Podcasts about part b

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

Jude 1:4-5 Little Letters for Big FaithSupport The Journey

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

Today’s Broadcast May 19, 2025Preparing Your Kids for Repentance and Faith-Part BVarious Scripture Listen Download Today's Message Purchase Message Download Worksheet From Series: Passing the Baton Purchase Entire Series Broadcast Archive Message Description We must understand regeneration is a work of God, not something parents force or manipulate their kids into; instead parents must lay a biblical foundation and pray! 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:

1 Timothy 3:14-16 1 Timothy SeriesSupport The Journey

Jude 1:3-4 Little Letters for Big FaithSupport The Journey

God has NOT rejected His people, the nation of Israel. Some of them have blinded themselves for now, not wanting to accept what the scriptures have foretold, but God is NEVER going to give up on them.      

Pastor Skip examines how the darkest valleys can lead to God's greatest blessings for you.

Jude 1:2 Little Letters for Big FaithSupport The Journey

God would have ALL to be saved. Paul points out to the Jews that their own scripture thru Isaiah tells them that most of them would reject the Messiah and that the Gentiles would be brought into the fold of God's family.    

Part B of the trial will enroll nine adult patients as well as three pediatric patients.

Jude 1:1-2 Little Letters for Big FaithSupport The Journey

You don't have a “prayer life.” Christ is your life! You've been told to pray more, spend more time with God, and try harder to be “spiritual.” But what if you're already doing it? What if you're already in Him—always? This message will blow up some of the religious jargon you've been taught and expose the pressure-packed mindset behind it. And here's the great news: You're already expressing Christ more than you realize. You're always in the Spirit. And yes, you can shave, shower, and watch Netflix in Jesus' name. (Seriously.) Click to watch the full message and explore how God's grace offers a whole new outlook on daily living. It's time to stop striving and start enjoying the freedom of Christ as your life. Discussion Questions: Which amazing truth from Part A means the most to you? Why? React to this statement: Most of the time, you're expressing Christ. How might the word “always” encourage you in Philippians 1:20 and 2 Corinthians 2:14? Do you really believe you can do ALL in the name of Jesus (shower, shave, watch TV)? React to this statement: You are always spending time with God. What does it mean to you to be one spirit with the Lord and always in the Spirit? React to this statement: I don't have a “prayer life.” Christ is my life! How does God's grace offer us a whole new perspective on prayer?

Regicide is the official word used for the execution of a king. Most countries reserve the stiffest of punishments for subjects or assassins who would kill their royalty. John records the execution of the King of kings on a Roman cross outside the city of Jerusalem. But the rest of Scripture reveals that it was more than an execution; it was sacrifice that brought salvation. The next few weeks, we will consider the cross in depth and what it means for the world and for us.

1 Timothy 2:11-14 1 Timothy SeriesSupport The Journey

Episode 111 – Next Steps for A-Ha Going through state exam questions to help real estate students pass their state exam.  What I've been up to. Private messages about questions.  Memorizing test questions. DO NOT CHEAT!!  List of recent grads: Lydia, Ellena, Debra, Sahzad, Vince, Dana, Donna, Jerry, Danielle, Nautie, Dawn, Kim, BJ, Sasha, Darlene, Alex, Charlie, Rachel, Derrell, Maddox, Charles, Jeff, Gabe, Chanita, Carline, Junalee, Ashely, Briana, Zack, Melanie, Tara, Caitlin, Naomi, Elena, Darren, Emalee, Joshua, Tiffany, Blaire, William, Jodi, Melody, Melissa, Andjie, Andrew, Amanda, Jack, Eileen, Samantha, Brannon, Emily, Elyssa, Ricky, Jennifer, Maurice, Mackenzie, Renee, Bryce, Kelsey, Ahmad, Kari, Shannon, Daniel, Jennifer, Jessica, Mike, Vickie, Chelsea, Kae, Regina, Elisabeth, Her Pao, Carrie Ann, Nicole, Angie, Ellena, LaTrice, Tricia, Channpreet, Benjamin, Kaizer, Mickie, Vince, Jamie, Bryan, Katie, and Taryn..  Listener messages: Lydian (Arizona), Rachel (Indiana), Maddox (Pennsylvania, and Taryn (North Carolina)  Going on hiatus; nothing new to record  Keep sending me your messages  Working on “Part B” of this show; teaching you beyond the exam.  Farewell…for now!  Go to www.ahareep.com and sign up for the program for only $35, use discount code: legend15 to save 15% off.  Go to www.indianarealestateinstitute.com for Indiana real estate classes.  A-Ha LINKS  Email info@ahareep.com Web www.ahareep.com Facebook https://www.facebook.com/AHA.REEP YouTube https://www.youtube.com/channel/UCrxAjI5Li4Ll3Epwcyc0i6A

Pastor Skip challenges you to live each day like Jesus and watch what a difference it makes in your life.

3 John 1:1-15 Little Letters for Big FaithSupport The Journey

Salvation is for everyone. Some want to make the obtaining of salvation difficult, but as these passages state, whoever believes in the Lord Jesus Christ and believes that God raised Him from the dead will be saved.    

Rugby League Immortal, a Queensland legend, and one of the greatest sportspeople Australia has ever produced. In this deeply compelling episode, The King opens up in an unforgettable episode. From the fierce rivalries of State of Origin, to the raw and confronting reality of his recent health struggles, Wally shares his incredible story with honesty, courage, and grace. It's a powerful, emotional, and important conversation on so many fronts that goes beyond Rugby League and into the very heart Australian sport, and all round resilience. This is Wally Lewis — the player, the icon, and the man — in his own words. *** Follow the Howie Games on Instagram: https://www.instagram.com/thehowiegamespod/ Follow the Howie Games on TikTok: https://www.tiktok.com/@thehowiegames And you can follow @WallyLewis_Official on Instagram here.See omnystudio.com/listener for privacy information.

Send Me a Message! In the next chapter of My Therapy Reflections, I share a very significant IFS (Internal Family Systems) breakthrough that has reframed how I view some of my darkest moments. When life feels too loud and too bright (which is most of the time), I tend to mentally retreat, like hiding in a tunnel—a cold, dark place that where I sometimes I can sleep for days. But this session revealed something surprising: my internal parts weren't trying to trap me there like I had thought. They were waiting at the top, encouraging me to come back.Even my inner critic—the voice I've long seen as cruel and as my enemy—was there trying to help. Not to tear me down, but to shield me from a world I'm not built for. This unexpected shift helped me see that every part of me, even the ones I've battled with, have been trying to protect me in their own, unique way.I also uncovered a younger part of myself, frozen at age 15, holding trauma I hadn't accessed in years. That story continues in Part B. But in this episode, it's all about beginning to see your inner system not as broken, but as misunderstood. Maybe, like me, you'll start to feel compassion for the parts of yourself you once feared.Support the showTo support the show, CLICK HEREYou can follow me on Instagram: @elliot.t.waters

Pastor Skip examines the vital role of prayer when searching for a mate.

3 John 1:4 Little Letters for Big FaithSupport The Journey

Relevance For Today Episode 346 Salvation Series Part 6 What To Study In Discipleship Part B In this last episode of this important Salvation Series , I'll wrap up the show with a walk through on key areas every believer should study, from faith and prayer to spiritual warfare and serving others, so you can be equipped, confident, and fruitful in your new life with Christ. I truly hope you feel blessed and encouraged by what I share with you. If you enjoyed the message, please consider sharing, subscribing, and leaving a rating to help us grow. Thank you, and blessings to you all! Facebook: Stephen Lewis Relevance For Today rftministry@gmail.com Instagram: @relevancefortoday TikTok: @stephenlewisrft YouTube Channel Relevance For Today Stephen Lewis

Paul's great desire is that “All Israel will be saved” but as the scriptures state they are a stubborn and stiff necked people. Regardless Christ's salvation is available to ALL who believe in Him.  

1 Timothy 2:11-14 1 Timothy SeriesSupport The Journey

3 John 1:1-4 Little Letters for Big FaithSupport The Journey

Pastor Skip explores how grief can be a good thing, if it doesn't last too long.

Today’s Broadcast May 1, 2025The Endurance of the Saints-Part BActs 22:22-30 Listen Download Today's Message Purchase Message Download Worksheet From Series: How God Works in You Purchase Entire Series Broadcast Archive Message Description God has planned and is always at work in and for his children to move them across the finish line of the Christian life and into the promised kingdom. 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:

2 John 1:7-11 Little Letters for Big FaithSupport The Journey

We are not saved by who our parents are or were. We are not pre-selected by God because of our nationality or race. Yahweh saves who He chooses to save. By faith we have been made acceptable in God's sight, for the Lord said… “All that the Father gives Me will come to Me, and […]

NIIIIGHT DRRRRRRAAAFFFT!!!!

Pastor Skip explores the purpose of the trials and tests God allows to come into our lives.

Today’s Broadcast April 28, 2025The Sovereignty of God-Part BActs 22:17-21 Listen Download Today's Message Purchase Message Download Worksheet From Series: How God Works in You Purchase Entire Series Broadcast Archive Message Description We must consider how God has been at work from long before we can imagine, leading us into the path he would have us obediently walk. 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:

2 John 1:7-11 Little Letters for Big FaithSupport The Journey

Our election and inheritance is not by birth right. We cannot be counted as “Saved” by our parent's faith; we must all enter into our relationship with the Lord by our own volition. Grace and salvation are gifts that we ALL must accept personally.  

Pontius Pilate was like every other person who has ever lived. The fundamental question of his life was, "What then shall I do with Jesus who is called Christ?" (Matthew 27:22). Everyone has to deal with Jesus, to decide about Him and His claims. In one setting, we can see how one man (Pilate) was influenced to deal with Jesus in three different ways. These three ways are how many people today still choose to deal with Jesus Christ.

1 Timothy 2:9-10 1 Timothy SeriesSupport The Journey

Gold is back in the headlines, but should it be in your portfolio? Don and Tom take a fresh (and frequently hilarious) look at the shiny metal that never seems to deliver. From Fort Knox to Costco's gold bar rush, they trace gold's lackluster long-term returns and its overhyped reputation as a hedge. They break down why physical gold fails as an investment, why GLD is better (but still meh), and why long-term investors might already have enough exposure through diversified funds. Plus: a Medicare premium surprise fix, the case of the copper penny, and a brief but loud murder of crows. 0:04 Gilded White House jokes lead into a serious look at gold 1:00 Don and Tom reunite—same page, same side, same skepticism on gold 1:57 Yahoo Finance: gold's biggest quarter since 1986 2:34 Gold's ancient history and the Second Boer War detour 3:48 What's a hedge, really? Gold vs. inflation 4:21 15-year performance: gold vs. S&P 500 5:40 1980 to 2024: gold's long climb back to break even 7:10 110 years of gold prices—brief spikes, long plateaus 8:54 The emotional allure of physical gold (and why it's irrational) 9:44 Physical gold: storage, insurance, and Armageddon prep 11:10 GLD: a better, but still limited, gold investment 12:49 Gold's chart pattern: flat, spike, crash, repeat 13:26 Why gold isn't a real investment—it doesn't grow 14:16 Gold mining stocks as an indirect investment 15:02 Surprise! Taiwan Semi uses gold in chip production 15:34 Crypto vs. gold: at least gold is pretty 16:07 Atomic number nerdiness and family science failures 16:39 Q&A: Will one-year income spike raise Part B premiums? 18:06 IRMAA form and exceptions for life-changing events 20:02 Medicare Part B premium ranges and adjustments 21:10 Listener Perry wonders: if pennies go away, can we melt them? 22:34 Today's pennies: mostly zinc, not a copper mine in your jar 23:56 Will the penny ever die? Bureaucratic inertia says no 24:14 DIY penny production? Just don't. 25:16 Podcast etymology: Apple vs. The Guardian debate 26:51 Outro chaos: crows, jokes, and how to ask your questions Learn more about your ad choices. Visit megaphone.fm/adchoices

2 John 1:1-13 Little Letters for Big FaithSupport The Journey

Pastor Skip shares an encouraging message about how God can still use you for His purposes no matter how big you fail.

It's here, the end of the 2017 Battle of Los Angeles! In what's been easily one of the best tournaments we've covered since 2013, Bauer and Eric recap Night 3 Part B and find out who became the BOLA Champion! Join us on Visionaries Global Media every Wednesday for your Nattering Needs!

Knocked down time after time—and still, he got back up. And guess what? He went on to represent his country at the highest level, performing to the highest possible standard. Alex Carey is living proof that you are not defined by your setbacks, but by how you respond to them. When his AFL dreams were cut short, his state cricket contract torn up, and he found himself playing for just a dollar a run—he kept going. He pushed through it all and earned the ultimate reward: the baggy green. Ashes wins. A World Cup. The Border-Gavaskar Trophy. A World Test Championship. BBL Titles and Sheffield Shieds. Alex Carey achieved more than most dream of—well beyond his original goal of playing AFL. Even better? He's a true gentleman in every sense of the word. Alex Tyson Carey—this story couldn't come from a better bloke. *** 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.

Today’s Broadcast April 22, 2025The Role of Water Baptism-Part BActs 22:12-16 Listen Download Today's Message Purchase Message Download Worksheet From Series: How God Works in You Purchase Entire Series Broadcast Archive Message Description Given the various and conflicting views of water baptism, we must seek to digest and rightly understand all the related biblical data on this important ordinance. 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 PodcastsAndroidby EmailRSSThis 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:

1 John 1:1 Little Letters for Big FaithSupport The Journey

1 Timothy 2:5-7 1 Timothy SeriesSupport The Journey

Pastor Skip examines the world-changing power of two small words… But God.

Pastor Skip shares a message of caution against letting the sin around you infect your own values.

What kind of a King is Jesus, and what is the nature of His Kingdom? And what does it mean to pray, "Thy Kingdom come, Thy will be done"? These are the questions faced in the text before us. As Jesus nears the cross, a nation denies His reign over them, while a Roman ruler questions Him and then cynically admits his own confusion and despair.

Pastor Skip encourages you to make God the Lord of every aspect of your life.