach Mary Jo

Buying a whole life insurance policy for infinite banking? Many agents have no idea what they're actually selling you — and it could cost you decades of compound growth. In this episode, Mary Jo breaks down the 5 things you MUST check before you sign anything, based on a real client who bought from a local agent instead of coming to her first (and what he got wrong): 1️⃣ Does it have cash value in Year 1? (If not, you bought traditional whole life — not a policy designed for infinite banking) 2️⃣ Is there a Paid-Up Additions (PUA) rider — and how flexible is it? 3️⃣ Is there term insurance riding on it, and does the death benefit drop off later? 4️⃣ Is it a dividend-paying policy, and where are those dividends going? 5️⃣ Is your agent talking about a "rate of return"? (If so, it's not whole life — run) Mary Jo also shares the real story of her husband's policy losing $500,000 in death benefit overnight when a level term rider dropped off — a mistake she now makes sure her clients never repeat. ⏱️ TIMESTAMPS 0:00 – Why Mary Jo won't give advice on a policy she didn't sell you 1:46 – The 5 things to check before buying a whole life policy 8:12 – How her husband's policy lost $500K in death benefit overnight 14:35 – Recap: the 5-point checklist 15:57 – Why "just tell me how to use it" doesn't work that way Want Mary Jo or John to review an illustration you've already been sold — or one someone's trying to sell you? Email the show. We'll tell you exactly what to watch for.

Friend of the show, actress & author Mary Jo Eustace joins Jann to discuss her recent return to live television! She tells Jann about her experience on Breakfast Television, while reflecting on her early challenges in the entertainment industry. They discuss the legacy of her cooking show 'What's for Dinner', which MJ would love to reboot. As always, they also talk love, relationships, and personal growth. The discussion also touches on the challenges and triumphs of navigating life after divorce. Mary Jo shares her insights on sexuality and the misconceptions surrounding aging, ultimately celebrating the vibrancy and resilience of women over 60. https://www.instagram.com/maryjoeustace/ https://www.womeninmedia.network/show/senior-bitches/ What's For Dinner on YouTube #ASKJANN - want some life advice from Jann? Send in a story with a DM or on our website. Leave us a voicenote! ⁠www.jannardenpod.com/voicemail/⁠⁠ Get access to bonus content and more on Patreon: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.patreon.com/JannArdenPod⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Connect with us: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.jannardenpod.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.instagram.com/jannardenpod⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.facebook.com/jannardenpod Chapters: (00:00) Introduction to Mary Jo Eustace (02:57) Love and Relationships: A Shift in Perspective (05:52) The Journey of Self-Discovery (08:55) Returning to Television: Morning TV Experience (11:59) The Legacy of 'What's for Dinner' (14:57) Navigating Divorce and Personal Growth (18:00) Future Aspirations and New Projects (30:53) The Rise of Online Contempt (32:10) Sabotage and Reality Distortion (34:11) Public Humiliation and Personal Growth (35:23) Aging and Self-Acceptance (36:59) Cutting Toxic People Out (38:42) Navigating Relationships and Expectations (40:34) The Complexity of Modern Relationships (42:52) Compassion and Understanding in Relationships (46:11) Sexuality and Aging (47:53) Challenging the Narrative of Invisibility Learn more about your ad choices. Visit megaphone.fm/adchoices

Sister Mary Jo Sobieck joins the Lisa Dent to talk about Tuesday night’s White Sox “Pope Night” at Rate Field where she will be throwing the ceremonial first pitch. She shares her history as a 3-sport athlete and how her God-given talent, as she would put, has led her to be chosen to throw the […]

Hosts Pastor Robert Baltodano and Pastor Larry Powers Question Timestamps: Chris, VA (4:43) - When Adam and Eve walked with God, did they see Jesus? Did they hear a voice? Matthew, NJ (9:46) - Will Satan be around causing problems during the Millennial Reign? Will some of us be on Earth and some of us in heaven during the Millennial Reign? Charlie, NJ (15:35) - How much can I eat to help regulate my glucose during a fast? Pam, MA (20:09) - Is Jesus coming soon? Are the signs in the world like the days of Noah? Brian, email (23:02) - What should you say to a non-believer who says there is nothing wrong with premarital sex? Susan, email (25:19) - If God saved people before Jesus came, how does that fit with Jesus saying He is the only way to the Father? Mary Jo, caller (26:51, continued after break at 33:33) - How would you respond to a Jehovah's Witness that says 1 Corinthians 13 proves Jesus is not God? Victor, email (38:16) - Why does God seem to want sacrifices in Ezekiel 43, but detest them in other parts of the Bible? John, email (39:47) - How are we supposed to understand the grief of the believers during the White Throne Judgment in Revelation 21? Kevin, HI (42:09) - What do "wine is a mocker" and "strong drink is a brawler" mean? Bryant, email (44:06) - Why does God ask us to obey the government, when the government disregards God's moral law? Michael, email (47:00) - Does taking a well paying or easy job show that you aren't trusting God? Joshua, email (49:04) - Is it necessary to read the books left out of the Bible, like Enoch or Maccabees? Robinson, NY (49:51) - Why did you say people shouldn't fast? Lori, email (54:00) - How do I know what God's calling is for my life? What is the best way to gain clarity on this? Ask Your Questions: Call: 888-712-7434 Email: Answers@bbtlive.org

Mary Jo Irmen walks through a real whole life insurance policy illustration for a 27-year-old client paying just $6,000 a year — and the numbers might surprise you. In this episode, Mary Jo breaks down what the cash value growth actually looks like year by year, what happens when you add extra premium in year one, and why so many people have been waiting too long to get started when they didn't need to. What you'll learn in this episode: - Why $500/month ($6,000/year) is enough to build serious cash value over time - How compound interest and dividends work once your policy "crosses over" (around year 4) - The paid-up additions rider and why it accelerates your break-even point to year 7 - What happens if you put in an extra $11,000 in year one — and how that impacts your cash value at age 82 - Why paying in $211,000 over a lifetime can result in $843,000+ in accessible cash value - How health ratings affect death benefit (not cash value as much as you think) - Why you should stop waiting until you "have enough" — and just start Ready to get started?

Trump gets immunity from tax audits, John and Mary Jo discuss.

Authors John and Maria Jose Tenuto return to The Trek Files to share a seemingly ordinary filming notice distributed to guests at the Monterey Bay Aquarium during production of Star Trek IV: The Voyage Home. But for John, it's much more than a production handout, it's a family keepsake. In April 1986, John's parents unknowingly visited the aquarium on a day when Leonard Nimoy, William Shatner, and the Star Trek IV cast were filming. They saved the notice, recorded the production on a home VHS camcorder, and brought home an extraordinary piece of behind-the-scenes history. Decades later, that footage and flyer helped document one of the franchise's most beloved films. Larry, John, and Mary Jo explore the logistics of filming at a working public aquarium, Leonard Nimoy's commitment to the film's environmental message, and how a family vacation unexpectedly became part of Star Trek history. Documents and Additional References Document of the Week Monterey Bay Aquarium visitor filming notice for Star Trek IV: The Voyage Home (April 1986) Additional References Star Trek IV: The Voyage Home Monterey Bay Aquarium Leonard Nimoy William Shatner John Tenuto Maria Jose Tenuto The Making of Star Trek IV: The Voyage Home by John and Maria Jose Tenuto (Titan Books) Previous The Trek Files appearance by John and Maria Jose Tenuto discussing Star Trek II, Star Trek III, and Star Trek IV production history.

Authors John and Maria Jose Tenuto return to The Trek Files to share a seemingly ordinary filming notice distributed to guests at the Monterey Bay Aquarium during production of Star Trek IV: The Voyage Home. But for John, it's much more than a production handout, it's a family keepsake. In April 1986, John's parents unknowingly visited the aquarium on a day when Leonard Nimoy, William Shatner, and the Star Trek IV cast were filming. They saved the notice, recorded the production on a home VHS camcorder, and brought home an extraordinary piece of behind-the-scenes history. Decades later, that footage and flyer helped document one of the franchise's most beloved films. Larry, John, and Mary Jo explore the logistics of filming at a working public aquarium, Leonard Nimoy's commitment to the film's environmental message, and how a family vacation unexpectedly became part of Star Trek history. Documents and Additional References Document of the Week Monterey Bay Aquarium visitor filming notice for Star Trek IV: The Voyage Home (April 1986) Additional References Star Trek IV: The Voyage Home Monterey Bay Aquarium Leonard Nimoy William Shatner John Tenuto Maria Jose Tenuto The Making of Star Trek IV: The Voyage Home by John and Maria Jose Tenuto (Titan Books) Previous The Trek Files appearance by John and Maria Jose Tenuto discussing Star Trek II, Star Trek III, and Star Trek IV production history.

Authors John and Maria Jose Tenuto return to The Trek Files to share a seemingly ordinary filming notice distributed to guests at the Monterey Bay Aquarium during production of Star Trek IV: The Voyage Home. But for John, it's much more than a production handout, it's a family keepsake. In April 1986, John's parents unknowingly visited the aquarium on a day when Leonard Nimoy, William Shatner, and the Star Trek IV cast were filming. They saved the notice, recorded the production on a home VHS camcorder, and brought home an extraordinary piece of behind-the-scenes history. Decades later, that footage and flyer helped document one of the franchise's most beloved films. Larry, John, and Mary Jo explore the logistics of filming at a working public aquarium, Leonard Nimoy's commitment to the film's environmental message, and how a family vacation unexpectedly became part of Star Trek history. Documents and Additional References Document of the Week Monterey Bay Aquarium visitor filming notice for Star Trek IV: The Voyage Home (April 1986) Additional References Star Trek IV: The Voyage Home Monterey Bay Aquarium Leonard Nimoy William Shatner John Tenuto Maria Jose Tenuto The Making of Star Trek IV: The Voyage Home by John and Maria Jose Tenuto (Titan Books) Previous The Trek Files appearance by John and Maria Jose Tenuto discussing Star Trek II, Star Trek III, and Star Trek IV production history.

Join Mary Jo (Pines) and Kellie (Pluto) as they celebrate the fifth anniversary of the Poitcast! In this festive episode, all the hard questions will be asked. Were their goals for the podcast met? Any regrets? What was Pinky's best drag performance? If they got to spend a day with Pinky and The Brain, what activities would they do? What would their ideal Pinky and The Brain episode or movie look like?Also, we welcome our canine cohost, Desi the shih tzu!Special thanks to Marc Halem of the podcast That's Not Quite All, Folks for assisting us during the brainstorming phase of the episode. 0:00 - 5:11 - Intro (Pinky and The Brain featured in Coyote vs. Acme marketing)5:12 - 14:29 - News (Tribute to Luis de la Rosa and introduction to Desi)14:30 - 1:04:47 - Mary Jo and Kellie ask each other five questions1:04:48 - 1:28:11 - Listener question1:28:12 - 1:30:15 - Contact Information and ConclusionContact Us!Email: thepoitcast@gmail.comTwitter: @poitcastTumblr: poitcast.tumblr.comCover Art by @mygames19Opening Theme Song arranged by ComposerrClosing Theme Song arranged by Ian Knowles

Are you waiting until you have more money before starting infinite banking? Mary Jo Irmen explains why you may not need $100,000—or even a large amount of money—to begin. In this episode of Farming Without the Bank, Mary Jo discusses why people often delay after reading the book, how to identify a comfortable starter premium, and why starting with a smaller policy can be better than waiting indefinitely. She also explains how a system of multiple policies works, how to use future cash flow from paid-off loans or side work, and why planning ahead for family land and estate needs matters. The goal is not to force a premium that does not fit your situation. It is to make the appointment, look at the numbers, and determine what is realistic for you right now. As Mary Jo explains, the numbers in the book are examples—not requirements. Sometimes, you simply need to subtract a zero and start where you are comfortable. Chapters: 00:00 Stop Waiting To Start 00:57 Podcast Intro And Big Question 01:11 Why People Delay After Reading 02:51 Using Policies Not Saving 03:52 Finding A Starter Premium 06:13 System Of Multiple Policies 07:35 Family Land And Dad Policy 10:23 Create Cash Flow Ideas 13:24 Make The Appointment 14:53 Reread And Next Steps #FarmingWithoutTheBank #InfiniteBanking #WholeLifeInsurance

What should you do when a large sum of money suddenly comes your way? In this episode of Without the Bank, Mary Jo Irmen explains pratical financial strategies and how to think through a lump sum from an inheritance, business sale, real estate transaction, oil or mineral income, death benefit, or other unexpected source of money. Mary Jo compares different ways to structure and manage a lump sum, including IRAs, annuities, CDs, brokerage accounts, and properly designed life insurance. She discusses liquidity, taxes, market risk, required distributions, long-term care, future cash flow, and how your decisions may affect the money you leave to your heirs. The central question is not simply, "Where should I put the money?" It is: "What is this money supposed to accomplish, and how can I structure it around my life, cash flow, and legacy goals?" Mary Jo also shares examples involving oil income, inherited wealth, and a potential $17 million death benefit to illustrate why large sums require careful planning rather than an impulse purchase or a rushed investment decision. Chapters 00:00 Don't Blow the Windfall 00:26 Welcome and Big Money Questions 00:52 What Counts as a Lump Sum 01:27 Small Windfalls and Premium Reality 03:17 Single Premium and Tax Tradeoffs 03:51 Oil Money and Irregular Income 05:29 Where to Park Extra Cash 11:05 Spending Traps and Lottery Lessons 12:47 Skepticism on High Return Promises 17:21 Why Life Insurance Wins Long Term 18:55 Long Term Care and Legacy Goals 21:18 Key Takeaways and Next Steps

Watch the show on television by downloading the SuperCrowd.tv Channel app to your Roku or Amazon Fire TV or e360tv channel app to your Roku, LG or Amazon Fire TV. You can also see it on YouTube.Devin: What is your superpower?David: My superpower is seeing the gifts and the light in others.Innovation is reshaping education, and Changemaker Education is leading the charge with a bold, disruptive solution: micro schools. Rather than trying to fix large, traditional schools, micro schools embrace intimacy and personalized learning as their foundation for success.David K Richards, founder and CEO of Changemaker Education, explains that micro schools are “a redux of the one-room schoolhouse”—small schools hosting anywhere from five to 100 students. These schools nurture close relationships between educators, students, and families. “You get to know the child really well. You get to know the family really well. And now you have this small community raising your child,” David shared in today's episode.The movement aims to replace public education's “factory model,” which David describes as a system designed to batch-process students: “The system isn't broken; it's doing what it was built for.” However, some 75% of high school students today dislike their schools—a statistic that highlights the need for an alternative approach.Changemaker Education supports teachers and community leaders in launching micro schools by providing business tools, coaching, and resources. David summarized the goal: “We provide you with the business infrastructure, the marketing, the budget—all the things you need—so you can focus on your magic as an educator.” This affiliate-based framework allows schools to maintain local autonomy while tapping into a national network for resources and scalability.A powerful factor helping the micro school movement grow is the rise of state voucher programs. In 24 states, families can use education savings accounts to fund alternative schooling options, including micro schools. “In Texas, for example, the state will write you a check for $10,000,” David noted. This funding empowers educators to create transformational learning environments while keeping costs low for families.Changemaker Education is scaling rapidly, with 25 affiliated schools across 18 states and ambitious plans for growth. To accelerate their impact, the company is raising capital through a regulated crowdfunding campaign on Wefunder.The opportunity to invest in Changemaker Education isn't just about potential financial returns. It's about joining a movement that's rewriting the narrative of education in America and beyond. As David said, “Look what happens when you create a system where kids are loved, and adults are empowered.”tl;dr:Micro schools offer a revolutionary solution for students unhappy with traditional education systems.Changemaker Education provides tools and support for teachers and leaders to start micro schools.State voucher programs empower families to fund alternative educational options like micro schools.David's superpower, seeing the light in others, led him to empower educators like Mary Jo Fairhead.Changemaker Education's crowdfunding campaign on Wefunder fuels their mission and rapid growth.How to Develop Seeing the Light in Others As a SuperpowerDavid describes his superpower as the ability to see the gifts, strengths, and potential in others. “My superpower is seeing the gifts and the light in others.” By recognizing individuals' hidden talents and unique traits, David has helped educators and students identify their paths to success. He insists that this skill stems from cultivating self-awareness and self-love: “Once you start to see the gifts in yourself and truly love yourself…you can see the gifts that everybody has.”David shared the transformative story of Mary Jo Fairhead from South Dakota's poverty-stricken Pine Ridge Reservation. As David coached her, he uncovered her dream to start a school, helping her channel her passion into creating a successful micro school. Mary Jo's school has won prestigious funding and dramatically improved her community. “I could see there was something missing in her fulfillment. When she said she wanted to start a school, I knew we had to make it happen,” David explained.Actionable Tips to Develop This Superpower:Reflect on your own strengths, gifts, and accomplishments to cultivate self-awareness.Replace judgment with curiosity when interacting with others.Ask open-ended, meaningful questions to understand others' passions and aspirations.Practice empathetic listening to uncover hidden potential in those around you.Create opportunities or provide guidance that empowers others to act on their strengths.By following David's example and advice, you can make seeing the light in others a skill. With practice and effort, you could make it a superpower that enables you to do more good in the world.Remember, however, that research into success suggests that building on your own superpowers is more important than creating new ones or overcoming weaknesses. You do you!Guest ProfileDavid K Richards (he/him):Founder & CEO, Changemaker Edu Inc.About Changemaker Edu Inc.: Join the microschool movement—whether you're a family searching for a more human, personalized approach to learning—or a visionary founder ready to run your own school, you're part of a growing movement. Changemaker Education is reimagining school from the inside out. One microschool, one community, one child at a time. Changemaker Education helps families discover extraordinary life-changing microschools and supports Founders in launching personalized learning environments that nurture your child's full potential through love, autonomy, community, creativity, and equity.Website: changemakereducation.comCompany Facebook Page: facebook.com/profile.php?id=61575163837323Instagram Handle: @changemakereduOther URL: wefunder.com/changemaker.educationBiographical Information: With 25+ years in education reform, David is dedicated to elevating human potential and consciousness through transformative educational programs for both children and adults. Changemaker Education is the culmination of his experience launching award-winning unconventional schools (charter, micro, private), serving as a teacher, school principal, executive, and drawing on his expertise in leadership development, life coaching, and mindset teaching. David's personal healing journey inspired the creation of the Mind, Body, Soul (MBS) program—a core element of Changemaker Education's mission to empower communities and individuals. David holds degrees from UC Berkeley and Stanford University and lives in Sacramento with his family.LinkedIn Profile: linkedin.com/in/davidkrichardsPersonal Facebook Profile: facebook.com/david.richards.94695Support Our SponsorsOur generous sponsors make our work possible, serving impact investors, social entrepreneurs, community builders and diverse founders. Today's advertisers include PurposeBuilt100™ Winners and Climatize. Learn more about advertising with us here.Max-Impact Members(We're grateful for every one of these community champions who make this work possible.)Brian Christie, Brainsy | Cameron Neil, Lend For Good | Carol Fineagan, Independent Consultant | Hiten Sonpal, RISE Robotics | John Berlet, CORE Tax Deeds, LLC. | Justin Starbird, The Aebli Group | Lory Moore, Lory Moore Law | Marcia Brinton, High Desert Gear | Mark Grimes, Networked Enterprise Development | Matthew Mead, Hempitecture | Michael Pratt, Qnetic | Mike Babbit | Coledger Solutions | Mike Green, Envirosult | Nick Degnan, Unlimit Ventures | Dr. Nicole Paulk, Siren Biotechnology | Paul Lovejoy, Stakeholder Enterprise | Pearl Wright, Global Changemaker | Scott Thorpe, Philanthropist | Sharon Samjitsingh, Health Care Originals | Add Your Name HereUpcoming SuperCrowd Event CalendarIf a location is not noted, the events below are virtual.Join the SuperCrowd Impact League! You can be recognized for making impact investments via Reg CF. See how your activity compares to your peers. It's free. Win valuable prizes. Start now!SuperCrowd Impact Member Networking Session: Impact (and, of course, Max-Impact) Members of the SuperCrowd are invited to a private networking session on August 11th at 8:00 PM ET/5:00 PM PT. Mark your calendar. We'll send private emails to Impact Members with registration details. Upgrade to Impact Membership today!SuperCrowd26 featuring PurposeBuilt100™: This August 25–27, founders, investors, and ecosystem leaders will gather for a three-day, broadcast-quality global experience focused on disciplined capital formation, regulated investment crowdfunding, and purpose-driven growth. We're bringing together leading voices in impact investing, compliance, digital marketing, and circular economy innovation to deliver practical frameworks, real-world case studies, and actionable strategies. The event culminates in the PurposeBuilt100™ Showcase, recognizing 100 of the fastest-growing purpose-driven companies in the U.S. Register now to secure your seat and get all the details. August 25–27, streaming worldwide.SuperCrowd26 Live Pitch: Apply to pitch at SuperCrowd26 if you now have and anticipate having a live Reg CF offering on August 26, 2026. This is a completely free opportunity to expose your offering to a large audience.Community Event CalendarSuccessful Funding with Karl Dakin, Tuesdays at 10:00 AM ET - Click on Events.Register Now! October 20th and 21st will be the Crowdfunding Professional Association Regulated Investment Crowdfunding Summit for 2026. This is the event of the year for everyone in the crowdfunding ecosystem.If you would like to submit an event for us to share with the 10,000+ changemakers, investors and entrepreneurs who are members of the SuperCrowd, click here.Manage the volume of emails you receive from us by clicking here.We share educational information—not investment advice. Some links may generate compensation. See our full disclosure.We use AI to help us write compelling recaps of each episode. Get full access to Superpowers for Good at www.superpowers4good.com/subscribe

What happens to your business if your partner dies tomorrow — and you never had a plan? In Episode 279, Mary Jo breaks down the two most overlooked protection tools every business owner and entrepreneur needs from day one: Buy-Sell Agreements and Key Man (Key Person) Insurance Policies. Whether you're launching a new partnership, running a business with your spouse, or have a single key employee your company can't live without — this episode is your wake-up call. In this episode, Mary Jo covers: Why choosing a business partner is essentially like a marriage (and why you need to treat it that way) What a Buy-Sell Agreement actually is — and why you need one before things go sideways How to use whole life insurance for partner buyouts using Infinite Banking Key Man insurance: what it is, who qualifies, and how it's valued Why your corporation should NOT own the policy (and the tax trap hiding inside) What happens to your business if a partner becomes uninsurable The "head in the sand" problem — why spouses must be financially aware Real-world example: how Mary Jo structured her own cattle partnership agreement using ChatGPT

An Iowa widow is suing her financial advisor and two life insurance companies after a premium-financed IUL strategy left her family farm buried in $38 million of debt. Mary Jo has been warning about this exact scheme for years — now there's a real lawsuit to prove it. In Episode 363 of Farming Without the Bank, Mary Jo Irmen breaks down the November 2024 lawsuit involving a debt-free Iowa farm family who was sold $23 million in IUL coverage — with $2.5 million in annual premiums financed through bank loans secured by their paid-off farmland. The strategy was sold as a way to protect the farm from estate taxes. Instead, it put the entire farm at risk. In this episode: The full story behind the Iowa widow's lawsuit (agent Davis, Emeritus, and PacLife) How premium financing works — and why it's especially dangerous for farm families How unethical agents exploit estate tax fears to target debt-free farmers The difference between "churning" and "twisting" — and why neither costs agents their license Why the original $5 million policy would have been enough all along Red flags to watch for if someone is pitching this strategy to you or your family The original $5 million policy would have covered everything. Instead, the debt hit $38 million. Don't let this happen to your farm. If you've been presented with a premium-financed IUL strategy — or know someone who has — reach out before signing anything. Mary Jo and John will review it at no charge.

Most people read to check off a list. Mary Jo reads to implement — and The Noticer by Andy Andrews is one of the books that changed how she connects with clients, leads her team, and shows up in every relationship she has. In this episode, Mary Jo breaks down The Noticer and why every business owner should read it. The core idea is simple but powerful: people show you exactly how they want to be treated — through what they do, what they give, and what they value. Are you paying attention? In this episode: Why reading 52 books a year is worthless if you implement nothing How to apply love languages to your client relationships (and why it works) The art of noticing what your employees, clients, and family truly value Real-life examples: a baking friend, a Christmas party, and a broken septic pipe The book about difficult people that frustrated Mary Jo — and why she doesn't recommend it Why you're allowed to quit a book that's not serving you Books mentioned: The Noticer — Andy Andrews The Noticer Returns — Andy Andrews The Traveler's Gift — Andy Andrews

Wir springen in dieser Folge in die USA, genauer nach San José in Kalifornien. Dort steht ein auf den ersten Blick rätselhaftes Gebäude, bekannt als das Winchester Mystery House. Es ist heute eine viel besuchte Attraktion, der eine geisterhafte Legende zugrunde liegt. Wir sprechen in dieser Folge über diese Legende: wie dieses Haus zustande kam, wer die angeblich so geheimnisvolle Bauherrin war und warum gerade das Ende des 19. Jahrhunderts in den USA ein so fruchtbarer Boden für Geistergeschichten ist. // Erwähnte Folgen - GAG237: Friedrich Anton Mesmer und der Animalische Magnetismus – https://gadg.fm/237 - GAG505: William H. Mumler, Geisterfotograf – https://gadg.fm/505 - GAG546: Sarah Biffin, Miniaturmalerin – https://gadg.fm/546 // Literatur - Haag, Pamela, The Gunning of America: Business and the Making of American Gun Culture, New York: Basic Books, 2016. - Ignoffo, Mary Jo, Captive of the Labyrinth: Sarah L. Winchester, Heiress to the Rifle Fortune, Columbia: University of Missouri Press, 2010. - Junker, Christine R., „Unruly Women and Their Crazy Houses: Sarah Winchester's Unconventional Domesticity“, in: Home Cultures 12/3 (2015), S. 329–346, DOI: 10.1080/17406315.2015.1084763. - Lueck, Amy J., „Haunting Women's Public Memory: Ethos, Space, and Gender in the Winchester Mystery House“, in: Rhetoric Review 40/2 (2021), S. 107–122, DOI: 10.1080/07350198.2021.1883832. Das eingangs erwähnte Past Puzzle findet sich hier: https://www.pastpuzzle.de Hier gibt's die von Lene erwähnte "Lore"-Folge: https://www.lorepodcast.com/episodes/79 //Aus unserer Werbung Du möchtest mehr über unsere Werbepartner erfahren? Hier findest du alle Infos & Rabatte: https://linktr.ee/GeschichtenausderGeschichte //Geschichten aus der Geschichte jetzt auch als Brettspiel! Werkelt mit uns am Flickerlteppich! Gibt es dort, wo es auch Becher, T-Shirts oder Hoodies zu kaufen gibt: https://geschichte.shop // Wir sind jetzt auch bei CampfireFM! Wer direkt in Folgen kommentieren will, Zusatzmaterial und Blicke hinter die Kulissen sehen will: einfach die App installieren und unserer Community beitreten: https://www.joincampfire.fm/podcasts/22 //Wir haben auch ein Buch geschrieben: Wer es erwerben will, es ist überall im Handel, aber auch direkt über den Verlag zu erwerben: https://www.piper.de/buecher/geschichten-aus-der-geschichte-isbn-978-3-492-06363-0 Wer unsere Folgen lieber ohne Werbung anhören will, kann das über eine kleine Unterstützung auf Steady oder ein Abo des GeschichteFM-Plus Kanals auf Apple Podcasts tun. Wir freuen uns, wenn ihr den Podcast bei Apple Podcasts oder wo auch immer dies möglich ist rezensiert oder bewertet. Wir freuen uns auch immer, wenn ihr euren Freundinnen und Freunden, Kolleginnen und Kollegen oder sogar Nachbarinnen und Nachbarn von uns erzählt! Du möchtest Werbung in diesem Podcast schalten? Dann erfahre hier mehr über die Werbemöglichkeiten bei Seven.One Audio: https://www.seven.one/portfolio/sevenone-audio

Trump gets a suspension overturned, John and Mary Jo discuss.

Are you wondering if your life insurance policy will actually be there when your family needs it? Mary Jo Irmen walks through multiple real-life life insurance policy review illustrations showing exactly how flexible premium universal life, variable universal life (VUL), and adjustable universal life policies perform over time — and why so many of them collapse before you're likely to die, leaving your family with no death benefit and no cash value. What you'll learn in this episode: What an in-force illustration is and how to request one from your carrier Why universal life policies often reach zero cash value before the insured's death — leaving families with NO death benefit Real example: $82,000 paid into a policy → zero payout at death How a VUL policy on a 38-year-old lapses completely by age 79 The difference between "current charges" and "max charges" — and why it matters for your life insurance policy lapse risk Why whole life insurance (with paid-up additions rider) is the superior alternative for farm estate planning and farm succession planning How whole life insurance cash value grows predictably compared to universal life Why IUL (indexed universal life) and variable universal life insurance carry hidden risks most agents don't explain What to ask your agent when you get your in-force illustration How whole life insurance for farmers fits into a financial planning and infinite banking strategy

Troubled waters in DC, John and Mary Jo discuss.

What if you could finally have goats and sheep — without building miles of netting or chasing escapes? That's exactly what virtual collars made possible for Meg Greske, and she breaks down EVERYTHING in this episode.

What does it actually cost to run No Fence virtual fencing on a real cattle farming operation — and can you finance it without losing compound interest? Idaho rancher Tyson Coles has run the system for 4 full seasons and shares the real numbers.

Mary Jo Perino joins Jack to talk about the upcoming World Cup match-up between the US and Australia and the successful recruiting done by Mark Pope in the offseason. See omnystudio.com/listener for privacy information.

Is Infinite Banking too good to be true? We're answering the hardest IBC questions every entrepreneur asks. In this episode of Without the Bank, Tarisa takes over the mic to tackle the most common (and controversial) questions about the Infinite Banking Concept. From "What's the rate of return?" to "Why is whole life so expensive?" and "Is my money actually safe?" — she breaks down what every business owner needs to know before starting IBC. If you've ever wondered whether whole life insurance is worth it, how quickly you can access your cash value, or how IBC compares to keeping money in a bank, this episode has your answers. ⏱️ Chapters: 0:00 — Intro & A Word from 80-Year-Old Tarisa 1:12 — What's the Rate of Return? It's a Formula, Not a Number 3:13 — Death Benefit vs. Cash Value Explained 4:08 — Why Is Whole Life So "Expensive"? (Term vs. Whole Life vs. IUL) 7:49 — How Long Do I Have to Pay Premiums? 8:45 — How Soon Can I Access My Cash Value? 9:43 — Is My Money Safe? Banks vs. Life Insurance Companies 13:51 — Mary Jo's Historic Milestone & Final Thoughts

Somewhere in time and space... we nabbed another geek LEGEND for the BRIG! Mary Joe Pehl is a talented writer, actress and comedian who's written for TV, comics and even her 2022 memoir “Dumb Dumb Dumb: My Mother's Book Reviews”. But you probably know her as the villainous Pearl Forrester from the legendary Peabody award-winning, Emmy nominated comedy series Mystery Science Theater 3000! Mary Jo spills the hamdingers on her time with the little show that became a cult phenomenon, as well as other projects like Cinematic Titanic, The Mary Jo Pehl show and more! Watch THE MARY JO PEHL SHOW on the Dumb Industries website! #mysterysciencetheater3000 #MST3K #CinematicTitanic #dumbindustries #maryjopehl RETRO RIDOCTOPUS is ----------------------------------- "Parasite Steve"...... AKA Steve Van Samson (read) "8-Bit Alchemy "...... AKA Tim Krikorian (listen) "Coopster Gold"...... AKA Justin Cooper (subscribe) ------------------------------------------------------------------------- Show your RETROID PRIDE! Get your official GEAR right here!

Is diversifying your farm or ranch actually costing you money? In this episode of Farming Without the Bank, Mary Jo digs into a question that came up four times in one week: should you take your farm profits and diversify into real estate, rentals, or another business — or double down on what you already know? Mary Jo shares her own hard-learned lessons from managing Airbnbs, long-term rentals, and side businesses — and why she's now pulling back to focus on what she actually loves: agriculture and infinite banking. Plus, a real client story of a veterinarian who grew from $1.5M to $10M gross in just three years by staying in their lane.

The expertise of your financial advisor is paramount. A truly effective advisor asks insightful questions about your entire financial management journey, including your generational wealth planning. They should act as a coach, guiding you on how to create consistent cash flow and implement sound wealth building strategies for the long term. This personalized financial planning approach is key to securing your family's future. Stop worrying about policy splits and company brands. Your agent is what actually matters. Mary Jo and Trissa break down why these debates are a distraction — and why the single most important decision you'll make is who you choose as your agent. In this episode, we cover: • Why policy structure debates are missing the point • Whole life vs universal life: what actually matters • The Toyota/Honda analogy — and why how you drive beats what you drive • Why One America works for farmers and blue collar families • The widow story that proves why proper coverage matters • How to spot an agent who will actually coach you

Trump storms out of an interview, John and Mary Jo discuss.

Doug Ferguson reveals his Sell/Buy Marketing cattle system — profit in any market without the bank.

In this episode, Michael and Tom are joined by special guest Mary Jo to explore the history of EPCOT's Mexico Pavilion, then take a journey inside.Links:Michael's Disneyland History SegmentsImportant DIS links and more information!Connecting with Walt on TwitterDreams Unlimited TravelSources:Books/Papers:Walt Disney's EPCOT Center: Creating the New World of Tomorrow, Text by Richard R. BeardThe EPCOT Explorer's Encyclopedia: A Guide to Walt Disney World's Greatest Theme Park by R.A. PedersenThe Hidden Magic of Walt Disney World by Susan VenessExtra Secret Stories of Walt Disney World by Jim KorkisMore Secret Stories of Walt Disney World by Jim KorkisRecognizing and Representing Mexico at EPCOT Center's Mexico Pavilion by Randal SheppardWebsites/Articles:Mexico Pavilion at EPCOT - GrokipediaWho Actually Owns the World Showcase Pavilions in EPCOT? – Disney Food Blog Hosted on Acast. See acast.com/privacy for more information.

Banks are pulling credit from good borrowers — here's how to protect your farm's financial future.

Hosts Pastor Robert Baltodano and Pastor Lloyd Pulley Question Timestamps: Eugene, NJ (1:48) - When did Lucifer fall? When did he take one third of the angels with him? Mary Jo, NJ (5:40) - Can you explain the verse that says "thou shall not suffer a witch to live?" How do we explain the verse that says women should be quiet and submissive in Timothy? What would you say to an atheist? Theresa, Facebook (19:03) - Can you tell me where the Apostles' Creed comes from? Leady, YouTube (20:38) - Can you explain how to properly pray and fast? Rob, ID (24:00) - Did John the Baptist's disciples continue his ministry after his death? Why didn't they get absorbed by Christianity? Rich, email (27:21) - Does an unborn baby die completely sinless? Grace, email (33:32) - If a believer is living in sexual sin, will this matter in eternity? How does this sin affect the body of the church and the people around them? Mark, NJ (40:06) - When do you say give up on sharing the Gospel with someone or forgiving them? When do you stop forgiving and flee from abuse? Ed, VA (45:49) - Is the Earth a sphere or another shape according to the Bible? Joshua, email (50:31) - What are your tips for sharing the Gospel with antagonistic people? Andy, email (52:02) - How do you defend a young Earth view point? Billy, email (55:05) - Is believing in Jesus a work? Ask Your Questions: Call: 888-712-7434 Email: Answers@bbtlive.org

In this week's episode, both of our storytellers are forced to confront the terrifying unknown and decide how to live in the shadow of what might come.Part 1: After three generations of women in her family develop Alzheimer's disease, Mary Jo Pollack enrolls in a study that could reveal whether she's next. Part 2: When Sabrina Samuel is diagnosed with a brain aneurysm and told to wait a year before surgery, she must choose between living in fear or embracing the time she has. Mary Jo Pollack lives life out loud, not only as an award-winning storyteller but also as a general life philosophy. She has appeared at Odyssey Storytelling, Female Storytelling (FST!), Tellers of Tales Tucson, Phoenix Moth, which she won twice, and numerous virtual shows, including the 2022 Toronto Storytelling Festival. Mary Jo loves the 99-second storytelling format.Southern Nomad, photographer, and nature lover; Sabrina Samuel is originally from Atlanta, Georgia. She enjoyed a childhood full of outdoor adventures with her little sister and their many beloved ponies, ducks, goats, cats, dogs, and rabbits. After studying art at the University of Georgia, she traveled to India and lived there for many years. In 2002, she returned to Atlanta with my husband and 2 kids. Currently, she owns and operate a small real estate photography business, Sabrina Samuel Photography. When she's not working, she enjoy long walks visiting her tall forest friends - Trees. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

The 401k access rules they never taught you — RMDs, hardship withdrawals, loans & hidden costs.

Mary Jo Perino joins Kruser to talk about the passing of Ted Turner and her time working with CNN Headline News. See omnystudio.com/listener for privacy information.

Gross income is a sales pitch. Net income is the truth. Here are the questions you need to ask.

Real clients. Real collapsed policies. Why Universal Life might be quietly robbing your family.

In 1988, Burnt Island Light in Boothbay Harbor became one of the last Maine light stations to be automated and destaffed. In February 1998, the station was transferred to the Maine Department of Marine Resources. Keepers of Burnt Island Light (KBIL) is a non-profit organization that was formed in 2009. Its mission is to support the restoration, preservation and maintenance of Burnt Island and its historic buildings and nature trails. Burnt Island Light, photo by Jeremy D’Entremont Our guest, Mary Jo Marquis, works in administration for the marine sciences bureau of the DMR and is also the vice president of Keepers of Burnt Island Light. The primary topic is the current opening for a caretaker couple to live on the island this summer. The caretakers will live on the island and help welcome visitors, share the history of the lighthouse, and maintain the property. Burnt Island Light Station, photo by Jeremy D’Entremont

Support the show

Most financial plans ignore long-term care—and it can cost you everything you built.

Inspired by a listener suggestion, Michael, Tom, and special guest Mary Jo talk about how Disney parks immerse guests in the storytelling by engaging their senses, sometimes without them even knowing it.Links:Michael's Disneyland History SegmentsImportant DIS links and more information!Connecting with Walt on TwitterDreams Unlimited Travel Hosted on Acast. See acast.com/privacy for more information.

Support the show

Most families assume Medicaid will cover long-term care—until it forces them to sell assets. Long-term care is one of the biggest financial threats to family farms and generational assets. In this episode of Farming Without the Bank, Mary Jo and her guest, long-term care expert Michelle Prather, break down the reality of nursing home care, Medicaid planning, and why so many families end up forced to spend down their assets just to qualify for help. They explain the difference between Medicare and Medicaid, the five-year lookback rule, and how quickly lifetime savings can disappear when care is needed. The conversation also covers how long-term care insurance works, why planning earlier dramatically lowers costs, and how some policies can provide tax-free benefits while protecting land and businesses from forced liquidation. For farmers, ranchers, and landowners, the goal isn't just retirement planning—it's making sure the farm survives the transition between generations. Without preparation, long-term care costs can quietly undo decades of work. Key Takeaways: • Why Medicare does not pay for long-term nursing home care • How the Medicaid spend-down rules can impact farms and land ownership • The 5-year Medicaid lookback rule explained • Why many families end up selling assets to qualify for care • How modern long-term care policies can provide tax-free income for care • Why buying coverage earlier dramatically lowers costs • How some policies include life insurance and cash value if care is never needed Chapters: 0:00 The Real Cost of Long-Term Care 1:40 Medicare vs Medicaid Explained 3:10 The Medicaid Spend-Down Rules 6:10 The 5-Year Lookback Rule 9:00 Why Families Lose Assets to Nursing Home Costs 12:30 The Reality of Medicaid Nursing Homes 15:20 How Long-Term Care Insurance Works 19:50 Strategies to Layer or Ladder Coverage 22:00 Using Inherited IRAs or Windfalls for LTC Planning 24:30 Life Insurance-Based Long-Term Care Policies

Hour 1 for 3/18/26 Drew broadcasts LIVE from the University of Mary and discusses all the great things happening at the University with Msgr. James Shea (1:17), what makes Mary special (10:06), and Msgr. Shea's story (17:54). Then, Drew discusses the Fund for Vocations with Annie Ryland (26:42). Finally, Sister Mary Jo Sobieck, OP covers her story with Drew (39:42). Links: CometoMary.Life https://fundforvocations.org/ https://www.instagram.com/srmaryjo/ Sr. Mary Throw's the First Pitch at a White Sox Game

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

Patrick offers guidance on Catholic teachings regarding confession, anointing of the sick, and honoring loved ones through burial and cremation, weaving in practical advice and Church doctrine with his signature warmth and empathy. Plus, listeners share personal journeys of faith, seek advice on improving their prayer life, and explore the mysteries of suffering and redemption. Kathy – The Abortion Pill Rescue Network (01:09) Delphi (email) - Just pretend that you HAD to be something other than Catholic. Not counting Episcopalian, which denomination would you choose? (06:41) Jesusita - I struggle with forgiving my father. I need help. How can I do this? What resources does the Church offer? (08:28) Kyle (email) – Do you have any recommendations on how to improve my personal prayer life? (13:58) Marie - My oldest sister passed away two years ago. I recently obtained some of her ashes. Can I bury her ashes? (22:27) Mary Jo – What is a victim soul? (24:31) Meredith (15-years-old) - I went to my first Confession and felt rushed. Was it valid? (29:46) Alex (email) – Is it recommended that Catholics be buried in a Catholic cemetery? (34:59) Alan (email) - I have a nephew who was cremated, and they divided up his ashes amongst siblings and parents. I am worried about his soul, but what about St Maximilian Kolbe? Were his ashes buried in a common grave? (37:07) Jan - I was not blessed with a child, but I will say this, when I hold my dog and look into those adoring, trusting, beautiful eyes, I think I glimpse exactly what you were talking about when you referred to your youngest grandchild Pat - Is Anointing of the Sick for the elderly appropriate? (39:59) Linda - Would it be appropriate to be buried with my husband? (44:52) Lisa - I am a lifelong Catholic and don't understand why Jesus had to suffer and die as he did. Why couldn't God just correct the bad? (46:36)

Support the show

The bank refused the loan — but 40 years of whole life insurance quietly said yes. In this episode, Mary Jo shares one of the most powerful real-life examples she's ever seen of what traditional whole life insurance can become over time — even when it's not structured for Infinite Banking. This client started buying whole life policies at age 20 and simply stayed consistent for over 40 years. No fancy strategy. No Infinite Banking design. Just patience, discipline, and a commitment to paying premiums no matter what. When the bank refused to help him rebuild after a major loss, his life insurance stepped in — providing liquidity, flexibility, and control the bank never could. What followed was a complete shift in leverage, power, and perspective. This episode breaks down: Why canceling whole life is often a massive mistake How base-only policies quietly build serious strength over decades What banks don't understand about policy loans And why this client didn't even realize he already owned a bank If you have whole life insurance — or have ever been told to cancel it — you need to hear this.