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Episode 121:For this episode I'm very pleased to welcome Katherine Sheil, Professor of English at the University of Minnesota for the second part of our conversation about Anne Hathaway, based around her book ‘Imagining Shakespeare's Wife: The Afterlife of Anne Hathaway'.In this part we went on to talk about the different views of Anne in fiction and non-fiction through the centuries. The breadth of views are quite astounding and we try to unpick how some of these at lease could have come about.Katherine is a leading expert on Anne Hathaway and her legacy to history so, following on from the recent episodes about Shakespeare's ancestry and early life in Stratford and London this was a perfect opportunity to talk to Katherine, and if you have not done so already you should probably listen to all the preceding season six episodes before returning here.Katherine Scheil is Professor of English at the University of Minnesota. She is the author of several books about Shakespeare, including The Taste of the Town: Shakespearean Comedy and the Early Eighteenth-Century Theatre; Shakespeare/Adaptation/Modern Drama (with Randall Martin); She Hath Been Reading: Women and Shakespeare Clubs in America; Imagining Shakespeare's Wife: The Afterlife of Anne Hathaway; Shakespeare & Biography (with Graham Holderness); and Shakespeare & Stratford. She is finishing a book on the history of women and Stratford-upon-Avon, and a book about Shakespeare and biofiction, called Father Shakespeare. She was one of the co-editors of the recent Annethology: Poems Re-Presenting Anne Shakespeare. Her work on the epitaph of Anne Shakespeare in Holy Trinity Church will be coming out later this year with Cambridge University Press.Links to Katherine's latest books, available from any bookshop.www.cambridge.org/9781108404068https://www.brokensleepbooks.com/product-page/anne-thologySupport the podcast at:www.thehistoryofeuropeantheatre.comwww.ko-fi.com/thoetpwww.patreon.com/thoetpThis podcast uses the following third-party services for analysis: Chartable - https://chartable.com/privacy

Episode 119:For this episode I'm very pleased to welcome Katherine Sheil, Professor of English at the University of Minnesota. Katherine is Author of several books about Shakespeare, but today we particularly talk about her book about Shakespeare's wife called ‘Imagining Shakespeare's Wife: The Afterlife of Anne Hathaway'. It is a fascinating examination of the known facts of Anne's life and of how her persona has been used and abused through the centuries, as a means of examining and justifying views of Shakespeare, but also about how Anne has been viewed in her own right.Katherine is a leading expert on Anne Hathaway and her legacy to history so, following on from the last podcast episode about Shakespeare's early life and marriage this was a perfect opportunity to talk to Katherine, who adds much nuanced thought and detail to the subject of Anne's life, which adds to the basic facts I detailed last time, so if you have not listened to that episode yet it's probably a good idea to do so before returning here.Katherine Scheil is Professor of English at the University of Minnesota. She is the author of several books about Shakespeare, including The Taste of the Town: Shakespearean Comedy and the Early Eighteenth-Century Theatre; Shakespeare/Adaptation/Modern Drama (with Randall Martin); She Hath Been Reading: Women and Shakespeare Clubs in America; Imagining Shakespeare's Wife: The Afterlife of Anne Hathaway; Shakespeare & Biography (with Graham Holderness); and Shakespeare & Stratford. She is finishing a book on the history of women and Stratford-upon-Avon, and a book about Shakespeare and biofiction, called Father Shakespeare. She was one of the co-editors of the recent Annethology: Poems Re-Presenting Anne Shakespeare. Her work on the epitaph of Anne Shakespeare in Holy Trinity Church will be coming out later this year with Cambridge University Press.Links to Katherine's latest books, available from any bookshop.www.cambridge.org/9781108404068https://www.brokensleepbooks.com/product-page/anne-thologySupport the podcast at:www.thehistoryofeuropeantheatre.comwww.ko-fi.com/thoetpwww.patreon.com/thoetpThis podcast uses the following third-party services for analysis: Chartable - https://chartable.com/privacy

This year, 2023, is the 400th anniversary of the death of Shakespeare's wife, Anne Hathaway. Have you ever stopped to ask how much you actually know about Anne? In today's episode, we will travel back through time to explore how Anne has been depicted in Shakespeare biographies and works of imaginative fiction since her death. We explore how her inclusion (or exclusion) from Shakespeare's narrative has changed and investigate what these depictions can tell us about society's perceptions of Shakespeare. Finally, we will also dive into the historical record and share the facts of Anne Hathaway's life. And yes, we will talk about that second best bed line in William Shakespeare's will.  Shakespeare Anyone? is created and produced by Kourtney Smith and Elyse Sharp. Music is "Neverending Minute" by Sounds Like Sander. Follow us on Instagram at @shakespeareanyonepod for updates or visit our website at shakespeareanyone.com You can support the podcast at patreon.com/shakespeareanyone Works referenced: AKA Group Limited, LLC, and Juliet Broadway LLC. “& Juliet: Official Broadway Website.” & Juliet | Official Broadway Website – Official Tickets for the New Broadway Musical & Juliet., Juliet Broadway LLC, 2022, andjulietbroadway.com/. Gunderson, Lauren. The Book of Will. Dramatists Play Service Inc., 2018. O'Farrell, Maggie. Hamnet. Alfred A. Knopf, 2020. Scheil, Katherine West. Imagining Shakespeare's Wife: The Afterlife of Anne Hathaway. Cambridge University Press, 2018.

Das geplante Dokumentationszentrum „Zweiter Weltkrieg und deutsche Besatzungsherrschaft in Europa“ sei nicht geeignet, den Besuchern ein zutreffendes Bild der Weltkriegsära und der deutschen Besatzungsherrschaft zu vermitteln, so der Mannheimer Historiker Stefan Scheil bei seiner Analyse des Realisierungsvorschlags am 23. Juni 2023. Statt zu differenzieren würden überkommene Narrative bedient, die wissenschaftliche Standards vermissen ließen. Jetzt die Bibliothek des Konservatismus unterstützen! PayPal: https://www.paypal.com/donate/?hosted_button_id=4AM9E488ETCZ2 Banküberweisung: Förderstiftung Konservative Bildung und Forschung IBAN: DE15 1009 0000 2125 2750 04 BIC: BEVODEBB Einen Überblick über die Arbeit der Bibliothek und die nächsten Veranstaltungen finden Sie unter https://www.bdk-berlin.org/ Facebook: https://www.facebook.com/bdk.bln Instagram: https://www.instagram.com/bdk_berlin/ Twitter: https://twitter.com/BdK_Berlin Gettr: https://gettr.com/user/bdk_berlin

(No, not that one.) This weekend is the 359th anniversary of the death of William Shakespeare's wife Anne Hathaway, and to commemorate the occasion we talk to Dr. Katherine Scheil, author of Imagining Shakespeare's Wife: The Afterlife of Anne Hathaway. Dr. Scheil discusses what drew her to Hathaway as a subject for study; how Hathaway is almost always portrayed in relationship to Shakespeare; what to make of the “second best bed” she received in Shakespeare's will; the wonderful democratization and liberating opportunities of biofiction; how sex is frequently the default source of Shakespeare's “inspiration;” a discussion of the relative merits of the films Shakespeare In Love and All Is True, the TV series Upstart Crow, and the novel Hamnet; and ultimately, how biofiction can be a more insightful way of understanding historical figures, and even how sitcoms can reveal greater story and character nuance than drama. (Length 25:59) The post Celebrating Anne Hathaway appeared first on Reduced Shakespeare Company.

Am 30. August 2016 fanden sich etwa 60 Zuhörer in der Bibliothek des Konservatismus (BdK) ein, um den Mannheimer Historiker Stefan Scheil über den am 18. August 2016 verstorbenen Ernst Nolte (geb. 1923) zu hören. Der Vortrag war in zwei Teile gegliedert und beschäftigte sich zunächst mit Ernst Noltes Spätwerk „Historische Existenz“, um dann Leben und Wirken des Geschichtsdenkers zu würdigen. * Die Bibliothek des Konservatismus unterstützen: PayPal: https://www.paypal.com/cgi-bin/webscr?cmd=_s-xclick&hosted_button_id=BEB99H36UCDSL Banküberweisung: Förderstiftung Konservative Bildung und Forschung IBAN: DE15 1009 0000 2125 2750 04 BIC: BEVODEBB www.bdk-berlin.org Facebook: https://www.facebook.com/bdk.bln Instagram: https://www.instagram.com/bdk_berlin/ Twitter: https://twitter.com/BdK_Berlin Gettr: https://gettr.com/user/bdk_berlin

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This episode was originally published in April 2019 on From the Head of the Bed… a podcast for the anesthesia community. In this podcast, Ashley walks us through an overview of the most common IV anesthesia induction agents. We cover propofol, ketamine, etomidate, barbiturates (e.g. methohexital), dexmedetomidine and benzodiazepines (e.g. midazolam). A run down of […]

In this episode, which was originally released in April of 2019 on From the Head of the Bed… a podcast for the anesthesia community, Ashley provides an incredibly detailed run down of the anesthesia machine: the flow of gas through the machine, high, intermediate and low pressure system components in the machine, variable bypass vaporizer […]

In this episode, Ashley and I talk through how to set up an operating room anesthesia workstation, perform a preoperative patient assessment and progress through an IV induction and intubation. You'll hear Ashley walk you through everything from how to do a quick machine set up, where to put your tape, how to introduce yourself […]

Im heutigen Podcast spreche ich mit Florian und Patrick Scheil von IBM unter anderem zu folgenden Themen: Der Status Quo bei der Digitalisierung des öffentlichen deutschen Sektors. Was der Staat bzw Behörden tun müssen, um sich als attraktiven Arbeitgeber zu positionieren. Welche Bereiche des öffentlichen Sektors wegen Corona unter Digitalisierungszwang sind. Wie sinnvoll Investitionen in GovTech sind. Über den Wandel bei IBM. LINKS Linkedin von Florian Scheil: https://www.linkedin.com/in/florianscheil/    Linkedin von Patrick Scheil: https://www.linkedin.com/in/pscheil/ Klicke hier, um dich auf Linkedin mit mir zu vernetzen.    Klicke hier, um dich auf Xing mit mir zu vernetzen. Wenn dir diese Folge gefallen hat, hinterlasse mir bitte eine 5-Sterne-Bewertung, ein Feedback auf iTunes und abonniere diesen Podcast. Dadurch hilfst du uns den Podcast immer weiter zu verbessern und dir die Inhalte zu liefern, die du dir wünscht.

Im heutigen Podcast spreche ich mit Florian und Patrick Scheil von IBM unter anderem zu folgenden Themen: Der Status Quo bei der Digitalisierung des öffentlichen deutschen Sektors. Was der Staat bzw Behörden tun müssen, um sich als attraktiven Arbeitgeber zu positionieren. Welche Bereiche des öffentlichen Sektors wegen Corona unter Digitalisierungszwang sind. Wie sinnvoll Investitionen in GovTech sind. Über den Wandel bei IBM. LINKS Linkedin von Florian Scheil: https://www.linkedin.com/in/florianscheil/    Linkedin von Patrick Scheil: https://www.linkedin.com/in/pscheil/ Klicke hier, um dich auf Linkedin mit mir zu vernetzen.    Klicke hier, um dich auf Xing mit mir zu vernetzen. Wenn dir diese Folge gefallen hat, hinterlasse mir bitte eine 5-Sterne-Bewertung, ein Feedback auf iTunes und abonniere diesen Podcast. Dadurch hilfst du uns den Podcast immer weiter zu verbessern und dir die Inhalte zu liefern, die du dir wünscht.

The ‘Everything to Everybody’ Project is recovering Birmingham’s unique heritage as home to the largest and oldest Shakespeare collection in any public library in the world. Recently, it has also begun to uncover the truly global influence and reach of this historic people’s Shakespeare library, which has holdings in some 93 languages. In a special History West Midlands film and two associated podcasts, the Project Director, Professor Ewan Fernie, and its American International Champion, Professor Katherine Scheil, share some of the excitement of re-establishing the links between Birmingham’s nineteenth-century Shakespeare heritage and the development of Shakespeare in America. In The Tempest, when she is faced with human society for the first time, Shakespeare’s cast-away Miranda says, “O brave new world / That has such people in’t!” Her father, Prospero, wearily replies, “’Tis new to thee.” But in the middle of the nineteenth century, George Dawson and the other founders of Birmingham’s pioneering Shakespeare library really believed Shakespeare could play a role in regenerating culture. Dawson regarded Shakespeare’s plays as “the newest Bible, the sweetest, truest teachings of the truths of the future that the world ever had.” When he crossed the Atlantic to visit America in 1874, he cemented relationships between British and American Shakespeareans which had lasting effects on America’s cultural institutions and landscape. While Fernie and Scheil’s new article on Shakespeare, Birmingham and America uncovers much of this lost history, it also shows that Dawson’s visit to the States exposed serious limitations to his “everything to everybody” ethos – limitations it is vitally important we acknowledge and move beyond today in favour of making culture more equal and inclusive.

The ‘Everything to Everybody’ Project is recovering Birmingham’s unique heritage as home to the largest and oldest Shakespeare collection in any public library in the world. Recently, it has also begun to uncover the truly global influence and reach of this historic people’s Shakespeare library, which has holdings in some 93 languages. In a special History West Midlands film and two associated podcasts, the Project Director, Professor Ewan Fernie, and its American International Champion, Professor Katherine Scheil, share some of the excitement of re-establishing the links between Birmingham’s nineteenth-century Shakespeare heritage and the development of Shakespeare in America. In The Tempest, when she is faced with human society for the first time, Shakespeare’s cast-away Miranda says, “O brave new world / That has such people in’t!” Her father, Prospero, wearily replies, “’Tis new to thee.” But in the middle of the nineteenth century, George Dawson and the other founders of Birmingham’s pioneering Shakespeare library really believed Shakespeare could play a role in regenerating culture. Dawson regarded Shakespeare’s plays as “the newest Bible, the sweetest, truest teachings of the truths of the future that the world ever had.” When he crossed the Atlantic to visit America in 1874, he cemented relationships between British and American Shakespeareans which had lasting effects on America’s cultural institutions and landscape. While Fernie and Scheil’s new article on Shakespeare, Birmingham and America uncovers much of this lost history, it also shows that Dawson’s visit to the States exposed serious limitations to his “everything to everybody” ethos – limitations it is vitally important we acknowledge and move beyond today in favour of making culture more equal and inclusive.

Florian Scheil ist bei IBM zuständig für die Unterstützung der Bundesbehörden und Ministerien bei der Digitalisierung. Zudem arbeiten sie dort mit Startups auch auf Bundesebene zusammen und unterstützen durch ihre Kompetenzen. U.a. haben sie beim Bundes-Hackathon mitgewirkt, an dem ja auch einige Gerlent-Mitglieder dabei waren. Wir sprechen mit ihm u.a. darüber, wie sich die Auswirkungen (beispielsweise unter Covid19) für die Bürger auf deren Zufriedenheitsindex auswirken. Habt ihr schon einmal etwas vom Onlinezugangsgesetz gehört? Auch darüber sprechen wir und diskutieren, warum Deutschland in der Digitalisierung weltweit eher in der unteren Tabellenhälfte zu finden ist. Aber sind wir nicht doch auf einem guten Weg in Deutschland? Die Shownotes: Kontaktmöglichkeiten: www.linkedin.com/in/florianscheil https://www.xing.com/profile/Florian_Scheil/cv IBM Work from Home Pledge:  https://www.linkedin.com/pulse/i-pledge-support-my-fellow-ibmers-working-from-home-during-krishna/?articleId=6662445805561016320WirvsVirus hackathon Handbook: https://docs.google.com/document/d/1MZD5xhYcqsLHmoojvWiymdTU7bxBSp1bVSpPox-OE6E/edit   Gerlent im Netz: Gerlent - German Talent Gerlent bei Facebook Abonniere den Podcast: Spotify iTunes Google RSS-Feed Kontaktiere den Podcast: podcast@gerlent.com Wir freuen uns immer über neue Gäste im Podcast. Wenn du Freelancer bist, Remote Worker oder dich als Unternehmer für "new work" einsetzt, melde dich gerne bei uns. Vielleicht bist du ja dann schon demnächst bei uns im Podcast als Gast!

This week, Hans and Robby discuss plans coming together, specifically, how having a plan for your income in retirement can reduce the tax you pay on your Social Security benefit. While only 13 states charge income tax on Social Security, the federal government will charge everyone who falls into their set threshold. Hans goes over these thresholds. If all you have to live off of is Social Security, you won’t pay taxes. It is when you throw other income in there that it can be complicated.    Don’t forget to get your copy of “The Complete Cardinal Guide to Planning for and Living in Retirement” on Amazon or on CardinalGuide.com for free!   You can contact Hans and Cardinal by emailing hans@cardinalguide.com or calling 919-535-8261. Learn more at CardinalGuide.com.

A lot of people have a bias against life insurance, but as Hans says, you need to look at the actual facts. Hans and Robby go over term vs whole life insurance and the myths surrounding both of these. They also discuss hybrid long term care insurance and the living benefits that come with it. There are even living benefits to whole life insurance, if you utilize it right, that will provide tax-free income in retirement. Life insurance can be abused, but that is not a reason to be scared of it.    Don’t forget to get your copy of “The Complete Cardinal Guide to Planning for and Living in Retirement” on Amazon or on CardinalGuide.com for free!   You can contact Hans and Cardinal by emailing hans@cardinalguide.com or calling 919-535-8261. Learn more at CardinalGuide.com.

In this second of two podcasts on the voyage to America made in 1874 by Birmingham's lost philosopher, Professor Ewan Fernie, Director of the ‘Everything to Everybody' Project, and the project's American Lead, Professor Katherine Scheil, continue their discussion with the Publisher of History West Midlands, Mike Gibbs.  In this episode,  they discuss how Dawson and Shakespeare reached the American frontier.  They bring out the wider impact of Birmingham's nineteenth-century culture on the developing cultural identity of the United States.  They unfold a range of intimate relationships between American Shakespeareans and Dawson.  And they discuss how Dawson's quiet right-hand man, the industrialist and bibliophile, Samuel Timmins, was also a major influence on American Shakespeareans.  Overall, this programme evokes an energetic transatlantic scholarly community reaching from Birmingham across America, an international Shakespearean fellowship who were working out a new culture for new times.  The podcast ends by dwelling on the implications of an exciting discovery recently made by Scheil and Fernie of some 300 letters by Samuel Timmins to the American Shakespearean, J. Parker Norris, in the Folger Shakespeare Library, now the greatest Shakespeare Library in the world.  As Scheil and Fernie explain, this is just one of the historic connections between Birmingham's great Shakespeare Library and America's, and it confirms a lost Shakespearean axis which links Birmingham to the cultural history of the United States. The ‘Everything to Everybody' Project is a major lottery-funded collaboration between the University of Birmingham and Birmingham City Council.  Dawson founded the world's first great Shakespeare Library in the city in 1864 and the project aims to unlock that pioneering public resource for all the citizens of contemporary Birmingham and to recover the ‘everything to everybody' ethos it embodies.  To get involved and for more podcasts, articles, films, Please see the project website: https://everythingtoeverybody.bham.ac.uk/.  Follow us on Twitter @E2EShakespeare. Keywords: George Dawson, Everything to Everybody, Professor Ewan Fernie, Joseph Chamberlain, Birmingham

The number one worry retirees face is outliving their money. Hans and Robby go through 2 examples of clients who faced this fear, one who did it early and one who did it late. While it is scary to face this fear head on, it is only going to benefit you the earlier you start the process of planning. While annuities get a bad rap, Hans goes through how, with the right plan and policy, annuities can give you a guarantee that you cannot outlive your money.  Don’t forget to get your copy of “The Complete Cardinal Guide to Planning for and Living in Retirement” on Amazon or on CardinalGuide.com for free! You can contact Hans and Cardinal by emailing hans@cardinalguide.com or calling 919-535-8261. Learn more at CardinalGuide.com. 

When you retire, your life goes through a huge season of change, especially when it comes to your finances. The recently passed Secure Act adjusted how this season can go for you and your income. The most notable adjustment comes to RMDs, or Required Minimum Distributions, for IRAs and 401(k)s. The required start age for these has now been pushed back to 72 from 70 ½ . While this could be considered a “tax break” by some, it is really important to look at this from a larger standpoint, including how you want to  pay taxes and leave money for your family. Hans talks about why it is important to look at not waiting until 72 to start taking money from your retirement accounts!  Don’t forget to get your copy of “The Complete Cardinal Guide to Planning for and Living in Retirement” on Amazon or on CardinalGuide.com for free! You can contact Hans and Cardinal by emailing hans@cardinalguide.com or calling 919-535-8261. Learn more at CardinalGuide.com. 

Home health care is the most popular choice when asking people how they would prefer to receive long term care services. It can also be one of the most expensive choices. Hans and Robby talk about what you can do now to plan for this cost as well as how Hans helps people who don’t plan ahead of time and are now in crisis. They go over prices of policies you can purchase to cover home health care as well as other ways you can prepare for this expense. Don’t forget to get your copy of “The Complete Cardinal Guide to Planning for and Living in Retirement” on Amazon or on CardinalGuide.com for free! You can contact Hans and Cardinal by emailing hans@cardinalguide.com or calling 919-535-8261. Learn more at CardinalGuide.com. 

IRMAA, or Income Related Monthly Adjustment Amount, is a Medicare tax on the wealthy.  IRMAA is a surcharge on Part B and Part D. It is based on your income from your tax returns 2 years prior, so in 2020 that is 2018’s tax return. Hans talks about clients he has had, that are normally surprised and angry about the charge. While some clients income has changed dramatically in 2 years, and therefore are able to appeal the charges, others just have a significant income in retirement. If that is the case, while it does not make sense to do your financial planning totally based on reducing IRMAA, there are smart strategies you can put into place to reduce your taxable income in retirement. Hans and Robby explore all those options!  Don’t forget to get your copy of “The Complete Cardinal Guide to Planning for and Living in Retirement” on Amazon or on CardinalGuide.com for free! You can contact Hans and Cardinal by emailing hans@cardinalguide.com or calling 919-535-8261. Learn more at CardinalGuide.com. 

Robby and Hans talk all about Social Security spousal benefits this week! If you have ever been married or will ever be married, spousal benefits will really matter in retirement, especially for your family. Hans goes over all the misconceptions that people have about spousal benefits, such as benefits for divorcees and widows, benefit amount for spouses, and what is the right age to take your check!  Don’t forget to get your copy of “The Complete Cardinal Guide to Planning for and Living in Retirement” on Amazon or on CardinalGuide.com for free! You can contact Hans and Cardinal by emailing hans@cardinalguide.com or calling 919-535-8261. Learn more at CardinalGuide.com. 

It’s 2020 and it is time to have a straight talk on taxes! Retirement changes taxes, that is a fact. Once you have different income sources, such as IRAs and Social Security, taxes are going to look really different. You are now in control of your income, at least part of it, and you need a plan.  Hans and Robby go over tax charts for 2020 and what they mean for you. One of the biggest suggestions Hans gives is to not be scared to pay a little more taxes now to live tax free in the future. Want to know why? Make sure you listen to the entire episode!  Don’t forget to get your copy of “The Complete Cardinal Guide to Planning for and Living in Retirement” on Amazon or on CardinalGuide.com for free! You can contact Hans and Cardinal by emailing hans@cardinalguide.com or calling 919-535-8261. Learn more at CardinalGuide.com. 

The Secure Act was passed in Congress at the end of 2019. It changed a few things related to retirement, including Stretch IRAs. Stretch IRAs now have to be emptied after 10 years. Hans and Robby go through what this means, how it affects you, and even strategies to put into place so you can avoid ever worrying about this! It is all for your family.  Don’t forget to get your copy of “The Complete Cardinal Guide to Planning for and Living in Retirement” on Amazon or on CardinalGuide.com for free! You can contact Hans and Cardinal by emailing hans@cardinalguide.com or calling 919-535-8261. Learn more at CardinalGuide.com. 

The SECURE Act was recently passed, making big changes to your IRAs and 401ks. Hans talks about what was changed, how this will affect you, and what you need to do. Important note: The SECURE act really does not have any affect on your Roth IRAs. If you have more questions about all of this, please reach out to us, we would be happy to go through everything with you!    Don't forget to get your copy of "The Complete Cardinal Guide to Planning for and Living in Retirement" on Amazon or on CardinalGuide.com for free!   You can contact Hans and Cardinal by emailing hans@cardinalguide.com or calling 919-535-8261. Learn more at CardinalGuide.com.   

Butt Dust? We know it sounds weird, but as always, Robby explains not only how this is relevant to scripture but how it is relevant to money, specifically IRAs! Hans talks about everything he learned at his tax conference recently that focused on how to maximize your use of IRAs, especially traditional vs. Roth IRAs.  Don’t forget to get your copy of “The Complete Cardinal Guide to Planning for and Living in Retirement” on Amazon or on CardinalGuide.com for free! You can contact Hans and Cardinal by emailing hans@cardinalguide.com or calling 919-535-8261. Learn more at CardinalGuide.com.   

Did you know Social Security can be taxed? Robby didn’t! Hans and Robby talk all about taxes, Social Security, and what you can do to either stop or lower these taxes.   Don’t forget to get your copy of “The Complete Cardinal Guide to Planning for and Living in Retirement” on Amazon or on CardinalGuide.com for free! You can contact Hans and Cardinal by emailing hans@cardinalguide.com or calling 919-535-8261. Learn more at CardinalGuide.com. 

This week, Hans, Robby, and guest Tom Griffith, CFP, talk all about the objections people give when discussing long term care. It is so important that you have a plan for it, no matter how rich or poor you are, no matter how healthy or sick you are, and no matter how much you think your kids will step in to take care of you.  Don’t forget to get your copy of “The Complete Cardinal Guide to Planning for and Living in Retirement” on Amazon or on CardinalGuide.com for free! You can contact Hans and Cardinal by emailing hans@cardinalguide.com or calling 919-535-8261. Learn more at CardinalGuide.com. 

Hans and Robbys discuss income tax for people who are retired this week on Finishing Well! Have questions? Please reach out - we would love to answer them on the show! Don’t forget to get your copy of “The Complete Cardinal Guide to Planning for and Living in Retirement” on Amazon or on CardinalGuide.com for free! You can contact Hans and Cardinal by emailing hans@cardinalguide.com or calling 919-535-8261. Learn more at CardinalGuide.com. 

Ever meet someone who has so much knowledge that they end up sounding like a windbag? Hans and Robby discuss how some consumer activists in the financial industry talk about life insurance and what they get wrong this week on Finishing Well. Life insurance sometimes gets a bad rap - it is too expensive, or a bad investment, or you don’t need it once you retire. Hans goes over where he agrees with these people, like about term insurance, and where he disagrees. People need life insurance in retirement. What is your family going to do when you die? This life insurance money provides immediate cash when needed most - and it is tax free!  Don’t forget to get your copy of “The Complete Cardinal Guide to Planning for and Living in Retirement” on Amazon or on CardinalGuide.com for free! You can contact Hans and Cardinal by emailing hans@cardinalguide.com or calling 919-535-8261. Learn more at CardinalGuide.com. 

Jesus was all about the fundamentals, as Robby shares on this week's show.  Hans is all about the fundamentals too, especially with Medicare. Consumers cannot really understand Medicare and what their coverage is until they understand the basics! Learn all about the parts, plans, and premiums of Medicare on this weekend episode of Finishing Well! We even talk about 2020 changes!    Don’t forget to get your copy of “The Complete Cardinal Guide to Planning for and Living in Retirement” on Amazon or on CardinalGuide.com for free!   You can contact Hans and Cardinal by emailing hans@cardinalguide.com or calling 919-535-8261. Learn more at CardinalGuide.com. 

Trust. It is one of the most important qualities a financial advisor can have. Robby talks to Hans about gaining this trust in his clients and what he does differently. Hans stresses that you have to find a financial advisor that is focused on more than investing your money, especially when you are in or near retirement, and is looking at the big picture. Retirement plans are different for every single person, and at Cardinal, our biggest focus is the income your money can produce and the longevity of it, more than the actual returns. We want to make sure that you have enough money to live comfortably throughout your retirement, no matter how long that is.  Don’t forget to get your copy of “The Complete Cardinal Guide to Planning for and Living in Retirement” on Amazon or on CardinalGuide.com for free! You can contact Hans and Cardinal by emailing hans@cardinalguide.com or calling 919-535-8261. Learn more at CardinalGuide.com. 

Everyone’s IRA is different, but yet they are still taking advice and facts from their friends and family. Hans and Robby address this issue as well as all the options you have for making the most of your IRA, by lowering your taxable income, not receiving penalties, and handling required minimum distributions.    First up is penalties for required minimum distributions. Some people have this idea that they never want to pay taxes so they are not going to touch their IRA. This is a mistake, as not taking out distributions after 70 ½ is going to land you with a huge penalty - 50% of the amount that  you were supposed to take out.    Are there any ways to avoid this penalty? The answer is yes! First up would be a roth conversion.  Most people’s IRA’s are traditional IRA’s, where you are putting tax-deferred money into the account and pay taxes when it comes out.  With Roths, you put taxes money in so your distributions are tax-free. This means you have no required amount that you have to take out. You can also leave this money to your heirs tax-free. They are so many other major advantages that Hans and Robby discuss!  QCD’s are also a way to get around required minimum distributions while also donating to charity!    Lastly, Hans and Robby discuss the question “ Do I have enough money to retire?”   Don’t forget to get your copy of “The Complete Cardinal Guide to Planning for and Living in Retirement” on Amazon or on CardinalGuide.com for free!   You can contact Hans and Cardinal by emailing hans@cardinalguide.com or calling 919-535-8261. Learn more at CardinalGuide.com. 

This week, Hans and Robby discuss foundational beliefs that are inaccurate. This happens in faith all the time, but it also happens with Social Security beliefs. Some people think you have to take it as early as you can, some think you have to delay it as late as you can. Do not make decisions with limited information from one or two people. Age relative to your needs, health, and your spouse, are really going to be the key to Social Security timing.    Hans and Robby get into the false Social Security beliefs people have told them over their life. They answer questions that include: When am I supposed to take my Social Security check? Can I take Social Security early if I am disabled? How does this affect my spouse? Should I take my Social Security early? Should I delay my Social Security? How do Medicare and Social Security work together? How does income planning and Social Security work together? Will Social Security pay my long term care bills?  How do Social Security spousal benefits work? Does my wife get my check?  Do I need life insurance if I have Social Security?   Don’t forget to get your copy of “The Complete Cardinal Guide to Planning for and Living in Retirement” on Amazon or on CardinalGuide.com for free!   You can contact Hans and Cardinal by emailing hans@cardinalguide.com or calling 919-535-8261. Learn more at CardinalGuide.com. 

If you look up the word “Love” and “Father” in Hebrew you’ll notice the Hebrew symbol for “household” in the middle of each. This week, Hans and Robby talk about the love and stewardship behind long-term care for the sake of your household.   Robby talks about a woman who told him about her mother’s declining health. Originally, she was going to have to take off work to take care of her mother. A few months ago, she was able to hire someone to help take care of her mother and it was a game-changer. She said she was able to have a healthy relationship with her mom again and both of their situations were so much better. 70% of couples over 65 will need some sort of long-term care option. Robby says if his friend’s mother had known the sacrifices that would be made to take care of her, she likely would’ve been interested in a long-term care policy before her health worsened.   This woman ended up using a short-term care policy she had bought a few years ago. The policy cost a little over $100 a month and resulted in her receiving $700/week to cover her daughter’s expenses and 52 weeks of care.   Robby talks about how many people fall and hurt themselves, including his relatives, as they get older. When this happens, they need significant time to heal. Medicare only pays for rehab a certain number of days which has put many of Robby’s friends in bad financial situations. Hans says 90% of people are without long-term care options and don’t realize they need it until it’s too late. Recently, he helped a couple use IRA money to offset expensive ALS care cost and also helped them purchase a life insurance policy for after he dies. Hans reassures listeners that if you’re in poor health and without long-term care insurance, there are other ways he can help.   Hans says most people buy long-term care insurance because they love their family and don’t want the burden of care to fall on their loved ones. Long-term care insurance can cover the expenses of a caretaker, and custodial care such as bathing, feeding, and dressing. This allows you to be there for the important part: your family’s emotional needs. Additionally, it releases your children for the guilt and shame many feel for not being able to adequately provide care for their parents by themselves.   Up next, Hans addresses some resources you can use to start tackling long-term care decisions. Hans wrote a workbook to put facts and figures in front of the reader and walk you through illustrations to demonstrate 10 or 12 policy options. These policies can cover everything from home health care and institutional care to providing indemnities (i.e. sending weekly checks to cover care needs, no receipts required). By meeting certain basic care or cognitive imperative conditions, you will qualify for your care benefits and simply receive the money to assist with care options. Hans wants listeners to know that they can get his book explaining these options a lot of different ways; by sending him an email, downloading the chapters from cardinalguide.com, or buying them from Amazon.   Hans then talks about hybrid policies, which are the merging of life insurance and long-term care options. These appeals to people who are afraid that they will pay into a long-term care policy and then die before receiving any money. Hybrid policies allow people to receive a tax-free death benefit early while still alive. Additionally, if never use your policy then your heirs will get the money you put in when you die. If you do use your long-term care options, then you can draw money from your hybrid policy for 4 years and your heirs will still get a small amount of money when you die. There are various ways to buy hybrids with single premiums and you can always customize them to meet your financial needs.   Robby quotes his old boss, saying: “If you think education is expensive, try ignorance.” Hans says this is relevant to the long-term care discussion because even though the insurance seems expensive to many now, it’s far cheaper than covering huge care expenses later on without insurance. Hans says insurance options can be purchased affordably by utilizing IRAs or moving similar assets around to help supplement costs. Long-term care is just a piece of a compressive retirement and financial plan, but to Hans, it’s the service he takes the most pride in because it helps his clients protect their families.   Learn more at CardinalGuide.com or call 919-535-8261. Hans can be reached at Hans@CardinalGuide.com.

Medicare Annual Open Enrollment is upon us and Hans and Robby dig into what you really need to know to come out with the best outcome. This season can bring a lot of confusion for Medicare enrollees. If you don’t have a good picture of where you currently are in Medicare, it is only going to make it harder. Find out how to identify what  plan you are on and what you need to do before December 7th!    Don’t forget to get your copy of “The Complete Cardinal Guide to Planning for and Living in Retirement” on Amazon or on CardinalGuide.com for free!   You can contact Hans and Cardinal by emailing hans@cardinalguide.com or calling 919-535-8261. Learn more at CardinalGuide.com. 

You cannot hide from taxes, they will catch up with you eventually. Some people push it off and decide they don’t want to pay them until later, or even pass them onto their children. If you take taxes head on, ask for advice, and put strategies into action for you individual situation, it can end up saving you money in the long run.  Hans and Robby start out talking about how low the tax rates currently are. Hans suggests for many of his clients that it is advantageous to pay more tax this year to pay less taxes in the future. A Roth IRA conversion is one way to do this. Hans has recently acquired a number of CPAs as clients.Hans has helped them do pretty advanced tax planning strategies, even though they are the tax expert. This includes strategies for Medicare tax, or IRMAA, and Social Security tax planning.  Taxes also come into play with long term care. Hans has a client who is a  CPA and was recently diagnosed with ALS. How is he going to pay for the care he is going to need? Hans goes over the strategy they devised, including the use of  IRAs, life insurance, and tax planning.  Lastly, Hans and Robby discuss QCDs, and how you can make charitable contributions to your Church tax-free.  Don’t forget to get your copy of “The Complete Cardinal Guide to Planning for and Living in Retirement” on Amazon or on CardinalGuide.com for free!

Life insurance. Everyone knows it provides great security to your family when you pass, but what many people don’t realize is that is can also provide great benefits while are living. Certain life insurance products and strategies allow you to take care of your family in life and in death. On this show, Hans and Robby go over the technical aspects of using life insurance for more than just a death benefit.    One of the purposes of “Finishing Well” is to teach, but we need to know what motivates you to look into life insurance to teach you about it properly. For some people, it is the peace of mind knowing their family will be okay when they pass. For others, the tax benefits, savings benefits, and retirement benefits motivate them to use life insurance as a product to expand their wealth. Hans tells a story about a client who was motivated by these reasons to get a hybrid long term care policy. The story ends with this client passing and having a huge benefit for his family, but it also led to Hans learning how to better educate clients on life insurance.    Hans and Robby go even further into hybrid long term care insurance products, specifically one that allows you to fund a life insurance death benefit with money from an IRA. This product also allows you to use the death benefit during your lifetime for long term care expenses tax free.    Hans understands that most people do not love insurance companies, but he also sees the good they provide. When you can find someone who represents enough companies that they can put your best interests first, you will end up with a much better outcome.    Don’t forget to get your copy of “The Complete Cardinal Guide to Planning for and Living in Retirement” on Amazon or on CardinalGuide.com for free!   You can contact Hans and Cardinal by emailing hans@cardinalguide.com or calling 919-535-8261. Learn more at CardinalGuide.com. 

This week on “Finishing Well”, Hans and Robby talk all about money: Is Your Money Serving You or Are You Serving Your Money? Hans and Robby go over a few stories of clients and how they made their money serve them, specifically with annuities. Hans explains a lot of people us annuities in the wrong way, as savings accounts instead of income. There is a lot of fear that comes with making your money last for the rest of your life, and we want to help you stop worrying about it!  Don’t forget to get your copy of “The Complete Cardinal Guide to Planning for and Living in Retirement” on Amazon or on CardinalGuide.com for free! You can contact Hans and Cardinal by emailing hans@cardinalguide.com or calling 919-535-8261. Learn more at CardinalGuide.com. 

This week, Hans and Robby take the show on the road. Hans is in Dallas at the Ed Slott Elite Advisor group for voluntary learning about everything IRAs! Learn about all the new updates to IRAs as well as taxes, distributions, and beneficiary forms!    Don’t forget to get your copy of “The Complete Cardinal Guide to Planning for and Living in Retirement” on Amazon or on CardinalGuide.com for free!   You can contact Hans and Cardinal by emailing hans@cardinalguide.com or calling 919-535-8261. Learn more at CardinalGuide.com. 

We are about to see a ton of ads during the Medicare Annual Enrollment Period, but what really is the reason for the season?  The season, which runs from October 15th through December 7th, is really a time to look at Part D Prescription Drug plans as well as Part C Medicare Advantage plans. Hans and Robby go over everything you need to know before the season begins! Medicare Annual Enrollment allows Medicare beneficiaries to change their coverage to, hopefully, make it work better for them through the next year. Part D Prescription Drug Plans can and, a lot of the time, should be changed every year due to the fact that companies change their formularies every year. Part C Medicare Advantage plans can also be changed during this season. You can switch from one Advantage plan to another. You can switch from a Supplement to an Advantage plan or you can switch from an Advantage plan to a Medicare Supplement. A lot of changing going on! The issues during Medicare Annual Enrollment arises when beneficiaries do not understand what they are getting into. Many are led astray by advertisements or agents who are not independent, and then they are stuck with a plan that does not work for them for a whole year. Hans wants everyone to make sure they understand what advantage plans are and what the disadvantages can be.  How does Medicare Annual Enrollment  differ from Initial Enrollment or Open Enrollment? Hans and Robby go over all the differences. Hans also stresses that Medicare Supplements can be shopped year round, not just during this Annual Enrollment Period. It is so important that you look into your Medicare Supplement every year or two to make sure you have the best and most affordable one on the market. Hans and Robby both tell stories of clients and family members who needed help with Medicare and what Cardinal was able to do. Medicare is a season of life, along with Social Security and Retirement. Robby suggests praying and figuring out how to advance the kingdom of God with the decisions that you make during Medicare season!   Don’t forget to get your copy of “The Complete Cardinal Guide to Planning for and Living in Retirement” on Amazon or on CardinalGuide.com for free! You can contact Hans and Cardinal by emailing hans@cardinalguide.com or calling 919-535-8261. Learn more at CardinalGuide.com. 

Americans are leaving millions of dollars on the table by taking Social Security early. On the Sermon on the Mount, Jesus says “But small is the gate and narrow the road that leads to life, and only a few find it.” 10% of Americans are actually finding the narrow gate of Social Security and taking it at the right time to maximize the benefit. Learn how to make the right Social Security timing decision with Hans and Robby!  When first deciding when to take your Social Security, Hans and Robby both have ideas about where to start. Hans says first to get your Social Security statement from SSA.gov. It will give you information about where you stand currently. Robby says to start in prayer to get direction on what you should do. Robby hopes this prayer ends in pointing you towards getting professional help if you decide you do not have the time or the expertise to put toward making the decision yourself.  Many people make decisions based on what their friends or family do, which Hans points out is never smart because they do not have the same earnings record or financial situation that you do. A lot of people take it early because they just want the money, some people go to the other extreme and wait until the last possible minute.  There are 96 months that you can elect Social Security, and if you have already chosen to elect, it is not too late to change your decision. Hans tells a story about clients who have elected and then realized that they did it too early. The Social Security Administration will actually let you undo your election within a year, but you do have to pay back all the benefits you have already received.  There are a lot of rumors that Social Security is going away. People use this to justify spontaneous decisions about their Social Security. The government is in the process of addressing people’s fear about Social Security, but nothing is set in stone. Hans explains why it is not worth it to worry about this when making your Social Security elections.   Don’t forget to get your copy of “The Complete Cardinal Guide to Planning for and Living in Retirement” on Amazon or on CardinalGuide.com for free! You can contact Hans and Cardinal by emailing hans@cardinalguide.com or calling 919-535-8261. Learn more at CardinalGuide.com. 

Paul, on the road to Damascus, was struck blind and Jesus said to him, "Why do you kick against the Goad?" Kicking against the goad causes pain. It is meant to train for discipline; you learn to not kick against it. Hans is a goad for retirement planning (especially for Robby). You have to stop pushing off these issues, and instead develop some discipline around getting your finances in order to finish well. The largest goad people kick against in this instance is long term care insurance.    Before you need long term care insurance, you need a plan for long term care. The insurance is not the plan, it just makes the plan possible. What you really need is a plan for your family, because they are going to be caregivers, and they need the funding for your long term care plan.    Medicare does not pay for long term care. As Robby brings up, they might pay a small amount, but not the large bulk of it. If you just need assistance with some of the Activities of Daily Living (Bathing, Dressing, Contince), which is what most people need toward the end of their life, Medicare will not pay for this, but long term care insurance will.    Robby and Hans discuss both of their experiences trying to take care of their parents. It is much harder than most people think. Robby talks about one time he had to lift his father out of bed and it was almost impossible. He needed help.    Hans talks about some clients that he has, who after initially using Cardinal for Medicare supplements, ended up using Cardinal for a plan for long term care. They really did not want to talk about it, but 6 years after meeting Cardinal, they decided that long term care insurance was something they needed, but only after developing some health issues since their first meeting. This made it much more complicated and expensive, but Cardinal was still able to get them issued. All this really developed from them kicking against the goad of long term care and not being trained to stop for many years. Robby talks about his own situation. He does not have long term care insurance, or a plan for it. He wants the good feeling that comes from having everything taken care of. He is thinking about hybrid long term care insurance, so if he doesn't end up using the long term care benefit, his family gets a large lump of money when he passes.    We want to help you figure out how to get long term care into your plan to finish well. Long term care is so important to have a plan for, and most people don't. If this is your goad, let us help you.    Don't forget to get your copy of "The Complete Cardinal Guide to Planning for and Living in Retirement" on Amazon or on CardinalGuide.com for free!   You can contact Hans and Cardinal by emailing hans@cardinalguide.com or calling 919-535-8261. Learn more at CardinalGuide.com. 

Isaiah 11:1-3 says the seven anointings of the Holy Spirit are wisdom, understanding, council, might, knowledge, fear of the Lord, delight in the fear of the Lord. Robbie believes Hans reflects these virtues through his dedication to advising his clients well by staying up-to-date on the retirement industry and adhering to Christian standards. This week, Hans and Robbie want to keep listeners up-to-date with the SECURE Act and how it will change taxes in retirement.   Before continuing, Hans asks listeners to take a moment and pray for Tom Griffith, one of Cardinal's advisors and a regular guest on the show. Tom's in the hospital this week treating a relapsing health issue. Cardinal appreciates all thoughts and prayers on behalf of Tom and his family.   The SECURE Act has passed the House and is currently stalled in the Senate. Hans suspects it will pass and the President will sign it this fall. The SECURE Act simplifies retirement planning particularly for people planning on working past the retirement age and moves the minimum distribution age up. It changes how inherited IRAs are withdrawn from and limits stretching to 10 years. This change is not necessarily good or bad, the goal is to plan around it so the change isn't detrimental to you or your estate.   Another act being discussed is the Social Security 2100 Act. Hans says that he thinks there's less of a chance it will pass, but will monitor this and all new acts that could implicate retirement changes and will factor them into planning.   Next, Hans says there's a new tax law that changes the standard deduction to about $26,000 for married couples and $14,000 for individuals. For people in retirement, this might affect how you think about your mortgage. House interest won't be deductible because of the $26,000 or $14,000 that qualifies for deductible anyways, so it's smart to pay off your mortgage and own your house to get that extra income.   Hans will wait until 70 to start his Social Security to make his check as big as possible and his goal is to pay zero taxes on it. He wants to have other income beside Social Security that's tax-free as well. You can have additional income up to $27,000 tax-free. Income beyond that includes a small tax rate. By converting your IRA to a Roth, you can withdraw additional tax-free money to supplement your income. Hans plans to leave his Roth to his kids and will keep a small fund in his traditional IRA to leave a qualified charitable distribution to his church.   However, if you still have a large source of retirement income (i.e. you own a business) then you're going to pay taxes. Effective planning is about figuring out how to implement what you want financially and protecting you from what you don't want in the context of your situation. Hans emphasizes that this is why taxes are the seventh and final worry he talks about in his book. Taxes are on his mind from the beginning but he doesn't want to mislead clients that they're the "end-all-be-all" or unintentionally encourage bad investments such as tax sheltering. Robby says God commands rest because your life is under His control and it will work out for your good. That's why God places people like Hans in areas of expertise. Robbie wants listeners to know that Hans won't chase you down because he's busy studying the market and meeting his client's needs. Hans is happy to help if you would like his service or direct you to another advisor who also knowledgeable and will put your needs first.   Don't forget to get your copy of "The Complete Cardinal Guide to Planning for and Living in Retirement" on Amazon or on CardinalGuide.com for free!   You can contact Hans and Cardinal by emailing hans@cardinalguide.com or calling 919-535-8261. Learn more at CardinalGuide.com.   

Proverbs 15:22 says "Plans fail for lack of counsel, but with many advisers they succeed."  This week, Tovah Mitchell, elder law and estate planning attorney, joins Hans and Robby as an adviser to help you succeed in finishing well. She covers everything from power of attorneys to stock certificates and taxes.     Estate planning is for everyone. Once you turn 18, you're an adult. Your parents cannot help you unless you have the documents in place. Tovah does say it is important to remember that estate plans do not just involve legal documents though, you have to consider what life insurance you have, your IRA holdings, you Social Security benefit, and so much more. This is why it is so advantageous to have a financial planner and attorney who can work together to come up with a complete plan for finishing well.    Do you know which document is the most important legal document? Tovah says it is the Financial Power of Attorney, or Durable Power of Attorney. This makes sure that someone you trust can take care of your finances when you cannot. A Healthcare Power of Attorney is another important document everyone needs to have in place.If you go to the hospital, it allows someone to advocate for you to make sure you receive the care that you want. But how do you pick the person or persons to designate? Tovah goes over the advice she gives her clients.    You also need a HIPAA release as well as a Last Will and Testament. Make sure to review and update these on a regular basis. At Cardinal, when new clients come in, Hans makes sure to look through their legal documents to make sure everything is correct, especially if they have recently moved, been married or divorced, or a close family member has passed away.    Lastly, Hans and Tovah discuss clients that they had to work on together, which involves how estates handle stock certificates as well as what can go wrong with your estate if you do not pay your taxes properly.    Don't forget to get your copy of "The Complete Cardinal Guide to Planning for and Living in Retirement" on Amazon or on CardinalGuide.com for free!   You can contact Hans and Cardinal by emailing hans@cardinalguide.com or calling 919-535-8261. Learn more at CardinalGuide.com. 

In Matthew 5:18, Jesus says "For verily I say unto you, till heaven and earth pass, one jot or one tittle shall in no wise pass from the law, till all be fulfilled". In other words, God's law won't change in the slightest until the end of days. Similarly, the jots and tittles that name IRA beneficiaries are the letter of the law and will supersede your Will and financial intentions.   Recently, at a conference hosted by Ed Slott, Tom said he learned that a court will uphold your IRA's listed beneficiaries over the those listed on your will. It can be heartbreaking when mothers and wives who need that money to support their families don't get it but an ex-wife does. People often make the mistake of naming someone as their beneficiary at their first job and then forgetting to change it when they get married, have children, or their life situation otherwise changes.   Hans says most financial accounts, including life insurance, annuities, and investment have some sort of beneficiary you can name. For investments, this is called a Transfer on Death or TOD. Tom says most clients don't know this because these institutions typically don't provide these forms up front. However, these forms are available upon request and can be filled out quickly. This saves families a lot of trouble getting money out of the bank when someone dies; they don't have to figure anything out and can claim what's rightfully theirs.   Hans says some people make the mistake of listing the estate as a beneficiary. In that scenario, taxes will be due on your IRA all at once in a lump sum. This will drastically decrease the amount of money you may have intended to be left to your heirs. Robby says his own father labeled a trust he wanted to create as his beneficiary, but that trust was never actually created.    Tom says most people want to focus on IRA investments but, in reality, IRA taxes are by far the most discussed issue by experts and will affect heirs the most. Hans says while the goal is to minimize the taxes on your IRA, you will have to pay some taxes in the future no matter what. Consumers need strategies on how to manage their IRAs and advisers need to be informed at risk of malpractice for poorly handling these accounts.   Hans says he knew of an advisor who had failed to transfer a client's beneficiaries when he switched jobs. As a result, when the client died, the money was left to his estate and virtually wiped out by taxes. If the money had been left to the children as intended, they could've stretched the IRA over their lifetimes and greatly increased the amount of money inherited. The adviser ended up being charged with malpractice.   Tom says that while Roth IRAs are a great strategy when appropriate, they're not for everybody. Your retirement plan should be highly individualized for your situation. For some, Roth IRAs don't make sense because you can still make a lot of money and stay within lower tax brackets. Also, at age 70 1/2 you can donate up to $100K of your minimum distribution to your church or charity without paying taxes.   Don't forget to get your copy of "The Complete Cardinal Guide to Planning for and Living in Retirement" on Amazon or on CardinalGuide.com for free!   You can contact Hans and Cardinal by emailing hans@cardinalguide.com or calling 919-535-8261. Learn more at CardinalGuide.com.   

In the Sermon on the Mount, Jesus said, "Blessed are the poor in spirit, for theirs is the kingdom of heaven". Robby points out that we should recognize that we are "poor in spirit" when deciding when to take our Social Security and ask for help. Bloomberg recently published an article titled "American's lose trillions claiming Social Security at the wrong time". Hans agrees that generally, people start their Social Security too soon, usually because they did not ask for help.    People who delay Social Security can live off their IRAs or take another job if they don't want to retire yet. Hans emphasizes that, on average, households that take Social Security too early lose $110,000 of lifetime income. Robby talks about how it's often the people who can least afford this loss that take Social Security too early because they think they're out of options.   Mistakes are also made under the misconception that the full retirement age is 62, when in fact it's now 66 and a few months for most people. Hans warns that starting your Social Security at age 62 will significantly reduce your income for the rest of your life.   On the other end of the spectrum, the people who take Social Security too late are those who rely on actuarial tables that treat everyone the same and don't accommodate unique situations. Hans says one exception to the rule are people who have a sense of their mortality. For those who have a family history that indicates they won't live as long, he recommends they take Social Security earlier rather than later.   Another example of a situation where Social Security should be taken earlier appears in Hans' book. Hans talks about a 67-year-old client that initially decided to delay Social Security. As it turns out, this client had a son in high school and was eligible to receive 1.5x his original Social Security benefits. Hans prompted the client to take his Social Security immediately because the benefits were greater than the loss he would've otherwise had from taking it that early.   One area where Hans deferred from Bloomberg was on the topic of spousal benefits. Robby plans on waiting until the age of 70 to take his Social Security to ensure his younger wife will receive a larger check after he's gone. Hans says he also plans on waiting until he turns 70 because his wife's family history indicates that she'll live into her mid-90s and he wants her to have enough money to support herself during these extra years.   Up next, Hans talks about the effect taxes have on Social Security, IRA, and pension benefits. Hans says a lot of people don't know that receiving income from a traditional IRA will cause their Social Security to be taxed. Robby says this really hurt one of his friends and took a huge chunk of his income. The solution to this problem is converting your IRA account into a tax-free Roth IRA before retiring. Hans says he plans on doing this before he turns 70 to live tax-free for the rest of his life.   Hans wants his listeners to know that Cardinal is licensed in all 50 states and can help no matter where you live over the phone. Even if you have to give up is a face-to-face interaction, you'll have access to an independent brokerage that represents almost all insurance companies, most investment products, and will have direct access to Hans' expertise.    Don't forget to get your copy of "The Complete Cardinal Guide to Planning for and Living in Retirement" on Amazon or on CardinalGuide.com for free!   You can contact Hans and Cardinal by emailing hans@cardinalguide.com or calling 919-535-8261. Learn more at CardinalGuide.com. 

Hi Sounds Sweet folks, today on the podcast we discuss the value of money. No really!! Chad Schiel, who is a personal finance consultant, made a bunch of animated videos designed to help children with money management. On the show we discuss the power of pennies, having three piggy banks, and how daughters own their dads. Own Them! To find Chad's videos got to THIS page on YouTube.