Podcasts about Saving

Defense Attorney GOES OFF About The TRUTH of Black Fatigue Watch this video at- https://youtu.be/qzWidkDmCTQ?si=UdaSeqGMg_LQv2CY Pearl 2.05M subscribers 102,933 views Dec 12, 2025 Go follow Andrew today at ‪@TheBrancaShow Join our memberships at: https://theaudacitynetwork.com/ Divorce Documentary fundraiser: https://www.gofundme.com/f/justpearly...

Are you holding back your real estate growth because you're afraid to let go of control? In this episode of the Real Estate Excellence Podcast, Tracy Hayes sits down with the sharp and candid Sasha Tripp, founder of Story House Real Estate in Central Virginia. Sasha opens up about her journey from independent boutique brokerage owner to partnering with Real and Place to scale her operations without sacrificing her brand. With a strong emphasis on leadership, systems, and strategic partnerships, she shares how she broke through growth plateaus and found new ways to elevate both her agents and her own career. Sasha dives into the biggest roadblocks agents face when scaling: fear of hiring, delegation paralysis, and the unwillingness to systematize. She unpacks why mindset—not just skillset—is often the reason agents plateau. From firing her first assistant nine times (yes, really) to building a scalable machine supported by backend platforms like Place, this episode is a goldmine for any agent who's tired of doing it all solo and ready to make a quantum leap. Feeling stuck in your real estate business? Stop wearing every hat and start thinking like a CEO. Subscribe, leave a review, and share this episode with someone still trying to "do it all." Then ask yourself: Who do I need to hire next to level up?   Highlights: 00:00–06:15 From Boutique to Brand Powerhouse •        Sasha's journey from independent brokerage to Real •        Keeping Story House branding through private label •        Why she chose Real and Place for scale •        Saving money while gaining backend leverage •        Layering national partnerships while staying local 06:16–13:45 Hitting a Plateau and Finding Leverage •        Five years of stagnant growth despite experience •        Why doing more didn't move the needle •        Creating scalable opportunity through Place •        Building an exit plan and long-term value •        Staying relevant in a shifting market 13:46–21:12 The Hiring Mistakes Most Agents Make •        Why most agents fail at hiring help •        Delegating without systems leads to chaos •        Overcoming fear of expense and loss of control •        Creating SOPs and screen recordings for training •        Cost of turnover vs cost of staying stuck 21:13–29:30 From Pantyhose to Property Pro •        Sasha's start in staffing and sudden pivot •        Her eye-opening experience in warehouse HR •        Learning real estate out of curiosity •        Earning trust through education and networking •        The shift from focusing on homes to focusing on people 29:31–42:40 Mentorship Systems and Real Agent Growth •        Why most agents fail in their first year •        How Sasha mentors agents with structure and care •        What new agents should look for in a team •        The real impact of splits versus systems •        The role of video and authenticity in growth 42:41–58:00 Scripts Strategy and Seller Psychology •        Handling lowball offers with logic and empathy •        Sasha's 10-minute listing appointment strategy •        Getting hired by offering a clear roadmap •        How to stand out in a 3-agent interview •        Teaching agents to prep like CEOs 58:01–01:12:30 Market Shifts Buyer Broker Rules and Confidence •        The impact of NAR rule changes on buyers and sellers •        Sasha's approach to buyer broker agreements •        How it improved agent performance and professionalism •        Navigating commission conversations in today's market •        What experienced agents still get wrong 01:12:31–01:18:10 Real Talk Rapid Fire •        What Sasha stopped doing that changed everything •        Building trust through clear systems and boundaries •        Why real estate is now an authenticity economy •        Sasha's biggest leadership lesson •        How agents can prep for success in under 10 minutes   Quotes: "You're just one 'who' away from your next leveling up." – Sasha Tripp "There are no bad hires—only bad employers and bad onboarding." – Sasha Tripp "People want to trust someone. They don't need more info—they need authenticity." – Sasha Tripp "You can't grow by accident, you grow with intention." – Sasha Tripp   To contact Sasha Tripp, learn more about her business, and make her a part of your network, make sure to follow her on her Website, Instagram, and Facebook.   Connect with Sasha Tripp! Website: https://www.sashatripp.com/ Instagram: https://www.instagram.com/sashacharlottesville Facebook: https://www.facebook.com/sashafarmer   Connect with me! Website: toprealtorjacksonville.com   Website: toprealtorstaugustine.com    SUBSCRIBE & LEAVE A 5-STAR REVIEW as we discuss real estate excellence with the best of the best.   #RealEstateExcellence #SashaTripp #RealBroker #PlacePlatform #RealEstateScaling #SoloToCEO #AgentLeverage #BrokerageGrowth #RealEstatePodcast #LeadershipInRealEstate #RealEstateHiring #RealEstateMentorship #SystemsOverStress #AgentBurnout #StoryHouseRealEstate #RealEstateTools #RealtorLife #NAREthics #NewAgentTips #ModernRealEstate

Possibly the longest shownotes in history thanks to Gemini 3 Pro. Bless the swamp from which this AI slop emerged and enjoy the episode. Or just read this, I suppose. The title sucks terribly. Do better, Gemmo! Show Notes with Time‑Shifted Timestamps(All timestamps below have been shifted forward by 25 seconds to allow for theme music, as requested.)00:00 – Welcome, Cricket and the Pink Ball at the Gabba00:00:25 – Jack the Insider (Joel Hill) opens episode 137 of The Two Jacks and notes they're recording just after midday on 4 December.00:00:36 – Quick chat about the looming day–night Test at the Gabba and the prospect it could finish very quickly.00:00:44 – Hong Kong Jack explains why dusk session timings in Hong Kong line up perfectly with “Asahi o'clock”.00:01:07 – The Jacks wonder which pink ball is in use – Duke or Kookaburra – and what that means for Mitchell Starc and the batters.00:01:30 – They flag that full cricket chat will come later in the episode.Tai Po Fire, Mourning and Accountability in Hong Kong00:01:53 – Jack the Insider pivots from sport to tragedy: an update on the Tai Po (Typo) fire in Hong Kong, now with 159 dead, from ages 1 to 97.00:02:07 – Hong Kong Jack describes the government‑ordered three‑day citywide mourning period, mass flower layings, official ceremonies and a three‑minute silence.00:02:35 – Discussion of schools cancelling Christmas parties and staff functions in solidarity; a sense the tragedy is being taken seriously across society.00:02:55 – Hong Kong Jack outlines the judge‑led inquiry: not only into the Tai Po fire's causes, but also systemic issues in building management and renovation contracts on large estates, with hints of corruption.00:03:30 – Evidence emerging that the green construction cloth lacked proper fire retardant and that flammable materials were used to seal lift wells, helping the fire move inside.00:04:23 – Bodies, including one man, found in stairwells and lobbies; Hong Kong Jack cautions against jumping to conclusions before investigators reconstruct the fire.00:04:53 – Arrest tally climbs to around 12, mostly consultants/contractors involved in management and renovations rather than labourers.00:05:35 – Hong Kong Jack notes large numbers of displaced residents in hotels and temporary accommodation and outlines generous government payments to families of foreign domestic workers killed (about HKD 800,000 per family).00:06:05 – A harrowing vignette: a Javanese truck driver receives a final phone call from his wife, trapped with her employers' baby, seeking forgiveness because there is no escape.00:06:35 – The Jacks reflect on the horror of the story and promise to revisit the inquiry as more facts emerge.Australia's Under‑16 Social Media Restrictions & VPNs00:06:50 – Jack the Insider turns to domestic Australian politics: the under‑16 social media restrictions about to kick in.00:07:05 – He notes overwhelming parental support (around 80%) but says the government is now “hosing down expectations” and reframing the policy as a long‑term “cultural change” effort.00:07:30 – Platforms not yet on the restricted list – Roblox and Discord – are flagged as problematic globally for child sexual exploitation, illustrating rollout gaps.00:08:05 – They discuss technical enforcement: existing account age data, length of time on a platform and the likelihood that some adults will be wrongly flagged but quickly reinstated.00:08:35 – Jack the Insider explains the government's theory of cultural change: a generation that grows up never having had TikTok or Instagram under 16 “won't know what they're missing”.00:09:00 – Hong Kong Jack compares Australia to mainland China's efforts to control the internet and points out China still can't stamp out VPN usage, predicting similar Australian difficulties.00:09:25 – Jack the Insider clarifies that VPNs are not illegal in Australia; about 27% of connected Australians already use one, probably now closer to a third.00:09:55 – He strongly recommends everyone use a VPN for privacy and location masking, and warns that good VPNs now explicitly advise not to choose Australia as an exit node because of the new regime.00:11:00 – They note that Malaysia and several European countries (Denmark, Spain, France and EU initiatives) are eyeing similar under‑age social media restrictions, with large fines (Australia's up to about AUD 50 million or 1% of turnover).00:12:20 – Meta is already scanning and booting under‑age users, but teenagers are sharing tips on evading age checks. Jack the Insider describes various age‑verification methods: selfie‑based AI checks, account age, and Roblox's move to ban under‑15s.00:13:45 – Anecdote about Macau security doing ID checks: Hong Kong Jack's son is checked for being over 21, while Jack's own age makes ID unnecessary—an amusing generational moment.00:14:55 – The Jacks agree the policy is unlikely to stop kids having TikTok accounts but might “nudge” behaviour toward less screen time.00:16:00 – Jack the Insider stresses the real dangers of the internet—particularly organised child sexual exploitation rings like the notorious “764” network—and questions whether blunt prohibition can solve these issues.Bruce Lehrmann, Appeals and Costs00:18:22 – They move to the Bruce Lehrmann defamation saga: his appeal has failed and he's likely millions of dollars in debt.00:18:45 – Discussion of the prospect of a High Court appeal, the low likelihood of leave being granted, and the sense that further appeals are “good money after bad”.00:19:22 – Jack the Insider notes outstanding criminal charges against Lehrmann in Toowoomba relating to an alleged statutory rape, and outlines the allegation about removing a condom after earlier consensual sex.00:20:07 – They discuss the probable difficulty of prosecuting that case, and then pivot to the practical question: who is funding Lehrmann's ongoing legal adventures?00:20:35 – Hong Kong Jack explains why some lawyers or firms may take on such cases for profile, despite poor prospects of payment, and they canvass talk of crowdfunding efforts.00:21:07 – The Jacks agree Lehrmann should have left the public stage after the criminal trial was discontinued; now, bankruptcy in 2026 looks likely.00:21:58 – Limited sympathy for Channel 10 or Lisa Wilkinson; more sympathy reserved for Brittany Higgins and Fiona Brown, who are seen as exceptions in an otherwise “pretty ordinary” cast.NACC, Commissioner Brereton and Conflicts of Interest00:23:24 – The Jacks turn to the National Anti‑Corruption Commission (NACC) and Commissioner Paul Brereton's side work for Defence.00:24:03 – Hong Kong Jack recounts Senate Estimates footage where officials first claimed Brereton's Defence consulting work occurred outside NACC hours, then later admitted more than ten instances (possibly close to 20) during NACC office time.00:25:25 – Discussion of conflict‑of‑interest: the Commissioner maintaining a paid Defence relationship while heading the body that may need to investigate Defence.00:25:57 – The Jacks question the tenability of his position, especially given the NACC's opaque nature, its minimal public reporting obligations and a salary around AUD 800k–900k plus expenses.The Struggling Australian and Global Economy, Productivity and ANZ00:26:20 – Jack the Insider outlines Australia's sluggish economy: inflation remains sticky, GDP growth is flat, and government spending is driving much of the growth.00:27:00 – They discuss a small, tentative rise in productivity (around 0.2% for the quarter) and the Treasurer's caution that productivity figures are volatile.00:27:57 – Hong Kong Jack stresses that historically, economies escape malaise through productivity‑driven growth; there is no easy alternative, in Australia or globally.00:28:23 – Broader global picture: the US isn't in outright recession but is crawling; Europe is sluggish; Poland is a rare bright spot but rapid growth brings its own risks.ANZ and Post‑Royal Commission Failures00:28:54 – Focus shifts to ANZ's continuing governance and compliance failures after the Banking Royal Commission.00:29:30 – Jack the Insider shares a personal story about dealing with ANZ's deceased estates department following his mother and stepfather's deaths and the difficulty in releasing funds to pay for funerals.00:30:20 – Justice Jonathan Beach's scathing remarks: ANZ is still mishandling deceased estates, charging fees and interest to dead customers, despite years of warnings.00:31:34 – They recall Royal Commission revelations about “fees for no service” and charging the dead, plus ANZ's recent exclusion from certain Commonwealth bond business due to rorting.00:32:12 – The Jacks see this as a clear culture problem: five years on, the basics still aren't fixed, suggesting inadequate investment in compliance and little genuine reform.UK Justice Backlog and Curtailing Jury Trials00:33:05 – The conversation moves to the UK's proposal to restrict jury trials for offences likely to attract less than a two‑year sentence.00:33:35 – Hong Kong Jack notes the English historical attachment to jury trials dating back to Magna Carta, and that defendants have long had the right to opt for a jury if imprisonment is possible.00:34:38 – Justice Minister David Lammy, once a fierce critic of similar Tory proposals, is now advancing the idea himself, creating a political shambles.00:35:02 – They weigh up pros and cons of judge‑only trials for complex financial crimes, where juries may struggle to follow long, technical evidence.00:36:10 – Jack the Insider points out that even judges can find such cases difficult, but there is at least some expertise advantage.00:36:22 – They revisit the Southport riots and harsh sentences for people inciting attacks on hotels housing asylum seekers, arguing that common‑sense community judgment via juries may be better in such politically charged cases.00:37:26 – Ultimately, they doubt the reforms will meaningfully reduce the UK's huge court backlog and see it as another noisy but ineffective response.Ethics in Politics, Misleading Voters and the “Ethics Czar” Problem00:39:21 – Discussion moves to the UK budget, alleged “black holes” and whether the Chancellor misled voters about a AUD 22 billion‑equivalent gap.00:40:14 – They examine calls for the Prime Minister's ethics adviser, Sir Laurie Magnus, to rule on ministerial truthfulness, and Hong Kong Jack's discomfort with handing moral judgment to “anointed officials”.00:40:51 – The Jacks argue accountability should rest with Parliament and ultimately voters, not appointed ethics czars, whether in the Johnson era or now.00:41:36 – In Australia, Tony Burke's handling of “ISIS brides” returning to Australia is cited: he asked officials to leave a meeting so he could talk politically with constituents. The Jacks see this as legitimate hard‑headed politics in a very complex area rather than an ethical scandal.00:43:03 – Jack the Insider defends the principle that Australian citizenship must mean something, especially for children of ISIS‑linked families; stripping citizenship or abandoning citizens overseas can be a dangerous precedent.00:44:08 – Anecdotes segue into a broader reflection: politicians have always misled voters to some extent. They quote stories about Huey Long and Graham Richardson's defence of political lying.00:45:24 – They swap observations about “tells” when leaders like Malcolm Turnbull or Julia Gillard were lying; Scott Morrison, they say, had no visible tell at all.00:46:22 – Cabinet solidarity is framed as institutionally sanctioned lying: ministers must publicly back decisions they privately opposed, and yet the system requires that to function.Ukraine War, Peace Efforts and Putin's Rhetoric00:46:42 – The Jacks discuss reports of draft peace deals between Ukraine, the US and Russia that Moscow rejected over wording and guarantees.00:47:17 – Jack the Insider describes a gaunt Foreign Ministry spokesman, not Sergey Lavrov, delivering Russia's objections, sparking rumours about Lavrov's status.00:47:56 – Putin goes on TV to reassure Russians they're winning, threatens destruction of Europe if conflict escalates and claims territorial gains Russia doesn't actually hold.00:48:17 – Hong Kong Jack argues European fantasies of imposing a “strategic defeat” on Russia are unrealistic; retaking all occupied regions and Crimea would exact unbearable costs in lives and money.00:49:33 – The Jacks infer that Putin will eventually need to “sell” a negotiated deal as a victory to his own public; his current bluster is partly domestic theatre.00:49:50 – They note some odd, Trump‑like US talk of structuring peace as a “business deal” with economic incentives for Russia, which they find an odd fit for a brutal territorial war.Trump's Polling Collapse, Economic Credibility and 202600:50:13 – Attention turns to Donald Trump's polling in his second term: his net approval is negative across all major polls, in some cases approaching minus 20.00:51:04 – Jack the Insider highlights Trump's recent promises of USD 2,000 cheques to every American plus no income tax—claims they see as fantastical and electorally risky when voters inevitably ask “where's my money?”.00:51:39 – They compare Trump's denial of inflation and cost‑of‑living pressures to Biden's earlier mistakes in minimising pain; telling people “everything's cheaper now” when their lived experience contradicts that is politically fatal.00:52:34 – Hong Kong Jack notes history shows that insisting things are fine when voters know they aren't only accelerates your polling collapse.00:53:02 – They briefly touch on a special election in Tennessee: a safe Trump district where the Republican margin has shrunk. They caution against over‑reading the result but note softening support.00:54:14 – CNN's Harry Enten is quoted: this has been Trump's worst ten‑day polling run of the second term, with net approval among independents plunging to about minus 43 and a negative 34 on inflation.00:55:15 – They speculate about what this means for the 2026 midterms: Trump won't be on the ballot but will loom large. A future Republican president, they note, might still face governing without a Congressional majority.Disability, Elite Colleges and the Accommodation Arms Race00:56:07 – The Jacks discuss Derek Thompson's forthcoming Atlantic piece on surging disability registrations at elite US colleges: more than 20% at Brown and Harvard, 34% at Amherst and 38% at Stanford.00:57:10 – Hong Kong Jack explains how disability status yields exam and assessment advantages: extra time, flexible deadlines, better housing, etc., and why wealthy students are more likely to secure diagnoses.00:57:48 – They cite intake breakdowns at one college: small numbers for visual/hearing disabilities, larger numbers for autism, neurological conditions and especially psychological or emotional disabilities—suggesting a big shift in what counts as disabling.00:58:45 – Jack the Insider counters that many of these conditions were under‑diagnosed or ignored in the 1970s and 80s; growing recognition doesn't automatically mean fraud.00:59:40 – He brings in chronic conditions like ME/CFS: historically treated as malingering or “all in the head”, now increasingly accepted as serious and often disabling.01:00:02 – Hong Kong Jack quotes a Stanford professor asking, “At what point can we say no? 50%? 60%?”—underlining institutional concern that the system can't cope if a majority claim accommodations.01:01:05 – They wrestle with the employer's problem: how to interpret grades achieved with significant accommodations, and whether workplaces must also provide similar allowances.01:02:21 – Jack the Insider's answer is essentially yes: good employers should accommodate genuine disability, and it's on applicants to be upfront. He stresses diversity of ability and that many high‑achieving disabled people are valuable hires.01:03:40 – Hong Kong Jack remains more sceptical, shaped by long legal experience of people gaming systems, but agrees lawyers shouldn't be the priestly class defining morality.Cricket: India–South Africa, NZ–West Indies, BBL and the Gabba01:04:25 – They pivot back to sport: a successful South African tour of India, including a series win in Tests and a 1–1 one‑day series with big hundreds from Virat Kohli, Gaikwad and Aiden Markram.01:05:31 – Quick update on New Zealand's Test against the West Indies in Christchurch, with New Zealand rebuilding in their second innings through Ravindra and Latham.Women's Cricket and Phoebe Litchfield01:06:19 – Jack the Insider raves about the Sydney Thunder v Brisbane Heat game and singles out Phoebe Litchfield as the best women's batter in the world: technically sound, not a slogger, scoring “runs for fun” and hailing from Orange.Gabba Day–Night Test: Australia v England01:06:50 – With Usman Khawaja out, they discuss the unchanged 12 and whether Bo Webster plays, potentially pushing Travis Head up to open.01:07:39 – For England, Mark Wood hasn't recovered; they bring in Will Jacks, a batting all‑rounder and part‑time spinner, to bolster the order but lose their fastest bowler.01:08:11 – If you win the toss? Bat first, they say—if the conditions allow—and look to control the game with the bat for four hours or more.01:08:44 – They caution that with recent heavy Queensland rain, the pitch could be juicy whether you bat first or second; the key is getting cricket on Saturday.01:08:48 – Hong Kong Jack rates this as the best England attack to tour Australia in a long time, especially with Wood and Archer firing in Perth, although Archer's pace dropped markedly in the second innings.01:09:36 – They dissect England's first‑Test collapse: at one stage it was an “unlosable” match according to Ponting and the stats, but reckless strokes from set batters (Duckett, Pope, Root, Brook) handed it back to Australia.01:09:55 – Mitchell Starc's extraordinary home day–night record—averaging around 17 with the pink ball—looms as a big factor.Franchise Cricket, Empty Stadiums and Saving the Red‑Ball Game01:12:11 – Jack the Insider describes watching the ILT20 in the UAE: near‑empty stands, disengaged fielders and an overall “soulless” spectacle aimed solely at TV viewers in South Asia and the Gulf.01:13:49 – Despite his love of cricket, he worries this is a glimpse of the future if the longer formats aren't protected and nurtured. He pleads, in effect, for saving Test and other red‑ball cricket from being cannibalised by anonymous franchise leagues.Class and Cricket: Private Schools, Clubs and Stuart Broad01:14:11 – The Jacks explore the class divide in English cricket: all but one of England's Perth XI finished school at private schools; the sole exception is captain Ben Stokes, who grew up partly in New Zealand.01:15:05 – In contrast, Australia's pathway still runs largely through club cricket, though private schools with professional coaching (like Cranbrook) give some players a head start.01:15:47 – Jack the Insider notes Sam Conscientious (Sam Constance / Cummins reference is implied) spending two years at Cranbrook, reflecting how elite schools build academies with ex‑first‑class coaches that state systems can't match.01:16:20 – They agree state‑school kids like the Waugh twins still come through club cricket, but in England, some top private schools effectively operate as de facto county academies.01:17:31 – Anecdotes about Stuart Broad: a likeable “nepo baby” of former England player Chris Broad, who was toughened up by a formative season at Hoppers Crossing in Melbourne sub‑district cricket. Local players loved him.01:18:20 – Hong Kong Jack recommends Broad's appearance on The Front Bar as essential viewing for understanding his character and the cultural contrasts between English and Australian cricket.01:18:40 – More class culture: Chris Cowdrey, briefly England captain, shows up in full whites and blazer to toss with Viv Richards in surf shorts and thongs. When Cowdrey starts reading out England's XI, Viv cuts him off: “Mate, I don't care who you play, it's not going to make any difference.”F1, Oscar Piastri's Bad Luck and AFLW Glory01:21:11 – Brief detour to Formula 1: Oscar Piastri's season with McLaren seems dogged by terrible luck and questionable team decisions that have cost him a near‑certain championship.01:21:57 – Jack the Insider reflects on how F1 drivers like Piastri have effectively been in vehicles since toddlerhood, climbing the ladder from go‑karts to supercars.01:22:50 – They express hope he can clinch the title in the final race, but wryly note that F1 rarely grants fairytale endings.AFLW01:22:23 – AFLW: North Melbourne complete an undefeated season to win the premiership, comfortably beating Brisbane in the grand final.01:23:07 – Hong Kong Jack praises it as the best AFLW season yet, with marked improvement in depth and skill across the competition. North remain the benchmark everyone else must chase.Wrap‑Up, Tom Stoppard Anecdote and Season Timing01:23:49 – The Jacks look ahead to watching the Gabba Test, beers on ice for Jack the Insider and the late Hong Kong dusk session for Hong Kong Jack.01:24:01 – They note the death of playwright Tom Stoppard at 88 and share a favourite story: Spielberg offers him the Jaws screenplay; Stoppard declines because he's writing a play—“actually for BBC Radio”.01:25:11 – Final reflections on how Stoppard would have improved Jaws, then a note that the podcast will soon reach its final episodes for the year, with plans to feature listener feedback before a short summer break.01:25:56 – Jack the Insider signs off, thanking listeners and Hong Kong Jack, and promises they'll be back next week.

How far are you willing to go to save money?  We asked our Clarkies to share their best tips and you sure represented! Today we share our  Clark Daily Newsletter survey results on the topic of frugality. Also - is home ownership still the American dream? It's complicated. Clark discusses the decision factors involved in the largest purchase we ever make. How do you build wealth and where does a home fit into it? Frugality Hacks: Segment 1 Ask Clark: Segment 2 Weighing Homeownership: Segment 3 Ask Clark: Segment 4 Mentioned on the show: WSJ: The Lengths Americans Are Willing to Go to Make Every Penny Count Clark Daily Newsletter survey results Why You Should Re-Shop Your Cruise Booking a Cruise? Here Are 5 Ways To Do It for Less Is Chase Sapphire Reserve® Worth It? The median age of a first-time homebuyer in America just hit 40 years old 7 Ways To Invest In Real Estate Clark Deals   /   Clark's Christmas Kids Clark.com resources: Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, Roger Whitney walks listeners through the complexities of inherited IRAs, highlighting the impact of the SECURE Act of 2019 and clarifying the distinctions between eligible and non-eligible designated beneficiaries. He explains how these classifications affect withdrawals and tax planning, making the rules easy to understand. Roger also answers listener questions on topics like retirement team selection and funding health insurance with HSA accounts. Beyond the numbers, he shares practical strategies for creating more meaningful holiday conversations, drawing on real-life examples to show how curiosity and intentionality can help you connect more deeply with the people you care about.OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN(00:00) This show is dedicated to helping you rock retirement.(00:30) In today's episode, Roger Whitney covers the rules around inherited IRAs, explores ways to foster deeper and more meaningful conversations during the holidays and beyond, and answers listener questions.RETIREMENT TOOLKIT(01:00) Today ​in ​the ​Retirement ​Toolkit ​we're ​going ​to ​talk ​about ​the ​rules ​around ​inherited ​IRAs.(02:40) Differences between eligible and non-eligible designated beneficiaries for inherited IRAs are explained.(14:32) Roger talks about ROTH IRAs and how they work.RETIREMENT LIFE LAB(16:04) Roger explains how approaching conversations with curiosity and intentionality, especially with older family members or those with different interests, can create more meaningful and enriching interactions.LISTENER QUESTIONS(25:37) Ira asks what to ask a financial advisor's team to understand their retirement planning services and team longevity.(37:02) Mary Jane asks if she can use Health Savings Account funds tax-free to pay for private health insurance premiums before Medicare eligibility.SMART SPRINT(38:42) In the next week, approach holiday or New Year's gatherings with curiosity by asking questions and engaging with people you don't see often to create more meaningful interactions.REFERENCESSubmit a Question for RogerSign up for The NoodleThe Retirement Answer Man

This episode breaks down the four biggest tax deductions that help rental property owners save real money fast. You'll learn how depreciation, repairs, mortgage interest, and a home office can create major tax savings and boost your cash flow. We walk through simple tax strategies that many CPAs skip, and you'll understand how these deductions support wealth planning and smart money decisions. If you want clear finance advice, tax tips you can actually use, and a better way to grow your real estate profits, this episode will help you see what's possible. These tax savings can help you keep more cash, buy more properties, and build long-term wealth. Listen now so you don't miss deductions that could save you thousands this year.   Next Steps:

Entomologist Douglas Tallamy discusses what we can do to stem the extinction crisis — the loss of habitat and plant and animal species — by transforming the places where we live. The post Fund Drive Special: Saving and Restoring Nature in Our Gardens appeared first on KPFA.

During the brief time it was open, the Turtle building in Niagara Falls, N.Y. served as the Native American Center for the Living Arts. It was designed by Northern Arapaho architect Dennis Sun Rhodes. Now it stands vacant and is in the way of a proposal for a high-rise hotel. It is on the most recent list of Most Endangered Places by the National Trust for Historic Preservation. Another place on the list is the Pamunkey Indian Reservation. Tribal leaders say their land will be underwater within the next 65 years. We'll hear about some of the threatened historic places and the efforts to save them. GUESTS Chief Kevin Brown (Pamunkey) Shaun Wilson (Mohawk), president of the board of directors for the Friends of the Niagara Turtle Emma Wilson (Mohawk), student and social media manager for the Friends of the Niagara Turtle Charles Vaughn (Hualapai), council member and former chairman of the Hualapai Tribe Break 1 Music: Stomp Dance (song) George Hunter (artist) Haven (album) Break 2 Music: Hug Room (song) Chuck Copenace (artist) Oshki Manitou (album)

“How to Save the Human Family through Awakening, Unity & Peace” with Chief Phil Lane, Jr. — Chief Phil Lane, Jr. is a hereditary leader of the Yankton Dakota and Chickasaw Nations and founder of Four Worlds International Institute. For over 50 years, he has united Indigenous peoples globally through spiritual leadership, education, and advocacy for human rights and sustainable development.

The Arctic continues to warm faster than other parts of the world — and is experiencing record high temperatures and record low levels of sea ice. That’s according to the National Oceanic and Atmospheric Administration (NOAA), which released its annual report card for the region Tuesday. As The Alaska Desk's Alena Naiden from our flagship station KNBA reports, those findings directly affect Alaska Indigenous communities. The Arctic Report Card has been documenting changes in snow and sea ice cover, as well as air and ocean temperatures in the northern part of the globe for the past 20 years. It has shown that, in that time, the Arctic's annual temperature has increased at more than double the global rate of temperature changes. Hannah-Marie Ladd is the director of Indigenous Sentinels Network. “These changes cascade directly into people’s lives, affecting fisheries, coastal safety, and subsistence harvests. We are no longer just documenting warming. We are witnessing an entire marine ecosystem, which is tied to our economies and culture, transform within a single generation.” The report highlights an emerging phenomenon called rusting rivers. That's when permafrost thaw causes ground water to seep deeper and interact with mineral deposits, which likely turns some streams and rivers to a rusty orange color. Abigail Pruitt says that, in Alaska, over 200 streams turned orange in recent years. “Within Kobuk Valley National Park, we observed the complete loss of juvenile Dolly Varden and Slimy Sculpin, in a tributary to the Akillik river when it turned orange. Beyond the effects on fish, rusting rivers may impact drinking water supplies to rural communities as well.” The report highlights how Indigenous communities have been observing the changes in their environments and wildlife and collaborating with scientists to better understand those changes. Ladd describes one example of such work. She says that St. Paul residents collect samples of harvested traditional foods like seabirds, marine mammals, and halibut. Those samples are tested in a tribally owned lab and analyzed for contaminants like mercury. “Indigenous leadership, local workforce development, and community driven observing are not optional. They’re essential to understanding the Arctic that we have today and preparing for the Arctic we are moving into.” In response to a question about how federal cuts to climate science might affect the future of the Arctic Report Card, NOAA officials said that they will continue their efforts to observe the changing environment. Two tribal communities in New Mexico will be receiving $200,000 in state grants for high-speed internet development. KUNM's Jeanette DeDios (Jicarilla Apache and Diné) has more. Santa Clara Pueblo and the Fort Sill Apache tribe will each receive a planning grant of $100,000 through the New Mexico Grant Writing, Engineering, and Planning Program.  In a release, the state's Broadband Policy and Programs Bureau Chief, Andrew Wilder, said the funding will help start important projects in tribal regions that lack high-speed internet. Santa Clara will use its grant to build fiber lines connecting homes and provide Wi-Fi service. Fort Sill plans to create a high-speed broadband network connecting unserved homes. The tribe has already secured $500,000 in infrastructure funding for fiber, equipment, and trenching.  The state's office of broadband has already issued 36 awards totalling $3.5 million to 17 tribal communities, 15 local governments, and four rural electric and telephone businesses. The broadband office stated that $1.5 million are still available in planning grants. The awards are assistance-based, not merit-based, so entities do not compete for funding. No matching funds are required. Get National Native News delivered to your inbox daily. Sign up for our daily newsletter today. Download our NV1 Android or iOs App for breaking news alerts. Check out the latest episode of Native America Calling Wednesday, December 17, 2025 – Saving historic architecture and other important places

In this insightful episode of Meltdown to Mastery, we're tackling the often-challenging topic of relationship meltdowns with expert Brian Power. Have you ever felt unheard, abandoned, or misunderstood in your relationships? You're not alone. Brian invites us to explore how many of these feelings may stem from our own beliefs and past traumas.Join us as Brian shares his transformative insights on understanding triggers and his six pillars for fostering healthy relationships. Through his “Integrated Attachment Theory Program,” he teaches us that our greatest failures can lead to profound growth and success in our connections with others.Key Topics Covered:The impact of past trauma on current relationshipsHow to identify and understand personal triggersThe six pillars of effective relationships and marriagesStrategies for shifting mindset to foster healthier interactionsThe potential for growth through relationship challengesTakeaways:Listeners will discover valuable techniques for transforming relationship meltdowns into opportunities for deeper understanding and connection. Brian's expertise provides a fresh perspective on navigating the complexities of love and partnership.Tune in and learn how to embark on a path from meltdown to mastery in your relationships!Meltdown to Mastery is a journey into discovering the parts of our subconscious mind. The place that holds our core beliefs, often learned from childhood, and can be responsible for reactions that  lead to meltdowns, crises, or feelings of midlife crisis. They  may also hold us back from true mastery where we effortlessly know how to manifest success, health, flow and abundance in our lives. Each episode holds key information to true life mastery. Mastery is a place where we learn Universal Law, mindfulness and  listen to  our own inner guidance, a place where health, and true manifestation flourish. This link goes to most places Meltdown to Mastery is published, if you would like to engage from another platform.⁠ ⁠⁠⁠https://podcasters.spotify.com/pod/show/jayne-marquis⁠⁠⁠⁠This podcast is for information purposes only and represents the views and opinions of the speakers. The information presented is not meant to diagnose, treat, cure, or prevent disease. We recommend you seek the advice of a licensed healthcare practitioner before beginning any natural, complimentary, or conventional treatment.To find more with Brian Power - https://www.myrelationshipfail.com/https://www.linkedin.com/in/bryanwpower/https://www.youtube.com/@myrelationshipfailhttps://www.instagram.com/myrelationshipfail/

Join travel advisors Ryan and Julie on All Things Travel as Ryan shares an in-depth review of his honeymoon at Hyatt Zilara Cap Cana in the Dominican Republic. After Hurricane Melissa forced a last-minute change from Jamaica, Ryan and his wife Jasmine discovered this stunning adults-only all-inclusive resort turned out to be the perfect destination.Planning & Arrival:Dominican Republic entry requirements including the e-ticket processTransfer experience with Amstar and 15-minute drive from Punta Cana airportFirst impressions of the modern, open-air resort with ocean viewsClub Level Benefits:Exclusive breakfast and lunch restaurants with sit-down servicePrivate club pool with enhanced amenitiesPersonal concierge service (Larissa) for reservations and requestsResort Experience:Swim-up room review and honeymoon amenitiesDaily cabana rental at the club pool - the ultimate pampering experienceBeautiful beach conditions and water sports including sailing on a Hobie CatResort layout that "eats people up" so it never feels crowdedDining:Traditional Dominican breakfast and diverse lunch optionsRestaurant reviews across both Zilara (adults-only) and Ziva (family) sidesNo reservations needed - first come, first served systemActivities & Entertainment:Daily schedule from breakfast through evening showsFitness classes, aqua cycling, and water sportsAfternoon tastings: cocktails, rum, coffee, and cigarsWine and painting, silent disco, and nightly theater performancesMichael Jackson and Queen tribute shows, circus acts, and magic showsWhy it felt like "adult all-inclusive camp" in the best wayMulti-Generational Travel:How the connected Zilara/Ziva properties work perfectly for familiesEasy access between adults-only and family sidesShared beach and pool spaces on the family sideWhether you're planning a honeymoon, romantic getaway, or multi-generational trip to the Dominican Republic, this episode provides honest insights into the Hyatt Zilara Cap Cana experience, club level benefits, and tips for maximizing your all-inclusive vacation.Keywords: Hyatt Zilara Cap Cana, Dominican Republic honeymoon, all-inclusive resort review, Punta Cana resorts, adults-only vacation, club level benefits, Hyatt Ziva Cap Cana, Caribbean travel, honeymoon planningSupport the showLove the podcast? Help us continue to create great travel content by supporting the show. You can do that here: https://www.buzzsprout.com/1197029/supporters/new Ready to plan your vacation? Most families are confused and overwhelmed when planning a vacation. We work with you to plan a trip perfect for your family. Saving you time, money, and stress! Visit our website www.allthingstravelpodcast.com and click on "Plan Your Next Vacation" Join the travel conversations and the fun in our Facebook Page and Instagram Page! Please share the show with your travel buddies!! Click this link and share the show! Never miss an episode and help us take you to the top with us by following and leaving a 5-Star review on your favorite podcasting app!

Episode 405 - That's a Wrap!In today's episode of PS This Is Awesome!, Fred and Jake dive headfirst into everything revealed at The Game Awards 2025, with the spotlight firmly on the announcements rather than just the winners. From massive new reveals to unexpected surprises, they break down what actually matters for PlayStation fans and which games left the biggest impression. The conversation also briefly touches on the major award winners to give context, but the real focus is on what's coming next for PS5.Fred shares impressions from his time with Silent Hill 2, discussing its atmosphere, pacing, and why it still hits so hard, while Jake brings his usual perspective on this beloved game and how new announcements stack up against what's already on the horizon. Jake also tried the Pragmata Demo The guys also work through listener feedback, responding to thoughts, questions. Saving the best for last, the guys go over their 2025 PlayStation Wrap!It's a packed episode full of reactions, speculation, and PlayStation passion, blending industry-wide hype with personal playtime and community voices. If you want a clear, thoughtful breakdown of The Game Awards through a PlayStation-first lens, this one's for you.By joining our Patreon community for ONLY $1.00 per month, you'll enjoy exclusive benefits:Early AccessPersonalized ShoutoutCustom Die-Cut Vinyl StickerVisit www.patreon.com/psthisisawesome to support the show and help us continue producing the content you love!Please, if you enjoyed the content or even if you didn't quite enjoy this one, come back — we try to offer something for everybody. Share with your friends and help us grow our awesome PlayStation community!As always you can support our show at our Patreon Page. Thanks for listening.http://www.patreon.com/psthisisawesome Hosted on Acast. See acast.com/privacy for more information.

This podcast is powered by Klean Freaks University.com — where real cleaners build real empires. From mop buckets to million-dollar systems, we teach you how to clean smarter, lead stronger, and scale faster. Support the showThanks for tuning in to Cleaning Business Life, the show where we pull back the curtain on what it really takes to start, grow, and scale a thriving cleaning business without burning out. Every episode is packed with tips, stories, and strategies you can put to work right away—because you deserve a business that works for you, not the other way around. If you enjoyed today's episode, make sure to follow the podcast so you never miss a new release. And if you got value from this conversation, share it with another cleaning business owner who could use the encouragement and practical advice. Let's stay connected! You can find me online at:

NL: SideQuest - Saving Santos - Pt3 Accessing the VoltFT. @⁠⁠Retrodatv⁠⁠ as Retro, @⁠⁠LemartheConGuy⁠⁠⁠⁠ as Devon and @⁠⁠⁠⁠AprylAnonymous⁠⁠ as Apryl⁠⁠ With Paris Arrowsmith @⁠⁠⁠⁠Binary_Dragon⁠⁠⁠⁠ as GM.With the interview gone south and the Mimik's subdued, every tried their best not to lose their head. They've gotta get Nick Santos' guitar and free him from his own safe room. Hopefully before this scorned lover finds him. Before they leave they've gotta head down to the vault. Down in the basement, it gets electric.Can the crew avoid security?What will they pilfer from Nick Santos?Can retro imitate anyone?Only the dice will tell.Huge thank you to our guests for collaborating with us for this Sidequest. Episodes continue for 5 weeks for all of December and we're so excited to work with them. Find their links above.More info can be found here: ⁠⁠⁠⁠⁠linktr.ee/NoLatency⁠⁠⁠⁠⁠Even more information and MERCH is on our website!⁠⁠⁠⁠⁠www.nolatencypodcast.com⁠⁠⁠⁠⁠Instagram: ⁠⁠⁠⁠⁠nolatencypod⁠⁠⁠⁠⁠Follow ⁠@magiRPG⁠ and ⁠@Binary_Dragon⁠ on twitch, for live D&D and more.#cyberpunkred #actualplay #ttrpg #radioplay #scifi #mimic

Episode 5001: Saving The Country And Keeping The Christian West

The World Health Organisation recommends all pregnant women should have at least one ultrasound before six months. However, only half of women do in sub-Saharan Africa. This week we visit Kenya to see how portable ultrasound devices are flagging up any issues early. And how AI could overcome the barrier of not having enough trained midwives on the ground.People Fixing The World from the BBC is about brilliant solutions to the world's problems. We release a new edition every Tuesday. We'd love you to let us know what you think and to hear about your own solutions. You can contact us on WhatsApp by messaging +44 8000 321721 or email peoplefixingtheworld@bbc.co.uk. And please leave us a review on your chosen podcast provider.Presenter: Myra Anubi Producers: Calvin Manika, Claire Bates Editor: Jon Bithrey Sound mix: Andrew Mills(Image: A midwife gives a pregnant woman an ultrasound scan, BBC/Davis Ojiambo)

Adam Oppenheim joins Stephanie and Angela to talk about his film Saving Superman, Indianapolis and defying expectations. Adam is a Cinematographer who works in documentary and also commercial spaces. To find out more about Adam and see examples of his work, visit his website.Original Music by: Yah Supreme (Yahya Jeffries-El)

Send us a textAchieving Millionaire Status Through Smart Retirement SavingsIn this episode of the Retire Early Retire Now podcast, host Hunter Kelly sheds light on the reality and feasibility of saving a million dollars solely through retirement accounts like 401(k)s and IRAs. He introduces his Palm Valley Pathway, a step-by-step framework designed to help high-income earners build wealth and achieve financial independence. The episode delves into the statistical rarity of million-dollar retirement savings, the importance of consistency, combating lifestyle creep, setting realistic financial goals, and the significance of having a structured plan. Hunter also provides actionable scenarios and tips on how to optimize and automate savings to reach financial milestones efficiently.00:00 Welcome to the Retire Early Retire Now Podcast01:03 The Reality of Becoming a Millionaire03:51 Breaking Down the Math of Saving a Million Dollars06:04 Common Pitfalls and How to Avoid Them11:05 The Palm Valley Pathway to Financial Success20:14 Taking Action and Staying Consistent23:15 Final Thoughts and EncouragementCheck out the Palm Valley Wealth Management WebsitePalmValleywm.comCheck us out on InstagramLinkedIn FacebookListen to the Podcast Here! AppleSpotify

As 2025 comes to a close, many federal employees are asking the same question: "What should I be doing now to prepare for retirement?" In this episode of the Plan Your Federal Retirement Podcast, Micah Shilanski is joined by Floyd Shilanski for a year-end review covering the most important planning areas for federal employees heading into 2026. They discuss why being proactive matters more than ever, how cash flow drives retirement success, what recent tax changes mean for your plan, and why every federal employee needs a clear exit strategy, even if retirement isn't immediate. This episode is packed with practical insights to help you move into the next year with confidence and clarity. https://zurl.co/uJKti

Mark 4:35–41; Mark 5:1–2035 That day when evening came, he said to his disciples, “Let us go over to the other side.” 36 Leaving the crowd behind, they took him along, just as he was, in the boat. There were also other boats with him. 37 A furious squall came up, and the waves broke over the boat, so that it was nearly swamped. 38 Jesus was in the stern, sleeping on a cushion. The disciples woke him and said to him, “Teacher, don't you care if we drown?” 39 He got up, rebuked the wind and said to the waves, “Quiet! Be still!” Then the wind died down and it was completely calm. 40 He said to his disciples, “Why are you so afraid? Do you still have no faith?” 41 They were terrified and asked each other, “Who is this? Even the wind and the waves obey him!” 5 They went across the lake to the region of the Gerasenes. 2 When Jesus got out of the boat, a man with an impure spirit came from the tombs to meet him. 3 This man lived in the tombs, and no one could bind him anymore, not even with a chain. 4 For he had often been chained hand and foot, but he tore the chains apart and broke the irons on his feet. No one was strong enough to subdue him. 5 Night and day among the tombs and in the hills he would cry out and cut himself with stones. 6 When he saw Jesus from a distance, he ran and fell on his knees in front of him. 7 He shouted at the top of his voice, “What do you want with me, Jesus, Son of the Most High God? In God's name don't torture me!” 8 For Jesus had said to him, “Come out of this man, you impure spirit!” 9 Then Jesus asked him, “What is your name?” “My name is Legion,” he replied, “for we are many.” 10 And he begged Jesus again and again not to send them out of the area. 11 A large herd of pigs was feeding on the nearby hillside. 12 The demons begged Jesus, “Send us among the pigs; allow us to go into them.” 13 He gave them permission, and the impure spirits came out and went into the pigs. The herd, about two thousand in number, rushed down the steep bank into the lake and were drowned. 14 Those tending the pigs ran off and reported this in the town and countryside, and the people went out to see what had happened. 15 When they came to Jesus, they saw the man who had been possessed by the legion of demons, sitting there, dressed and in his right mind; and they were afraid. 16 Those who had seen it told the people what had happened to the demon-possessed man—and told about the pigs as well. 17 Then the people began to plead with Jesus to leave their region. 18 As Jesus was getting into the boat, the man who had been demon-possessed begged to go with him. 19 Jesus did not let him, but said, “Go home to your own people and tell them how much the Lord has done for you, and how he has had mercy on you.” 20 So the man went away and began to tell in the Decapolis how much Jesus had done for him. And all the people were amazed. INTRODUCTION: A "JESUS" Series JESUS HAS POWER OVER NATURE (Mark 4:35–41)JESUS HAS POWER OVER DARKNESS (Mark 5:1–20) JESUS HAS THE POWER TO REDEEM AND SEND (Mark 5:18–20) Conclusion

Saving Coral Reefs: Why These Animals Matter More Than We Think Coral reefs are home to 25 percent of all marine life – approximately 800,000 species. But these vibrant, colorful landscapes are more than just a home for aquatic life. Coral reefs are animals themselves. Two ocean experts join us to share some interesting facts about these unique creatures and why people should care about their declining existence. Libraries On The Line: How Funding Cuts Are Affecting Local Libraries There are more than 125,000 library branches across the country. For many smaller, rural towns, these locations aren't just a place to get books but are a lifeline for countless other resources. Following an executive order that would reduce funding – which has since been overturned – libraries need support now more than ever. Our experts explain how these funds are used to enhance local communities and civil participation.  Viewpoints Explained: Everything You Never Knew About Mount Rushmore Mount Rushmore is a national staple, but do you know how these iconic faces came to be forever memorialized in granite? We dive into the 14-year project – from early concepts to the symbolism represented in the finished product.  Culture Crash: Train Dreams Is Netflix's Newest Cinematic Masterpiece The 2025 drama brings stunning videography and emotional storytelling to streaming giant, Netflix. We review what you'll love about this film and why Netflix may not be the best option for the optimal viewing experience.  Learn more about your ad choices. Visit megaphone.fm/adchoices

How an Industry Insider Built a Recruiting Agency From Scratch (No Fancy Tools)

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Let's talk about Trump, the US saving Europe, and a shift....

Osher reflects on a time when simply hearing Tony Abbot's voice sent waves of resentment through his body. But this week, something strange happened, and that's no longer the case. Watch full stories recorded live at Story Club Get tickets for our next Story Club show Get Osher's new book "So What? Now What?" here Send a pic of what you're looking at to sendosheremail@gmail.com See omnystudio.com/listener for privacy information.

Coral reefs are home to 25 percent of all marine life – approximately 800,000 species. But these vibrant, colorful landscapes are more than just a home for aquatic life. Coral reefs are animals themselves. Two ocean experts join us to share some interesting facts about these unique creatures and why people should care about their declining existence. Learn more about your ad choices. Visit megaphone.fm/adchoices

The Fed cut rates but signaled it's ready to hit pause for a while. In our Week in Review, Dave Spano and Brian Jacobsen break down why their upbeat tone on productivity could make their job easier, what the board's mindset might be, and why market expectations for 2026 cuts are already taking shape. Plus, we discuss the confusion around balance sheet tweaks—spoiler: it's not QE, just a move to keep year-end funding calm. Also, segments on navigating financial conversations with family, and why 2026 might be a pivotal year for estate plans.

What do the world's largest flying bird, with a wingspan of up to 3.5 metres, and the Australian Sea Lion have in common? Both are endangered due to their high risk of entanglement in fishing nets!Today's guest, Zoologist Alexia Wellbelove gives us a birds-eye view on how changes to fishing practices can help bring Albatrosses and Sea Lions back from the brink. We'll also unpack recent changes to Australia's nature laws which scientists hope will help slow the alarming rate of extinctions in Australia.AMCS's Threatened Species Campaign:  https://www.marineconservation.org.au/threatened-species/Support the showHelp Keep Word on the Reef Afloat!Please take 2 minutes to fill out our Word on the Reef Listener Survey to help us apply for funding for the show!PROTECT THE REEF - Sign these Petitions Now! Australian Marine Conservation Society: Australia, it's time to lead on Climate Action! Divers for Climate: Sign the 'I'm a Diver for Climate' National Statement Australian Conservation Foundation: No New Coal and Gas! Queensland Conservation Council: Take Strong Climate Action and Build a Positive Renewable Future! Our Islands Our Home: Protect the Torres Strait Islands from Climate Change Greenpeace: Save the Great Barrier Reef! WWF Australia: Protect Nature Rising Tide: ...

Grace saves us from sin.

This conversation, on today's show, explores the evolving concept of retirement, emphasizing the importance of planning beyond just financial aspects. Host Nathan Fort discusses the significance of relationships, the need for clarity and control in financial planning, and strategies to manage longevity risk and emotional investing. Nathan encourages listeners to rethink retirement as a fulfilling phase of life rather than just a cessation of work, highlighting the necessity of a comprehensive retirement plan that includes income strategies and personal goals. If you have any questions concerning your retirement call Nathan Fort 800-890-5008 or click here to visit our website. Retiring, Planning, Saving, Healthcare, 401K, Roth, TaxesSee omnystudio.com/listener for privacy information.

Saving Seats

3 Incredible Proofs of Heaven: What Global Near Death Experiences Reveal. Imagine Heaven John Burke. ACU Saturday Series.  Watch this video at- https://youtu.be/vxnmDhs6Nrg?si=Jx4MuPcZR-UdWUV4 Imagine Heaven Podcast with John Burke 61.6K subscribers 111,168 views Dec 6, 2024 Imagine Heaven Podcast Episodes What if Heaven is more real than we ever imagined? And what will it be like? John Burke has spent over 40 years researching 1000+ near-death experiences (NDEs) and wrote the New York Times bestseller Imagine Heaven, with over 1 million copies sold. In this video, you will hear from many of the people John interviewed from around the globe as he explores 3 incredible proofs of Heaven that skeptics have not explained. He also shows ways that NDEs and the Bible correlate. From verifiable out-of-body observations to blind individuals seeing for the first time and encounters with the same God of light and love across nations, these stories challenge and inspire us with the reality of life after death. Discover how these extraordinary experiences transcend cultures, religions, and expectations, offering compelling evidence that Heaven exists. Watch now to explore these fascinating global accounts that defy conventional science and provide hope for what lies beyond. All video interviews conducted by John Burke are used with permission. Watch the full Joe Rogan and Dr. Michael Shermer 2-hour video here. The quote used starts at 13:35: https://www.youtube.com/live/x2qwRJT4WGY Watch the full Dr. Pim van Lommel 1-hour interview here:    • Consciousness Beyond Death | Dr. Pim van L...   Read Heidi Barr's full story here: https://a.co/d/4VZx2yE Read Santosh Acharjee's full story here: https://a.co/d/41mSYYQ Read Swidiq (Cedric) Kanana's full story here: https://a.co/d/6xBcpLN ------------------------- Stay Connected

The process of growing sweet potatoes. Some gift ideas to give the gardener in your life. Keeping rabbits away from particular plants. Saving an amaryllis. Getting rid of fungus gnats. Making a Christmas Cactus to bloom. Growing herbs indoors. Humane critter control. Learn more from Master Gardener Teresa Rooney at extension.umn.edu.

Ilhan Omar's Somalis Steal $8 Billion- Leonarda Jonie is Funny, We Lost Our Civilization and We Lost It Because of Diversity- Nick Fuentes.   Ilhan Omar's Somalis Steal $8 Billion Watch this video at- https://youtu.be/ksDxi8DT7Ss?si=WMbaI83yxZAR_XLN Leonarda Jonie 323K subscribers 9,956 views Premiered 4 hours ago Sign-up on my website: LEONARDAISFUNNY.COM Visit our sponsor: https://antelopehillpublishing.com/ Promo Code: LEO TOUR: LEONARDAISFUNNY.COM Ft. Worth, TX | Dec. 31 Milwaukee, WI | Jan. 15 Chicago, IL |Jan. 16 Detroit, MI | Jan. 17 Las Vegas, NV | Jan. 31 Los Angeles, CA | Feb. 1 Sacramento, CA | Feb. 13 Oakland, CA | Feb. 14 Colorado Springs | Feb. 20 Denver, CO | Feb. 21 Boston, MA | Mar. 13 Rumble ▶ https://rumble.com/user/Leonardaisfun... YouTube ▶    / @leonardaisfunny   Instagram ▶   / leonarda.jonie   X ▶   / leonardaisfune   TikTok ▶   / leonarda_jonie     Post S.clips @whitesocksclips White people are forced to live with blacks so that they can take advantage of what we provide. Then they repay us by kiIIing us. Nick Fuentes. People say, "Well, the economy grew, we have TVs now," but we lost our civilization, and we lost it because of diversity. Nick Fuentes. --------------------------------------------------------------------  Check out our ACU Patreon page: https://www.patreon.com/ACUPodcast   HELP ACU SPREAD THE WORD!  Please go to Apple Podcasts and give ACU a 5 star rating. Apple canceled us and now we are clawing our way back to the top. Don't let the Leftist win. Do it now! Thanks. Also Rate us on any platform you follow us on. It helps a lot. Forward this show to friends. Ways to subscribe to the American Conservative University Podcast Click here to subscribe via Apple Podcasts Click here to subscribe via RSS You can also subscribe via Stitcher FM Player Podcast Addict Tune-in Podcasts Pandora Look us up on Amazon Prime …And Many Other Podcast Aggregators and sites ACU on Twitter- https://twitter.com/AmerConU . Warning- Explicit and Violent video content.   Please help ACU by submitting your Show ideas. Email us at americanconservativeuniversity@americanconservativeuniversity.com   Endorsed Charities -------------------------------------------------------- Pre-Born! Saving babies and Souls. https://preborn.org/ OUR MISSION To glorify Jesus Christ by leading and equipping pregnancy clinics to save more babies and souls. WHAT WE DO Pre-Born! partners with life-affirming pregnancy clinics all across the nation. We are designed to strategically impact the abortion industry through the following initiatives:… -------------------------------------------------------- Help CSI Stamp Out Slavery In Sudan Join us in our effort to free over 350 slaves. Listeners to the Eric Metaxas Show will remember our annual effort to free Christians who have been enslaved for simply acknowledging Jesus Christ as their Savior. As we celebrate the birth of Christ this Christmas, join us in giving new life to brothers and sisters in Sudan who have enslaved as a result of their faith. https://csi-usa.org/metaxas   https://csi-usa.org/slavery/   Typical Aid for the Enslaved A ration of sorghum, a local nutrient-rich staple food A dairy goat A “Sack of Hope,” a survival kit containing essential items such as tarp for shelter, a cooking pan, a water canister, a mosquito net, a blanket, a handheld sickle, and fishing hooks. Release celebrations include prayer and gathering for a meal, and medical care for those in need. The CSI team provides comfort, encouragement, and a shoulder to lean on while they tell their stories and begin their new lives. Thank you for your compassion  Giving the Gift of Freedom and Hope to the Enslaved South Sudanese -------------------------------------------------------- Food For the Poor https://foodforthepoor.org/ Help us serve the poorest of the poor Food For The Poor began in 1982 in Jamaica. Today, our interdenominational Christian ministry serves the poor in primarily 17 countries throughout the Caribbean and Latin America. Thanks to our faithful donors, we are able to provide food, housing, healthcare, education, fresh water, emergency relief, micro-enterprise solutions and much more. We are proud to have fed millions of people and provided more than 15.7 billion dollars in aid. Our faith inspires us to be an organization built on compassion, and motivated by love. Our mission is to bring relief to the poorest of the poor in the countries where we serve. We strive to reflect God's unconditional love. It's a sacrificial love that embraces all people regardless of race or religion. We believe that we can show His love by serving the “least of these” on this earth as Christ challenged us to do in Matthew 25. We pray that by God's grace, and with your support, we can continue to bring relief to the suffering and hope to the hopeless.   Report on Food For the Poor by Charity Navigator https://www.charitynavigator.org/ein/592174510   -------------------------------------------------------- Disclaimer from ACU. We try to bring to our students and alumni the World's best Conservative thinkers. All views expressed belong solely to the author and not necessarily to ACU. In all issues and relations, we hope to follow the admonitions of Jesus Christ. While striving to expose, warn and contend with evil, we extend the love of God to all of his children. ---------------------------------------------------------------------------

Curtis interviews Alex Newman to discuss the dystopian climate control agenda. Even as Trump is disconnecting America from the UN's Climate Controls, the Globalists are plotting to enslave the planet with Carbon Passports, Carbon Taxes, Digital IDs, and Digital currency. They are pursuing these controls at breakneck speed, under the guise of “Saving the Planet.” This issue will never go away, because it is a religion for those who worship the creation instead of the Creator (Romans 1). This episode will equip you to push back against the lies and fight for truth.

Shannon Sharpe & Chad “Ochocinco” Johnson react to the Atlanta Falcons beating the Tampa Bay Buccaneers on a walk off field gaol, Chargers defensive back Tony Jefferson joins the show to talk about the Chargers great seasons so far, and Titans reporter has been removed from all Titans charter flights after story about Cam Ward and much more! Subscribe to Nightcap presented by PrizePicks so you don’t miss out on any new drops! Download the PrizePicks app today and use code SHANNON to get $50 in lineups after you play your first $5 lineup! Visit https://prizepicks.onelink.me/LME0/NI... 05:00 - Falcons beat Bucs29:14 - Tony Jefferson joins the show!43:47 - Titans Sideline reporter removed from charter flights (Timestamps may vary based on advertisements.) #ClubSee omnystudio.com/listener for privacy information.

After getting burned during the financial crisis, I'm starting to worry that we're saving our money in the wrong places. Have a money question? Email us ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Subscribe to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Jill on Money LIVE⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Subscribe to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Jill on Money Newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ YouTube: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@jillonmoney⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@jillonmoney⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Twitter: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@jillonmoney⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ "Jill on Money" theme music is by Joel Goodman, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.joelgoodman.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

Donald Trump Top 10 Greatest Hits, Somali Crime is FAR WORSE Than You Imagine. Mr. Reagan.   Donald Trump Top 10 Greatest Hits Watch this video at- https://youtu.be/YMXtIG58eSo?si=DoRlLNvn3Ib20bJy Mr Reagan 400K subscribers 3,351 views Dec 10, 2025 #Politics #News #Trending   Somali Crime is FAR WORSE Than You Imagine Watch this video at- https://youtu.be/tEk0awAYmlg?si=-fbBkyvaDz7RgKsi   Mr Reagan 400K subscribers 20,830 views Dec 4, 2025 Podcasts https://www.purgestore.com - Promocode [REAGAN] for 15% OFF! ----------------------------------------------- Patreon:   / mrreagan   ----------------------------------------------- MR REAGAN MERCHANDISE https://teespring.com/stores/mr-reagan -------------------------------------------- FOLLOW MR REAGAN ON TWITTER!   / mrreaganusa   ----------------------------------------------- --------------------------------------------------------------------  Check out our ACU Patreon page: https://www.patreon.com/ACUPodcast   HELP ACU SPREAD THE WORD!  Please go to Apple Podcasts and give ACU a 5 star rating. Apple canceled us and now we are clawing our way back to the top. Don't let the Leftist win. Do it now! Thanks. Also Rate us on any platform you follow us on. It helps a lot. Forward this show to friends. Ways to subscribe to the American Conservative University Podcast Click here to subscribe via Apple Podcasts Click here to subscribe via RSS You can also subscribe via Stitcher FM Player Podcast Addict Tune-in Podcasts Pandora Look us up on Amazon Prime …And Many Other Podcast Aggregators and sites ACU on Twitter- https://twitter.com/AmerConU . Warning- Explicit and Violent video content.   Please help ACU by submitting your Show ideas. Email us at americanconservativeuniversity@americanconservativeuniversity.com   Endorsed Charities -------------------------------------------------------- Pre-Born! Saving babies and Souls. https://preborn.org/ OUR MISSION To glorify Jesus Christ by leading and equipping pregnancy clinics to save more babies and souls. WHAT WE DO Pre-Born! partners with life-affirming pregnancy clinics all across the nation. We are designed to strategically impact the abortion industry through the following initiatives:… -------------------------------------------------------- Help CSI Stamp Out Slavery In Sudan Join us in our effort to free over 350 slaves. Listeners to the Eric Metaxas Show will remember our annual effort to free Christians who have been enslaved for simply acknowledging Jesus Christ as their Savior. As we celebrate the birth of Christ this Christmas, join us in giving new life to brothers and sisters in Sudan who have enslaved as a result of their faith. https://csi-usa.org/metaxas   https://csi-usa.org/slavery/   Typical Aid for the Enslaved A ration of sorghum, a local nutrient-rich staple food A dairy goat A “Sack of Hope,” a survival kit containing essential items such as tarp for shelter, a cooking pan, a water canister, a mosquito net, a blanket, a handheld sickle, and fishing hooks. Release celebrations include prayer and gathering for a meal, and medical care for those in need. The CSI team provides comfort, encouragement, and a shoulder to lean on while they tell their stories and begin their new lives. Thank you for your compassion  Giving the Gift of Freedom and Hope to the Enslaved South Sudanese -------------------------------------------------------- Food For the Poor https://foodforthepoor.org/ Help us serve the poorest of the poor Food For The Poor began in 1982 in Jamaica. Today, our interdenominational Christian ministry serves the poor in primarily 17 countries throughout the Caribbean and Latin America. Thanks to our faithful donors, we are able to provide food, housing, healthcare, education, fresh water, emergency relief, micro-enterprise solutions and much more. We are proud to have fed millions of people and provided more than 15.7 billion dollars in aid. Our faith inspires us to be an organization built on compassion, and motivated by love. Our mission is to bring relief to the poorest of the poor in the countries where we serve. We strive to reflect God's unconditional love. It's a sacrificial love that embraces all people regardless of race or religion. We believe that we can show His love by serving the “least of these” on this earth as Christ challenged us to do in Matthew 25. We pray that by God's grace, and with your support, we can continue to bring relief to the suffering and hope to the hopeless.   Report on Food For the Poor by Charity Navigator https://www.charitynavigator.org/ein/592174510   -------------------------------------------------------- Disclaimer from ACU. We try to bring to our students and alumni the World's best Conservative thinkers. All views expressed belong solely to the author and not necessarily to ACU. In all issues and relations, we hope to follow the admonitions of Jesus Christ. While striving to expose, warn and contend with evil, we extend the love of God to all of his children. ----------------------------------------------------------------------------------------- 

A look at Medishare.  Individual Health plan rates.  Obama Care price increases.  Whether health good or bad, rates are the same.  Long term care insurance.  Saving real people money.  Retired real estate agent saves over $7000/year.

We read 'If Anyone Builds It, Everyone Dies' by Yudkowsky & Soares (so you don't have to) Watch this video at- https://youtu.be/IHTunMmNado?si=4RvOZ5hyUAE7NzSo We Read This So You Don't Have To Nov 16, 2025 We Read This (So You Don't Have To) We read If Anyone Builds It, Everyone Dies: Why Superhuman AI Would Kill Us All by Eliezer Yudkowsky & Nate Soares so you don't have to …but if you've ever wondered how building superhuman artificial intelligence could turn into humanity's last mistake, this episode might forever change how you think about technology, risk, and the future of intelligence. In this episode, we break down Yudkowsky & Soares's alarming thesis: when we build AI that out-thinks us, the default isn't friendly cooperation — it's misalignment, hidden objectives, and catastrophic loss of control. Modern AI isn't programmed in the old way; it's grown, resulting in systems whose goals we cannot fully predict or steer. The authors argue that unless humanity halts or radically redesigns the trajectory of large-scale AI development, we may be writing our own extinction notice.

Christmas came early… because Abigaiil Morris is finally in the chair.

In this episode, Roger Whitney, a retirement planner with 30 years of experience, breaks down annual gifting limits and year-end planning. He shares practical strategies for giving that make a real impact and create meaningful experiences for loved ones. Roger also answers listener questions, providing clear guidance to help you navigate your retirement with confidence.OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN(00:00) This podcast is dedicated to helping you rock retirement.(00:57) Today Roger talks about annual gifting limits.RETIREMENT TOOLKIT(01:45) In today's Retirement Toolkit, Roger explores year-end planning by breaking down the 2025 annual gift exclusion.(04:05) Roger discusses giving money during your lifetime and shares the reasons why it can be beneficial.(12:05) Roger shares his observations on giving money, noting that gifts can feel most meaningful when attached to a specific purpose rather than given with expectations.(14:21) Strategies for impactful gifting are explored, including transferring appreciated assets, paying medical expenses, and covering tuition directly, showing ways to help others while maximizing meaning and efficiency.LISTENER QUESTIONS(19:00) Mary shares feedback on qualified charitable distributions (QCDs).(21:27) Lee describes his “shoulder bonus” strategy to spend excess retirement funds while staying within a safe withdrawal rate.(30:10) John asks when to switch from a general financial advisor to a retirement planner(34:19) Rick asks about gifting appreciated stocks to adult children.(35:17) Steve asks about building a resilient retirement plan at age 80.SMART SPRINT(38:13) In the next seven days: Do you want to give? Can you? How much and to whom? Can it have a purpose? Even small gifts can make a big impact.CLOSING THOUGHTS(40:00) Giving money can bring profound joy, often the greatest gift is the one you give yourself by helping others. REFERENCESSubmit a Question for RogerSign up for The NoodleThe Retirement Answer Man

JOIN MY TRADING GROUP FOR FREE: LINK IN BIOFollow Me on Social Media:• Instagram (Sumi): @sumedhbasani• Instagram (TeamBasani): @teambasani• TikTok: @teambasaniFor my Relationship Content: Youtube.com/SumedhBasaniDisclaimer: These videos that I create on YouTube shouldn't be taken as financial advice. I am not a licensed financial professional. Nothing I mention in these videos is meant to be a recommendation to buy or sell any stock, etf, index, or future. Please consult with your financial professional for your financial advice. I am not liable for any loss that you may experience from watching these videos. Do your own research when it comes to investing and trading to take 100% responsibility for your financial decisions and future.

This episode breaks down the five year-end tax strategies that can still lower your tax bill before December 31. You'll learn simple, legal steps business owners use to save real money, including tax planning moves most people don't hear from their CPA. We cover timing your expenses, using tax savings tools like bonus depreciation, and making smart money decisions before the year ends. You'll also hear real stories of women entrepreneurs who used these strategies to keep more of their income and strengthen their financial mindset. These tips work for small business owners who want clear finance advice they can use right away. By the end, you'll know exactly what to do this month to avoid overpaying the IRS. Listen now so you don't lose your chance to save money this year.   Next Steps:

They Lied to You – Dr. Peter McCullough Reveals The Truth About COVID Vaccines Watch the full interview for free at https://freedomplatform.tv/they-lied-... When renowned cardiologist, epidemiologist and author Dr. Peter McCullough last joined me in August 2023, the world was already at a turning point. Now, just two years later, everything has changed: Donald Trump is back in the White House RFK Jr. is the new U.S. Health Secretary New voices have joined the Advisory Committee on Immunization Practices, including Dr. Robert Malone and Dr. Martin Kulldorff The U.S. government has moved to pull funding from mRNA vaccine development On Tuesday 12 August at 5pm UK time / noon EST, Dr. McCullough returns to the London Real Digital Freedom Platform for a no-holds-barred conversation you won't see on mainstream media. Watch this clip at- https://youtu.be/FpO7nEJjch4?si=6kQPUcY6Jaqpce1I London Real 2.26M subscribers 7,061 views Premiered Dec 1, 2025 #LondonRealTV #LondonReal #BrianRose

The $100 Silver Window Is Almost Gone — And This Time It Won't Reopen Watch this video at- https://youtu.be/bXIi8jBSW6Y?si=XOflk-EgU8fzw665 Money Rewind 29 subscribers 788 views Dec 4, 2025 This documentary investigates a recurring four-stage pattern in commodity markets, analyzing its potential application to the contemporary silver market. The central thesis posits that assets historically used as money often undergo a cycle of Establishment, Manipulation, Squeeze, and eventual Break of the paper derivative market. This analysis is contextualized through an examination of current market phenomena, including significant physical silver withdrawals from COMEX vaults, the suspension of silver sales by major international banks, and the presence of market backwardation—a key indicator of acute physical demand. The narrative draws parallels to major historical precedents, including the 1980 silver crisis precipitated by the Hunt brothers, the 1971 "Nixon Shock" which severed the U.S. dollar's final link to gold, and the 2001 palladium supply shock. By dissecting silver's dual role as both a historic monetary asset and an indispensable industrial commodity facing a structural supply deficit, the film argues that the modern silver market is exhibiting classic signs of the "Squeeze" phase, signaling a potential decoupling between the price of physical metal and its paper equivalents. KEY CONCEPTS The Four-Stage Market Cycle (Establishment, Manipulation, Squeeze, Break) Physical vs. Paper Assets (Commodity vs. Derivative) Market Backwardation and Contango The Hunt Brothers & Silver Thursday (1980) The Nixon Shock & The Gold Standard (1971) Silver's Dual Demand (Monetary & Industrial) Commodity Futures Markets (COMEX) Counterparty Risk in Exchange-Traded Funds (ETFs) Structural Supply & Demand Deficits RESEARCH & REFERENCES GOVERNMENT DOCUMENTS The Coinage Act of 1965: Public Law 89-81, which eliminated silver from the United States' circulating dime and quarter-dollar coins and reduced the silver content of the half-dollar. A Study of the Silver Futures Market: A 1982 report by the Division of Economics and Education, Commodity Futures Trading Commission (CFTC), detailing the events surrounding the 1979-1980 silver market volatility. Stock Exchange Practices: Report of the Committee on Banking and Currency (The Pecora Report), 1934: A landmark investigation into the causes of the Wall Street Crash of 1929, providing historical context on market manipulation. ACADEMIC & HISTORICAL LITERATURE A Monetary History of the United States, 1867-1960 by Milton Friedman and Anna Schwartz: A foundational text on the history of U.S. monetary policy, providing critical background for understanding the abandonment of commodity-backed currency. The New Case for Gold by James Rickards: Explores the historical role of precious metals as monetary assets and the inherent instabilities of fiat currency systems. INSTITUTIONAL REPORTS World Silver Survey: An annual report published by The Silver Institute, providing comprehensive global data on silver supply, demand, mine production, and investment trends. --------------------------------------------------------------------  Check out our ACU Patreon page: https://www.patreon.com/ACUPodcast   HELP ACU SPREAD THE WORD!  Please go to Apple Podcasts and give ACU a 5 star rating. Apple canceled us and now we are clawing our way back to the top. Don't let the Leftist win. Do it now! Thanks. Also Rate us on any platform you follow us on. It helps a lot. Forward this show to friends. Ways to subscribe to the American Conservative University Podcast Click here to subscribe via Apple Podcasts Click here to subscribe via RSS You can also subscribe via Stitcher FM Player Podcast Addict Tune-in Podcasts Pandora Look us up on Amazon Prime …And Many Other Podcast Aggregators and sites ACU on Twitter- https://twitter.com/AmerConU . Warning- Explicit and Violent video content.   Please help ACU by submitting your Show ideas. Email us at americanconservativeuniversity@americanconservativeuniversity.com   Endorsed Charities -------------------------------------------------------- Pre-Born! Saving babies and Souls. https://preborn.org/ OUR MISSION To glorify Jesus Christ by leading and equipping pregnancy clinics to save more babies and souls. WHAT WE DO Pre-Born! partners with life-affirming pregnancy clinics all across the nation. We are designed to strategically impact the abortion industry through the following initiatives:… -------------------------------------------------------- Help CSI Stamp Out Slavery In Sudan Join us in our effort to free over 350 slaves. Listeners to the Eric Metaxas Show will remember our annual effort to free Christians who have been enslaved for simply acknowledging Jesus Christ as their Savior. As we celebrate the birth of Christ this Christmas, join us in giving new life to brothers and sisters in Sudan who have enslaved as a result of their faith. https://csi-usa.org/metaxas   https://csi-usa.org/slavery/   Typical Aid for the Enslaved A ration of sorghum, a local nutrient-rich staple food A dairy goat A “Sack of Hope,” a survival kit containing essential items such as tarp for shelter, a cooking pan, a water canister, a mosquito net, a blanket, a handheld sickle, and fishing hooks. Release celebrations include prayer and gathering for a meal, and medical care for those in need. The CSI team provides comfort, encouragement, and a shoulder to lean on while they tell their stories and begin their new lives. Thank you for your compassion  Giving the Gift of Freedom and Hope to the Enslaved South Sudanese -------------------------------------------------------- Food For the Poor https://foodforthepoor.org/ Help us serve the poorest of the poor Food For The Poor began in 1982 in Jamaica. Today, our interdenominational Christian ministry serves the poor in primarily 17 countries throughout the Caribbean and Latin America. Thanks to our faithful donors, we are able to provide food, housing, healthcare, education, fresh water, emergency relief, micro-enterprise solutions and much more. We are proud to have fed millions of people and provided more than 15.7 billion dollars in aid. Our faith inspires us to be an organization built on compassion, and motivated by love. Our mission is to bring relief to the poorest of the poor in the countries where we serve. We strive to reflect God's unconditional love. It's a sacrificial love that embraces all people regardless of race or religion. We believe that we can show His love by serving the “least of these” on this earth as Christ challenged us to do in Matthew 25. We pray that by God's grace, and with your support, we can continue to bring relief to the suffering and hope to the hopeless.   Report on Food For the Poor by Charity Navigator https://www.charitynavigator.org/ein/592174510   -------------------------------------------------------- Disclaimer from ACU. We try to bring to our students and alumni the World's best Conservative thinkers. All views expressed belong solely to the author and not necessarily to ACU. In all issues and relations, we hope to follow the admonitions of Jesus Christ. While striving to expose, warn and contend with evil, we extend the love of God to all of his children. -----------------------------------------------------------------------------------------   

The real path to wealth in 2026 is not saving more. It is thinking differently. In this mashup episode, I am bringing together three of the brightest financial and personal growth minds in the world to shatter one of the biggest myths keeping people stuck. Saving alone will not make you wealthy. It never has. It never will. Wealth is created through strategy, identity, and a radically different way of seeing your life. Scott Galloway breaks this wide open with his insight that wealth is not what people see. Wealth is what you no longer have to worry about. It is passive income greater than your burn. It is the absence of economic stress so you can finally focus on the people and experiences that matter. Robin Sharma takes this conversation deeper by reminding us that wealth is not just financial capital but also your mindset, your habits, your spiritual clarity, and your emotional freedom. You cannot build an extraordinary life with a bargain basement identity. You must raise your standards, remove the distractions that dilute your greatness, and step into the person who can actually sustain the wealth you want to create. His wisdom is a reminder that your blessings expand only to the level of your self worth. And then you will hear from the incredible Vivian Tu, who brings a fresh and direct perspective on how real people can build financial momentum right now. Vivian has a special way of making money simple. She shows you how to take advantage of the systems that exist, how to invest consistently even when you feel behind, and how to stop letting fear dictate your financial future. Her approach proves that anyone can build real wealth when they stop guessing and start moving with a plan grounded in reality instead of hype. Each of these conversations points back to a single truth. Wealth in 2026 is not about saving more. It is about becoming someone new. It is about shifting the way you think, the way you earn, the way you build leverage, and the way you make decisions. I want you to walk away from this episode knowing that you have more control than you realize. You are not stuck. You are not behind. You simply need a new framework and a willingness to take the first imperfect step. Key Takeaways Why wealth is the absence of economic stress, not flashy spending How passive income greater than your burn creates real financial freedom Why saving alone will never build the life you want The mindset and identity upgrades that must come before financial upgrades How to use your natural strengths to become great in a high value lane Why consistency, strategy, and simplified investing outperform “trying to time it” The real reason most people feel stuck financially and how to break out of it in 2026 If you are ready to stop stressing about money and start building the kind of wealth that gives you peace, freedom, and choice, this episode will show you exactly where to begin. ⁠