Podcasts about qualified

https://cdn.enduringword.com/audio/devotional/Devotional08042026.mp3 The post Qualified to Serve – Acts 6:3 – August 4, 2026 appeared first on Enduring Word.

Read more from VPM News:  Pilot program connects childcare centers with substitute teachers via app  How Charlottesville's trees are faring on the Downtown Mall, 50 years later On the agenda: Albemarle schools investigation, Charlottesville housing grants  WATCH: Happy Primary Day, (most of) Virginia! (TikTok)   Other links:  Virginia senators request special session to act on 'deeply alarming' groundwater report (Virginia Mercury)  Appalachian Power sees ‘explosive' growth from data centers, other big customers (Cardinal News)  Richmond DPU misses deadline to fix billing problems (WTVR)  U.S. Drought Monitor shows Richmond area drought conditions easing (Richmond Times-Dispatch)*  *This outlet uses a paywall. Our award-winning work is made possible with your donations. Visit vpm.org/donate to support local journalism.

Most people treat their HSA like a medical debit card. The ones who retire wealthy treat it like a secret weapon, and the difference could be worth over a million dollars.  In today's conversation, Nic and Randy break down why the HSA is the only truly triple tax-free retirement vehicle in existence, and how to stop leaving that money on the table. ⸻  ⏱️ Episode Timeline & Highlights  [00:19] – Why the HSA is the most misunderstood investment vehicle in retirement planning. [01:18] – Triple tax-free: The one advantage no Roth IRA or 401K can match. [02:22] – 2026 contribution limits: What individuals, families, and those over 55 can contribute. [03:22] – The biggest mistake: Why spending your HSA now could cost you a fortune later. [05:15] – How to invest your HSA funds and maximize long term compounding growth. [09:15] – Qualified expenses beyond doctor visits: Prescriptions, dental, vision, Medicare premiums, and long term care. [13:57] – Withdrawal rules: What happens before and after age 65 for non-medical expenses. [15:22] – HSA and estate planning: How to pass it to your spouse completely tax free. [17:05] – HSA vs FSA: The key differences every employee needs to understand. [21:22] – Five key takeaways: The simple framework for turning your HSA into a retirement powerhouse.  ⸻  Links & Resources Mentioned  • Email: connect@meritfa.com • Website: meritfinancialadvisors.com/about/locations/marietta-ga/  ⸻  Closing Thoughts  If today's episode resonated with you, please like, share, comment, and subscribe, it helps us reach more people who want to keep more of what they've earned.  Have questions about whether an HSA is right for your retirement plan? Reach out at connect@meritfa.com, we'd love to help you make the most of every tax advantage available to you.   Stay coachable!  __________  Disclaimer: Investment advice offered through Merit Financial Group, LLC., an SEC-registered investment adviser.

Rob York is the head of the archery division at the Oklahoma City Gun Club and fresh off a fantastic weekend of State Championship action we set down to recap a wonderful weekend. Oklahoma ASA had 246 QUALIFIED shooters on the range this past weekend and Rob took out all the stops to make sure each and every one of them was treated like the guest of honor. We swap stories and discuss feedback from the most hectic weekend in recent memory and look forward to 2027 and things to improve.Big thank you to EVERYONE at the Gun Club who helped us pull off this feat! Neil and Dave transition to INDOOR SEASON and announce the First Annual Oklahoma Open, hosted by H&H Archery December 11th-13th! Give this episode a listen for some details you don't want to miss!As always, thank you to our sponsors at the Podcast: Cooper Heat and Air, Summit Bowstrings, Red Dirt Archery and H&H Archery! #oklahomaasafederation#oklahomacitygunclub#okcgcarchery#statechampionships #indoorarchery#lancasterarchery#3darchery #oklahomaopen#hnharchery#cooperheatandair#summitbowstrings#triplecarchery

Have you ever felt lonely in a season where you actually had people around you?I know I have.After having my fourth child, I found myself feeling incredibly overwhelmed. I had people in my life, but I realized I wasn't truly letting them in. I wasn't being honest about what was hard, where I was struggling, or what I really needed. After experiencing a panic attack, I found myself in counseling and on a journey toward finding deeper, more meaningful connections.In this week's Coffee with Heather mentor series, I want to talk about community in motherhood because I know how hard it can be. As moms, we are constantly pouring out—meeting our kids' needs, managing schedules, and caring for everyone around us. Sometimes friendship gets pushed to the side because we simply don't have the energy left.But the truth is, we were never meant to do motherhood alone.In this conversation, I share: Why making and maintaining friendships can feel so difficult as a mom. How we can unintentionally keep people at a distance. The insecurity that can come when we see groups of moms who already seem connected. How vulnerability helps us move from surface-level relationships into real connection, and how to practically do that.  Practical ways to start building community, even in a busy season. I also share an interview with Jada Edwards about the importance of remembering that our kids don't need a perfect mom—they need the mom God created us to be. We can trust Him with the gaps and allow Him to bring people into our lives who can speak truth, love, and encouragement into our children. God often provides a village in ways we don't expect. Sometimes we just have to be willing to ask Him to show us who those people are and take the first step toward connection.Connect with Melanie Shankle:  Website: Big Mama – the big mama blog  Facebook: Melanie Shankle -The Big Mama Blog Connect with Jada Edwards:  Website: Jada Edwards  Instagram: Jada A Edwards (@jada_edwards) Links Mentioned:  Feelings Chart Needs Chart Don't Mom Alone: By Heather MacFadyen Related Episodes: You are Qualified in Christ :: Jada Edwards [Ep 248] Generational Healing: Becoming the Mom You Needed :: Melanie Shankle [Ep 508] Navigating Friendship :: Melanie Shankle [Ep 273]  Featured Sponsors:  Branch Basics: And here's the good news—Branch Basics is now available everywhere you shop: at Target, Target.com, Amazon, and of course, BranchBasics.com. Tossing the toxins has never been more convenient! For anyone grabbing the Premium Starter Kit, you can still get 15% off at BranchBasics.com with our code [DMA]. The Premium Starter Kit comes with The Concentrate, and refillable bottles for your surface cleaners, including All-Purpose, Bathroom, Streak-Free, Foaming Hand Wash, and Laundry. It also comes with Oxygen Boost for extra stubborn stains on pots and pans, laundry, bathroom tile and more. This kit is a great way to kickstart your human-safe cleaning routine Hiya Health: We've worked out a special deal with Hiya. Receive 50% off your first order on any of their products. To claim this deal you must go to hiyahealth.com/DMA. This deal is not available on their regular website. Get your kids the full-body support they deserve. Honeylove: Save 20% off Honeylove by going to honeylove.com/DMA #honeylovepod

Could I be a coach? If that question keeps circling in your head, stay with me. The qualification you think you're missing is almost certainly one you already have. You just haven't recognized it yet.If you're new to my channel, my name is Debbie Shadid. I'm a Business Growth and Life Coach and the founder of the Business Building Boutique. For over two decades, I've helped women learn how to become coaches, get clients, grow their businesses, and create meaningful income doing work they love.When you stop waiting for permission and start seeing your life experience as the offer it actually is, everything opens up. Your hardest seasons weren't a detour. They were the preparation.In this episode, we'll walk through:• Why your life experience isn't a gap on your resume, it's your entire coaching offer• Sign one: you rebuilt a relationship after a divorce, a loss, or a heartbreak you weren't sure you'd survive• Sign two: you changed careers in the second half of your life and walked away from what felt safe• Sign three: you came through a health crisis and figured out how to feel good again• Sign four: people naturally come to you when they're struggling, and what that's really telling you• Sign five: something in you keeps saying you're meant for more, and why that isn't wishful thinking• The one thought that's holding you back, and why it's a lie• The single simplest way to get your first client, and it isn't a website or a certificationImagine finally understanding that the thing you've quietly called "just my life" is exactly what someone out there is searching for right now. You're not too late. You're not too old. You're not under-qualified. You were made for this.Wondering if coaching is your next step? Let's talk about where you are and what you've been through. Book a call with me here:https://debbieshadid.com/scheduleConnect with me, Debbie Shadid:Website: https://www.debbieshadid.comInstagram: https://www.instagram.com/debbieshadid/Listen to the Podcast:Life Coach Business Building School Podcast: https://podcasts.apple.com/ca/podcast/life-coach-business-building-school-with-debbie-shadid/id1502118085Subscribe for weekly episodes on building your coaching business, finding clients, and creating the life you actually want: https://www.youtube.com/@debbieshadid?sub_confirmation=1If this spoke to you, share it with a woman who's been telling herself she isn't qualified. Subscribe and hit the bell so you don't miss next week's episode.Disclaimer: Some links above may be affiliate links. I only recommend products I personally use and love.Let's connect!Website: https://www.debbieshadid.com Instagram @debbieshadidSubscribe on YouTube#DebbieShadid #LifeCoachBusinessBuildingSchool 

An ordered church is led by qualified and competent elders who exemplify and instruct sound doctrine.

Check out the STACK for links from each show here: http://JustinBarclay.comNew gear is here! Check out the latest in the Justin Store: https://justinbarclay.com/storeProtect what you've worked for… Kirk Elliott Precious Metals is my preferred partner - http://GoldWithJustin.comJoin Justin in the MAHA revolution - http://HealthWithJustin.comTry Cue Streaming for just $2 / day and help support the good guys https://justinbarclay.com/cueUp to 80% OFF! Use promo code JUSTIN http://MyPillow.com/JustinPatriots are making the Switch! What if we could start voting with our dollars too? http://SwitchWithJustin.comNo matter what's coming, you can be ready for your family and others. http://PrepareWithJustin.com #adFind Justin..Podcast: https://www.iheart.com/podcast/53-westmichiganlivewith-28276509/?keyid%5B0%5D=West%20Michigan%20Live%20with%20Justin%20Barclay&pname=podcast_profile&sc=widget_shareRumble: https://rumble.com/c/JustinBarclayLOCALS: https://justinbarclay.locals.comFacebook: https://www.facebook.com/MrJustinBarclayTwitter: https://twitter.com/mrjustinbarclayGettr: https://gettr.com/user/mrjustinbarclayTruth: https://truthsocial.com/@mrjustinbarclayInstagram: https://www.instagram.com/mrjustinbarclayTwitch: https://www.twitch.tv/mrjustinbarclayGab: https://gab.com/MrJustinBarclayTiktok: https://www.tiktok.com/@mrjustinbarclayBitchute: https://www.bitchute.com/channel/OvxYfTftZdRk/Brighteon: https://www.brighteon.com/channels/mrjustinbarclayClouthub: https://app.clouthub.com/#/onboarding/?redirect=%2Fusers%2Fu%2Fmrjustinbarclay%2FpostsSubstack: https://substack.com/profile/41993224-justin-barclayGet the stories from today's show in THE STACK: https://justinbarclay.comJoin Justin in the MAHA revolution - http://HealthWithJustin.comProTech Heating and Cooling - http://ProTechGR.com New gear is here! Check out the latest in the Justin Store: https://justinbarclay.com/storeUp to 80% OFF! Use promo code JUSTIN http://MyPillow.com/JustinHeartland Home Mortgage http://HHMLending.com

2.29 INTRO ScheduleWhiskeyjack interview - Legends of the Hidden Force, IMPACT - everything you need to know about o-ring rivetsNext livestream 7/27 SDCCFOLLOW-UPGrunt & Dawn pushed back - more on that laterBigBad wait listTriple T talk next week!Things you might have shipping soon, updates since last episodeRANK & FILE CARD - LADY JAYECOVERT OPERATIONSCode Name: LADY JAYEFile Name: Hart-Burnett, Alison R.SN: 853-71-6749Primary Specialty: IntelligenceSecondary Specialty: Personnel clerk (A Military Administrative Specialist (often called a Military Admin Clerk or Human Resources Specialist in armed forces units) is responsible for providing administrative and personnel support to ensure the smooth operation of military units. This role combines clerical expertise, organizational skills, and strict adherence to military regulations and procedures.Military administrative personnel handle records management, correspondence, reporting, and coordination tasks while maintaining confidentiality and operational security.)Birthplace: Martha's Vineyard, Mass.Grade: E-4Lady Jaye graduated from Bryn Mawr and did her graduate work at Trinity College in Dublin where she acquired the faint Gaelic lilt that adorns her speech. An accomplished actress and mime as well as a studied linguist, she can easily pass as a native in France, Italy, Poland, Russia, Germany, Afghanistan, Spain, and Portugal.Airborne and Ranger qualified, graduated intelligence school Fort Holabird. Qualified expert: M-16, M1911A1 and reflex crossbow."Lady Jaye doesn't go in for that phoney wig and rubber mask brand of disguise like those jokers on Mission Improbable...She becomes the subject: body language, subtle gesture, correct shading of dialect - The right look in the eye. Cloaked and sandaled, she can squat down with a basket of oranges, in any Middle Eastern marketplace and blend in perfectly."G.I. GONZO - OPERATION CAMILLA INSTRUMENTS OF DESTRUCTION - Devilfish (Kristian)KNOWING IS HALF THE BABBLESHOW CLOSEMusic is by Chris Lodge of Neon WarlordsFollow us on IG at audibleinterludepodcast

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Have you been contributing to a Roth 401(k) for years and assumed that time counts toward the Roth IRA five-year rule when you roll it over?

Ian sits down with Asher Bykov, Head of Growth at USVC, AngelList's newly launched publicly accessible venture fund, to talk about how they took USVC from a hundred and fifty investors to tens of millions of impressions on launch day. Asher shares why the biggest marketing lever wasn't a campaign but years of owned audience-building through Naval Ravikant's podcast and Ankur Nagpal's Silly Money newsletter, how a great offer beats great copywriting every time, and why he thinks about brand as a promise you keep rather than a logo you design. Key Takeaways: A great offer beats great marketing. Asher ranks the sequence as offer, then copywriting, then design, then media buying - no amount of clever positioning saves a weak offer. Owned audiences compound for years before they pay off. Naval's podcast, Ankur's Silly Money newsletter, and AngelList's own network turned USVC's launch into demand capture rather than demand generation. Brand is a promise, not a logo. Borrowing from Seth Godin, Asher argues that consistently delivering on what you tell your audience matters more than any campaign, rebrand, or design choice. Sponsor:  Pipeline Visionaries is brought to you by Qualified.com. Qualified helps you turn your website into a pipeline generation machine with PipelineAI. Engage and convert your most valuable website visitors with live chat, chatbots, meeting scheduling, intent data, and Piper, your AI SDR. Visit Qualified.com to learn more. Links: Connect with Ian on LinkedIn: https://www.linkedin.com/in/ianfaison/ Connect with Asher on LinkedIn: https://www.linkedin.com/in/asherbykov/ Learn more about USVC: https://usvc.com/ Learn more about Caspian Studios: https://www.linkedin.com/company/caspian-studios/about/ Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

This Day in Maine for Tuesday, July 21, 2026.

Have you ever had one hard parenting moment and immediately thought, "I'm such a bad mom"? I know I have. It's amazing how quickly we can go from, "Today was hard," to believing something is wrong with us instead of recognizing we simply had a difficult moment.In this week's Coffee with Heather mentor series, we're talking about one of the most important relationships we have—the relationship with ourselves. As moms, we're often so quick to extend grace to our kids, our spouses, and our friends, yet we're incredibly harsh with the woman staring back at us in the mirror. We hold ourselves to impossible standards, compare ourselves to what we see online, and believe the lie that we're supposed to have motherhood figured out.In this conversation, I want to encourage you to begin recognizing the difference between conviction, condemnation, and shame. We'll talk about why self-compassion isn't self-pity, how to quiet your inner critic, and how to replace the lies we believe with the truth of God's Word. Motherhood was never meant to be lived under the weight of perfection. God isn't asking you to be a perfect mom—He's inviting you to faithfully walk with Him, receive His grace, and extend that same grace to yourself.If you've been carrying around mom guilt, feeling like you're constantly falling short, or wondering if you're enough, I hope this conversation reminds you that your identity isn't found in one parenting moment. It's found in Christ. There is no perfect formula for raising kids, but there is a faithful God who redeems our mistakes, transforms our hearts, and walks with us through every season of motherhood.Connect with Kim Fredrickson:  Facebook: The Self-Compassion Club Instagram: Kim Fredrickson (@kimfredrickson) Connect with Jada Edwards:  Website: Jada Edwards  Instagram: Jada A Edwards (@jada_edwards) Links Mentioned:  Give Yourself a Break: By Kim Fredrickson Give Your Kids a Break: By Kim Fredrickson Don't Mom Alone: By Heather MacFadyen Related Episodes: You are Qualified in Christ :: Jada Edwards [Ep 248] Quiet Your Inner Critic and Practice Self-Compassion :: Kim Fredrickson Remaining You While Raising Them  :: Alli Worthington [Ep 420] Featured Sponsors:  Wayfair: Ready to upgrade your home for way less? Head to wayfair.com right now to shop all things home and get your space ready for less.  Our place: Upgrade your kitchen with Our Place today. Visit fromourplace.com/DMA and use code DMA for 10% off sitewide. With a 100-day trial, you can try it completely risk-free. Lifepro: For a limited time, our listeners can get $20 OFF the Waver Vibration Plate plus Free Shipping with code [DMA] at lifeprofitness.com.

What if addiction isn't the problem, but the solution to pain you never knew you were carrying? Anita Chellamah looked like she had everything. She appeared on Top of the Pops with Legs & Co, fronted and co-wrote The Cherry Bombz, supported Poison on tour in America, performed at the legendary CBGB in New York and on the Reading Festival Main Stage, was a member of Toto Coelo, who reached No. 6 in the UK charts and No. 4 in Australia, and became one of the first presenters on Sky Television and one of its first presenters of colour, hosting her own shows and performing Sky's 5th Anniversary song. From the outside, it looked like success in every direction. Behind the scenes, however, she was quietly battling addiction. At just 19, while performing in the West End production of Bubbling Brown Sugar, she was prescribed amphetamines by a private doctor who was later struck off. By her late twenties, nights began with champagne, continued with cocaine and ended with Night Nurse. At 29, she stopped. She hasn't had a drink or a drug since.Today, Anita is a trauma, addiction and DBT therapist with nearly four decades of sobriety. Qualified since 1998, she works in private practice, receiving referrals and working with organisations including the Priory, Steps Together and Castle Craig, specialising in addiction, trauma and Dialectical Behaviour Therapy (DBT) with individuals, couples, families and groups. Anita explains why rock bottom rarely looks like the movies, why childhood trauma, shame and emotional pain so often drive addiction, and why recovery is about far more than simply putting down the drink or the drug.We explore the hidden links between trauma, ADHD, binge drinking, cocaine addiction, alcoholism, codependency, self-worth, mental health, emotional regulation and long-term recovery. Anita shares how recovery transformed not only her relationship with alcohol and drugs, but also the way she understands herself, her emotions and the world around her.The conversation also tackles some of the biggest debates in recovery today, including trauma therapy, 12-step fellowships, medication in recovery, antidepressants, ADHD medication, relapse prevention, addictive personality and why there is no single path that works for everyone. Nearly 40 years sober, Anita's humility, honesty and wisdom offer hope to anyone wondering whether lasting recovery from addiction and alcoholism is really possible.Oliver is an ambassador for Alcohol Change UK and you can access support here - https://tinyurl.com/5dt5773eThank you to Gavin Sisters for sponsoring this episode! Visit -www.gavinsisters.co.ukand use promo code SCHOOLOFROCKBOTTOM for 10% off!Podcasting is an expensive passion. To help me keep going, I'd really appreciate it if you could buy me a coffee, thank you!https://buymeacoffee.com/olivermason1Or via PayPal - https://www.paypal.me/olivermason1paypalTopics -0:00 Trailer & Intro2:55 A rock bottom moment 5:25 Binge drinking & progression9:25 Childhood 12:45 ADHD and intrusive thoughts 14:30 Using performing arts as medicine 17:25 Access vs genetics 18:45 Dealing with denial 20:15 Recovery in 198825:35 Do all addicts have trauma?30:35 We are all different 33:35 How therapy helped Anita 38:25 WE ARE NOT DOCTORS!43:50 Still an addict after 38 years?48:20 Humility & labels 51:35 Addictive personality & escape?57:20 Boundaries Follow Anitahttps://www.instagram.com/anitachellamahFollow OliverInstagram - https://tinyurl.com/2vt29sjvFacebook - https://tinyurl.com/34cwz59rTikTok - https://tinyurl.com/ujw4vxn9LinkedIn - https://tinyurl.com/yuemhnd7Threads - https://tinyurl.com/yk7vdeahX - https://tinyurl.com/3u5mnpdsPlease subscribe, follow, like, leave a review and comment!YouTube - https://tinyurl.com/y5bwbcaySpotify - https://tinyurl.com/58jp2jyjApple - https://tinyurl.com/y3n2chk3#Addiction #Recovery #Sobriety

Relebogile Mabotja speaks to Jogini Packery a Qualified counselling psychologist and Head of SACAP (The South African College of Applied Psychology) about parental favouritism and navigating accidental favouritism, while most parents strive to love and treat their children equally, many families experience situations where one child may receive more attention, understanding, leniency, or praise than another sometimes unintentionally. 702 Afternoons with Relebogile Mabotja is broadcast live on Johannesburg based talk radio station 702 every weekday afternoon. Relebogile brings a lighter touch to some of the issues of the day as well as a mix of lifestyle topics and a peak into the worlds of entertainment and leisure. Thank you for listening to a 702 Afternoons with Relebogile Mabotja podcast. Listen live on Primedia+ weekdays from 13:00 to 15:00 (SA Time) to Afternoons with Relebogile Mabotja broadcast on 702 https://buff.ly/gk3y0Kj For more from the show go to https://buff.ly/2qKsEfu or find all the catch-up podcasts here https://buff.ly/DTykncj Subscribe to the 702 Daily and Weekly Newsletters https://buff.ly/v5mfetc Follow us on social media: 702 on Facebook https://www.facebook.com/TalkRadio702 702 on TikTok: https://www.tiktok.com/@talkradio702 702 on Instagram: https://www.instagram.com/talkradio702/ 702 on X: https://x.com/Radio702 702 on YouTube: https://www.youtube.com/@radio702 See omnystudio.com/listener for privacy information.

Caleb Drahosh Who is qualified to receive an inheritance? The one who has been delivered from the domain of darkness, a place of cloudy, chaotic slavery, and transferred into the kingdom of the beloved Son, a place of clear, ordered sonship. The payment of our debt is how the transfer occurs. And this was all accomplished at the cross.

Welcome back to the Dollar Wise Podcast. In this episode, Andrew Barnhardt, CFP, and Brett Herron, CFP, take a deep dive into Roth conversions — what they are, why so many pre-retirees and retirees are asking about them, and when they do (and don't) make sense. Andrew and Brett walk through the core benefits of converting pre-tax retirement dollars to Roth, including lowering future required minimum distributions, creating a tax-free pot of money for large expenses, hedging against potential future tax increases, and leaving a tax-free inheritance to heirs. They also cover the practical side of paying the resulting tax bill, scenarios where converting may not be the right move — including charitable giving goals — and real examples of when conversions have paid off for clients. Throughout, they emphasize that Roth conversions are a personal, best-guess optimization strategy that should be made in coordination with a tax professional and financial advisor, not a one-size-fits-all recommendation.Tune into this episode to also learn:● What a Roth conversion is and how it differs from a regular Roth contribution.● How Roth conversions can help reduce future required minimum distributions.● The most tax-efficient ways to pay for a Roth conversion when it comes due.● Why charitable giving goals can change whether a conversion makes sense.What we discussed● [00:00:31] Kicking off the episode: introducing today's topic, Roth conversions.● [00:00:50] What a Roth actually is — after-tax contributions, tax-free growth, and tax-free qualified withdrawals.● [00:03:27] What a Roth conversion is and how it differs from contributing directly to a Roth account.● [00:06:54] Advantage #1: how converting to Roth can lower future required minimum distributions (RMDs).● [00:09:13] Smoothing retirement income over time to avoid higher tax brackets and other income-based traps.● [00:09:54] Advantage #2: building a tax-free pot of money for large or unexpected expenses.● [00:11:46] Advantage #3: using conversions as a hedge against potential future tax rate increases.● [00:13:11] Advantage #4: tax-free inheritances and gifting Roth dollars to heirs.● [00:15:46] How to actually pay the tax bill on a conversion — cash, taxable accounts, and what to avoid.● [00:19:16] Three scenarios where a Roth conversion may not make sense.● [00:21:41] Qualified charitable distributions (QCDs) and leaving pre-tax IRAs to charity.● [00:23:36] A real client example: how consistent conversions during low-income years changed one business owner's retirement picture.● [00:24:13] Why peak earning years are usually the wrong time to convert.● [00:25:49] Closing thoughts: Roth conversions are a personal decision based on your own goals, not trends.3 Things To Remember1. Roth conversions are about optimization, not necessity — they're rarely what makes or breaks a retirement.2. Whether a conversion makes sense depends on your own tax bracket today versus your expected bracket later — not on trends or what your neighbor is doing.3. How you pay the tax on a conversion matters — paying from cash or a taxable account is generally more efficient than withholding from the conversion itself.Memorable moments:(00:06:54) "Roth conversions are a way of moving some of that income forward into your retirement to lower your RMDs, therefore lowering the tip that you give Uncle Sam."(00:11:46) "It's a hedge against future tax rate increases... if you convert money from pre-tax to Roth, you insulate yourself somewhat against some of those tax potentials in the future."(00:19:16) "If doing a Roth conversion is going to hurt you financially for your retirement, it would be more necessary to not do it."Useful LinksConnect with Brett Herron: bherron@hfmadvisors.comLinkedIn: https://www.linkedin.com/in/brett-herronConnect with Andrew Barnhardt: abarnhardt@hfmadvisors.comLinkedIn: https://www.linkedin.com/in/andrew-barnhardt-cfpLike what you've heard...Learn more about HFM HERE: https://hfmadvisors.com/Schedule time to speak with us HERE: https://calendly.com/hfminquirycall/360102 WEST HIGH STREET, SUITE 200GLASSBORO, NJ 08028HFM Investment Advisors, LLC is a registered investment adviser. All statements and opinions expressed are based upon information considered reliable although it should not be relied upon as such. Any statements or opinions are subject to change without notice. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. All investments involve risk and are not guaranteed. Information expressed does not take into account your specific situation or objectives and is not intended as a recommendation appropriate for any individual. Listeners are encouraged to seek advice from a qualified tax, legal, or investment advisor to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance.

Mandy Wiener speaks to 'Qualified Disappointment' Author ,Prev Reddy about his book for the book of the week feature. The Midday Report with Mandy Wiener is 702 and CapeTalk’s flagship news show, your hour of essential news radio. The show is podcasted every weekday, allowing you to catch up with a 60-minute weekday wrap of the day's main news. It's packed with fast-paced interviews with the day’s newsmakers, as well as those who can make sense of the news and explain what's happening in your world. All the interviews are podcasted for you to catch up and listen to. Thank you for listening to this podcast of The Midday Report Listen live on weekdays between 12:00 and 13:00 (SA Time) to The Midday Report broadcast on 702 https://buff.ly/gk3y0Kj and on CapeTalk https://buff.ly/NnFM3Nk For more from The Midday Report go to https://buff.ly/BTGmL9H and find all the catch-up podcasts here https://buff.ly/LcbDdFI Subscribe to the 702 and CapeTalk daily and weekly newsletters https://buff.ly/v5mfetc Follow us on social media: 702 on Facebook: https://www.facebook.com/TalkRadio702 702 on TikTok: https://www.tiktok.com/@talkradio702 702 on Instagram: https://www.instagram.com/talkradio702/ 702 on X: https://x.com/Radio702 702 on YouTube: https://www.youtube.com/@radio702 CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/CapeTalk CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

If you're looking to qualify as a personal trainer, either for yourself or to make a career (or side hustle) as personal trainer, join me on July 22nd 2026 for the live training webinar.  See you then, link below.  https://galwaycitygymoffers.com/brian-webinar-july26

He's your accountant by day and a 54-unit landlord by night. And he charges less than you'd spend on a Friday night out.

Ed Mylett shares the story of the job his newly sober father pushed him into — and the room full of boys that rearranged his entire life. He explains why the things you're most ashamed of are the very things that qualify you, why belief is the rarest gift one person can give another, and why all pain is temporary. This episode will move you to help the person you used to be.Source: Ed Mylett – Arbonne EmpowerHosted by Sean CroxtonFollow me on InstagramSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Feeling Unqualified for What God Calls You To? What Moses's Story Teaches Us Ever caught yourself thinking, "God, why choose me? She's more qualified. She's been walking with You longer. She has the platform, the gifts, the put-together life — not me."  Today we're sitting with Moses in Exodus 3-4, where he asked God that exact question... and God's answer wasn't a list of Moses' qualifications. It was Himself.    Scripture Referenced Exodus 3:11-12 Exodus 4:10-17 Ephesians 1:4 1 Peter 2:9 John 15:16 Ephesians 2:10 Philippians 3:7-9 Links: Hosanna Revival — 15% off + an extra 10% off with my code SHELIVESPURPOSEFULLY https://hosannarevival.com/shelivespurposefully Daily Grace Co — Door Busters Sale + an extra 10% off with my code MEGANE10 thedailygraceco.com/shelivespurposefully  Learn more about your ad choices. Visit megaphone.fm/adchoices

How do our everyday digital traces—social posts, check-ins, photos—shape our identities, relationships, and the very nature of privacy in a hyper-connected world? Kate O’Neill sits down with Lee Humphreys, professor and Chair of the Department of Communication at Cornell University and author of The Qualified Self: Social Media and the Accounting of Everyday Life. The conversation explores the rich history and surprising continuity of documenting daily life, from centuries-old diaries and photo albums to today's social media and sensor-driven platforms. Topics Covered: The history and meaning of phatic communication Social media as an extension of historical practices (diaries, notebooks, albums) Privacy, data, and the networked self The context collapse of online identities Location-based sharing and identity work Algorithmic identities and platform agency The impact of digital spaces on rituals and remote work Policy, power, and responsibility in platform design Hopeful uses of technology to build community Connect with Lee HumphreysCornell WebsiteLinkedIn”The Qualified Self – Social Media and the Accounting of Everyday Life” Episode Chapters: 00:04 Introduction to the Tech Humanist Show & guest00:17 The concept of phatic communication02:27 Lee's route into communication technology04:42 From photo manipulation to tech distrust06:00 Diaries, Twitter, and the origins of media accounting12:10 Social reinforcement vs. narcissism in social media13:33 Location sharing and its role in identity16:35 Parasocial relationships and context collapse19:53 Data, experience, and mismatched realities22:33 The shifting meaning of place and time in data24:31 Networked privacy and the collective dimension27:39 Incentives, policy, and platform accountability30:01 Algorithmic identity and the “qualified self”35:26 Digital rituals, remote work, and connection40:31 Closing thoughts: technology, humanity, and hope41:04 Lee’s story of hope and innovation through tech42:58 Episode wrap-up and thanks

Many of us avoid sharing our faith because we don't feel qualified. We don't think we know our Bibles well enough or walk the walk well enough. On today's show, Diane Canada debunks that and shares why, as a Christian, you are absolutely qualified and how to go about it in our modern society. Additionally, Diane welcomes Steve Gill from TriStar Daily to break down the leading news headlines from a biblical worldview. Learn more about Lady Up America and Diane Canada: https://ladyupamerica.comLearn more about Steve Gill and TriStar Daily: https://tristardaily.com Join the Mission:If you feel called to reach your neighborhood with grace and truth, I would love to see you at my next workshop. It's a combination of training and an elegant tea party, designed to equip you for this new mission field.

Hour 1 of the Thursday Bob Rose Show with Greg Cassidy hosting, on controversy among low-rated candidates for Florida's governor, as a court challenges alleges James Fishback doesn't meet residency requirements. Plus, all the morning's biggest stories for 7-9-26

Geoff Woods returns to Beyond the Prompt to discuss the updated edition of The AI-Driven Leader and what has changed over the past 18 months. Rather than focusing on the latest AI models, Geoff argues that leaders need to use AI themselves before asking others to, using it to think more clearly, shape strategy, and make better decisions. The conversation explores why many organizations confuse access with adoption, why strategy should come before use cases, and how AI can change the way leaders approach everything from business strategy to organizational design. Along the way, Henrik and Jeremy challenge Geoff's ideas on authorship, judgment, and whether understanding AI changes what leaders believe is possible.Key Takeaways: Leaders need to use AI themselves Using AI personally is what qualifies leaders to shape strategy and lead others from practice rather than theory. Use AI to improve your thinking The biggest opportunity isn't automating work. It's using AI to think better, solve better problems, and imagine new possibilities. Start with problems, not use cases Begin with the biggest challenges facing the business, then use AI to rethink how to solve them. AI still needs human judgment AI can generate ideas, but people are still responsible for reviewing the output and standing behind it. Focus AI on your highest-value work Use AI to amplify the small set of activities where your human strengths create the greatest impact. The AI-Driven Leader: aileadership.com Geoff's LinkedIn: linkedin/geoff-woods00:00 Are You Qualified to Lead on AI?00:35 Meet Geoff Woods00:54 The AI Slop Dilemma05:48 Putting Your Stamp of Approval09:19 What Changed in 18 Months12:13 Access Isn't Adoption15:50 Why Leaders Can't Delegate AI20:09 Strategy Before Use Cases22:02 BarkBox's AI Strategy26:23 Reinventing Strategy with AI33:11 Compressing Months into Hours37:22 Human Skills as Superpowers42:46 The Debrief  

Season 2, Episode 123In the concluding episode of this series on sin, desire, identity, and the gospel, Michael and Zach explore how biblical theology should shape the qualifications for pastoral leadership. Building on previous discussions of original sin, concupiscence, sanctification, and Christian identity, they ask a practical question facing many churches today: How should elders and pastors speak about, fight against, and model the battle with remaining sin? Drawing from Scripture, the Westminster Standards, and the PCA's Report on Human Sexuality, the conversation examines the importance of clear theological categories, faithful repentance, and language that promotes rather than obscures biblical holiness. As a case study, Michael and Zach carefully evaluate the ministry and teaching of Sam Allberry, highlighting areas of broad agreement while thoughtfully explaining the narrower theological disagreements surrounding the moral status of same-sex attraction and the language Christians use to describe it. Throughout the discussion, they emphasize that the issue is not whether church leaders struggle with sin—all do—but whether they clearly identify sin as Scripture does, pursue holiness, model repentance, and faithfully shepherd God's people. The series concludes by reminding listeners that the gospel tells the truth about both our profound need as sinners and the all-sufficient grace of Christ, who transforms those who belong to Him.Find our videocast here: https://youtu.be/1O8N5lF3kSEMerch here: https://take-2-podcast.printify.me/Music from #Uppbeat (free for Creators!):⁠https://uppbeat.io/t/reakt-music/deep-stone⁠License code: 2QZOZ2YHZ5UTE7C8Find more Take 2 Theology content at http://www.take2theology.com

Which term always messes with you — effective tax rate, backdoor Roth, cost basis, or RMDs? Write it below

Non-qualified deferred compensation could be one of the most valuable benefits you're not using.In this episode of Gimme Some Truth, we break down NQDC — a powerful but often overlooked benefit available to executives and high earners at many public companies. They cover how it works, who it's for, the key risks involved, and why planning ahead is critical before open enrollment season hits.If you're a senior leader, executive, or high-income earner at a public company, this episode could save you a significant amount in taxes — or help you avoid a costly mistake.

Sometimes it's fun to daydream a bit!  In this episode of Financial Clarity for Doctors, Rachelle Vanderzanden and Corey Janoff unpack the potential uses of those unexpected windfalls.  The lottery is a great example, although a long shot – especially if you don't play!  Selling a business or receiving a large inheritance is much more likely for some of you.  Below are some practical (and not so practical) ideas. Practical matters first: There will be tax considerations for any windfall and consulting a tax professional and/or financial planning professional will be very helpful. They can help you consider: Lump sum vs annuity payments Timing of business ownership transfer and payments Taxation on various inherited assets and the timing of withdrawals and sales Then, assess where you are with your goals! Can ensure you are on track for retirement, college savings, debt repayment, and so many other things. Last – the fun stuff! With large windfalls, maybe you get to do that pie in the sky dream splurge? Golf simulator? Vacation house? Large chunks of money can potentially have larger tax implications depending on their source. Consulting a tax planning professional can be very helpful in these circumstances. And with these windfalls, consider what's really important to you, tackle that first, then maybe you'll have extra for a splurge! For more financial planning tips from Corey and Rachelle, find them on social media! LinkedIn: @CoreyJanoff; Instagram: @CoreyJanoff and @VanderzandenRachelle; and Twitter: @CoreyJanoffCFP Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions. Securities and advisory services offered through LPL Financial, a registered investment advisor, Member FINRA/SIPC.  Finity Group, LLC is a separate entity from LPL Financial.  Finity Group and LPL Financial do not provide legal advice or tax services.  Please consult your legal advisor or tax advisor regarding your specific situation. This material is for general information and educational purposes only and is not intended to provide specific advice or recommendations for any individual. Investing involves risk including the loss of principal. There is no assurance that the views or strategies discussed are suitable for all investors or will yield positive outcomes. Finity Group and LPL Financial do not provide legal advice or tax services. Please consult your legal advisor or tax advisor regarding your specific situation. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk. ETFs trade like stocks, are subject to investment risk, fluctuate in market value, and may trade at prices above or below the ETF's net asset value (NAV). Upon redemption, the value of fund shares may be worth more or less than their original cost. ETFs carry additional risks such as not being diversified, possible trading halts, and index tracking errors. Fixed and Variable annuities are suitable for long-term investing, such as retirement investing. Gains from tax-deferred investments are taxable as ordinary income upon withdrawal. Guarantees are based on the claims paying ability of the issuing company. Withdrawals made prior to age 59 ½ are subject to a 10% IRS penalty tax and surrender charges may apply. Variable annuities are subject to market risk and may lose value. The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. A Roth IRA offers tax deferral on any earnings in the account. Qualified withdrawals of earnings from the account are tax-free. Withdrawals of earnings prior to age 59 ½ or prior to the account being opened for 5 years, whichever is later, may result in a 10% IRS penalty tax. Limitations and restrictions may apply Citations: Loughead, Katherin.  Estate and Inheritance Taxes by State, 2025.  Tax Foundation. October 28, 2025. Bonus Depreciation for Short-Term Rentals: The Complete Guide (2026).  https://taxfoundation.org/data/all/state/estate-inheritance-taxes/ Powerball. FAQS.  https://www.powerball.com/faqs

When it comes to serving the Kingdom of God, the primary qualification is obedience.

When it comes to serving the Kingdom of God, the primary qualification is obedience. Chalcedon Foundation podcast with Andrea Schwartz and Dr Charles Roberts

You have to be careful who you let represent your organization.    I didn't learn this lesson soon enough.     I'm not talking about someone who got fired from your team and started talking shit online about the company and you.    They'll do that, but think about things this way:    You hire a sales person who is absolutely manipulative.    Guess what?    When they train your new sales people, they'll train them to be the same.    You have to rank people based on what they are.    Are they a 5 or a 7?     Maybe they're a 10.    Who you put in leadership positions will be the representatives of your organization.    Whomever you put in that place, there's a trickle down effect.    Go for 10s.     The way you find 10s is to establish metrics and KPIs that represent excellence.    Hire those people and let them do their work.    Make sure they represent the core values and mission of your company above and beyond your expectations.    And watch your company thrive on autopilot.      About the ReWire Podcast   The ReWire Podcast with Ryan Stewman – Dive into powerful insights as Ryan Stewman, the HardCore Closer, breaks down mental barriers and shares actionable steps to rewire your thoughts. Each episode is a fast-paced journey designed to reshape your mindset, align your actions, and guide you toward becoming the best version of yourself. Join in for a daily dose of real talk that empowers you to embrace change and unlock your full potential.    Learn how you can become a member of a powerful community consistently rewiring itself for success at https://www.jointheapex.com/   Rise Above 

Trump Accounts are officially here on July 4th — but are they actually worth using for your kids?If your child was born in 2025 or later, they may qualify for a $1,000 government-funded investment account — but that headline doesn't tell the full story. The real question is how this new account compares to Roth IRAs, 529 plans, and brokerage accounts, and whether it fits into a smart long-term plan.In this episode of The Abundance Mindset, we break down:• What a Trump Account actually is (and how it works)• The real tax treatment (and why it's more complex than it sounds)• Where it fits in your child savings priority stack• And the advanced Roth conversion strategy that could turn this into a powerful long-term advantage

The USMNT has officially passed this test! In a massive Round of 32 clash at the 2026 FIFA World Cup, the U.S. fought through a gritty battle against Bosnia and Herzegovina to keep the dream alive. We're breaking down every key moment, the tactical decisions by Mauricio Pochettino, and what this massive win means for the Stars and Stripes as we push toward the quarterfinals. Was this victory the turning point for the USA on home soil? Let's talk about it—drop your thoughts in the chat!#USMNT #WorldCup #USA #Soccer #KnockoutStage #USAvBIH #Pochettino #Balogun #USMNTvsBosnia #FifaWorldCup

SaaStr 865: The Agents #008: Agents Are Merging, Not Multiplying. Plus, Sam Blond on Why Outbound Isn't Dead. Everyone told you the future is 100 specialized agents, one for every job. That's not what's happening at SaaStr AI. Their AI VP of Finance didn't get its own app. It moved in with the AI VP of Marketing. The agents are collapsing into each other, sharing knowledge, sharing context, going deeper together. In this episode, Amelia and Jason do a live breakdown of their AI VP of Finance: how they wired Bill.com, QuickBooks, Brex, and PandaDoc into one agent, what the agent found on day one that their human finance team never did, and why contract close to invoice now takes 30 seconds instead of a day. Then Sam Blond, founder and CEO of Monaco and one of the most respected sales minds in SaaS, joins to talk about why outbound still works, what brand and message market fit actually mean for AI agents in the field, and why Monaco is building toward one GTM platform that does everything. You'll learn: Why SaaStr's agents are merging, not multiplying, and what the "monorepo" model means for your own AI stack The exact integrations that power their AI VP of Finance (and which ones took 10 minutes vs. an hour) How the agent surfaced collections problems and automations the human team never knew existed Why "set it and forget it" is a myth, and what happened when Qualified was still selling 2026 tickets weeks after the event ended Sam Blond on brand, message market fit, and what actually makes AI outbound work for companies that aren't SaaStr Why FDE relationships are now more valuable than any AE, and what that means for how you buy and sell software This is for you if: You're a founder or operator wondering whether to build a separate finance agent or fold it into what you already have You run outbound and keep hearing it's dead (it's not) You're evaluating your GTM stack and wondering if you need five agents or one You want a real, unfiltered look at what it takes to run AI agents in production, including the failures

You have been doing everything right. Showing up polished. Staying composed. Keeping it professional. But what if the thing you have been calling professionalism is actually fear in a blazer? In this episode, Dr. Nicole names one of the most common — and most costly — patterns she sees in ambitious Black women leaders: protection masquerading as professionalism. It looks like discipline. It looks like boundaries. But underneath it, it is self-protection. And it is quietly blocking the very promotions and opportunities you are working so hard to earn. In this episode you'll hear: How the strict rules of professionalism that Gen X and older millennial Black women learned became a form of self-protection over timeWhy hiding in plain sight is one of the most sophisticated career killers there isThe real reason companies don't promote people they don't know — and what that means for youYou cannot be invisible and promoted at the same time. This episode is the moment you stop pretending you can. Resources mentioned:

One of the biggest misconceptions job candidates have is that if they're qualified, they'll keep moving forward. Uh, not how it works. Every week, I hear from professionals who have the experience, skills, and background to do the job. They get the recruiter call. Then they never hear from the company again. They assume they weren't qualified. Or, they're totally confused because they believed they were qualified. Hint: They were. So, what gives? Today, we dive into one of the most misunderstood parts of the hiring process and why good candidates get stonewalled before they get to the hiring manager. If you'd like to build a great career and lead a rewarding life, check out some of these other places where I share my teachings:   1. Check out the milewalk Academy, my coaching and training site, for freemiums and premiums. 2. I have hundreds of educational and inspirational videos on my YouTube Channel. 3. Grab any of my four books related to career development, interviewing, hiring, and goal setting. All can be found on my Amazon Author Page. 4. Follow me on Instagram, LinkedIn, Twitter (X), TikTok, Threads, and Facebook. 5. Stay in touch with me in your email inbox by joining my newsletter here! --Andy

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Hey Revitalized Womanhood listeners! I'm so excited to share this powerful conversation with Mindy Gibson, a business strategist, consultant, and leader who is passionate about helping women recognize the value of their experience and step confidently into their next chapter. Too often, women underestimate the skills they've gained through motherhood, careers, relationships, and everyday life. In this episode, Mindy shares why your life experience may be your greatest asset and how shifting your mindset can open the door to greater confidence, purpose, and opportunity. With more than 20 years of leadership experience across wellness, media, fitness, and business consulting, Mindy brings practical wisdom and real-life insight to this conversation. We discuss self-worth, boundaries, leadership, entrepreneurship, and what it means to stop playing small and start owning your value. Mindy also shares how her experiences leading large-scale programs, working with businesses of all sizes, and raising a family have shaped her belief that success isn't about having all the answers—it's about being willing to trust yourself, take action, and grow through the process. Her perspective is both empowering and refreshingly practical for women who are ready for more. Whether you're navigating a life transition, building a business, or simply looking for the confidence to take your next step, this episode will inspire you to see yourself differently and embrace the strengths you already possess. Tune in for an empowering conversation about confidence, growth, and turning your experience into impact. Connect with Mindy: Instagram: https://www.instagram.com/gettheconsultant/ Website: https://gettheconsultant.com/ _______________________ Connect with the Revitalized Womanhood online! https://revitalizedwomanhood.com/ Join other like-minded women in the Revitalized Sisterhood online community today!  https://revitalizedwomanhood.mn.co/feed Follow Revitalized Womanhood online! https://www.instagram.com/revitalizedwomanhood/

The Marc Cox Morning Show sits down with Matt Schwarz, president of the Missouri and Southern Illinois chapters of Folds of Honor — and the numbers he shares will stop you cold. This single golf tournament at Whitmore Country Club funds a third of their entire annual budget. This year alone, 250 scholarships went out to children and spouses of fallen military and first responders — but 150 fully qualified candidates didn't get funded because the money simply wasn't there. Every $5,000 is another scholarship. Every scholarship is another military child who gets the future their fallen parent fought for. Matt breaks down how to donate, volunteer, and get involved — and teases a moving flag folding ceremony, a surprise flyover, and fireworks on the driving range that will make every golfer there proud to be an American. Missouri Attorney General Katherine Hannaway joins the show next hour live at Whitmore — you will not want to miss what she has to say about Major League Baseball and Christian scripture. Stay tuned. HASHTAGS: #MarcCoxMorningShow #MattSchwarz #FoldsOfHonor #MilitaryFamilies #SuntropFamily #WhitmoreCountryClub #Scholarships #HonorTheirSacrifice #VeteranSupport #ConservativeRadio #STLConservative #MarcCox #PatriotVoices

Roseanne's longtime friend Shannon Hughey joins the podcast for a wild conversation that goes from world affairs to straight-up insanity. Roseanne breaks down her take on the Iran deal, what it means for America, and why she's more hopeful than ever that the truth is finally coming to light. Then things get personal. Roseanne shares hilarious, shocking, and unbelievable stories from her time in the nuthouse—where she learned some of life's biggest lessons from some of the craziest people she's ever met. From politics to psych wards, nothing is off limits in this funny, honest, and completely unpredictable episode.   SHANNON HUGHEY   https://shannonhughey.com    https://www.instagram.com/shannonhair.mupkc -------------------------------------------------  Sponsored By: AMERICA'S GOLD COMPANY Get your FREE 2026 Gold Guide at https://www.claimmygoldguide.com/rb and learn how physical gold may help diversify your retirement savings. Qualified applicants may be eligible for up to $10,000 in free silver.   RUMBLE WALLET Take Control of Your Money and claim $10 in US Stablecoin (USA₮)! Download now at http://wallet.rumble.com/roseanne and use the code ROSEANNE10.   Void where prohibited. No purchase necessary. Offer available to US residents only. Offer not available in New York State. Must be 18+. Offer is available for a limited time and for the first 500 wallets activated and funded. Details and full official rules available at http://rumble.com/promoofficialrules. ------------------------------------------------ Follow Roseanne:     Website: https://www.roseannebarr.com Instagram: https://www.instagram.com/officialroseannebarr    Facebook: https://www.facebook.com/officialroseannebarr   Twitter: https://twitter.com/therealroseanne   YouTube: https://www.youtube.com/roseanneworld Rumble: https://rumble.com/user/roseannebarrpodcast Merch: https://www.roseannebarr.com/shop ------------------------------------------------ Co-host /Producer: Jake Pentland https://twitter.com/jakezuccproof https://www.instagram.com/jakepentlandzuccproof ------------------------------------------------   Music: "Synthetic World" by Swamp Dogg: https://youtu.be/2_uOB0455VI ------------------------------------------------    

Don and Tom take on one of investors' biggest blind spots: focusing on tiny costs while ignoring the factors that have a far greater impact on long-term wealth. Using a recent Jason Zweig article as a springboard, they explain how taxes can reduce stock market returns far more than the difference between low-cost fund expense ratios. The discussion covers tax-efficient investing, asset location, ETFs versus mutual funds, dividend taxation, capital gains, and why investors should pay more attention to portfolio design than chasing the lowest possible expense ratio. They also dissect a highly tax-inefficient YieldMax fund tied to MicroStrategy and Bitcoin, illustrating how taxes and poor fund structure can devastate returns. Listener questions cover Morningstar's acquisition of CRSP indexes and whether it threatens Vanguard investors, plus whether a retiree working part-time can contribute earned income to a Roth IRA.0:05 Big-picture investing versus obsessing over tiny details0:39 Why fund expense ratios matter less than most investors think2:06 Jason Zweig's research on taxes reducing long-term market returns3:20 How taxes often outweigh fund expense differences4:06 Qualified dividends versus ordinary income taxation5:03 Why investors should pay attention to after-tax returns5:40 YieldMax funds and the hidden cost of tax inefficiency7:19 The dangers of exotic income-focused ETFs7:48 Why ETFs can be more tax-efficient than mutual funds9:15 Tax knowledge as a critical investing skill10:30 Asset location: where stocks and bonds belong11:20 The YieldMax MicroStrategy fund and Bitcoin losses11:58 The truly important parts of financial planning13:15 Listener question from Longmont, Colorado14:17 Morningstar, CRSP indexes, and Vanguard concerns16:00 Why market-cap indexes are unlikely to be manipulated17:16 Morningstar ratings and conflicts of interest discussion17:58 Thoughts on the military-industrial complex19:23 UFL football, soccer, and sports tangents20:47 Listener question about Roth IRA contributions from part-time work21:30 Filing thresholds and earned income requirements for Roth IRAs23:21 Listener questions, voice submissions, and website tools24:08 AI voices and synthetic Don McDonald25:59 Romper Room memories and closing banterQuestions? Comments? Click!

In Episode 351 of The Business Development Podcast, Kelly Kennedy breaks down why so many modern growth strategies are becoming nothing more than noise. From automated emails and LinkedIn DMs to AI-driven outreach tools promising quick wins, Kelly challenges the idea that more activity automatically means more progress. He explains why vanity metrics can be misleading, why downloads in podcasting are similar to meaningless outreach numbers in business development, and why the real metric that matters is creating qualified meetings with the right people.Kelly then brings listeners back to the fundamentals of real business development: authentic human connection, active marketing, and consistency over time. He explains why AI and automation cannot replace trust, relationships, and direct conversations, and shares a practical 10-step action plan to help business developers, entrepreneurs, and leaders cut through the noise, stop wasting money, and create opportunities that actually matter. This episode is a reminder that there is no easy button for growth, but with the right strategy and consistent execution, real opportunity is always possible.Key Takeaways: Activity is not the same as progress. More outreach only matters when it creates real conversations and opportunities.There is no easy button for real growth. Sustainable business development still requires trust, strategy, and effort.Being human is your greatest competitive advantage. In the age of AI, authentic connection is what helps you stand out.Vanity metrics can create false confidence. Big numbers mean very little if they do not lead to meaningful results.Meetings with the right people are the metric that matters. Qualified conversations are what move business forward.Automation cannot replace authentic human connection. Tools can support the process, but people still build trust with people.Active marketing creates real opportunity. Growth happens when you intentionally reach out instead of waiting to be found.Relationships should be built before the customer has a need. Getting ahead of the opportunity gives you a competitive advantage.Consistency over time is your secret weapon. Weekly action compounds into long-term business development success.Real business development is built through trust, strategy, and action. The fundamentals still matter, even in the age of AI.

Curtis answers your questions on a variety of subjects.

1023. Are you worried about the future cost of education for yourself or a child? Laura reviews ten ways a 529 savings plan supercharges education savings and can even be used for young students, non-traditional coursework, and professional career pivots.Key takeawaysContributions to a 529 plan get taxed upfront, but the account growth and withdrawals for qualified expenses are tax-free.States sponsor 529 plans with various benefits and fees; however, you don't have to be a state resident to participate in the plan.There are no income restrictions to contribute to a 529, and owners typically name a child, who is the future student, as the account beneficiary. Qualified 529 expenses include many costs associated with traditional college, but also include trade schools, vocational training, and professional certifications.You can spend up to $20,000 per year on younger students from kindergarten through high school at public, private, or religious schools.Leftover 529 funds can be rolled over into a beneficiary's Roth IRA, with certain restrictions.Upcoming Wedding Series Coming Up: We want your questions about wedding finances! Whether you're the bride, groom, or a guest, send us your questions about budgeting for the big day. Email: money@quickanddirtytips.com or leave a voicemail: (302) 364-0308. Discover more from Money Girl!FacebookNewsletterTranscripts available at QuickandDirtyTips.com.Email: Laura@LauraDAdams.com or leave a voicemail: (302) 364-0308. Hosted on Acast. See acast.com/privacy for more information.