Podcasts about part b

In this episode, David is whisking us back to Majorca to tell us more about his lovely holidays there at the all-inclusive hotel resort. And he's got plenty more points on the list of things he made while there that he wants to discuss with Joe. Which include - wanting to become a waiter, living a more relaxed life, opinions on thongs, not belonging in England, scary night time toilet trips and a mystery topic that David's too embarrassed to read out on the pod. So he texts it to Joe instead. It's all inclusio!! FOR ALL THINGS CHATABIX'Y FOLLOW/SUBSCRIBE/CONTACT: YouTube: ⁠⁠https://www.youtube.com/@chatabixpodcast⁠⁠ Insta: ⁠⁠https://www.instagram.com/chatabixpodcast/⁠⁠ Twitter: ⁠⁠https://twitter.com/chatabix1⁠⁠ Patreon: ⁠⁠https://www.patreon.com/chatabix⁠⁠ Merch: ⁠⁠https://chatabixshop.com/⁠⁠ Contact us: ⁠⁠chatabix@yahoo.com⁠⁠ Learn more about your ad choices. Visit podcastchoices.com/adchoices

Why does God take people on detours? Pastor Skip shows you that Joseph's journey wasn't random—it was God's preparation.

Political corruption. Power struggles. Self-serving leadership. Are these merely symptoms of fallen humanity, or actually part of God's sovereign plan? Pastor Mike Fabarez offers biblical insight into the messy reality of politics and government, tackling what Romans 13 really teaches about authority and why God established governments despite their inevitable flaws.

My client had the best Medicare insurance available at a very small cost, but decided to drop Part B and her Medicare supplement for over a year while waiting for Social Security enrollment. Bad move! She has been diagnosed with atrial fibrillation. She now must wait until next year to re-enroll in Part B and she may never qualify to get her great supplement again. We started this episode by detailing some of the employee layoffs that at least 18 insurance companies must endure due to uncontrolled expenses. This apparently includes 30,000 to be terminated from United Health Group, the largest health insurance company of them all. In the "Your Medicare Benefits 2025" segment, we learn how Medicare covers Kidney Disease Education for those suffering from those afflictions. Finally I give a short history of the origins and a couple of the quirks of Part D prescription drug plans.      Contact me at: DBJ@MLMMailbag.com (Most severe critic: A+)                   Visit us on: BabyBoomer.ORG Inspired by: "MEDICARE FOR THE LAZY MAN 2025; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers. Official website: https://www.MedicareForTheLazyMan.com.

Do you ever wonder why you stand out? Pastor Skip examines why being uniquely loved can sometimes make you a target.

In this very IRL (in real life) episode, Amy shares the vacation that went awry and how she used solitary time in a very real way. Is solitary time ok in times of trouble? YES!! In fact, our self-care is what brings joy and gratitude in troubled times! Listen in and hear how it looks in real life!   Trying to get healthy and stay healthy is f-ing hard! Everybody struggles with some aspect of it, no matter what they look like or what they tell you. There is no magic formula - a healthy lifestyle is a choice we need to make daily. Join Amy as she supports, informs, and entertains you on your journey toward health.

In Christ there is great liberty, we live to serve the LORD and we have our being in Christ. Therefore living or dying we are the Lords and He will judge our motives as we strive not to judge others.  

Welcome to the KC CHIROpulse Podcast.  This week's topic:  Let's Clear the Air on Medicare!The KC CHIROpulse Podcast is designed for Chiropractic professionals ready to elevate their practice to new heights.  This week, the show is hosted by Kats Consultants' coaches Dr Michael Perusich and Marisa Mateja, seasoned experts in Chiropractic business management.  This podcast provides invaluable insights and actionable strategies to help you create a flourishing and sustainable Chiropractic business.In this episode, we discuss:How misunderstanding the Medicare rules can get you in troubleThe differences between Part B and Part C MedicareWhy verifying benefits is so importantHow the LCD is your key to successful billing…and so much more…In each episode of KC CHIROpulse, we delve into crucial aspects of building a successful Chiropractic practice, covering topics such as establishing a strong foundation, adopting a patient-centric approach, mastering marketing techniques, achieving financial fitness, fostering effective team building and leadership, integrating technology and innovation, and navigating common challenges in the field.Whether you're a seasoned chiropractor or just starting your practice, the KC CHIROpulse Podcast offers a wealth of knowledge and personalized practical advice to help you navigate the intricate world of Chiropractic business. Join us on this journey as we explore proven strategies, share success stories, and connect with industry experts to empower you in your pursuit of building a thriving Chiropractic practice.Don't miss out on the latest insights and expert guidance. Subscribe now and unlock the secrets to taking your Chiropractic practice to the next level. Your success is our priority at Kats Chiropractic Business Advisors.DISCLAIMER:  The information presented in this broadcast is for educational purposes only and is not intended to offer legal, investment, accounting, or medical advice, and represents the opinions of the speakers.  Seek the consultation of a professional for advice in those areas. And remember…your results using this information may be different than described.Be sure to SUBSCRIBE to the Kats Consultants CHIROPulse Podcast When you are ready we can help. Free Resource: Download What's Your Practice Worth? Let's Chat -30-minute chat about your practice Attend a Virtual Seminar Join the new subscription program Path to Prosper KC CHIROpulse Podcast. Helping Chiropractors keep their pulse on success. Thanks for listening.

"Fear not, for I am with you." It's a promise God repeats throughout scripture, but how do we actually experience this comfort during life's darkest moments? Pastor Mike Fabarez discusses the transforming power of God's presence in times of trial. Drawing from Isaiah and the Gospels, he'll unpack how Jesus provides not just companionship but courage when we face overwhelming circumstances.

Paul emphasizes that love fulfills all of God's requirements. “Love does no harm to a neighbor; therefore love is the fulfillment of the law.” (Verse 10) When we put on Christ, we are empowered to love others that in our fleshly selves we are not able to show love to.

Is there unfinished business between you and God? Listen in as Pastor Skip examines why Jacob's return to Bethel became a turning point of grace.

The Believers Authority (Part-B)Welcome to the Shan Kikon Audio Podcast & Sermon.Here you will find sermons to instruct, establish, equip, and release you to fulfil your full potential in Christ.

Where do you place your ultimate hope? In a new job? A relationship? Financial security? Pastor Mike Fabarez illuminates the Christian's true source of hope—not in temporal blessings, but in the glory that awaits. Discover why believers can face today's trials with unshakable confidence by keeping an eternal perspective.

Today’s Broadcast June 9, 2025The Hope of the Christian Life-Part BActs 23:6-10 Listen Download Today's Message Purchase Message Download Worksheet From Series: How God Works in You Purchase Entire Series Broadcast Archive Message Description The Christian hope is to be firmly fixed on our participation in Christ's coming kingdom, which provides us the strength and courage to face all the current challenges in the here and now. Series Description In Acts 22 and 23 the Apostle Paul makes two speeches, one before the Jewish crowds after being detained by the Roman authorities, and the other before the Sanhedrin, Israel's highest ruling body. In both addresses and their associated happenings, we learn much about God's work in Paul's transformed life. Join us for this in-depth look at God's ongoing work as he continues to draw people to himself and make them new from the inside out. Subscribe to PodcastApple PodcastsSpotifyAndroidYoutube MusicThis Month’s ResourceReceive Monthly Insight from Pastor MikeSign up to receive Pastor Mike Fabarez’s Monthly Ministry Update in your inbox. Contact Permission By clicking the “Subscribe” button above, I am requesting to receive e-mail communications from Focal Point Ministries, and I agree to allow my personal data to be processed according to their Internet Privacy Policy. Share This Message:

Jude 1:24-25 Little Letters for Big FaithSupport The Journey

Living to serve God means we must submit to the governing authorities. We are always to put God first in our lives, but we are also to be “Model Citizens”, modeling our Lord Jesus Christ who dwells within us. (“Let your light so shine before men, that they may see your good works and glorify […]

A mother's love for her children is distinctive and irreplaceable. To watch a child suffer is crushing and almost intolerable for any mom. In this touching scene revealed in three verses, we not only see Mary, the mother of Jesus, at the foot of her Son's cross, we also learn how Jesus cared for His mother. Even from His place of extreme suffering, Jesus was thinking of others and His love for Mary is noteworthy for us.

1 Timothy 6:20-21 1 Timothy SeriesSupport The Journey

Today on the podcast, we chat with Justine Holloway who is the Regional Nurse Manager for Donate Life Victoria. Justine is passionate about leadership and our chat encompasses this, management of a team nurses and being very aware of caring for her team in an area of nursing where burnout and emotional fatigue can occur. Justine’s passion around strong leadership in nursing is injected in to every aspect of our conversation and I absolutely loved her passion for nursing and nursing leadership. I hope you enjoy this conversation as much as I did! If you would like to become an organ donor, or want to check your status, please head to the following link: Australian Organ Donor Register - Services Australia This episode has been sponsored by our friends at Nutricia, and for that I am truly grateful. This episode was created independently by the speakers and the views expressed herein are those of the speakers, not of Nutricia. This content is intended for healthcare professionals. Medical professionals should rely on their own skill and assessment of individual patients. Early Life Nutrition & Medical Advice | Nutricia AustraliaSupport the show: https://www.patreon.com/tendernessnursesSee omnystudio.com/listener for privacy information.

Are your choices placing others at risk? Pastor Skip examines how your disobedience can impact everyone in your orbit.

  Episode title: SLO to San Diego by Train, GF Diets, and a Confidence Challenge Hi there. I'm Dr. Mary Travelbest, a world traveler who has traveled solo for over 50 years. I'm coming to you after a recent trip to Asia. I visited Taiwan and South Korea for 10 days. I'm here to share my best travel ideas and work on solo travel. I'm about to launch on a 90-day trip around the world solo again. The aim is world peace through cultural exchange. I'm about to travel the world for 90 days.   Listener Story Spotlight I want to tell you about a listener who recently retired as a dental hygienist. Her name is Cathy A. She's been a big supporter of this podcast. She is traveling to Wisconsin to see her family and attend reunions. She's enjoying her retirement by playing Marjan and. She recently sold her house and moved back into a condo she had bought decades before marriage. Her contractor husband fixed it up to her specs before they moved in, and she's so happy. She'll be traveling a lot more soon.    Quick fire FAQ: The FAQ for today is: How can I find the right foods when I travel? I am gluten-free, and I have a hard time finding the right foods.   First, you can use trusten gluten-free apps, but don't trust them completely. Find me gluten-free options. The GF scanner, Yuka, and Happy Cow are three to check out. Find Me Gluten Free is a restaurant review site for gluten-free diners, primarily focused on the US, but with some unreliable data. The second is a scanner for reading labels with gluten information. The third is mostly for vegans and vegetarians, but it also filters for gluten-free.   Here are some more tips for GF travel. Learn Local Phrases, For example, Celiac Travel. Bring Printed translation cards Book accommodations with kitchens or fridges. Shop local Be wary of street food, buffets, and Gluten-friendly menus. These are not medically safe. Bring a stash of protein bars, GF crackers, or instant oats. Use Facebook or Reddit Gluten-Free Travel Groups. Check Airline and airport dining in advance. Red Flag countries' Awareness or Labeling Laws. 60-second confidence challenge   3 things: neighborhood selection, daylight itineraries, scam avoidance Select walkable neighborhoods with public transportation nearby if you don't drive. Read reviews on the AirBNB website before you select. When booking a flight or train, be sure it arrives during daylight hours, which can vary in winter months. If it comes after dark, it will be more challenging.  To avoid scams, be cautious when choosing passwords, logging out of websites, and making online purchases. These are very typical scams. If you are suspicious, you may be right to avoid that vendor and choose another. Don't look like a target, either. If you like today's Confidence Challenge, Chapter 2 of my book dives deeper— https://www.5stepstosolotravel.com     See Book A on Amazon or my website for information on all of these items.   Destination Deep‑Dive Today's destination is:  “Amtrak Coastal Sampler: San Luis Obispo to San Diego”   Do you love train travel? Have you considered Amtrak? I took one of the very best train trips on July 4. I started in San Luis Obispo, known as SLO to the locals. I was the only passenger in first class who picked me up at 5 pm. The porter greeted me happily and brought me snacks and drinks. The entire night was like a dream. I could see fireworks in hundreds of cities along the path to San Diego. I did transfer trains in Los Angeles, but even then, I could see a lot of fireworks. This was a treat. I was the only one in the car until we got close to San Diego, about a 5-hour trip.    What is there to do in SLO? The beauty of the area will take your breath away. Your taste buds will be treated to incredible tastes from many choices. Your thirst will be quenched with fresh wine and beers from the local wineries and breweries.  The weather is almost always great here, too.    Slip-ups and smart moves   One thing I messed up was not downloading the e-ticket before I reached the poor Wi-Fi zones on the train. But the fix is easy. Just download and take a screenshot of the ticket when you're preparing for the trip and have a good Wi-Fi connection.   Practice: Test out your local commuter train and take a ride this weekend.    60-second confidence challenge   Have you been on a train lately?   Practice: Test your local commuter train and ride this weekend.  Buy the ticket on your phone, then validate it before boarding the train. If your train requires a ticket screenshot, take that before you board.    Resources Roundup:   If you're looking for more female solo resources, you can find several tips and ways to navigate the pitfalls. Check out the 5 Steps to Solo Travel, Part A, the audiobook, or Part B. They are available in eBook and paperback formats on Amazon. The ebook is also available on my website.   Take away mantra.   You can travel solo and never be alone. Dr. Travelbest.   Thanks for listening! Please send me your travel stories or questions. Listen for the next episode next week and the 320 plus episodes waiting for you to get going.  

Jun 6,2025 Friday : Morning : Sandhya Satsang - Morning Maya Se Mukti Part B

Jude 1:22-23 Little Letters for Big FaithSupport The Journey

The markers of a true Christian are outlined here. Above all we are to love one another and care for those in need, not repaying back evil for evil but showing the love of Christ that is in us.  

From an unthinkable double century in Bangladesh to coaching Pakistan — Jason Gillespie’s story is one of cricket’s most fascinating journeys. Dizzy takes us inside his journey as a player a coach, and a lover of the sport at the highest level. He discusses the the missed potential in Pakistan, and his hopes for their cricketing future. Plus, the ridiculous reality of being a bowler with a Test double ton and everything involved in that incredible milestone including the moment Gilly handed over the team song, and shares the surreal aftermath of one of cricket’s sickest on-field collisions. It’s classic Dizwa, So, strap in for a yarn with one of the most humble legends to wear the baggy green. Check out his work at Gillespie Sports here or get a hold of his apparel here *** Follow the Howie Games on Instagram: https://www.instagram.com/thehowiegamespod/ Follow the Howie Games on TikTok: https://www.tiktok.com/@thehowiegamesSee omnystudio.com/listener for privacy information.

  Wondering what the difference between Medicare and Medicaid is? Learn all about it in this episode!   Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.   Resources: 4 Effective Techniques for Closing Insurance Sales: https://lnk.to/asg655 2025 Maximum Broker Commissions for Medicare Advantage & Medicare Part D: https://ritterim.com/blog/2025-maximum-broker-commissions-for-medicare-advantage-and-medicare-part-d/ FREE DOWNLOAD – The Guide to Earning a Living Selling Health Insurance: https://ritterim.com/earning-a-living-selling-insurance/ How Much Can Agents Make Selling Under-65 Insurance? https://lnk.to/TlGBGH Leveling Up: From Chill Mode to Growth Mode ft. Christian Brindle: https://lnk.to/brindle2025 Ritter Insurance Marketing: https://ritterim.com/    References: Alice Burns, Elizabeth Hinton. “10 Things to Know about Medicaid.” KFF, 10 Apr. 2025, https://www.kff.org/medicaid/issue-brief/10-things-to-know-about-medicaid/. Nall, Rachel. “Am I Eligible for Medicare Part D?” Medicalnewstoday.com, Medical News Today, 21 Apr. 2020, https://www.medicalnewstoday.com/articles/am-i-eligible-for-medicare-part-d. “Compare Original Medicare & Medicare Advantage.” Medicare.Gov, https://www.medicare.gov/basics/get-started-with-medicare/get-more-coverage/your-coverage-options/compare-original-medicare-medicare-advantage. Accessed 15 May 2025. (DCD), Digital Communications Division. “What's the Difference between Medicare and Medicaid?” HHS.Gov, U.S. Department of Health and Human Services, 7 Dec. 2022, https://www.hhs.gov/answers/medicare-and-medicaid/what-is-the-difference-between-medicare-medicaid/index.html. “Does Medicaid Cover Dental Care?” HHS.Gov, U.S. Department of Health and Human Services, 8 Dec. 2022, https://www.hhs.gov/answers/medicare-and-medicaid/does-medicaid-cover-dental-care/index.html. “Medicare Adult Dental Benefits Coverage by State.” Chcs.org, Center for Health Care Strategies, Inc., Sept. 2019, https://www.chcs.org/media/Medicaid-Adult-Dental-Benefits-Overview-Appendix_091519.pdf “What's the Difference between Medicare Part a and Part B?” Healthline, 25 Feb. 2020, https://www.healthline.com/health/medicare/medicare-part-a-vs-b. ‌”Understanding Medicare Advantage Plans.” Medicare.gov, Feb. 2025, https://www.medicare.gov/publications/12026-understanding-medicare-advantage-plans.pdf   Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance     Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/   Not affiliated with or endorsed by Medicare or any government agency.

When was the last time you truly prayed from a place of desperation? Discover why sometimes God allows adversity to remind us how much we depend on Him.

Your conscience serves as your internal moral compass—but can it be trusted completely? Pastor Mike Fabarez examines the delicate balance between honoring your conscience and recognizing its imperfections. You'll gain fresh insights on how God's word calibrates your moral intuition while steering you toward authentic holiness.

Today’s Broadcast June 3, 2025The Path of Sanctification-Part BActs 23:1-5 Listen Download Today's Message Purchase Message Download Worksheet From Series: How God Works in You Purchase Entire Series Broadcast Archive Message Description God is at work on us, using a variety of means to bring us into increasing holiness in the Christian life. Series Description In Acts 22 and 23 the Apostle Paul makes two speeches, one before the Jewish crowds after being detained by the Roman authorities, and the other before the Sanhedrin, Israel's highest ruling body. In both addresses and their associated happenings, we learn much about God's work in Paul's transformed life. Join us for this in-depth look at God's ongoing work as he continues to draw people to himself and make them new from the inside out. Subscribe to PodcastApple PodcastsSpotifyAndroidYoutube MusicThis Month’s ResourceReceive Monthly Insight from Pastor MikeSign up to receive Pastor Mike Fabarez’s Monthly Ministry Update in your inbox. Contact Permission By clicking the “Subscribe” button above, I am requesting to receive e-mail communications from Focal Point Ministries, and I agree to allow my personal data to be processed according to their Internet Privacy Policy. Share This Message:

In this installment of Market Talk, Co-Founder and CXO Natalie Picha talks to Brian Hickey, Vice President of Medicare Back Office, a team of dedicated, licensed insurance agents providing nationwide Medicare advice. Their discussion includes: • The differences between Part A and Part B, and how to decide if you need a Medicare Supplement plan• What is Medicare Advantage, and what does the county I live in have to do with anything? • The importance of annual reviews of your Medicare benefits• When you should start exploring your optionsExperience the difference of working with a firm that empowers your life—a firm that focuses on what matters most—you. Whether you are beginning your financial journey now or have already taken steps toward your ultimate life goals, we are here to guide you. https://podcasts.apple.com/us/podcast/rhp-market-talk/id1538051530

Jude 1:20-21 Little Letters for Big FaithSupport The Journey

Serving God with the gifts that He has given us is a wonderful thing; but we must not get “Puffed Up”. To each He gives both gifts and grace. While the grace is the same for all, the gifts are different for each believer. We must use our gifts as He directs and to His […]

David's Army

Jude 1:17-19 Little Letters for Big FaithSupport The Journey

Pastor Skip explores why trusting God with all of your life is the most exciting way to live.

President Lincoln famously said, "All that I am or hope to be, I owe to my angel mother." A beautiful reminder that as parents, our decisions and example don't just affect our kids in the moment, but for a lifetime. Pastor Mike Fabarez discusses the profound spiritual impact parents have on their children.

Jude 1:14-16 Little Letters for Big FaithSupport The Journey

For those who claim the name of Christ, we should be living sacrifices to God, forsaking “Worldly Wisdom” and the deception and lies that come against us. We are transformed by the truth of the Word.  

Pastor Skip shares an insightful message about conflict, forgiveness, and moving on.

Most successful people share some commonalities like having self-discipline and a knack for making wise decisions in difficult situations. But those practices didn't come out of nowhere! Pastor Mike outlines a biblical guide for shaping your kid's character by administering effective discipline.

Jude 1:8-13 Little Letters for Big FaithSupport The Journey

Did you know that the cross of Christ was always God's plan from the very beginning? It wasn't a reaction to mankind's rejection of His Son, nor was it an accommodation to a Roman and Jewish miscarriage of justice. It was according to "the determined purpose and foreknowledge of God" (Acts 2:23). Today we will take a journey back and connect the dots of God's unfolding plan of the cross throughout the ages.

1 Timothy 4:11-12 1 Timothy SeriesSupport The Journey

Pastor Skip shares an encouraging teaching all about God's unmerited blessings and where they come from.

Today’s Broadcast May 22, 2025The Unpleasant Task of Correction-Part BHebrews 12:5-11 Listen Download Today's Message Purchase Message Download Worksheet From Series: Passing the Baton Purchase Entire Series Broadcast Archive Message Description God promises to provide the righteous results which come from biblical correction if parents employ the biblical methods with biblical motives when disciplining their kids. Series Description In a day when everyone has an opinion on how to raise kids, in this five-part study Pastor Mike explores God's timeless direction for raising up the next generation. Rediscover God's wisdom for shaping and preparing young lives to seek first God's kingdom and his righteousness. Whether you are currently in the throes and busyness of raising young children, are about to, or are able to help others do so, this is a series you need. Subscribe to PodcastApple PodcastsSpotifyAndroidYoutube MusicThis Month’s ResourceReceive Monthly Insight from Pastor MikeSign up to receive Pastor Mike Fabarez’s Monthly Ministry Update in your inbox. Contact Permission By clicking the “Subscribe” button above, I am requesting to receive e-mail communications from Focal Point Ministries, and I agree to allow my personal data to be processed according to their Internet Privacy Policy. Share This Message:

He had a dream. And is living it. Matt Hill is the voice behind some of the best moments in Australian sport. He is already a broadcasting icon. But, he is an even better bloke. And he explains the dream he is living, brilliantly. From calling races around the hallways as a kid, to voicing the Melbourne Cup, Olympics and footy and plenty more sports (wait until you hear the list!). Matt Hill is the dream chaser who never gave up — even when he was on the dole or facing a life-threatening health scare at the Beijing Games. This is a powerful story of grit, passion, and pure love for sport. A master of the mic… who’s still just a fan at heart. Thanks Matty! See you Thursday Night on Fox Footy! *** Follow the Howie Games on Instagram: https://www.instagram.com/thehowiegamespod/ Follow the Howie Games on TikTok: https://www.tiktok.com/@thehowiegamesSee omnystudio.com/listener for privacy information.

Thinking about collecting Social Security while you're still working? It's a tempting option, but there are several crucial mistakes you'll want to avoid. Using real-life stories, I'm laying out the four big pitfalls, like earning over the social security limit, jeopardizing your health savings account, mishandling Medicare enrollment, and forgetting about tax withholding. These missteps can lead to unnecessary penalties, and so I want to give some actionable strategies to help you make the most of your benefits without unpleasant surprises.  You will want to hear this episode if you are interested in... [00:00] Four key factors to consider before collecting Social Security while you're still working. [06:04] Collecting benefits while working can affect HSA contributions. [07:40] Stop HSA contributions six months before enrolling in Medicare Part A to avoid penalties. [13:32] Enrolling in Medicare Part B while having employer insurance is unnecessary, as employer coverage remains primary. [14:33] Medigap timing and social security taxes. [15:21] Social Security is taxable income for most people, which means that you will owe income tax on that money. Choosing when and how to collect Social Security is complex, especially if you intend to keep working beyond age 62. While the prospect of “double-dipping” might seem appealing, several critical factors can impact your overall benefit, tax situation, and healthcare coverage. Here are the four big mistakes I often see: 1. Exceeding the Social Security Earnings Limit One of the biggest mistakes is not understanding the earnings limit set by Social Security for those who collect benefits before reaching their full retirement age (FRA). If you start taking benefits before your FRA, which currently ranges from 66 to 67 depending on your birth year, your benefits may be reduced if your annual earnings exceed a certain threshold. Before FRA: For every $2 you earn over this limit, Social Security will deduct $1 from your benefits. The year you reach FRA: The limit jumps to $62,160, but the calculation changes to $1 withheld for every $3 over the limit, and only the months before your birthday month are counted. After FRA, there is no longer an earnings cap; you can earn as much as you want without reducing your benefits. Failing to plan for these restrictions can lead to a surprise clawback, so calculate your annual income carefully if you plan to collect early. 2. Losing Eligibility to Contribute to an HSA If you're enrolled in a high-deductible health plan and are contributing to a Health Savings Account (HSA), be wary: Once you enroll for Social Security after age 65, you're automatically enrolled in Medicare Part A. By law, you cannot contribute to an HSA while on Medicare. To make matters more complex, Medicare Part A enrollment is retroactive up to six months, and any contributions made to your HSA during that period will be considered excess contributions, exposed to a 6% IRS penalty unless withdrawn in time. Before you trigger Social Security benefits, stop your HSA contributions (and your employer's) at least six months in advance to avoid penalties and the loss of valuable tax deductions. 3. Accidental Enrollment in Medicare Part B Some assume that enrolling in Medicare Part B is required or beneficial while they keep their employer coverage, but that's not always the case. If your employer has 20 or more employees and you're covered under their group health insurance, your employer's plan remains primary, and Medicare Part B is unnecessary and costly, with premiums starting at $185/month and higher for high earners. Enrolling in Part B during this period can limit your future ability to buy a Medigap policy with automatic acceptance (no health questions or exclusions for pre-existing conditions). Unless you're losing employer coverage, it's usually best to delay enrolling in Part B and carefully respond to any enrollment communications from Social Security. 4. Not Withholding Enough Taxes on Social Security Payments Social Security benefits are taxable for most retirees, especially if you're still working. You need to anticipate the added income and withhold sufficient federal (and potentially state) taxes to avoid underpayment penalties. You can file IRS Form W-4V to have Social Security withhold federal tax from each payment, choosing between 7%, 10%, 12%, and 22%. Alternatively, increase withholding at work or make estimated tax payments. Planning ahead ensures you won't face a large bill come tax time. Resources Mentioned Retirement Readiness Review Subscribe to the Retire with Ryan YouTube Channel Download my entire book for FREE  Connect With Morrissey Wealth Management  www.MorrisseyWealthManagement.com/contact   Subscribe to Retire With Ryan

Pastor Skip shares a teaching from Genesis and examines the important difference between your reputation and your character.