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Dennis & Benedicta continue a discussion of the life of Josiah, a young king of Israel in this second part of a two part study from II Chron. 34.Send us Fan MailTo find out more about Dennis & Benedicta Pollock please visit the Spirit of Grace website, where you can find other wonderful resources such as videos and articles. You will also find out how you can support the work of Spirit of Grace by becoming a Friend of Grace .Please send questions, comments, and feedback with us at grace@spiritofgrace.org.
The old saying "You catch more flies with honey than you do with vinegar" fits perfectly with Peter's letter. He's been telling Christians how to live in plain view of the unbelieving world. Now he goes into the church and tells us how to treat each other. It's his hope that an exhibition of real, Christian love will provide a base of satisfying fellowship for us and attract unbelievers. But how?
Pastor Skip explains how trusting and worshiping God brings strength, joy, and even healing into your life.
Steve DeWitt The 10 Commandments of James - Part B James 4:7-10 James - Walk & Talk Donate to Support The Journey
Jesus The Source Of All Wisdom -Part B ( Series).This is not just a podcast - it's a move of God.Shan Kikon, from Nagaland, India, is the Lead Pastor of Faith Harvest Church, carrying a heart to ignite revival across the nations. Once he had a desire for a corporate future, but everything changed after a supernatural encounter with Jesus Christ in Singapore in 1996. In that moment, he laid down his desires to become a bold voice for the Gospel.Marked by the anointing and grounded in truth, Shan Kikon delivers revelation that cuts deep, awakens the spirit, and transforms lives. This is not just teaching; this is an encounter.For inquiries, prayer requests, or more information, feel free to reach out to us at : faithharvestnagaland@gmail.com
Pastor Skip explains how worship music reinforces biblical truth and helps carry God's Word into your everyday life.
Have you ever been tempted to cut corners to get ahead? Pastor Mike Fabarez reminds us that “God can do more with your obedience than you can do with your compromise.” Discover new Courage to do the Right Thing.
From cult NRL winger to one of Australia's biggest media personalities, Beau Ryan's career has been anything but ordinary. Beau takes us behind the curtain of breakfast radio - he is dominating on Triple M! - revealing the ruthless early-morning routine that gets him ready to entertain Sydney every day. He also reflects on the humble beginnings, guest appearances on The Footy Show that quickly became an obsession, and the balancing act of building a media career while still playing NRL—under one very clear instruction from his coach. And then there is a tale from Beau's Footy Show days that somehow gets more unbelievable with every minute. One of the best stories in ten years of the podcast. Funny, honest and full of behind-the-scenes moments from rugby league and television, this is Beau Ryan at his entertaining best. Beau co-hosts the Triple M Breakfast show on 104.9 Triple M Sydney alongside Aaron "Woodsy" Woods and Cat Lynch. You can catch the show live every weekday morning from 6:00 AM to 9:00 AM, or listen to the podcast on the LiSTNR App. See omnystudio.com/listener for privacy information.
Steve DeWitt He Gives More Grace - Part B James 4:5-6 James - Walk & Talk Donate to Support The Journey
Study of 1st Samuel
Pastor Skip highlights the importance of serving others and why ministry has always been about people serving people.
Steve DeWitt Spiritual Adultery - Part B James 4:4-5 James - Walk & Talk Donate to Support The Journey
The Mystery of The Mercy- Part B
Be A Doer Of The Word- Part B.This is not just a podcast - it's a move of God.Shan Kikon, from Nagaland, India, is the Lead Pastor of Faith Harvest Church, carrying a heart to ignite revival across the nations. Once he had a desire for a corporate future, but everything changed after a supernatural encounter with Jesus Christ in Singapore in 1996. In that moment, he laid down his desires to become a bold voice for the Gospel.Marked by the anointing and grounded in truth, Shan Kikon delivers revelation that cuts deep, awakens the spirit, and transforms lives. This is not just teaching; this is an encounter.For inquiries, prayer requests, or more information, feel free to reach out to us at : faithharvestnagaland@gmail.com
Pastor Skip explains why church still matters—and why believers were never meant to follow Jesus alone.
In a family business, it’s important to prepare the younger generations to be equipped and confident to take over the company one day. Every parent wants his or her children and grandchildren to succeed! Pastor Mike Fabarez talks about leaving a legacy through future generations.
Steve DeWitt True Wisdom - Part B James 3:17-4:3 James - Walk & Talk Donate to Support The Journey
Dennis & Benedicta continue this two part discussion of the benefits of receiving salvation through Jesus Christ.Send us Fan MailTo find out more about Dennis & Benedicta Pollock please visit the Spirit of Grace website, where you can find other wonderful resources such as videos and articles. You will also find out how you can support the work of Spirit of Grace by becoming a Friend of Grace .Please send questions, comments, and feedback with us at grace@spiritofgrace.org.
The Winning Spirit- Part B
Pastor Skip explains why confession is one of the most important parts of a healthy relationship with God.
Medicare brings peace of mind to millions of retirees, but for those with higher incomes, there's an added layer of complexity called IRMAA—the Income Related Monthly Adjustment Amount. If your modified adjusted gross income (MAGI) crosses certain thresholds, you may end up paying substantially more for your Medicare Part B and Part D coverage. In this article, we break down how IRMAA works, outline common scenarios that may unexpectedly raise your premiums, and offer actionable strategies to help you avoid unnecessary costs during your retirement years. You will want to hear this episode if you are interested in... [02:14] How IRMAA works [04:09] IRMAA income brackets and premium increases [05:43] General strategies and limitations for avoiding IRMAA [09:49] Managing Capital Gains and Medicare costs [10:41] Understanding the possibility of unexpected large gains pushing income higher [12:37] Impact of spouse passing on taxes [14:54] Avoiding IRMAA surcharge What Is IRMAA, and How Does It Work? IRMAA adds a surcharge to your standard Medicare Part B and Part D premiums if your income exceeds specific limits. The calculation uses your Modified Adjusted Gross Income (MAGI) from your federal tax return for the prior two years. For example, your 2026 Medicare premium is determined by your 2024 tax return figures. This "two-year lag" means financial decisions made today could impact your healthcare costs down the line. In 2024, the standard Part B premium is $202.90 per month. However, single filers reporting over $109,000 or married couples filing jointly above $218,000 pay $284 each per month, per person. Surpassing $137,000 (single) or $274,000 (joint) pushes your premium to $405.90—more than double the baseline. Part D premiums are also subject to surcharges, ranging from $14.50 to $91 per month at the highest income levels. Seven Scenarios That Can Trigger IRMAA—and How to Prepare While some situations are unpreventable, being aware of these common scenarios can help you make informed choices and potentially minimize your IRMAA exposure. 1. Municipal Bond Income: Not as Tax-Free as You Think Many investors favor municipal bonds for their federal tax-exempt status. Unfortunately, while this income is absent from your regular AGI, it is added back into your MAGI when calculating IRMAA. If you're relying heavily on munis in retirement, this could unexpectedly inflate your Medicare premiums. Consider alternative investments or relocating those assets into accounts or vehicles where this income is shielded, like certain annuities, after consulting with a qualified financial advisor. 2. Capital Gains on Your Home Sale When selling your primary residence, you can exclude up to $250,000 of gain if single or $500,000 if married, provided you meet the two-out-of-five-years residency rule. Gains above these thresholds are taxable and count toward your MAGI. Good record-keeping for home improvements can help increase your cost basis and reduce the taxable gain, but there aren't many strategies to avoid this spike if a large gain is unavoidable. 3. Profits from Investment Property Sales Selling an investment property can generate significant capital gains. But unique to investment real estate, the IRS allows you to defer these gains through a 1031 exchange—selling one investment property and reinvesting the proceeds into another. This move postpones the tax hit and the associated IRMAA impact, possibly indefinitely if you use the stepped-up basis at death. 4. Surprise Mutual Fund Capital Gains If you own mutual funds outside retirement accounts, unexpected capital gains distributions from within the fund (for example, after large stock sales like Apple) could spike your MAGI. To mitigate this, consider shifting from mutual funds to individual stocks, bonds, or exchange-traded funds (ETFs), which typically generate fewer surprise capital gains. 5. Roth Conversions are Great for Taxes, But Be Careful While Roth conversions can be powerful tax strategies, converting a sizable sum from a pretax IRA to a Roth IRA counts as income for IRMAA purposes. Carefully plan the size and timing of conversions to avoid pushing yourself into a higher premium bracket without realizing it. 6. The Financial Impact of Losing a Spouse Widowhood or widowerhood can be doubly difficult; not only do you suffer personal loss, but your filing status shifts to single, drastically lowering the income thresholds for IRMAA. If you expect changes in income or status, make proactive plans with your advisor to help smooth your MAGI. 7. Large, One-Time Retirement Account Withdrawals Big withdrawals from IRAs or 401(k)s—perhaps to buy a car or fund a vacation home—could catapult your income into a higher IRMAA tier. Consider spreading large purchases over several years or evaluating alternative financing options to keep retirement account withdrawals more manageable. Small Decisions Add Up While IRMAA might not be avoidable for everyone, being strategic about income sources, withdrawals, and investment choices can reduce surprises and keep more of your retirement income where it belongs—with you. Always consult with a financial advisor familiar with your unique situation before making significant financial moves. Keep your knowledge current and your planning proactive to support a more cost-effective retirement. Resources Mentioned Retirement Readiness Review Subscribe to the Retire with Ryan YouTube Channel Download my entire book for FREE 2026 Medicare Part B Premium Surprises, #282 7 Ways to Lower Your Income and Avoid the IRMAA Medicare Surcharge, #142 Mistakes To Avoid During Medicare Open Enrollment with Danielle Roberts, #229 Connect With Morrissey Wealth Management www.MorrisseyWealthManagement.com/contact Subscribe to Retire With Ryan
Steve DeWitt Who's the Wise Guy? - Part B James 3:13-16 James - Walk & Talk Donate to Support The Journey
It’s been said that patience is a virtue. But whether it’s a matter of years or minutes, learning to wait can test our faith! Pastor Mike Fabarez shares practical tips for enduring with patience. Are you experiencing delays and wondering if God’s promises are for you?
If life is to be rock solid, then family relationships—especially marriage—must be rock solid. No wonder Peter speaks to husbands after addressing wives. In his directive toward submission, he addresses citizens (and not government officials); he addresses servants (and not their masters). But when it comes to the home, he addresses both wives and husbands. Let's consider how a husband's love can make a woman feel firmly secure.
Pastor Skip shares why reading through the whole Bible brings spiritual balance and health to your life.
Steve DeWitt The Tongue: Weapon of Mass Destruction - Part B James 3:1-12 James - Walk & Talk Donate to Support The Journey
Pastor Skip shares why you can trust God's promises even when life feels uncertain—and how faith grows when you remember that God always keeps His word.
Steve DeWitt What the Kind of Faith That Saves Looks Like - Part B James 2:20-26 James - Walk & Talk Donate to Support The Journey
Following Jesus is the greatest adventure. But it’s not always easy. That’s why we all need models who can inspire us to keep going. Pastor Mike Fabarez explains what Abraham can teach us about Boldly Following God’s Path for My Life.
Pastor Skip explains the difference between simply stopping and truly finishing—and how God completes His work with purpose in your life.
Steve DeWitt The Kind of Faith That Doesn't Save - Part B James 2:14-19 James - Walk & Talk Donate to Support The Journey
Pastor Skip challenges you to stand firm in your calling—and not give in to fear, pressure, or compromise.
Steve DeWitt Mercy Wins! - Part B James 2:10-13 James - Walk & Talk Donate to Support The Journey
There are warning labels on nearly everything these days. Most of the time, we ignore them, or don’t believe the dangers are real. But Pastor Mike Fabarez explains why we cannot treat God’s warnings the same way. When God says “watch out!” we need to listen!
This is one of the most extraordinary comeback stories ever told on The Howie Games. Olympic silver medallist Scott Miller opens up like never before, taking us from the heights of standing on the podium for Australia in Atlanta to the depths of addiction, prison and a life he says was spiralling towards death. In a confronting and deeply honest conversation, Scott reveals the surreal moment armed police arrested him with a gun pointed at his head, and why, despite everything, his overwhelming emotion was relief. He reflects on the silver medal that took 25 years to truly appreciate, the pressure and perfectionism that defined his swimming career, and why he couldn’t even watch the Olympics for decades after retiring. He also shares the unseen challenges of rebuilding after three years in jail. It’s a raw, emotional and ultimately hopeful conversation about redemption, perspective and finding purpose after losing everything. Don’t miss the compelling two-part ABC iview documentary charting Scott’s dramatic rise, devastating fall and ongoing fight to rebuild his life. Scott is an ambassador for ADA Australia, who are leaders in workplace mental health training and drugs and alcohol awareness training programs. If you or someone you know needs help with alcohol or drug problems, call lifeline on 13 11 14 *** Follow the Howie Games on Instagram: https://www.instagram.com/thehowiegamespod/ Follow the Howie Games on TikTok: https://www.tiktok.com/@thehowiegames See omnystudio.com/listener for privacy information.
Pastor Skip defines what it really means to fear the Lord—and how a healthy reverence for God leads to a deeper relationship with Him.
Steve DeWitt Spiritual Favoritism and Why God Hates It - Part B James 2:1-9 James - Walk & Talk Donate to Support The Journey
The most attractive people in the world are those who display depth of character and pleasant personalities. Solomon insisted that “[outward] beauty is passing” (Proverbs 31:30). As Peter speaks to a common issue in the early church (Christian wives married to unbelieving husbands), he also gives us three marks of a tenderhearted woman: in her actions, attitudes, and admiration.
Pastor Skip shares how serving others with love opens the door to real impact—and helps your city experience God's goodness.
While the world is going from bad to worse, we as Christians may wonder if it’s even possible to live a life of Ambitious Faith. Pastor Mike Fabarez offers some biblical encouragement from the story of Enoch. Hear how he kept pursuing God in a culture not unlike our own.
Pastor Skip shows you the right response to spiritual attack—and why talking to God is far more powerful than focusing on the enemy.
Pastor Skip explains how your everyday work can be an act of worship—and how living with integrity brings glory to God.