Podcasts about Social Security Administration

Priscila “Pri” Cosentino is the Founder and Financial Advisor at Fern Prosperity, an advisory firm dedicated to helping individuals pursue their financial goals through integrated planning strategies and personal development. With over a decade of professional experience in finance, advertising, events, and retail across Brazil and the United States, Pri brings a holistic perspective to financial planning and personal growth.Pri was mentored for more than ten years by an experienced financial advisor, during which time she developed the WISE Method™—a planning framework based on Wisdom, Insight, Strategy, and Enjoyment. This approach is designed to help clients consider how to align their financial decisions with their values and long-term vision.Pri holds a degree from the University of Central Florida (UCF) and an MBA in Neuroscience and Human Behavior from UniF. Her education combines financial planning with behavioral science, which supports her work in helping clients make informed decisions about money, life, and legacy.As an Advisor, Pri applies the W.I.S.E. Planning™ methodology when building personalized strategies that may address areas such as income planning, tax considerations, estate and legacy planning, and personal development. She works with a diverse and global clientele, offering services in English, Portuguese, German, and Spanish.Pri is also an author and speaker who shares insights on financial planning and personal development. Her professional philosophy emphasizes clarity, a client-first focus, and values-based planning.Outside of her professional work, Pri is a committed learner, traveler, and cultural enthusiast. She enjoys fitness, thoughtful conversations about business and purpose, and is the proud dog mom of Tish, Weiße, Pkna, and Traya.Learn More: https://pricosentino.com/Fern Prosperity, LLC and Pri Cosentino are not affiliated with the Social Security Administration or any government agency. This content is intended strictly for educational purposes and should not be construed as individualized investment advice. Any decisions related to Social Security, retirement, or financial planning should be made in the context of a comprehensive plan and in consultation with a qualified advisor. Investment advisory services are offered through Virtue Capital Management, LLC (VCM), a registered investment advisor. Fern Prosperity, LLC and VCM are independent entities. Investing involves risk, including the potential loss of principal. Past performance is not indicative of future results, and no investment strategy can guarantee a profit or protect against loss during periods of market decline. None of the information presented shall constitute an offer to sell or a solicitation of an offer to buy any security or insurance product. References to protection benefits or reliable income streams relate exclusively to fixed insurance products and not to securities or investment advisory services. Annuity guarantees are subject to the financial strength and claims-paying ability of the issuing insurance company. Annuities are insurance products and may be subject to fees, surrender charges, and holding periods, which vary by insurance carrier. Annuities are not FDIC-insured. Information and opinions provided by third parties have been obtained from sources believed to be reliable, but Fern Prosperity, LLC makes no representation as to their accuracy or completeness. Content is provided for informational purposes only and should not be the sole basis for any financial decision, nor should it be interpreted as advice tailored to the specific needs of an individual's situation. Third-party ratings, awards, or recognitions are not guarantees of future investment success and should not be construed as endorsements of Pri Cosentino or Fern Prosperity, LLC. They do not ensure that a client or prospective client will achieve a higher level of performance or results. Such ratings are not indicative of any one client's experience and should not be considered a testimonial.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-pri-cosentino-founder-financial-advisor-at-fern-prosperity-discussing-maintaining-lifestyle-and-legacy-in-retirement

Priscila “Pri” Cosentino is the Founder and Financial Advisor at Fern Prosperity, an advisory firm dedicated to helping individuals pursue their financial goals through integrated planning strategies and personal development. With over a decade of professional experience in finance, advertising, events, and retail across Brazil and the United States, Pri brings a holistic perspective to financial planning and personal growth.Pri was mentored for more than ten years by an experienced financial advisor, during which time she developed the WISE Method™—a planning framework based on Wisdom, Insight, Strategy, and Enjoyment. This approach is designed to help clients consider how to align their financial decisions with their values and long-term vision.Pri holds a degree from the University of Central Florida (UCF) and an MBA in Neuroscience and Human Behavior from UniF. Her education combines financial planning with behavioral science, which supports her work in helping clients make informed decisions about money, life, and legacy.As an Advisor, Pri applies the W.I.S.E. Planning™ methodology when building personalized strategies that may address areas such as income planning, tax considerations, estate and legacy planning, and personal development. She works with a diverse and global clientele, offering services in English, Portuguese, German, and Spanish.Pri is also an author and speaker who shares insights on financial planning and personal development. Her professional philosophy emphasizes clarity, a client-first focus, and values-based planning.Outside of her professional work, Pri is a committed learner, traveler, and cultural enthusiast. She enjoys fitness, thoughtful conversations about business and purpose, and is the proud dog mom of Tish, Weiße, Pkna, and Traya.Learn More: https://pricosentino.com/Fern Prosperity, LLC and Pri Cosentino are not affiliated with the Social Security Administration or any government agency. This content is intended strictly for educational purposes and should not be construed as individualized investment advice. Any decisions related to Social Security, retirement, or financial planning should be made in the context of a comprehensive plan and in consultation with a qualified advisor. Investment advisory services are offered through Virtue Capital Management, LLC (VCM), a registered investment advisor. Fern Prosperity, LLC and VCM are independent entities. Investing involves risk, including the potential loss of principal. Past performance is not indicative of future results, and no investment strategy can guarantee a profit or protect against loss during periods of market decline. None of the information presented shall constitute an offer to sell or a solicitation of an offer to buy any security or insurance product. References to protection benefits or reliable income streams relate exclusively to fixed insurance products and not to securities or investment advisory services. Annuity guarantees are subject to the financial strength and claims-paying ability of the issuing insurance company. Annuities are insurance products and may be subject to fees, surrender charges, and holding periods, which vary by insurance carrier. Annuities are not FDIC-insured. Information and opinions provided by third parties have been obtained from sources believed to be reliable, but Fern Prosperity, LLC makes no representation as to their accuracy or completeness. Content is provided for informational purposes only and should not be the sole basis for any financial decision, nor should it be interpreted as advice tailored to the specific needs of an individual's situation. Third-party ratings, awards, or recognitions are not guarantees of future investment success and should not be construed as endorsements of Pri Cosentino or Fern Prosperity, LLC. They do not ensure that a client or prospective client will achieve a higher level of performance or results. Such ratings are not indicative of any one client's experience and should not be considered a testimonial.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-pri-cosentino-founder-financial-advisor-at-fern-prosperity-discussing-maintaining-lifestyle-and-legacy-in-retirement

Ralph welcomes Michael Mann, Professor in the “Department of Earth and Environmental Science” at the University of Pennsylvania and author along with Dr. Peter Hotez of “Science Under Siege: How to Fight the Five Most Powerful Forces that Threaten Our World.” Then we are joined by Martin O'Malley, former governor of Maryland and one time Commissioner of the Social Security Administration to refute all the lies being told about the state of Social Security.Dr. Michael E. Mann is Presidential Distinguished Professor in the “Department of Earth and Environmental Science” at the University of Pennsylvania. He is a co-founder of the award-winning science website RealClimate.org, and the author of more than 200 peer-reviewed and edited publications, numerous op-eds and commentaries, and seven books, including “Science Under Siege: How to Fight the Five Most Powerful Forces that Threaten Our World” (co-authored with Dr. Peter Hotez).It's the five actors that we talk about, the five forces that threaten our world: the Plutocrats, the Petro States, the Polluters, the Propagandists, and yes, the Press, not all media outlets, but many of them, including even what we used to think of as legacy. Objective news outlets like the New York Times and the Washington Post too often engage in what we call performative neutrality, where anti-science positions are placed on an equal footing with the overwhelming consensus of the world's scientists.Dr. Michael MannPeople like to finger point at China, which currently is the largest emitter (of greenhouse gases) because they industrialized much later than the United States, more than a century later. But their trajectory is actually a downward trajectory. They've contributed far less carbon pollution to the atmosphere than we have, and they're taking greater action.Dr. Michael MannThe United States doesn't get to determine the future course of human civilization at this point. It's going to be the rest of the world. All the United States gets to determine is whether it's going to be on the front line of the clean energy transition, the great economic development of this century, whether they're going to be on board or left behind.Dr. Michael MannMartin O'Malley served as Commissioner of the Social Security Administration from December 20, 2023 to November 29, 2024. He previously served as Governor of Maryland from 2007 to 2015, following two terms as Mayor of the City of Baltimore.Once they (the Trump Administration) got rid of the heads of all of the offices of Inspectors General, they started launching these big lies, like the lie that there are 12 million dead people that continue to receive checks. And as Trump said himself to Congress, some of them are as much as 300 years old, which would have had them here for the founding of Jamestown.Martin O'MalleyThey (Republicans) are trying to wreck it (Social Security), wreck its reputation, wreck its customer service, so then they can rob it.Martin O'MalleyNews 10/3/25* Our top story this week is President Trump's chilling speech to the military high command, in which he proclaimed that “America is under invasion from within,” per PBS. Trump went on to say that he plans to use American cities – citing Chicago, San Francisco, and Portland – as “training grounds for our military.” Warning against conscientious objections by the military to this weaponization against domestic opponents, Trump added “I'm going to be meeting with generals and with admirals and with leaders. And if I don't like somebody, I'm going to fire them right on this spot.” Secretary of Defense Pete Hegseth, who has recently styled himself Secretary of War, reiterated this message, saying “if the words I'm speaking today are making your heart sink, then you should do the honorable thing and resign.” In terms of actual policy, a new draft National Defense Strategy calls for prioritizing defense of the “homeland,” over potential foreign threats, such as from China, per POLITICO. The administration followed up this declaration with a dystopian deployment in Chicago, where federal agents rappelled down from helicopters to raid a South Side apartment building, arresting Venezuelan migrants and Black American citizens alike. In a statement given to ABC7 Chicago, one man detained by feds stated “They had the Black people in one van, and the immigrants in another.” Illinois Governor J.B. Pritzker decried the presence of “jackbooted thugs roaming around a peaceful downtown,” and demanded federal troops “Get out of Chicago...You are not helping us,” per the New York Times.* Speaking of conflicts abroad, this week Trump unveiled his proposal for a peace deal in Gaza. According to CNN, “The plan calls for Israel to release 250 Palestinian prisoners with life sentences, as well as 1,700 Palestinians detained since the start of the war, in exchange for Hamas freeing 48 hostages.” Once these exchanges have been completed, Israel is to gradually withdraw from Gaza and turn over administration of the enclave to a “Board of Peace,” which will include Trump himself along with former British Prime Minister Tony Blair, in a bizarre historical echo of the British mandatory rule over Palestine. If this process proceeds, it will supposedly create “a path for a just peace on the basis of a two-state solution.” The odds of success however are slim.* In more Gaza news, the Global Sumud Flotilla has been intercepted off the coast of Gaza and Israel has detained the activists on board. Video evidence shows the IDF detaining activist Greta Thunberg specifically. According to Congresswoman Rashida Tlaib, “The Israeli government has illegally abducted over 450 participants of the Global Sumud Flotilla, including nearly two dozen U.S. citizens…We must demand their immediate release and their protection from abuse and torture in Israeli detention. End the siege and genocide of Gaza now.” According to the Flotilla organizers, one of the ships – the Mikeno – got as close as 9.3 miles from the coast, within Gaza's territorial waters, before they lost its signal. While disappointing, given that this is the largest aid flotilla to Gaza in history and came so close to the shore, it seems that at least the flotilla gave fishermen in Gaza the opportunity to go out on the water without interference from the Israeli navy – a crack in the all-encompassing blockade.* Meanwhile, Fox News reports that Israeli intelligence hijacked all cellphones in Gaza in order to forcibly broadcast Prime Minister Netanyahu's United Nations General Assembly speech last week, in which he accused the leaders of western nations who recently recognized the state of Palestine – France, Australia, and the U.K. among others – of being “Leaders who appease evil rather than support a nation whose brave soldiers guard you from the barbarians at the gate,” adding, “They're already penetrating your gates. When will you learn?” Netanyahu's speech was also blasted into Gaza via loudspeakers on the Israeli side of the border. The families of the hostages still held in Gaza released a statement decrying this provocative action, writing “We know from our children…that the loudspeakers were placed inside Gaza. This action endangers their lives, all for the sake of a so-called public diplomacy campaign to preserve [Netanyahu's] rule…He is doing PR at the expense of our children's lives and security. Today we lost the last shred of trust we had in the political echelon and in the army leaders who approved this scandalous operation.”* In Latin America, Trump is planning to bailout Argentina, which has suffered tremendous economic shocks under the stewardship of radical Libertarian President Javier Milei. According to Newsweek, Treasury Secretary Scott Bessent has offered Argentina a, “$20 billion swap line and other forms of assistance to help stabilize the Argentine peso, and said the U.S. remained ‘prepared to do what is necessary' to sustain the ‘important strides' taken by Milei.” This kind of ideologically driven foreign assistance flies in the face of Trump's supposed “America First” policies, but beyond that it has infuriated domestic interests, especially in the agricultural sector. American Soybean Association President Caleb Ragland posted a statement reading, “The frustration is overwhelming…U.S. soybean prices are falling, harvest is underway, and farmers read headlines not about securing a trade agreement with China, but that the U.S. is extending…economic support to Argentina.” This is a particular twist of the knife because following Trump's offer, Argentina lowered export restrictions and sent “20 shiploads of Argentine soybeans to China in just two days.” Republicans representing agricultural interests share this fury. Iowa Senator Chuck Grassley wrote “Why would [America] help bail out Argentina while they take American soybean producers' biggest market???...We should use leverage at every turn to help [the] hurting farm economy. Family farmers should be top of mind in negotiations by representatives of [the] USA.” North Dakota Representative Julie Fedorchak added “This is a bitter pill for North Dakota soybean farmers to swallow.”* Moving on from foreign affairs, this week saw the release of a new batch of Epstein files, demanded by Democrats on the House Oversight Committee and turned over by the Jeffrey Epstein Estate. These files include “phone message logs, copies of flight logs and manifests for aircraft,” along with “copies of financial ledgers and Epstein's daily schedule.” These new releases implicate many big names, including Elon Musk, Peter Thiel, Steve Bannon, and well-documented Epstein associate, Prince Andrew of the British royal family, per the BBC. The release of these files is the latest victory in the campaign to expose everyone involved with Epstein's underage sex ring, a campaign Republicans in government – led by President Trump – have resisted. According to the Hill, Speaker Mike Johnson is refusing to allow the swearing-in of Adelita Grijalva, who was elected last week in a special election to fill the seat vacated by her father's death. In this move, many see an attempt by Speaker Johnson to stave off the discharge petition to release the Epstein files. Grijalva has already committed to signing the petition.* In the wake of the Charlie Kirk assassination, Republicans have hammered the left for what they see as violent rhetoric, with the White House going so far as to classify certain ideas – among them anti-fascism, anti-capitalism and “extremism on migration, race, and gender” – as potentially punishable under domestic terrorism laws. Meanwhile, however, the Arizona Mirror reports a Republican lawmaker in the state has called for the Washington Democratic Congresswoman Pramila Jayapal to be “tried convicted and hanged.” The lawmaker, state Representative John Gillette, was responding to a video in which Jayapal counseled protestors on “non-violent resistance” to Trump's policies. Gillette on the other hand has vocally supported the January 6th insurrectionaries, labeling them “political prisoners” and calling for their release. Asked for comment, Gillette said “The comment is what it is.” For her part, Congresswoman Jayapal has called for “All political leaders, of all parties, [to] denounce” these comments.* Turning to local news, incumbent New York City Mayor Eric Adams has dropped his bid for reelection, Reuters reports. Adams has been mired in scandal of all kinds, including a federal indictment for bribery. Speculation abounds as to why he chose to suspend his campaign now. It is too late to take his name off of the ballot and he declined to endorse any other candidate, making it unlikely that he did so to bolster the chances of disgraced former Governor Andrew Cuomo, who is still continuing his independent bid for the mayoralty despite lagging behind Democratic nominee Zohran Mamdani by a substantial margin. On the other hand, Adams has previously been offered incentives by President Trump to drop out of the race, including potential protection from prosecution and an ambassadorial post in Saudi Arabia. Curtis Sliwa, the Republican nominee, claims “Seven different people,” have offered him a “total of $10 million,” to withdraw from the race, but he adamantly refuses to do so, saying “you can't bribe me, buy me, lease me, I'm not for sale.” This from the New York Post.* Next, on September 25th, Black liberation activist Assata Shakur passed away at the age of 78, per Democracy Now!. Shakur had been convicted of killing a New Jersey state trooper in 1973, though serious doubts remain about her role in the death. She escaped from prison in 1979 and fled to Cuba, where she received asylum in 1984 and continued to maintain her innocence until her death. In 1998, Pope John Paul II visited Cuba and faced calls to demand Assata's extradition to the United States to “face justice” for the murder. In a highly-publicized letter, Assata wrote “The New Jersey State Police and other law enforcement officials say they want to see me brought to ‘justice.' But I would like to know what they mean by ‘justice.' Is torture justice?... When my people receive justice, I am sure that I will receive it, too.” Rest in power, Assata.* Our final story comes to us from, where else, but Hollywood. Variety reports, AI production studio Particle6 has created an AI “actress” who is “named” Tilly Norwood and thereby created a firestorm within the entertainment industry. Tilly's creator, Eline Van der Velden argues that she sees, “AI not as a replacement for people, but as a new tool…Just as animation, puppetry, or CGI opened fresh possibilities without taking away from live acting…nothing – certainly not an AI character – can take away the craft or joy of human performance.” However, SAG-AFTRA – the union representing screen actors – has issued a blistering statement, writing “To be clear, ‘Tilly Norwood' is not an actor, it's a character generated by a computer program that was trained on the work of countless professional performers — without permission or compensation…It has no life experience to draw from, no emotion and, from what we've seen, audiences aren't interested in watching computer-generated content untethered from the human experience.” The statement continues, “It doesn't solve any ‘problem' — it creates the problem of using stolen performances to put actors out of work, jeopardizing performer livelihoods and devaluing human artistry.” This episode is simply the latest clash within the entertainment industry between workers and the rising tide of AI. It will not be the last.This has been Francesco DeSantis, with In Case You Haven't Heard. Get full access to Ralph Nader Radio Hour at www.ralphnaderradiohour.com/subscribe

Priscila “Pri” Cosentino is the Founder and Financial Advisor at Fern Prosperity, an advisory firm dedicated to helping individuals pursue their financial goals through integrated planning strategies and personal development. With over a decade of professional experience in finance, advertising, events, and retail across Brazil and the United States, Pri brings a holistic perspective to financial planning and personal growth.Pri was mentored for more than ten years by an experienced financial advisor, during which time she developed the WISE Method™—a planning framework based on Wisdom, Insight, Strategy, and Enjoyment. This approach is designed to help clients consider how to align their financial decisions with their values and long-term vision.Pri holds a degree from the University of Central Florida (UCF) and an MBA in Neuroscience and Human Behavior from UniF. Her education combines financial planning with behavioral science, which supports her work in helping clients make informed decisions about money, life, and legacy.As an Advisor, Pri applies the W.I.S.E. Planning™ methodology when building personalized strategies that may address areas such as income planning, tax considerations, estate and legacy planning, and personal development. She works with a diverse and global clientele, offering services in English, Portuguese, German, and Spanish.Pri is also an author and speaker who shares insights on financial planning and personal development. Her professional philosophy emphasizes clarity, a client-first focus, and values-based planning.Outside of her professional work, Pri is a committed learner, traveler, and cultural enthusiast. She enjoys fitness, thoughtful conversations about business and purpose, and is the proud dog mom of Tish, Weiße, Pkna, and Traya.Learn More: https://pricosentino.com/Fern Prosperity, LLC and Pri Cosentino are not affiliated with the Social Security Administration or any government agency. This content is intended strictly for educational purposes and should not be construed as individualized investment advice. Any decisions related to Social Security, retirement, or financial planning should be made in the context of a comprehensive plan and in consultation with a qualified advisor.Investment advisory services are offered through Virtue Capital Management, LLC (VCM), a registered investment advisor. Fern Prosperity, LLC and VCM are independent entities. Investing involves risk, including the potential loss of principal. Past performance is not indicative of future results, and no investment strategy can guarantee a profit or protect against loss during periods of market decline.None of the information presented shall constitute an offer to sell or a solicitation of an offer to buy any security or insurance product. References to protection benefits or reliable income streams relate exclusively to fixed insurance products and not to securities or investment advisory services. Annuity guarantees are subject to the financial strength and claims-paying ability of the issuing insurance company. Annuities are insurance products and may be subject to fees, surrender charges, and holding periods, which vary by insurance carrier. Annuities are not FDIC-insured.Information and opinions provided by third parties have been obtained from sources believed to be reliable, but Fern Prosperity, LLC makes no representation as to their accuracy or completeness. Content is provided for informational purposes only and should not be the sole basis for any financial decision, nor should it be interpreted as advice tailored to the specific needs of an individual's situation.Third-party ratings, awards, or recognitions are not guarantees of future investment success and should not be construed as endorsements of Pri Cosentino or Fern Prosperity, LLC. They do not ensure that a client or prospective client will achieve a higher level of performance or results. Such ratings are not indicative of any one client's experience and should not be considered a testimonial.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-pri-cosentino-founder-financial-advisor-at-fern-prosperity-discussing-overcoming-retirement-fears-and-achieving-peace-of-mind

Priscila “Pri” Cosentino is the Founder and Financial Advisor at Fern Prosperity, an advisory firm dedicated to helping individuals pursue their financial goals through integrated planning strategies and personal development. With over a decade of professional experience in finance, advertising, events, and retail across Brazil and the United States, Pri brings a holistic perspective to financial planning and personal growth.Pri was mentored for more than ten years by an experienced financial advisor, during which time she developed the WISE Method™—a planning framework based on Wisdom, Insight, Strategy, and Enjoyment. This approach is designed to help clients consider how to align their financial decisions with their values and long-term vision.Pri holds a degree from the University of Central Florida (UCF) and an MBA in Neuroscience and Human Behavior from UniF. Her education combines financial planning with behavioral science, which supports her work in helping clients make informed decisions about money, life, and legacy.As an Advisor, Pri applies the W.I.S.E. Planning™ methodology when building personalized strategies that may address areas such as income planning, tax considerations, estate and legacy planning, and personal development. She works with a diverse and global clientele, offering services in English, Portuguese, German, and Spanish.Pri is also an author and speaker who shares insights on financial planning and personal development. Her professional philosophy emphasizes clarity, a client-first focus, and values-based planning.Outside of her professional work, Pri is a committed learner, traveler, and cultural enthusiast. She enjoys fitness, thoughtful conversations about business and purpose, and is the proud dog mom of Tish, Weiße, Pkna, and Traya.Learn More: https://pricosentino.com/Fern Prosperity, LLC and Pri Cosentino are not affiliated with the Social Security Administration or any government agency. This content is intended strictly for educational purposes and should not be construed as individualized investment advice. Any decisions related to Social Security, retirement, or financial planning should be made in the context of a comprehensive plan and in consultation with a qualified advisor.Investment advisory services are offered through Virtue Capital Management, LLC (VCM), a registered investment advisor. Fern Prosperity, LLC and VCM are independent entities. Investing involves risk, including the potential loss of principal. Past performance is not indicative of future results, and no investment strategy can guarantee a profit or protect against loss during periods of market decline.None of the information presented shall constitute an offer to sell or a solicitation of an offer to buy any security or insurance product. References to protection benefits or reliable income streams relate exclusively to fixed insurance products and not to securities or investment advisory services. Annuity guarantees are subject to the financial strength and claims-paying ability of the issuing insurance company. Annuities are insurance products and may be subject to fees, surrender charges, and holding periods, which vary by insurance carrier. Annuities are not FDIC-insured.Information and opinions provided by third parties have been obtained from sources believed to be reliable, but Fern Prosperity, LLC makes no representation as to their accuracy or completeness. Content is provided for informational purposes only and should not be the sole basis for any financial decision, nor should it be interpreted as advice tailored to the specific needs of an individual's situation.Third-party ratings, awards, or recognitions are not guarantees of future investment success and should not be construed as endorsements of Pri Cosentino or Fern Prosperity, LLC. They do not ensure that a client or prospective client will achieve a higher level of performance or results. Such ratings are not indicative of any one client's experience and should not be considered a testimonial.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-pri-cosentino-founder-financial-advisor-at-fern-prosperity-discussing-overcoming-retirement-fears-and-achieving-peace-of-mind

Watch As Double Murder EXPOSED In LIVE News Interview: Shocking TV Confession! In one of the most surreal crime stories in recent memory, Lorenz Kraus walked into a CBS6 newsroom and confessed on camera to killing his elderly parents, hiding their bodies in the backyard, and living off their Social Security checks for seven years. Now, on Hidden Killers Live, we watch that full CBS6 interview and break it down — line by line, word by word. Was it a genuine confession? A performance? A delusion? Or all of the above? Police were originally investigating financial crimes tied to the Kraus family at 6 Crestwood Court in Albany, NY, after a red flag from the Social Security Administration. But when a search warrant was executed, investigators unearthed not bank records — but two corpses in the backyard. This segment includes: The moment Kraus confesses to second-degree murder How this case exploded from welfare fraud to Albany double homicide Questions about mental health, delusional beliefs, and a potential god complex What happens when a confession is made to journalists, not police This is the full breakdown of a case that's part true crime, part psychological thriller, and part bureaucratic failure. Watch with us.

Watch As Double Murder EXPOSED In LIVE News Interview: Shocking TV Confession!” In one of the most surreal crime stories in recent memory, Lorenz Kraus walked into a CBS6 newsroom and confessed on camera to killing his elderly parents, hiding their bodies in the backyard, and living off their Social Security checks for seven years. Now, on Hidden Killers Live, we watch that full CBS6 interview and break it down — line by line, word by word. Was it a genuine confession? A performance? A delusion? Or all of the above? Police were originally investigating financial crimes tied to the Kraus family at 6 Crestwood Court in Albany, NY, after a red flag from the Social Security Administration. But when a search warrant was executed, investigators unearthed not bank records — but two corpses in the backyard. This segment includes: The moment Kraus confesses to second-degree murder How this case exploded from welfare fraud to Albany double homicide Questions about mental health, delusional beliefs, and a potential god complex What happens when a confession is made to journalists, not police This is the full breakdown of a case that's part true crime, part psychological thriller, and part bureaucratic failure. Watch with us.

Watch As Double Murder EXPOSED In LIVE News Interview: Shocking TV Confession! In one of the most surreal crime stories in recent memory, Lorenz Kraus walked into a CBS6 newsroom and confessed on camera to killing his elderly parents, hiding their bodies in the backyard, and living off their Social Security checks for seven years. Now, on Hidden Killers Live, we watch that full CBS6 interview and break it down — line by line, word by word. Was it a genuine confession? A performance? A delusion? Or all of the above? Police were originally investigating financial crimes tied to the Kraus family at 6 Crestwood Court in Albany, NY, after a red flag from the Social Security Administration. But when a search warrant was executed, investigators unearthed not bank records — but two corpses in the backyard. This segment includes: The moment Kraus confesses to second-degree murder How this case exploded from welfare fraud to Albany double homicide Questions about mental health, delusional beliefs, and a potential god complex What happens when a confession is made to journalists, not police This is the full breakdown of a case that's part true crime, part psychological thriller, and part bureaucratic failure. Watch with us.

The Social Security Fairness Act, which was signed into law at the start of 2025, has been in effect for about nine months since this game-changing legislation repealed both the Windfall Elimination Provision and the Government Pension Offset, restoring and increasing Social Security benefits for millions of retirees, especially teachers and public employees who worked in jobs exempt from Social Security. In this episode, I discuss exactly who qualifies for these newly restored benefits, explain how the Social Security Administration is handling the rollout, and give you a step-by-step guide on what to do if you haven't received your payment yet. I'll also walk you through critical tax changes you'll need to consider if you're now receiving this extra income, and practical strategies to avoid any nasty tax surprises at the end of the year.  You will want to hear this episode if you are interested in... [02:26] Social Security Fairness Act overview and impact. [05:57] Who is eligible for Windfall Elimination Provision (WEP) or Government Pension Offset (GPO). [07:35] Applying for your benefits. [08:16] How much Social Security becomes taxable. [11:09] Increasing withholding on pensions, IRA, 401(k), or earned income. What Is the Social Security Fairness Act? Signed into law by President Biden in January 2025, the Social Security Fairness Act has restored benefits for millions of retirees who were previously penalized due to their employment in jobs that were exempt from Social Security taxes. These roles frequently include teachers and certain municipal or state employees. For years, retirees in those positions received a reduced Social Security benefit due to provisions known as the Windfall Elimination Provision (WEP) and Government Pension Offset (GPO). Windfall Elimination Provision (WEP): Affected individuals who worked in both Social Security-covered and non-covered jobs, resulting in a reduced Social Security benefit. Government Pension Offset (GPO): Reduced the spousal or survivor Social Security benefit for those receiving a government pension from non-covered employment (like teachers in Connecticut). With the repeal of these two provisions, retirees are now eligible to receive their full Social Security benefit, as well as the entirety of their eligible spousal or survivor benefits, regardless of their pension amount. Who Is Impacted? The Act primarily benefits retirees who worked in state or municipal jobs excluded from Social Security wage contributions (think teachers, police, firefighters, or other state employees in certain states). It also helps spouses or survivors of such retirees, who, under the GPO, were denied or saw dramatic reductions in their spousal/survivor benefits. As an example, if a teacher in Connecticut was receiving a $3,000/month pension, they were previously eligible for only a fraction of their spouse's Social Security survivor benefit. Now, with the Act's passage, they can receive the full amount, eliminating a significant hardship for many families. The Social Security Administration has processed around 3.1 million payments, exceeding prior estimates, and paid out approximately $17 billion. However, some eligible recipients have yet to see increases, particularly those who never filed because they believed they wouldn't qualify. What Should You Do If You're Eligible? If you haven't received a payment adjustment, you might be missing out on thousands of dollars. File or Re-file: Eligible recipients should visit SSA.gov to update or submit a new application for benefits. Check Your Status: Even if you're not currently receiving Social Security, consult the SSA to determine your eligibility for individual, spousal, or survivor benefits, especially once you reach full retirement age (typically between 66-67). Lots of people have been automatically credited and are receiving retroactive payments, but those who never applied in the first place due to WEP and GPO restrictions must now take proactive steps. Tax Implications of Increased Social Security Benefits More income is always welcome, but it may come with new tax responsibilities. Here's what you need to know: Social Security Taxation Basics: Taxability depends on your total income: adjusted gross income (AGI), plus half of your Social Security benefit, plus tax-exempt interest. Generally, married couples with less than $32,000 combined income owe no tax on Social Security, and between $32,000 and $44,000, up to 50% of benefits may be taxable, then over $44,000, up to 85% of benefits can be taxable. For individuals, the thresholds are $25,000 and $34,000. Avoid Surprises by adjusting your tax withholding, either by filing IRS Form W-4V for Social Security, or updating withholdings on pensions or retirement accounts. You may also make quarterly estimated payments, especially if you live in a state with income tax. Social Security does not withhold state income taxes, so plan accordingly to avoid penalties and interest. With these changes, it's more important than ever to review your retirement plan and tax strategy. Speak to a qualified accountant and financial advisor to ensure you are maximizing your benefits and staying compliant with tax requirements. Resources Mentioned Retirement Readiness Review Subscribe to the Retire with Ryan YouTube Channel Download my entire book for FREE  Social Security  Connect With Morrissey Wealth Management  www.MorrisseyWealthManagement.com/contact   Subscribe to Retire With Ryan

Watch As Double Murder EXPOSED In LIVE News Interview: Shocking TV Confession! In one of the most surreal crime stories in recent memory, Lorenz Kraus walked into a CBS6 newsroom and confessed on camera to killing his elderly parents, hiding their bodies in the backyard, and living off their Social Security checks for seven years. Now, on Hidden Killers Live, we watch that full CBS6 interview and break it down — line by line, word by word. Was it a genuine confession? A performance? A delusion? Or all of the above? Police were originally investigating financial crimes tied to the Kraus family at 6 Crestwood Court in Albany, NY, after a red flag from the Social Security Administration. But when a search warrant was executed, investigators unearthed not bank records — but two corpses in the backyard. This segment includes: The moment Kraus confesses to second-degree murder How this case exploded from welfare fraud to Albany double homicide Questions about mental health, delusional beliefs, and a potential god complex What happens when a confession is made to journalists, not police This is the full breakdown of a case that's part true crime, part psychological thriller, and part bureaucratic failure. Watch with us.

WBZ NewsRadio's Chris Fama reports.

Tiffany, SonicWall, Crowdstrike, SonicWall, Aetna CVS, The Social Security Administration and every financial advisor in Canada and so much more are why we want off this planet this week...

A lot of people have a dream job that they really want to do. Many people don't pursue it. There are lots of reasons for staying where you are instead of taking the leap into the unknown. Some of the reasons, like money or location, are valid. But some of the reasons, like the one given in this episode aren't really barriers. Listen to my short humor story about how to walk away from your dream job.   https://www.TheWorkLady.com Jan McInnis is a top conference keynote speaker, comedian, Master of Ceremonies, and comedy writer. She has written for Jay Leno's The Tonight Show monologues as well as many other people, places, and groups—radio, TV, syndicated cartoon strips, guests on The Jerry Springer Show (her parents are proud). For over 25 years, she's traveled the country as a keynote speaker and comedian, sharing her unique and practical tips on how to use humor in business (yes, it's a business skill!). She's been featured in The Huffington Post, The Wall Street Journal, and The Washington Post for her clean humor, and she's the author of two books: Finding the Funny Fast – How to Create Quick Humor to Connect with Clients, Coworkers, and Crowds, and Convention Comedian: Stories and Wisdom From Two Decades of Chicken Dinners and Comedy Clubs. She also has a popular podcast titled Comedian Stories: Tales From the Road in Under 5 Minutes. In her former life, she was a marketing executive in Washington, D.C. for national non-profits, and she received the Greater Washington Society of Association Executives “Excellence in Education” Award. Jan's been featured at thousands of events from the Federal Reserve Banks to the Mayo Clinic.     https://www.TheWorkLady.com https://youtu.be/BtjxzDn-QLE https://www.linkedin.com/in/janmcinnis https://twitter.com/janmcinnis https://www.pinterest.com/janmcinnis/pins/ https://www.youtube.com/c/JanMcInnisComedian https://www.facebook.com/ComedianJanMcInnis https://www.instagram.com/jan.mcinnis/     Jan has shared her humor keynotes from Fortune 500 companies to international associations. Groups such as . .. Healthcare. . . Mayo Clinic, Health Information Management Associations, Healthcare Financial Management Associations, Hospitals, Abbott Pharmaceuticals, Sanofi Aventis Pharmaceuticals, Kaiser-Permanente, Davita Dialysis Centers, Blue Cross, Blue Shield, Home Healthcare Associations, Assisted Living Associations, Healthcare Associations, National Council for Prescription Drug Companies, Organization of Nurse Leaders, Medical Group Management Associations, Healthcare Risk Associations, Healthcare Quality Associations     Financial. . . Federal Reserve Banks, BDO Accounting, Transamerica Insurance & Investment Group, Merrill Lynch, treasury management associations, bankers associations, credit unions, Money Transmitter Regulators Association, Finance Officers Associations, automated clearing house associations, American Institute of CPAs, financial planning companies, Securities, Insurance, Licensing Association     Government . . . purchasing officers associations, city clerks, International Institute of Municipal Clerks, National League of Cities, International Worker's Compensation Fund, correctional associations, LA County Management Association, Social Security Administration, Southern California Public Power Authority, public utilities, U.S. Air Force, public personnel associations, public procurement associations, risk management associations, Rehabilitation associations, rural housing associations, community action associations     Women's Events. . . American Heart Associations, Go Red For Women luncheons, Speaking of Women's Health, International Association of Administrative Professionals, administrative professionals events, Toyota Women's Conference, Women in Insurance and Financial Services, Soroptimists, Women in Film & Video, ladies night out events, Henry Ford Health Centers Women's Event, spirit of women events, breast cancer awareness,     Education . . . School Business Officials associations, school superintendent associations, school boards associations, state education associations, community college associations, school administrators associations, school plant managers associations, Head Start associations, Texas adult protective services, school nutrition associations, Association of Elementary and Middle School Principals, principal associations, library associations     Emergency, safety, and Disaster . . . International Association of Emergency Managers, Disney Emergency Managers, state emergency management associations, insurance groups, COPIC, Salt Lake County Public Works and Municipal Services Disaster Recovery Conference, Pennsylvania Governor's Occupational Safety and Health conference, Mid Atlantic Safety conference and Chesapeake Regional Safety Council, Risk associations.             

Today's show features an interview with Brandon Bryant, Missoula native and resident whom we have featured on this show in the past. He will talk about his recent altercation with the Missoula Police. Our word of the Week is “assassination,” as we discuss the assassination of Charlie Kirk and the responses to it. We then look at the Trump Administration's DOGE efforts at the Social Security Administration and its results so far. We have a follow-up story about the U.S. Border Patrol agents arresting two firefighters working on the fire line on the Olympic Peninsula. We explore the truly historic events happening around the Shanghai Cooperation Organization's annual meeting in Tianjin, China that has profound implications for the US empire. And finally, we have a follow-up to this spring's general strike in Panama, where the workers emerged victorious over the Panamanian government and the Chiquita Brands corporation.

0:30 You're listening to American Ground Radio with Louis R. Avallone and Stephen Parr. In today's episode we tackle Stephen Miller's claim that Democrats are terrorizing America. We discuss soft-on-crime prosecutors, Biden's open-border policy, and the revolving door of catch-and-release justice. Plus, we cover the Top 3 Things You Need to Know: Israel attacked leaders of Hamas with a bombing inside Qatar. A Judge in Michigan has thrown out criminal charges against 16 people stemming from the 2020 election. One of the key figures in the IRS - TEA Party targeting scandal has been fired. 12:30 Stay hydrated throughout the day with Performlyte from Victory International. Go to vni.life/agr and use the promocod AGR20 to get 20% off. 13:30 A judge in Maryland has issued a preliminary injunction against the Trump administration's policy requiring a person's biological sex be listed on their passport. How will this move affect security? We ask the American Mamas, Teri Netterville and Kimberly Burleson, about their childhood memories of moments when adulters were unkind. From classroom embarrassments to painful daycare incidents, Terri and Kimberly reflect on how those early experiences shaped their empathy, parenting, and commitment to uplifting others. If you'd like to ask our American Mamas a question, go to our website, americangroundradio.com/mamas and click on the Ask the Mamas button! 23:00 We dive into one President Trump’s campaign promises—a proposed 10% cap on credit card interest rates. We explore whether government-imposed price controls could save Americans billions or create unintended consequences in the financial market. Plus, Jack Phillips from Masterpiece Cakeshop joins us on the phone to discuss his decade-long legal journey to the U.S. Supreme Court. Jack shares how his Christian faith guided his decision not to create a custom wedding cake for a same-sex couple, why he believes cakes are messages of art, and how he’s stood firm through multiple lawsuits, hate calls, and national scrutiny. You can order cookies and brownies at masterpiececakeshop.store and check out Jack's book, The Cost of My Faith: How a Decision in My Cake Shop Took Me to the Supreme Court. 32:30 Protovite from Victory International is a a multivitamin designed to absorb quickly. Go to vni.life/AGR and use the code AGR20 to get 20% off. 33:30 We break down a major Social Security change coming at the end of September. The Social Security Administration will stop issuing most paper checks to beneficiaries. Plus, Kentucky's 2018 law that made 50/50 child custody the default in most divorce case has led to fewer divorces in the state, and that's a Bright Spot! 40:30 We react to Fox News host Bret Baier’s surprising question to Justice Amy Coney Barrett about the 22nd Amendment and presidential term limits. And we finish off with some words of wisdom about parenting that will make you say, "Whoa!" americangroundradio.com Facebook: facebook.com / AmericanGroundRadio Instagram: instagram.com/americangroundradio Links: IRS issues termination notice to top aide linked to Obama-era Tea Party targeting scandal Divorce Plunged in Kentucky. Equal Custody for Fathers Is a Big Reason Why. Kentucky’s Common Sense Solution Sends Divorce Rates PlummetingSee omnystudio.com/listener for privacy information.

Working on cruise ships as an entertainer can get weird, and I'm not talking about hecklers. Just getting to the ship in another country is a journey in itself. Here's a quick story about a cruise ship fiasco that could have turned out very badly! https://www.TheWorkLady.com  Jan McInnis is a top change management keynote speaker and comedian. She uses short funny stories to emphasize her tips on how businesses can use humor to handle change. Jan is a top conference keynote speaker, comedian, Master of Ceremonies, and comedy writer. She has written for Jay Leno's The Tonight Show monologues as well as many other people, places, and groups—radio, TV, syndicated cartoon strips, guests on The Jerry Springer Show (her parents are proud). For over 25 years, she's traveled the country as a keynote speaker and comedian, sharing her unique and practical tips on how to use humor in business (yes, it's a business skill!). She's been featured in The Huffington Post, The Wall Street Journal, and The Washington Post for her clean humor, and she's the author of two books: Finding the Funny Fast – How to Create Quick Humor to Connect with Clients, Coworkers, and Crowds, and Convention Comedian: Stories and Wisdom From Two Decades of Chicken Dinners and Comedy Clubs. She also has a popular podcast titled Comedian Stories: Tales From the Road in Under 5 Minutes. In her former life, she was a marketing executive in Washington, D.C. for national non-profits, and she received the Greater Washington Society of Association Executives “Excellence in Education” Award. Jan's been featured at thousands of events from the Federal Reserve Banks to the Mayo Clinic.   https://www.TheWorkLady.com https://youtu.be/BtjxzDn-QLE https://www.linkedin.com/in/janmcinnis https://twitter.com/janmcinnis https://www.pinterest.com/janmcinnis/pins/ https://www.youtube.com/c/JanMcInnisComedian https://www.facebook.com/ComedianJanMcInnis https://www.instagram.com/jan.mcinnis/   Jan has shared her humor keynotes from Fortune 500 companies to international associations. Groups such as . .. Healthcare. . . Mayo Clinic, Health Information Management Associations, Healthcare Financial Management Associations, Hospitals, Abbott Pharmaceuticals, Sanofi Aventis Pharmaceuticals, Kaiser-Permanente, Davita Dialysis Centers, Blue Cross, Blue Shield, Home Healthcare Associations, Assisted Living Associations, Healthcare Associations, National Council for Prescription Drug Companies, Organization of Nurse Leaders, Medical Group Management Associations, Healthcare Risk Associations, Healthcare Quality Associations   Financial. . . Federal Reserve Banks, BDO Accounting, Transamerica Insurance & Investment Group, Merrill Lynch, treasury management associations, bankers associations, credit unions, Money Transmitter Regulators Association, Finance Officers Associations, automated clearing house associations, American Institute of CPAs, financial planning companies, Securities, Insurance, Licensing Association   Government . . . purchasing officers associations, city clerks, International Institute of Municipal Clerks, National League of Cities, International Worker's Compensation Fund, correctional associations, LA County Management Association, Social Security Administration, Southern California Public Power Authority, public utilities, U.S. Air Force, public personnel associations, public procurement associations, risk management associations, Rehabilitation associations, rural housing associations, community action associations   Women's Events. . . American Heart Associations, Go Red For Women luncheons, Speaking of Women's Health, International Association of Administrative Professionals, administrative professionals events, Toyota Women's Conference, Women in Insurance and Financial Services, Soroptimists, Women in Film & Video, ladies night out events, Henry Ford Health Centers Women's Event, spirit of women events, breast cancer awareness,   Education . . . School Business Officials associations, school superintendent associations, school boards associations, state education associations, community college associations, school administrators associations, school plant managers associations, Head Start associations, Texas adult protective services, school nutrition associations, Association of Elementary and Middle School Principals, principal associations, library associations   Emergency, safety, and Disaster . . . International Association of Emergency Managers, Disney Emergency Managers, state emergency management associations, insurance groups, COPIC, Salt Lake County Public Works and Municipal Services Disaster Recovery Conference, Pennsylvania Governor's Occupational Safety and Health conference, Mid Atlantic Safety conference and Chesapeake Regional Safety Council, Risk associations.  

C'est un nouveau séisme dans la cybersécurité américaine. Une plainte explosive met en cause le DOGE, un organisme controversé composé d'anciens employés d'Elon Musk nommés sous l'administration Trump. Selon le lanceur d'alerte Charles Borges, responsable des données à la Social Security Administration, le DOGE aurait transféré en juin dernier une base de données ultra-sensible vers un serveur cloud non sécurisé.Son nom : le Numerical Identification System. Cette base renferme les informations personnelles de millions d'Américains : noms, numéros de sécurité sociale, données financières, voire diagnostics de santé. Autrement dit, un trésor pour les cybercriminels. Dans sa plainte, Borges alerte : ces informations pourraient devenir accessibles au public si le DOGE décidait d'ouvrir l'accès à ces serveurs. Il parle d'un risque d'« impact catastrophique », allant jusqu'à devoir réattribuer de nouveaux numéros de sécurité sociale à 450 millions de personnes.Le contexte juridique complique encore l'affaire. En mars, une ordonnance fédérale avait restreint l'accès du DOGE à ces données. Mais la Cour suprême a levé ce blocage le 6 juin. Quelques jours plus tard, Aram Moghaddassi, directeur informatique du DOGE, validait le transfert malgré l'absence de contrôle indépendant. Il affirmait avoir « accepté tous les risques » au nom de l'efficacité opérationnelle. Un feu vert confirmé par Michel Rousso, autre haut responsable du DOGE. Du côté des autorités, la défense s'organise. Nick Perrine, porte-parole de la SSA, assure que ces données sont stockées « dans des environnements sécurisés », isolés d'internet, et uniquement accessibles à des responsables triés sur le volet. Autrement dit : aucun risque réel de compromission.Mais la plainte de Charles Borges met en lumière une inquiétude grandissante : la gouvernance des données personnelles aux États-Unis. Depuis janvier, le DOGE a pris le contrôle de plusieurs départements fédéraux et de leurs bases de données. Et déjà, les critiques pleuvent sur ses pratiques en matière de cybersécurité. À la Maison Blanche, on botte en touche : la porte-parole Elizabeth Huston redirige vers la SSA et refuse de dire si l'administration Trump était informée. Mais une chose est sûre : cette affaire rouvre le débat brûlant sur la protection des données des citoyens américains. Hébergé par Acast. Visitez acast.com/privacy pour plus d'informations.

Ralph welcomes Palestinian-American writer, activist, and scientist Susan Abulhawa to discuss the ongoing Palestinian genocide and the evidence that supports a vastly higher death toll in Gaza.Susan Abulhawa is a Palestinian-American writer and political activist. She is the author of Mornings in Jenin—translated into thirty languages—and The Blue Between Sky and Water. Born to refugees of the Six Day War of 1967, she moved to the United States as a teenager, graduated in biomedical science, and established a career in medical science. In July 2001, she founded “Playgrounds for Palestine,” a non-governmental children's organization dedicated to upholding the Right to Play for Palestinian children.I consider this, first of all, immoral. It's disrespecting the Palestinian dead while they kill the Palestinians who are still alive with US bombers and artillery shells and other weapons coming from Washington, D.C. And it underestimates the kind of urgency that should be confronting this genocide.Ralph NaderThis is something that I think generations will study for a very long time to come. The complicity of Western media across the board is no less criminal than the genocide itself.Susan AbulhawaThis is a complete wiping out of life. A total destruction. And it's completely driven by this unfathomable hate and colonial arrogance and Jewish supremacy and this notion of entitlement. Of being favored by God, of being promised some real estate by a real-estate-agent Lord. I mean, it beggars belief the narratives that we see spoken in mainstream outlets and in the halls of power. Truly, it beggars belief.Susan AbulhawaNo, I don't believe Israel has a right to exist. It has never had a right to exist. No political entities have a right to exist. People have a right to exist. They have a right to exist in their own homeland with dignity. People have a right to universal dignity. A supremacist ideology—and that's ultimately what Zionism is predicated on, on supremacy and entitlement for a group of people at the detriment of another group of people—that is not a right, and it should never be a right. It should be anathema, in fact.Susan AbulhawaNews 9/5/25* The Intercept reports AIPAC has lost another Democratic ally in Congress. Congresswoman Deborah Ross of North Carolina has pledged that she will not accept AIPAC campaign contributions in her 2026 reelection bid. In previous elections, Ross has accepted over $100,000 in AIPAC donations. This comes on the heels of another North Carolina Congresswoman, Valerie Foushee – who received over $800,000 in AIPAC contributions – also renouncing donations from the group. As the Intercept notes, in June, the North Carolina Democratic Party adopted a resolution calling for a “complete arms embargo on all military aid to Israel until it ends its apartheid rule of Palestinians.” Dr. Paul McAllister, a reverend and chair of the Interfaith Caucus of the North Carolina Democratic Party, is quoted saying “AIPAC uses the muscle of their resources to oust anyone who disagrees with them regarding Israel, the conduct of Israel and the atrocities that may be committed by the government of Israel — so it is good that Deborah Ross is willing to recognize and acknowledge that.”* In more Israel news, a new aid flotilla bound for Gaza departed from Genoa, Italy last Sunday. Unlike previous flotillas however, this one carries the protection of a surprising group: Italian dockworkers. According to POLITICO EU, “Speaking at a rally on the docks of Genoa, one of Europe's largest ports, a dockworker representing the USB union said…‘Around mid-September, these boats will arrive near the coast of Gaza. If we lose contact with our boats, with our comrades, even for just 20 minutes, we will shut down all of Europe.'” Genoa has expressed unprecedented solidarity with Gaza. A food drive in the city collected “more than 300 tons of humanitarian aid…[and] over 40,000 people, including the city's mayor, Silvia Salis, joined a torchlit march through the streets in support of the [humanitarian flotilla on Saturday].” During the procession, Salis remarked “Every day I am proud to be the mayor of this city, but tonight, if possible, I am even more so.”* In yet another Israel story, Tom Artiom Alexandrovich, an Israeli cybersecurity apparatchik, who was arrested in August during an undercover operation “targeting child sex predators,” failed to appear for his court date in Nevada. Alexandrovich fled to Israel after being bailed out of jail in the U.S.; his lawyer, David Chesnoff, told the court that he told Alexandrovich not to attend the hearing. Judge Barbara Schifalacqua is now demanding that Alexandrovich appear before the court this week, but it remains to be seen whether he will actually show. This case has become politicized, with liberals and conservatives accusing one another of allowing Alexandrovich to flee the country. The government of Israeli Prime Minister Benjamin Netanyahu falsely denied that Alexandrovich was arrested at all. This from Al Jazeera.* In more sex predator news, Representatives Ro Khanna, Thomas Massie and Marjorie Taylor-Greene held a press conference this week with survivors of abuse at the hands of Jeffrey Epstein to push for full disclosure of the Justice Department's files on the case. At this conference, survivors also said they will release their own list of names. This comes amidst a renewed push for Congressional action spearheaded by the survivors. On Tuesday, the House Oversight Committee released a batch of records, but most of these have been made public before. The survivors met with lawmakers this week, including Speaker Mike Johnson, who said “I think the Oversight probe is going to be wide and expansive, and they're going to follow the truth wherever it leads,” per the Washington Post. Congresswoman Nancy Mace was also seen emerging from a meeting with the survivors visibly upset, though we do not know what exactly was discussed in this meeting. What is clear is that the Epstein story is not going away any time soon.* In local news, the National Guard has shared a statement with CBS News' Scott MacFarlane in which they boast that, “Guardsmen have cleaned more than 3.2 miles of roadways, collected more than 500 bags of trash, and disposed of three truckloads of plant waste.” Looking beyond the absurdity of deploying the National Guard to pick up trash, Samuel Littauer, Commissioner of ANC 3C01 – a local government district in Washington – crunched the numbers and found that “DC's cleaning crews cover around 81 miles/day for around $150K/day… [while the] National Guard has cleaned a total of 3.2 miles and costs more than $1M/day.” This means, “It's about 170X more cost efficient per mile to fund DC's existing work.”* Yet, despite the staggering inefficiency of the federal occupation – to say nothing of the outrageous, authoritarian government overreach – D.C. Mayor Muriel Bowser has signed an order outlining how the District will “continue to work with the U.S. Marshals Service, the FBI, U.S. Park Police, the Drug Enforcement Administration, [and] the Bureau of Alcohol, Tobacco, Firearms and Explosives,” according to WTOP. This report notes that, “Bowser's order provides a path for working with federal law enforcement…[a] public indication that federal law enforcement could remain in the city indefinitely.” Other D.C. officials, including the District's delegate in Congress Eleanor Holmes Norton, have decried the occupation. Unfortunately, Norton is not even afforded the power of a single vote in Congress. This debacle further underscores the necessity for sovereign statehood for D.C.* In more news of federal law enforcement overreach, Prem Thakker of Zeteo reports new figures that show, “61,226 people are currently in ICE detention — the highest number ever in US history.” Thakker goes on to report that “According to ICE data, 70% of these people have no criminal conviction.” This unjustifiable mass detention shows no signs of slowing down, with ICE being granted larger and larger budgets and more and more latitude by the administration. The parallels to other shadowy secret police organizations throughout history continue to grow more pronounced.* Labor Notes editor Luis Feliz Leon reports Columbia University is seeking to bust graduate worker unions – at Columbia and beyond. A statement from the union reads “Over the summer, the university expelled and suspended 80 students, eliminated all but ten…graduate instructor jobs, and filed an Unfair Labor Practice Charge that could reshape the future of higher ed.” This marks yet another blow to the august reputation of Columbia, already damaged by their authoritarian overreaction to pro-Palestine protests and their capitulation to borderline extortion by Trump.* In the federal government, Trump continues to attack critical safety regulators. Reuters reports, “Two of the three remaining commissioners at the Nuclear Regulatory Commission, the U.S. nuclear safety watchdog, told a Senate hearing on Wednesday they feel President Donald Trump could fire them if they obstruct his goal to approve reactors faster.” Trump, via executive order, has committed the United States to, “fast-tracking new reactor licenses and quadrupling U.S. nuclear energy capacity by 2050…while also reducing staffing at the NRC.” The Commission is already down to just three members from its usual five and according to this report, “a dozen senior level managers…have left or announced they will leave since January, and…143 staff departed between January and June.” The Commission is currently considering five reactor applications and “expects another 25 to 30 soon.” Whatever one's thoughts are on nuclear energy in general, it is wildly irresponsible and dangerous to consider these reactor proposals by a commission short-staffed and constantly threatened with dismissal.* Finally, the Government Accountability Project has submitted a stunning whistleblower complaint on behalf of Chuck Borges, Chief Data Officer at the Social Security Administration. This complaint concerns “serious data security lapses, evidently orchestrated by DOGE officials, currently employed as SSA employees, that risk the security of over 300 million Americans' Social Security data…including apparent systemic data security violations, uninhibited administrative access to highly sensitive production environments, and potential violations of federal privacy laws by DOGE personnel.” The most critical violation is the DOGE staffers' move to “create a live copy of the country's Social Security information in a cloud environment that circumvents oversight.” As this complaint explains, “This vulnerable cloud environment is effectively a live copy of the entire country's Social Security information…that…lacks any security oversight from SSA or tracking to determine who is accessing or has accessed the copy of this data.” This includes “all data submitted in an application for a United States Social Security card—including the name of the applicant, place and date of birth, citizenship, race and ethnicity, parents' names and social security numbers, phone number, address, and other personal information.” If this data were to be compromised – as is eminently possible given the unsecured and unsupervised nature of the cloud copy, “Americans may be susceptible to widespread identity theft, may lose vital healthcare and food benefits, and the government may be responsible for re-issuing every American a new Social Security Number.” This staggering degree of carelessness and incompetence is almost unbelievable, if not for the fact that it comports perfectly with the DOGE track record. We can only hope lawmakers and regulators take swift action to shut down this ticking timebomb of data before it's too late.This has been Francesco DeSantis, with In Case You Haven't Heard. Get full access to Ralph Nader Radio Hour at www.ralphnaderradiohour.com/subscribe

For years, the Windfall Elimination Provision and Government Pension Offset reduced benefits for those who had rightfully earned them. Now that those policies are gone, many are left with questions. Eddie Holland joins us to help clarify what's changed and what it means for your retirement.Eddie Holland is a Senior Private Wealth Advisor and partner of Blue Trust in Greenville, South Carolina. He's also a CPA, a Certified Financial Planner (CFP®), and a Certified Kingdom Advisor (CKA®).A Quick History of WEP and GPOThe Windfall Elimination Provision (WEP), enacted over 40 years ago, reduces Social Security benefits for individuals receiving a non-covered pension—a pension from which no Social Security taxes were withheld. This often included employees in state and local government jobs, such as teachers, police officers, and firefighters.Similarly, the Government Pension Offset (GPO) reduced a spousal or survivor benefit for individuals in the same situation. These rules were designed to prevent “double-dipping,” but they often unfairly penalized modest-income workers, sometimes reducing their monthly Social Security checks by hundreds of dollars—or even eliminating their spousal or survivor benefits entirely.The Social Security Fairness Act of 2025That changed on January 5, 2025, when President Joe Biden signed the Social Security Fairness Act. This legislation repealed both WEP and GPO, effective retroactively as of January 2024. As a result:Nearly 3 million Americans became eligible for retroactive benefits.Future monthly benefits for those affected have also been adjusted upward.This marks a significant win for many retired public servants who had long felt the weight of these provisions.What to Expect if You're AffectedThere are two phases of payments:Retroactive Payments – Starting in March 2025, some individuals received large one-time deposits representing the benefits they should have received since January 2024. These payments often arrived with little to no explanation, leaving many confused. Adjusted Monthly Benefits – Beginning in April 2025, Social Security began increasing ongoing monthly benefits for those impacted.It's important to note that these changes only apply to individuals with a non-covered pension, not all civil service employees.Steps to Take if You Think You QualifyIf you believe these changes may apply to you, Eddie recommends two simple steps:Check Your Account Online. Visit SSA.gov to log in to your account (or create one if you haven't already). Contact the Social Security Administration. If your account doesn't show any updates or you have questions, call 1-800-772-1213 or schedule an appointment at your local SSA office to speak directly with an agent.If navigating these changes feels overwhelming, consider consulting a Certified Kingdom Advisor (CKA) who specializes in matters related to Social Security, who can help you make informed, faith-based financial decisions. You can find one in your area by visiting FaithFi.com and clicking “Find a Professional”. On Today's Program, Rob Answers Listener Questions:I'm 60 years old and planning to retire early at 62. I'd also like to pay off my house before I retire. Is that a smart move, and is it realistic given my current financial situation?I understand that retiring before my full retirement age will result in a reduction of approximately 8% per year in my Social Security benefit. How do Social Security cost-of-living adjustments factor into that reduction?My grandson wants to be added as an authorized user on my credit card to take advantage of my good credit score so he can get a lower interest rate on a car loan. Is that a wise decision?At what age am I required to start taking distributions from my 401(k)? Also, I have two family members—one with dementia and another recovering from a stroke. How can we protect their assets, such as their house and 401(k), if they need long-term care?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Social Security Administration (SSA.gov)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

On today's show, I'm happy to host Jasmine,We will chat about all the places she's been.For 11 years, Jasmine worked at the Social Security Administration,Now she protects personal information!

Curious about tackling your name change post-wedding? Say goodbye to confusion and hello to confidence! From updating your Social Security to changing your passport, we've got the essentials covered!  Learn about the Six-Month Passport Rule and what you need to know NOW!   This podcast is for engaged couples who are stressed out with wedding planning and family expectations, but want a fun wedding day.   Sal and Sam break down the pros and cons and offer practical advice on your name change journey.    Stress-free Wedding Planning Podcast #164: Say 'I Do' To A Stress-Free Name Change Journey Host: Sal & Sam Music: "Sam's Tune" by Rick Anthony   TIMESTAMP 00:00 Introduction to Stress-free Wedding Planning Podcast #164: Say 'I Do' To A Stress-Free Name Change Journey 01:00 Podcast Overview and Goals 03:00 The Name Change Process 04:45 Discuss your name change options 05:00 Pro-Tip: Double check your state's laws 05:15 Obtaining certified copies or copy of your marriage certificate 06:30 Social Security Administration 07:30 DMV 08:30 Passports 09:00 International Travel Considerations 09:30 Six Month Passport Rule 11:30 Wedding Tip Wednesday 12:45 Update your name with your employer 13:15 Update credit cards, mortgages or lease agreements 14:00 Update utilities, subscriptions and any memberships 15:00 More passport information 15:45 Celebrate your new name 16:00 Final Thoughts and Community Engagement 16:30 Closing Remarks and Farewell   Get your FREE no-obligation report TODAY: "8 QUESTIONS YOU MUST ASK A WEDDING PROFESSIONAL BEFORE BOOKING THEM" http://forms.aweber.com/form/55/756659955.htm Music List Giveaway  https://www.afterhourseventsofne.com/guestcontact *** Join us in the Stress-free Wedding Planning Facebook group https://urlgeni.us/facebook/stress-free-wedding-planning Copyright © 2025 Atmosphere Productions LLC All Rights Reserved. Produced by Atmosphere Productions in association with After Hours Events of New England https://atmosphere-productions.com https://www.afterhourseventsofne.com #2025Bride #2026Bride #2027Bride #WeddingPlanning #WeddingCeremony #NameChange #NewEnglandWedding #WeddingPreparations #WeddingChecklist #weddingpro #weddingexperts #WeddingInspo #WeddingIdeas #WeddingPhotography #WeddingGoals #WeddingWisdom #WeddingTips #DreamWedding #WalkDownTheAisle #StressFreeWedding #StressFreeWeddingPlanning #StressFreeWeddingPlanningPodcast #WeddingPodcast #WeddingTipWednesday #WeddingAdvice #WeddingMusic #WeddingDay #CTweddingdj #WeddingDJ #AtmosphereProductions #AfterHoursEventsOfNE   

Working around sketchy entertainers is, thankfully, not usual, but it happens. Here's a quick story about one of the times I had to work with someone who really wasn't that safe for women. https://www.TheWorkLady.com  Jan McInnis is a top change management keynote speaker and comedian. She uses short funny stories to emphasize her tips on how businesses can use humor to handle change. Jan is a top conference keynote speaker, comedian, Master of Ceremonies, and comedy writer. She has written for Jay Leno's The Tonight Show monologues as well as many other people, places, and groups—radio, TV, syndicated cartoon strips, guests on The Jerry Springer Show (her parents are proud). For over 25 years, she's traveled the country as a keynote speaker and comedian, sharing her unique and practical tips on how to use humor in business (yes, it's a business skill!). She's been featured in The Huffington Post, The Wall Street Journal, and The Washington Post for her clean humor, and she's the author of two books: Finding the Funny Fast – How to Create Quick Humor to Connect with Clients, Coworkers, and Crowds, and Convention Comedian: Stories and Wisdom From Two Decades of Chicken Dinners and Comedy Clubs. She also has a popular podcast titled Comedian Stories: Tales From the Road in Under 5 Minutes. In her former life, she was a marketing executive in Washington, D.C. for national non-profits, and she received the Greater Washington Society of Association Executives “Excellence in Education” Award. Jan's been featured at thousands of events from the Federal Reserve Banks to the Mayo Clinic.   https://www.TheWorkLady.com https://youtu.be/BtjxzDn-QLE https://www.linkedin.com/in/janmcinnis https://twitter.com/janmcinnis https://www.pinterest.com/janmcinnis/pins/ https://www.youtube.com/c/JanMcInnisComedian https://www.facebook.com/ComedianJanMcInnis https://www.instagram.com/jan.mcinnis/   Jan has shared her humor keynotes from Fortune 500 companies to international associations. Groups such as . .. Healthcare. . . Mayo Clinic, Health Information Management Associations, Healthcare Financial Management Associations, Hospitals, Abbott Pharmaceuticals, Sanofi Aventis Pharmaceuticals, Kaiser-Permanente, Davita Dialysis Centers, Blue Cross, Blue Shield, Home Healthcare Associations, Assisted Living Associations, Healthcare Associations, National Council for Prescription Drug Companies, Organization of Nurse Leaders, Medical Group Management Associations, Healthcare Risk Associations, Healthcare Quality Associations   Financial. . . Federal Reserve Banks, BDO Accounting, Transamerica Insurance & Investment Group, Merrill Lynch, treasury management associations, bankers associations, credit unions, Money Transmitter Regulators Association, Finance Officers Associations, automated clearing house associations, American Institute of CPAs, financial planning companies, Securities, Insurance, Licensing Association   Government . . . purchasing officers associations, city clerks, International Institute of Municipal Clerks, National League of Cities, International Worker's Compensation Fund, correctional associations, LA County Management Association, Social Security Administration, Southern California Public Power Authority, public utilities, U.S. Air Force, public personnel associations, public procurement associations, risk management associations, Rehabilitation associations, rural housing associations, community action associations   Women's Events. . . American Heart Associations, Go Red For Women luncheons, Speaking of Women's Health, International Association of Administrative Professionals, administrative professionals events, Toyota Women's Conference, Women in Insurance and Financial Services, Soroptimists, Women in Film & Video, ladies night out events, Henry Ford Health Centers Women's Event, spirit of women events, breast cancer awareness,   Education . . . School Business Officials associations, school superintendent associations, school boards associations, state education associations, community college associations, school administrators associations, school plant managers associations, Head Start associations, Texas adult protective services, school nutrition associations, Association of Elementary and Middle School Principals, principal associations, library associations   Emergency, safety, and Disaster . . . International Association of Emergency Managers, Disney Emergency Managers, state emergency management associations, insurance groups, COPIC, Salt Lake County Public Works and Municipal Services Disaster Recovery Conference, Pennsylvania Governor's Occupational Safety and Health conference, Mid Atlantic Safety conference and Chesapeake Regional Safety Council, Risk associations.  

In this episode of Cybersecurity Today, host Jim Love delves into the latest cyber threats and risks. Key topics include the new phishing campaign Zipline that flips traditional tactics, Google's call for 2.5 billion Gmail users to reset passwords due to a phishing attack by Shiny Hunters, and the emergence of AI-driven ransomware like Prompt Lock. The episode also covers a hijack of the NX build platform leading to a sophisticated supply chain attack, and a whistleblower's claims that the Social Security Administration put personal data at risk by improperly handling sensitive information. Tune in to stay informed on these evolving cyber threats and defensive measures. 00:00 Introduction to Cybersecurity News 00:31 Zipline Phishing: A New Threat 02:14 Google Urges Password Resets 03:51 AI-Powered Ransomware: Prompt Lock 05:48 NX Supply Chain Attack 07:35 Social Security Data at Risk 09:20 Conclusion and Upcoming Shows

Vice President JD Vance sat down with USA TODAY for an exclusive interview Wednesday.Two children were killed in a Minneapolis church shooting.USA TODAY World Affairs Correspondent Kim Hjelmgaard discusses reports in Denmark about U.S. covert operations in Greenland.The White House fired CDC Director Susan Monarez after she refused to quit in a dispute with Health and Human Services Secretary Robert F. Kennedy Jr.The Social Security Administration's chief data officer said in a whistleblower complaint that DOGE put Social Security data of millions of Americans at risk.USA TODAY Senior Reporter Jessica Guynn talks about how some employees are defying return to office mandates.Please let us know what you think of this episode by sending a note to podcasts@usatoday.com.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Department of Government Efficiency members stored a copy of a massive Social Security Administration database in a “vulnerable” custom cloud environment, putting more than 300 million people's personal information at risk, the agency's chief data officer said in a new whistleblower complaint. The complaint, filed with Congress on Tuesday, revealed new concerns from CDO Charles Borges about “serious data security lapses” allegedly involving DOGE officials working at the SSA. According to the complaint, those officials, under the direction of SSA Chief Information Officer Aram Moghaddassi, granted themselves permission to copy Americans' Social Security information onto a cloud server with no verified oversight, violating agency protocols. The Government Accountability Project wrote on behalf of Borges in the complaint that the “vulnerable cloud environment is effectively a live copy of the entire country's Social Security information from the Numerical Identification System (NUMIDENT) database, that apparently lacks any security oversight from SSA or tracking to determine who is accessing or has accessed the copy of this data.” The NUMIDENT data includes all the information applicants use for a Social Security card, including their name, phone number, address, place and date of birth, parents' names and Social Security numbers along with other personal information. The complaint warned: “Should bad actors gain access to this cloud environment, Americans may be susceptible to widespread identity theft, may lose vital healthcare and food benefits, and the government may be responsible for re-issuing every American a new Social Security Number at great cost.” Adele Merritt is out as the top IT official at the National Institutes of Health after roughly eight months in the role, again changing up the leadership in the position. Merritt was first announced as the new chief information officer in December after most recently serving as CIO of the intelligence community. At the time she took on the position, the role hadn't had a permanent official in roughly two years. Merritt's departure comes as the Trump administration has sought to reduce the federal workforce and reshape federal agencies, including HHS. In March, Secretary Robert F. Kennedy announced plans to cut 10,000 workers from the agency on top of 10,000 who had already left via incentivized resignation and retirement offers from the administration. A recent ProPublica analysis of HHS's public directory found that the health agency has lost roughly 18% of its workforce since January. The Daily Scoop Podcast is available every Monday-Friday afternoon. If you want to hear more of the latest from Washington, subscribe to The Daily Scoop Podcast  on Apple Podcasts, Soundcloud, Spotify and YouTube.

A top Social Security Administration official turned whistleblower says members of the Trump administration's Department of Government Efficiency, better known as DOGE uploaded hundreds of millions of Social Security records to a vulnerable cloud server, putting the personal information of most Americans at risk of compromise. Library e-book and audiobook app Libby is adding AI, much to the disappointment of some readers and librarians, who would prefer not to have AI inserted into their favorite apps. The new feature, “Inspire Me,” allows users to get book recommendations by using prompts or from their previously saved titles in Libby. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Referrals are a big part of most freelancer's business, especially comedians and keynote speakers! Here's a quick story about the right and wrong way to go about asking for a referral.   https://www.TheWorkLady.com  Jan McInnis is a top change management keynote speaker and comedian. She uses short funny stories to emphasize her tips on how businesses can use humor to handle change. Jan is a top conference keynote speaker, comedian, Master of Ceremonies, and comedy writer. She has written for Jay Leno's The Tonight Show monologues as well as many other people, places, and groups—radio, TV, syndicated cartoon strips, guests on The Jerry Springer Show (her parents are proud). For over 25 years, she's traveled the country as a keynote speaker and comedian, sharing her unique and practical tips on how to use humor in business (yes, it's a business skill!). She's been featured in The Huffington Post, The Wall Street Journal, and The Washington Post for her clean humor, and she's the author of two books: Finding the Funny Fast – How to Create Quick Humor to Connect with Clients, Coworkers, and Crowds, and Convention Comedian: Stories and Wisdom From Two Decades of Chicken Dinners and Comedy Clubs. She also has a popular podcast titled Comedian Stories: Tales From the Road in Under 5 Minutes. In her former life, she was a marketing executive in Washington, D.C. for national non-profits, and she received the Greater Washington Society of Association Executives “Excellence in Education” Award. Jan's been featured at thousands of events from the Federal Reserve Banks to the Mayo Clinic.   https://www.TheWorkLady.com https://youtu.be/BtjxzDn-QLE https://www.linkedin.com/in/janmcinnis https://twitter.com/janmcinnis https://www.pinterest.com/janmcinnis/pins/ https://www.youtube.com/c/JanMcInnisComedian https://www.facebook.com/ComedianJanMcInnis https://www.instagram.com/jan.mcinnis/   Jan has shared her humor keynotes from Fortune 500 companies to international associations. Groups such as . .. Healthcare. . . Mayo Clinic, Health Information Management Associations, Healthcare Financial Management Associations, Hospitals, Abbott Pharmaceuticals, Sanofi Aventis Pharmaceuticals, Kaiser-Permanente, Davita Dialysis Centers, Blue Cross, Blue Shield, Home Healthcare Associations, Assisted Living Associations, Healthcare Associations, National Council for Prescription Drug Companies, Organization of Nurse Leaders, Medical Group Management Associations, Healthcare Risk Associations, Healthcare Quality Associations   Financial. . . Federal Reserve Banks, BDO Accounting, Transamerica Insurance & Investment Group, Merrill Lynch, treasury management associations, bankers associations, credit unions, Money Transmitter Regulators Association, Finance Officers Associations, automated clearing house associations, American Institute of CPAs, financial planning companies, Securities, Insurance, Licensing Association   Government . . . purchasing officers associations, city clerks, International Institute of Municipal Clerks, National League of Cities, International Worker's Compensation Fund, correctional associations, LA County Management Association, Social Security Administration, Southern California Public Power Authority, public utilities, U.S. Air Force, public personnel associations, public procurement associations, risk management associations, Rehabilitation associations, rural housing associations, community action associations   Women's Events. . . American Heart Associations, Go Red For Women luncheons, Speaking of Women's Health, International Association of Administrative Professionals, administrative professionals events, Toyota Women's Conference, Women in Insurance and Financial Services, Soroptimists, Women in Film & Video, ladies night out events, Henry Ford Health Centers Women's Event, spirit of women events, breast cancer awareness,   Education . . . School Business Officials associations, school superintendent associations, school boards associations, state education associations, community college associations, school administrators associations, school plant managers associations, Head Start associations, Texas adult protective services, school nutrition associations, Association of Elementary and Middle School Principals, principal associations, library associations   Emergency, safety, and Disaster . . . International Association of Emergency Managers, Disney Emergency Managers, state emergency management associations, insurance groups, COPIC, Salt Lake County Public Works and Municipal Services Disaster Recovery Conference, Pennsylvania Governor's Occupational Safety and Health conference, Mid Atlantic Safety conference and Chesapeake Regional Safety Council, Risk associations.    

Required Minimum Distributions (RMDs) could force you to withdraw as much as 15% of your retirement account balance in a single year. But do RMDs really put you at risk of outliving your money? Why does the IRS expect you to live so much longer than the Social Security Administration does? And what proactive steps can you take before age 73 to avoid giving the IRS more than its fair share? In this episode, I'm unpacking: ‣ How RMDs are actually calculated ‣ Why the IRS tables are more conservative than most people realize ‣  The pros and cons of using RMDs to build a dynamic withdrawal strategy I'm also sharing tax planning tips and strategies for navigating your RMDs.  If you're concerned about how RMDs might impact your retirement plan—or you're looking to optimize your tax situation before they kick in—this episode is for you. *** SCHEDULE YOUR FREE DISCOVERY MEETING: My team and I have guided hundreds of families across the U.S. through retirement's biggest challenges over the last two decades. The result? Smarter tax strategies, better investment decisions, and a more confident retirement. If you're seeking clarity and a proven retirement planning process, we'd be honored to help.

What you wear onstage is important. This is a quick story about what NOT to wear. I got to work with someone who wore an odd outfit and her wordrobe choice backfired on her.   https://www.TheWorkLady.com  Jan McInnis is a top change management keynote speaker and comedian. She uses short funny stories to emphasize her tips on how businesses can use humor to handle change. Jan is a top conference keynote speaker, comedian, Master of Ceremonies, and comedy writer. She has written for Jay Leno's The Tonight Show monologues as well as many other people, places, and groups—radio, TV, syndicated cartoon strips, guests on The Jerry Springer Show (her parents are proud). For over 25 years, she's traveled the country as a keynote speaker and comedian, sharing her unique and practical tips on how to use humor in business (yes, it's a business skill!). She's been featured in The Huffington Post, The Wall Street Journal, and The Washington Post for her clean humor, and she's the author of two books: Finding the Funny Fast – How to Create Quick Humor to Connect with Clients, Coworkers, and Crowds, and Convention Comedian: Stories and Wisdom From Two Decades of Chicken Dinners and Comedy Clubs. She also has a popular podcast titled Comedian Stories: Tales From the Road in Under 5 Minutes. In her former life, she was a marketing executive in Washington, D.C. for national non-profits, and she received the Greater Washington Society of Association Executives “Excellence in Education” Award. Jan's been featured at thousands of events from the Federal Reserve Banks to the Mayo Clinic.   https://www.TheWorkLady.com https://youtu.be/BtjxzDn-QLE https://www.linkedin.com/in/janmcinnis https://twitter.com/janmcinnis https://www.pinterest.com/janmcinnis/pins/ https://www.youtube.com/c/JanMcInnisComedian https://www.facebook.com/ComedianJanMcInnis https://www.instagram.com/jan.mcinnis/   Jan has shared her humor keynotes from Fortune 500 companies to international associations. Groups such as . .. Healthcare. . . Mayo Clinic, Health Information Management Associations, Healthcare Financial Management Associations, Hospitals, Abbott Pharmaceuticals, Sanofi Aventis Pharmaceuticals, Kaiser-Permanente, Davita Dialysis Centers, Blue Cross, Blue Shield, Home Healthcare Associations, Assisted Living Associations, Healthcare Associations, National Council for Prescription Drug Companies, Organization of Nurse Leaders, Medical Group Management Associations, Healthcare Risk Associations, Healthcare Quality Associations   Financial. . . Federal Reserve Banks, BDO Accounting, Transamerica Insurance & Investment Group, Merrill Lynch, treasury management associations, bankers associations, credit unions, Money Transmitter Regulators Association, Finance Officers Associations, automated clearing house associations, American Institute of CPAs, financial planning companies, Securities, Insurance, Licensing Association   Government . . . purchasing officers associations, city clerks, International Institute of Municipal Clerks, National League of Cities, International Worker's Compensation Fund, correctional associations, LA County Management Association, Social Security Administration, Southern California Public Power Authority, public utilities, U.S. Air Force, public personnel associations, public procurement associations, risk management associations, Rehabilitation associations, rural housing associations, community action associations   Women's Events. . . American Heart Associations, Go Red For Women luncheons, Speaking of Women's Health, International Association of Administrative Professionals, administrative professionals events, Toyota Women's Conference, Women in Insurance and Financial Services, Soroptimists, Women in Film & Video, ladies night out events, Henry Ford Health Centers Women's Event, spirit of women events, breast cancer awareness,   Education . . . School Business Officials associations, school superintendent associations, school boards associations, state education associations, community college associations, school administrators associations, school plant managers associations, Head Start associations, Texas adult protective services, school nutrition associations, Association of Elementary and Middle School Principals, principal associations, library associations   Emergency, safety, and Disaster . . . International Association of Emergency Managers, Disney Emergency Managers, state emergency management associations, insurance groups, COPIC, Salt Lake County Public Works and Municipal Services Disaster Recovery Conference, Pennsylvania Governor's Occupational Safety and Health conference, Mid Atlantic Safety conference and Chesapeake Regional Safety Council, Risk associations.  

A federal appeals court is giving the Department of Government Efficiency access to sensitive data at several agencies. The U.S. Court of Appeals for the Fourth Circuit overturned a lower court's ruling that barred DOGE from accessing records at the Treasury Department … the Education Department … and the Office of Personnel Management. Appeals court judges ruling in favor of DOGE cited a recent Supreme Court ruling … that allowed DOGE officials access to Social Security Administration data on millions of Americans. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Forbes writer and tax attorney Kelly Phillips Erb joins Jon Hansen on Your Money Matters to discuss the latest proposed changes from the Social Security Administration. Kelly talks about how the administration is proposing that people go online and get a one-time code to obtain things like a benefit verification letter, a tax statement, or […]

As a comedian, I've learned that TV credits don't always define success. People often assume fame equals talent, but my career has thrived without constant screen time. From Irish Pubs to casino gigs, whats in a TV Credit? https://www.TheWorkLady.com  Jan McInnis is a top change management keynote speaker and comedian. She uses short funny stories to emphasize her tips on how businesses can use humor to handle change. Jan is a top conference keynote speaker, comedian, Master of Ceremonies, and comedy writer. She has written for Jay Leno's The Tonight Show monologues as well as many other people, places, and groups—radio, TV, syndicated cartoon strips, guests on The Jerry Springer Show (her parents are proud). For over 25 years, she's traveled the country as a keynote speaker and comedian, sharing her unique and practical tips on how to use humor in business (yes, it's a business skill!). She's been featured in The Huffington Post, The Wall Street Journal, and The Washington Post for her clean humor, and she's the author of two books: Finding the Funny Fast – How to Create Quick Humor to Connect with Clients, Coworkers, and Crowds, and Convention Comedian: Stories and Wisdom From Two Decades of Chicken Dinners and Comedy Clubs. She also has a popular podcast titled Comedian Stories: Tales From the Road in Under 5 Minutes. In her former life, she was a marketing executive in Washington, D.C. for national non-profits, and she received the Greater Washington Society of Association Executives “Excellence in Education” Award. Jan's been featured at thousands of events from the Federal Reserve Banks to the Mayo Clinic.   https://www.TheWorkLady.com https://youtu.be/BtjxzDn-QLE https://www.linkedin.com/in/janmcinnis https://twitter.com/janmcinnis https://www.pinterest.com/janmcinnis/pins/ https://www.youtube.com/c/JanMcInnisComedian https://www.facebook.com/ComedianJanMcInnis https://www.instagram.com/jan.mcinnis/   Jan has shared her humor keynotes from Fortune 500 companies to international associations. Groups such as . .. Healthcare. . . Mayo Clinic, Health Information Management Associations, Healthcare Financial Management Associations, Hospitals, Abbott Pharmaceuticals, Sanofi Aventis Pharmaceuticals, Kaiser-Permanente, Davita Dialysis Centers, Blue Cross, Blue Shield, Home Healthcare Associations, Assisted Living Associations, Healthcare Associations, National Council for Prescription Drug Companies, Organization of Nurse Leaders, Medical Group Management Associations, Healthcare Risk Associations, Healthcare Quality Associations   Financial. . . Federal Reserve Banks, BDO Accounting, Transamerica Insurance & Investment Group, Merrill Lynch, treasury management associations, bankers associations, credit unions, Money Transmitter Regulators Association, Finance Officers Associations, automated clearing house associations, American Institute of CPAs, financial planning companies, Securities, Insurance, Licensing Association   Government . . . purchasing officers associations, city clerks, International Institute of Municipal Clerks, National League of Cities, International Worker's Compensation Fund, correctional associations, LA County Management Association, Social Security Administration, Southern California Public Power Authority, public utilities, U.S. Air Force, public personnel associations, public procurement associations, risk management associations, Rehabilitation associations, rural housing associations, community action associations   Women's Events. . . American Heart Associations, Go Red For Women luncheons, Speaking of Women's Health, International Association of Administrative Professionals, administrative professionals events, Toyota Women's Conference, Women in Insurance and Financial Services, Soroptimists, Women in Film & Video, ladies night out events, Henry Ford Health Centers Women's Event, spirit of women events, breast cancer awareness,   Education . . . School Business Officials associations, school superintendent associations, school boards associations, state education associations, community college associations, school administrators associations, school plant managers associations, Head Start associations, Texas adult protective services, school nutrition associations, Association of Elementary and Middle School Principals, principal associations, library associations   Emergency, safety, and Disaster . . . International Association of Emergency Managers, Disney Emergency Managers, state emergency management associations, insurance groups, COPIC, Salt Lake County Public Works and Municipal Services Disaster Recovery Conference, Pennsylvania Governor's Occupational Safety and Health conference, Mid Atlantic Safety conference and Chesapeake Regional Safety Council, Risk associations.  

Watch The X22 Report On Video No videos found (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:17532056201798502,size:[0, 0],id:"ld-9437-3289"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs");pt> Click On Picture To See Larger PictureThe EU member states are now seeing a major export decline. Trump has Stephen Moore explain how they manipulated the job numbers, Trump says it wasn't a manipulation. Dr. Stephen Miran has been tapped to fill the open Fed position, he is a supporter of gold and crypto. Trump signs EO to allow crypto in retirement accounts. The [DS] is struggling, they are losing power every single day. The panic is real, which means they will fight to block the evidence that is coming out. Trump is ready to release the NG on DC. Trump is now preparing the masses to get use to the NG in cities. Piece by piece Trump is dismantling the [DS] election rigging system. The people are going to see that they never really one an election legally and with the new census it will be completely impossible.   Economy EU faces major export decline amid sluggish growth in key member states  Source: france24.com https://twitter.com/disclosetv/status/1953412614224007600 The Federal Job Cuts Disaster That Never Was  There were a lot of lies put out by the pundits and media shills about what a Trump presidency was going to be like. Members of the press claimed they would be rounded up and put in concentration camps. He was going to revoke gay and interracial marriage. Trump was going to collapse (according to the left-wing media) an already booming Biden-driven economy with a “trade war.” Politicians like Chuck Schumer claimed, with the passage of every piece of legislation, that people were going to die.     Airports would be shut down. People were going to starve to death, or simply drop dead. Veterans and Social Security recipients were going to lose their benefits. We were told that the State Department, losing 1,300 employees out of the 77,000 employees (not counting contractors) was going to cause international harm. We were even told that the horrible customer service at the Social Security Administration was going to somehow get worse. Then came the lie that the gutting of the Department of Education was going to make our children dumber. The list goes on and on. Source: americanthinker.com (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:18510697282300316,size:[0, 0],id:"ld-8599-9832"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs"); https://twitter.com/nicksortor/status/1953555467189506327 TAKE A LISTEN    or effect. The only thing that can destroy our Country are Crooked, Radical Left Judges, of which there are many! https://twitter.com/MeriwetherFarms/status/1953162622519607394   sub-par beef and selling it as “American” Thank you, @POTUS, for putting the American cattle industry FIRST! https://twitter.com/KobeissiLetter/status/1953226328213471603 1. Doubled tariffs on India to 50% 2. Imposed additional 15% tariff on Japan 3. Announced 100% tariff on semiconductors 4. Said pharmaceutical tariffs of 250% coming soon All 4 of these targets have had previous "trade deals" either teased or announced for 4-straight months. Did the trade deals just stall? Trump Plans 100 Percent Tariff on Computer Chips Not Made in US President Donald Trump said Wednesday that he will impose a 100% tariff on computer chips, likely raising the cost of electronics, autos, household appliances and other goods deemed essential for the digital age.

Finance doesn't have to be scary. In this episode of VRTAC-QM's Manager Minute, Kat Martin, Finance Director at the Oregon Commission for the Blind, joins Carol Pankow to break down the complexities of government finance in vocational rehabilitation. Kat shares her journey from the private sector into VR, the lessons she's learned managing federal and state dollars, and the difference between budget authority and actual revenue (spoiler: it's not as simple as it sounds). From making reports accessible for blind colleagues to explaining why finance people should bepartners—not compliance enforcers—Kat offers practical advice, thoughtful insights, and a healthy dose of humor. Whether you're new to VR, leading a program, or just finance-curious, this episode delivers the wisdom you didn't know you needed—plus a little reality check on what it takes to manage complex funding with heart and clarity.   Listen Here   Full Transcript:   {Music}   Kat: It took me a bit to wrap my head around was the difference between budget and revenue. I like the way my executive director describes it to other directors. You have to be paying attention to what's going on with your budget, not because that's the amount of money you have to spend, particularly with federal funding. That is what you have authority to spend. That doesn't mean you have that revenue to spend. If somebody has helped you out, pay it forward, help the next new person out that got their eyes crossed and looking overwhelmed when they're trying to figure out what in the world is re allotment, let alone carryover and maintenance of effort.   Carol: Oh my gosh.   Intro Voice: Manager Minute brought to you by the VRTAC for Quality Management, Conversations powered by VR, one manager at a time, one minute at a time. Here is your host Carol Pankow.   Carol: Well, welcome to the manager minute. Joining me in the studio today is Kat Martin, finance director at the Oregon Commission for the Blind. So, Kat, how are things going in Oregon?   Kat: They're going well. We're getting started on a lovely summer and a new biennium and trying to close out the old ones. So, you know, busy is always in the finance department.   Carol: Yeah, all the things. Nothing like getting the finance director like turnover of a state year and all that. I know you got a lot of things going on. So as the QM grant is winding down, I thought it would be great to hear from a respected VR finance director, someone who's walk the walk. Kat has been a standout voice in her fiscal management community of practice, sharing advice that's grounded, real, and incredibly helpful. So, Kat, let's dig in. So, Kat, can you tell our listeners a bit about your career journey and how did you land in your current role?   Kat: Sure. Thanks, Carol. I worked in the private sector for the first decade or so of my life and realized after about a decade of that that I really needed work that spoke to my heart. And coming from a family of educators, I was a little too late to go back to school and get my teaching credentials at that point in time. But I decided to pursue mission focused organizations that were helping others. So I worked for about six years for a law firm that represented the disabled and injured individuals before the Social Security Administration and the Washington State Department of Labor and Industries. And then I went into public education for about 15 years. About five years ago, I left public education and came to work for the Oregon Commission for the blind. And it was my first role in the world of vocational rehabilitation. So it was a new experience for me. I love a good challenge and it's been that for five years.   Carol: That sounds amazing. I always love to hear how people kind of make their long and winding road into VR, because none of us ever usually get here very directly. So I know when you and I chatted before, you have just some great perspective on any role you take. How do you go about building that solid foundation when you start a new role?   Kat:, You know, I came up through the accounting departments, specifically accounts receivable. So I was working with invoicing and collecting bills, and I experienced a lot of success in those jobs, so much so that I was moved into first supervisory and then management positions and eventually the C-suite role. And when I moved into my first CFO position, I worked with an amazing campus president who talked with me about the fact that my focus up to that point in time as the director of accounting for the organization and my prior professional experience, had been very much compliance focused. And that as her new director of finance, she needed me to be more of a fiscal partner to not only herself, but my peers on the leadership team. So, you know, that took me a little bit to figure out, because when you've been doing it for decades, it's easy to be a compliance goon. It's a little more difficult to figure out what being a finance partner looks like. I recognized that particularly when I was starting a new role like the one I did in VR five years ago. It was really important for me to understand who I needed to form relationships with, what the systems were that I was going to be utilizing to complete my work and to manage those that were completing the day in and day out of the accounting work that we were doing. And then also what were the policies, procedures and standards? So when I start a new job, I like lay out my first 100 days and I create myself a little Venn diagram that is all about those three things where at the intersection of that right in the middle, that's the work that I'm going to be doing for the organization planning, organizing, directing and monitoring their finances and the fiscal health of the organization.   Carol: I love that you have that people, systems and processes. I mean, I think that sweet spot in the middle where all of that intersects is really wonderful. You've talked to me before about this whole compliance goon fiscal partner, and I do like that approach. Can you talk a little more about what that really means to you and kind of how that's played out?   Kat: Yeah, it's really about people and about relationships in a vocational rehabilitation agency. We are helper humans and even fiscal employees, accountants, your travel coordinator, your payroll specialist. They need to be helper humans as well, because it's easy to get all wrapped up in the way we have to transact these certain things or the deadlines that the state lays down. If it's an enterprise wide system that you're using and sometimes lose sight of the fact that the people we are serving are actually the employees who are providing the direct service to the blind Oregonians that we serve at the Oregon Commission for the blind. So I have worked very hard to develop that in myself. And the way I've accomplished that is beginning first with the people I'm going to be serving and whether that's my boss, my peers, my employees, that to report directly to me, my employees that report indirectly to me or those other individuals in the larger organization, like the state's chief financial officer and the state's legislative fiscal office, and maybe the procurement office and the Payroll Services Office to make sure that I know what our place is, but also how we can provide the best possible services within that matrix that we operate in to those eventual end users that we're there to serve so that they don't ever have to worry about, am I going to get paid on time? Is my computer going to be working? Those kind of things I tell my staff when we're doing our jobs exceptionally well, nobody knows what we're doing. And then that allows them to focus on the work that they're doing with our clients.   Carol: How long do you think it takes, really, to get settled, especially coming into VR for a finance person? How long do you feel like you know what, I got this, I feel proficient what I'm doing because I think people have this idea that can come in. I was an accountant here or a CPA, or I've done something else. But you come into this program. How long do you feel it takes you to really get a handle on what's going on.   Kat: A full fiscal cycle in the state of Oregon, we operate on a biennium, so that's a full 24 months. I had been with the agency for two years before. I really felt like, oh, now I'm repeating things and there's a lot of repetition in a finance role, regardless of what role it is, there's a lot of repetition. But what makes it complicated in the VR world, in my state, for instance, is we have state fiscal years that end on June 30th, and then you have your federal fiscal year that ends on September 30th. So right there, those two things are out of sync. And then the VR awards in particular, are the most complicated revenue stream I've ever worked with. Braid those in with the general fund that you have to be on top of, which is truly available to you, and you can sometimes lobby for more. But there's a lot of politics and personalities that you have to deal with when you're trying to obtain more general fund for your agency, and then the limited amount of other funding. So I have been working as a finance director since 2009, and I would have to say that these last five years, it has been the most complicated fiscal management for an organization that I've ever touched upon in my career up to this point in time, because of those complexities between the state and the feds in fiscal years that don't align. And we're on a biennium where, you know, the federal awards are one year, and maybe you can get carryover if you do all the things you got to do to meet the requirements around March to get there.   Carol: And you're confirming what the feds say, because David Steele, who's the unit chief for the fiscal unit at RSA, he often says this is the most federally complex grant. And I remember hearing him a long time ago thinking, is it really? But yeah, it really it really is. Proof is in the pudding when you're actually doing that work. So given all of that complexity, how do you implement like strategies or things that you do to help your leadership, like literally be able to interpret and understand because it is like talking to different languages. And how do you get your whole executive team kind of on board with what's happening because you have these realizations and insights. But that isn't always apparent in the VR world, because a lot of people are not they're not math people. They're people people. They're social services people. They don't know about reading a spreadsheet. You just show them these numbers, and their eyes kind of glaze over and they hear you talking, but they don't know what you're saying.   Kat: Yeah. I think the first thing I try to do is keep it short and simple. And that's not to say that these individuals are not intelligent. They are highly intelligent, and they have skills and expertise that I'm incredibly impressed by. But I have different skills and expertise. And if I'm going to provide the information to them that allows them to make informed decisions about not only what we're doing in the present, but for the duration of whatever the fiscal period is that we're in and for the long term. Then I need to present the information in such a way that it's digestible. Now I work for a blind agency, so that means it needs to be accessible. I see a lot of spreadsheets that folks like myself love to create. You know, it's fun to get in there and do the color coding and the formatting and have multiple tabs that support your summary. Conclusions and charts are then the next best thing in the world, right? You can spend a lot of time on that. And yet my director of rehabilitation services can't see any of it, can't read any of it. So what I need to create for her and for the other 20% of the employees at my agency that is usable and digestible is very straightforward spreadsheets that are readable by the assistive technology they use in order to do their jobs. The other thing that I do to try and help the leadership team, and my executive director in particular is I insist upon regular report outs. It's really easy to be just like, yeah, yeah, Kats got it. Budget to actuals are going to be fine. She knows we don't want to leave any general fund on the table at the end of the biennium. She'll let us know how we're doing with match, but she'll take care of all of it. And what I let them know is I report on the money, but I don't decide how it's spent. I know what's in the purse, but the executive director is holding the purse strings and you all are influencing that spend. So by insisting upon regular report outs, I review budget to actual data summary grant reporting, cash reporting on at least a weekly basis. Right now I'm reviewing that more like 2 to 3 times a week, because it's the end of the biennium and startup of a new one, but the management team gets finalized reporting once a month that is based on the accounting close. And not only do we distribute that to them with the highlights, we want to pinpoint in written format, but then I also present on that every month at the leadership team meeting, when we're reviewing other results for the month and other measures that matter to us.   Carol: I think that's really super good advice for our listeners. I've seen it all across the country. I mean, I've seen where sometimes fiscal people, they are calling all the shots. They aren't that partner. They're like, hey, I'm the one that knows you all can't do math. I'm deciding. I'm doing. People are signing for the director. You know, they're sending stuff in. Directors get it? Zero clue. And while that can be a way to operate. Boy, highly not advisable. Because at the end of the day, the director is the one holding the bag. You know, the buck stops with them. If something goes wrong, something happened. They're the one. And those are the ones that end up getting fired or whatever it may be. So I'm always on the new director end of things. Encouraging people to learn as much as they can. And it's just like learning anything. You take one step at a time, one item at a time, one cell on the spreadsheet to gain understanding. You're not going to be instantly an accountant, but you can get to a level understanding where you hear what's happening. So I appreciate that you've had that experience, because I think you always bring so much to any conversation. Having worked in a blind agency, when you're thinking about how am I going to convey information in a way people can read it for one with assistive technology, not make it so fancy that you kind of lose sight really, of what is trying to be conveyed. So I think you really have great advice there and that you're the partner. I mean, you're advising and then the director's deciding. I think that's a really lovely partnership. What have been your biggest surprises and lessons learned in this role?   Kat: Well, first and foremost, it is more complicated than budgets, significantly larger than what I'm dealing with now because of the interplay of federal and state. Some of the surprises that came to me early on were around the timelines and how important it is to create a calendar of key events that not only takes everything going on with your state into consideration, but all those federal timelines, particularly the federal reporting timelines. We now, after five years, talk about the months between October 1st and the end of January as federal reporting season, because between the support we provide to program with some of their program reports that have fiscal elements in them, and then all of the federal financial reports that have to be submitted during that period of time. There's 18 different reports that my grant accountant and I prepare, review, discuss, and then, of course, go over with the program directors before they are ever submitted to our federal funding partners.   Carol: I'm a huge fan of the calendar. I just have to say, I literally we get calls. I had one of the finance directors from one state. He will remain unnamed, but he calls me on April 30th and he's like, please don't tell me a report is due today, and I'm like, uh, yeah, this is gonna be a really bad day. He said, I gotta go, and he, like, hangs up the phone. I'm like, calendar this stuff. You need the calendar. Oh my gosh. Drives me crazy.   Kat: It's important. And I mean, one of the surprises that came to me is I started with the commission in August of 2020, and a couple of days after I arrived, my senior accountant and we have a small shop. At that time I only had one accountant and two accounting technicians. My senior accountant went out on a family leave of absence about two weeks early. So here I was, no VR experience trying to figure out what the heck I'm doing. I don't even have access to most of the systems. And as it turns out, as the agency security officer, I give everybody else access. But nobody knew how to give me access. So that was an interesting start. And when she came back from her leave, she said to me, so how did that SF 425 report submission going? I'm like, what? SF 425 report submission. So I missed I started my career with the Commission for the blind by missing a federal Financial Report submission.   Carol: Oh my gosh.   Kat: I'm still here. So I guess it wasn't the end of the world that we were late with one report.   Carol: How do you find it so different between like government accounting compared to the other accounting work you've done? I always hear from people that go, government accounting is like nothing else I've ever been exposed to.   Kat: Yeah, it is very different in that having worked in the private sector and the for profit sector for a number of decades, obviously you're looking for efficiencies and effective ways of doing business that drive your bottom line. The profit imperative is just that don't be fooled by what the for profit organizations say they're really about. Making money is what it's all about in the end. But in the public sector and definitely for the government, one of the things that it took me a bit to wrap my head around was the difference between budget and revenue, and I like the way my executive director describes it to other directors that you have to be paying attention to what's going on with your budget, not because that means that's the amount of money you have to spend is because, particularly with federal funding, that is what you have authority to spend. That doesn't mean you have that revenue to spend. So figuring out how to keep track of where am I at, actually, with my approved budget and my limitations on the federal fund and other fund that I operate with? And where am I actually at with cash available to me through my federal grants, was something else that was very new to me, because every place I'd been before budget was budget. You had that to spend, even in higher education, in the public sector. It was like I had that budget to work with for the entire fiscal cycle. Not true here. So you really have to be paying attention to that difference between budget and revenue. I started to say my executive director describes this to other directors. She tries to put it as think about budget as being the line of credit. If you had a credit card in your wallet. Think about it as the line of credit that you could spend up to, but your revenue is actually how much money you actually get paid. So if you have a $50,000 line of credit, but your income for the year is only going to be $25,000, you're going to have a problem when you spend up to that line of credit.   Carol: That is such an awesome point. We have seen lately. There's been some really interesting things with the budget Authority, and this has to do with kind of the reverse, where for whatever reason, you have a federal grant say you get $100 million. But the legislature has said we are only going to give you $90 million of budget authority. And that's cropped up more and more. And so people forget because you've got program income coming in and you've got other kind of sources of these revenues. And the legislature has set this limit. And so you're bumping on it, but your eye is over here. You're looking at well, yeah, but I've got I can match and I can draw these funds. But for whatever reason the legislature hasn't given you enough authority to actually maximize and utilize everything available to you. That is super concerning for folks. And the thing they weren't watching. Really?   Kat: Yeah. And we all know of a state recently that got into difficulties with that. The thing to keep in mind with that too. And we were in a spot where we had to go back to the legislature and ask for an increase in our spending authority, which is even more complicated than going to just the legislative body, because we have a governing board of commissioners. So first we have to go to the commissioners and get approval to take this before the legislature. And there is a lot of months of lead time in order to accomplish those things in the correct order. We needed to do it because we were fortunate enough to receive an additional sum in the Re allotment process last summer, so we were going to be okay with the amount of revenue we were expecting with the existing authority we had to spend. My concern, of course, was we don't got enough money to get through the end of the state fiscal year, let alone the federal fiscal year. So we went after re allotment. Then I didn't have enough authority on the federal side, so we had to get permission from our board of commissioners. Then of course, go through the legislative process to increase our federal fund limitation.   Carol: Well, and that's a whole other probably lesson learned is the whole legislative process and those cycles for the legislature and all of that. That is no small feat to understand. I'm sure your calendaring all of those dates as well.   Kat: I am. Our agency is small enough that not only am I the finance director, I'm also the budget coordinator, so it's helpful to me at the same time. My office is situated a couple hours away from the state capitol where the legislature meets. So for a hearing before Joint Ways and Means, for instance, that maybe is going to last five minutes. It's a four hour round trip, but I go down there for those meetings and I'm ready to answer any questions should they come.   Carol: That's excellent. That's excellent. Now, I know you have been, are particularly like vocal finance director and participate in things. You've done a great job with networking, and I understand you have a bit of a fan club at CSAVR. So what happened there? What's going on with that?   Kat: You know, one of our asks of all of our staff is that they be on camera when we're in virtual meetings, and it's in part because as a blind agency, we are trying to help our clients be prepared for virtual meeting environments as we're helping them launch into the working world. So we need to model those behaviors, right? So I just developed the habit of whenever I'm speaking, even in large group meetings, like the community of practice that you and your team run is that I'll not only come off of mute, but I'll come off of having my camera shuttered so that people can see me talking. I don't know why, but it's become muscle memory, right? Well, as a result of that, because I have a lot to share at times and I want to help others the way I was helped when I first started by fiscal directors with more experience that had been, you know, around the block a couple of times. I like to try and offer up my contact information as well, so people can feel free to reach out and get in touch with me. So when we were at CSAVR the last session, kind of surprisingly, my director and I were walking around and there was a couple of folks that, as we passed, were like, your Kat, right? Your Kat from Oregon blind. And I'm like, I am. And they said, you know how helpful it was. Some of the things that I had berbled out in one of the community of practice meetings and that it had really helped them wrap their head around the topic or the concept or whatever it may be, and also then have conversations with their leadership team and their executive directors, which I was kind of blushing, but I appreciated hearing that what I had done was helpful to others.   Carol: Oh, 100%. We hear it all the time. Whenever you come on and you give some advice and people be like, that really helped me. You know, we've had folks come back the next month and they're like, that really helped me. I was able to talk to our finance people and whatever, you know, any of the things. They were so excited. You've been an immense help. So let me spin that a little different way. Maybe you can help some of our directors. So fiscal folks are coming and going just as quickly as directors and executive leadership. What suggestions would you have for those VR leaders that are hiring fiscal staff? Because sometimes people think they're bringing in somebody and it's going to be the best thing since sliced bread. And then they're like, this didn't work out at all.   Kat: Yeah.   Carol: So I think folks, especially when you're talking to non-math people and such, they don't tend to know. What should they ask?   Kat: Yeah that's a tough one because on paper it is really hard to assess somebody's education and their stated experience in the positions that they've had before. If you're not a finance person and even understanding the difference between accounting and finance, I have to explain to people again that are really intelligent individuals. I mean, they have their master's degree in counseling and rehabilitation. And yet explaining the difference between accounting and finance is something that I do pretty regularly. My first suggestion to directors would be, if you are at all uncomfortable with accessing the written materials that you're receiving in terms of resumes and a well-written cover letter, find somebody in your state that knows a little bit about fiscal and accounting, or rely upon a recruiter. If you're using the state's chief human resource office to help you assess not only the minimum qualifications that you should be asking for when you're going to turn over millions of dollars to an individual who is going to be responsible for planning, organizing, directing, monitoring and reporting on that money, but also in your preferred qualifications. Look for things like foundational knowledge of appropriations and grants. I don't put that as a minimum qualification because I didn't come in with foundational knowledge around appropriations and grants, but I'm eminently teachable. So that's another thing to look for, is, is this somebody that's a lifelong learner? Do they like a good challenge? Are they good with change and do they know how to lead change? I've experienced this quite a bit in the state of Oregon. We have, since I've arrived, adopted two different enterprise wide solutions for payroll and time tracking, contract management and procurement that we didn't really have a choice to adopt these, but the implementations were intended for very large agencies, and we're an agency of 67 employees. So figuring out how to do these things that you're required to use by the larger organization, that you are a part of being the state at your agency to complete the work that you're going to do is somebody that really needs to be a quick learner that's adaptable, and that can lead change because technology is influencing all of our lives and with what's coming with AI, it's going to continue. And these are good things, but it can be tiring if you think you're going to get in the door as a finance director, and it's all going to be business as usual after you've completed that first fiscal cycle. The other things executive directors could look for are somebody that is curious. I think I mentioned flexibility, but adaptability is very important. When I was interviewing for my role, our VR director, who is fully blind, said to me, how are you going to present materials to me so that I am able to access them and read them? And for me, that was like a oh, how exciting, a new opportunity to take my knowledge and present it in such a way that somebody that I've never worked with before, having a visual impairment or blindness, can also use it. So what do I need to do differently to meet their needs? Not expecting them to accept whatever it is I'm pushing out their way and be just like here it is. If you don't get it, well, that's too bad. The last thing I would mention, and this is just because your fiscal director does have a great deal of access, it's important to remain diligent in managing that employee, just like you would any of your other direct reports. I am fully aware of the responsibility that I have for these millions of dollars that our taxpayers dollars, when all is said and done. So you know you don't want to be so trusting of the person that's managing your finances, that you set yourself up for any kind of a situation where maybe a good person does something not so good because they're in a very difficult spot. So that's where even if you don't know, finance, finding somebody in your own professional network that maybe knows a little bit more about this, that even if you ever have a slight inkling, you can say, hey, you know, my finance director told me this. Can we noodle that around just a little bit? Because I want to make sure that it's all okay. Based on your years of experience doing this and your relationship with your finance director.   Carol: That's good advice.   Kat: Yeah. I don't mean to be skeptical. I think it's just realistic to know that when you have access to and the ability to move around millions of dollars, you should be diligent in managing them just like you would anybody else.   Carol: And things have happened across the country in years past, and people have lost jobs and all kinds of things. So it is no joke. That is excellent advice. Do you have any final kind of words of wisdom for our listeners?   Kat: Don't be afraid to admit what you don't know. I mean, early on in my career, as I was being promoted into management positions, I was like, fake it till you make it right and we can all do that. But the further I've progressed and the older I've gotten, I've developed some of that crone wisdom that comes at this decade of your life, which is, boy, there's a whole lot I don't know. And there are people out there that have been doing this for a while. So who do I need to meet? Who do I need to form a relationship with? Who can be my buddy? And then how can I pay that forward? And that would be the other advice is if somebody has helped you out, pay it forward, help the next new person out that got their eyes crossed and looking overwhelmed when they're trying to figure out what in the world is re allotment, let alone carryover and maintenance of effort.   Carol: Oh my gosh. Well Kat, I really appreciate your wisdom and your honesty. You are so direct. I love it for our listeners. If you're a  leader or fiscal staff or share this episode with somebody new in the role, they do not have to do this alone. Thanks so much for joining me today, Kat.   Kat: Thank you Carol.   {Music} Outro Voice: Conversations powered by VR, one manager at a time, one minute at a time, brought to you by the VR TAC for Quality Management. Catch all of our podcast episodes by subscribing on Apple Podcasts, Google Podcasts or wherever you listen to podcasts. Thanks for listening!

This Day in Maine Wednesday, July 30, 2025

Thank you Sandra Dingler, Independent Voter 1, K. Freya Skarin, Lilian Öhrström, and many others for tuning into my live video! Join me for my next live video in the app.* Meet The Press challenges a hyperventilating Lindsey Graham with his past words on Russia & Obama: Lindsey Graham forgot there are videotapes of the times when he was not a Trump sycophant. Kristen Welker exposed him as a lying fraud with his own words about Russia's involvement in the US election. [More]* MTP's Kristen Welker calls out Speaker Johnson on his Hamas lie promoted by genocidal Netanyahu: Meet The Press's Kristen Welker did not allow Speaker Johnson to get away with the lie parroted by genocidal Netanyahu about Hamas stealing food. It's Netanyahu and the IDF starving the Palestinians. [More]* Looming Trump Policy May Mean Longer Wait Times for Millions of Social Security Recipients: Beginning in mid-August, Trump's Social Security Administration will no longer allow seniors to perform many routine tasks related to their benefits over the phone, as they have been able to do for decades. [More]* ‘Capitulation Index' Tracks How US Media Companies Are Responding to Trump Bullying: “This capitulation is… a pervasive trend that applies to nearly all commercial media, including cable and telecommunications firms and online platforms,” said Free Press. [More] To hear more, visit egberto.substack.com

-- On the Show: -- Martin O'Malley, former Governor of Maryland and former commissioner of the Social Security Administration under the Biden administration, joins David to discuss Trump and Republicans' attacks on Social Security --Donald Trump's hints at pardoning Ghislaine Maxwell are triggering public backlash from MAGA leaders like Mike Johnson and Thomas Massie --Donald Trump goes on a bizarre Epstein rant while meeting British PM Keir Starmer and refuses to deny his name is in the files --Donald Trump's $10 million taxpayer-funded golf trip includes incoherent rants, awkward moments, and media cutaways --Donald Trump is unraveling behind the scenes as the Epstein scandal refuses to fade and threatens his legacy --Joe Rogan calls out Trump's Epstein lies and accuses him of gaslighting his base over never releasing the files --JD Vance makes contradictory claims defending Trump's Epstein stance while denying facts about healthcare --Fox guest breaks ranks by explaining Trump's tariffs are a tax passed to consumers, triggering a defensive Brian Kilmeade -- On the Bonus Show: Roy Cooper running for Senate, Ghislaine Maxwell appealing conviction, anti-porn superintendent faces porn investigation, and much more... ✉️ StartMail: Get 50% OFF for a year subscription at https://startmail.com/pakman

Leslie Hammock was born in Perry, Georgia, graduated from Stratford Academy, and later graduated from Mercer University in Macon, Georgia. He began his career with Mass Mutual. After a number of successful years, Leslie founded his own firm. Leslie has extensive personal and professional experience with an emphasis on Retirement and Estate planning strategies for professionals, business owners, and individuals working in both private and government sectors.Leslie has been the recipient of the National Quality Award. He is also a long-time member of the International Association of Registered Financial Consultants (RFC), a member of the National Ethics Association, and an Independent Fiduciary Investment Advisor.Leslie is an approved adult financial education instructor and holds classes at numerous local colleges on the subjects of Investment Planning, Retirement Planning, Social Security Maximization, Estate Planning, and many other topics.Leslie is dedicated to developing lasting relationships with all his clients in their wealth accumulation and preservation objectives. He takes pride in his ability to provide clear, easily understood strategies using various financial products, services, and cutting-edge analytical technology.Learn more: http://www.retirebydesign.com/Disclosure:Securities and investment advisory services offered through Integrity Alliance, LLC, Member SIPC. Integrity Wealth is a marketing name for Integrity Alliance, LLC. Retire By Design is not affiliated with Integrity Wealth.IUL Disclosure:Indexed Universal Life Insurance is an insurance contract that, depending on the contract, may offer a guaranteed annual interest rate and some participation growth, if any, of a stock market index. Such contracts have substantial variation in terms, costs of guarantees and features and may cap participation or returns in significant ways. Any guarantees offered are backed by the financial strength of the insurance company, not an outside entity. Investors are cautioned to carefully review an indexed universal life insurance for its features, costs, risks, and how the variables are calculated.SSA & SSA Max Disclosures:Not associated with or endorsed by the Social Security Administration, Medicare or any other government agency. Maximizing your Social Security Benefits assumes foreknowledge of your date of death. If as an example you wait to claim a higher monthly benefit amount but predecease your average life expectancy, it would have been better to claim your benefits at an earlier age with reduced benefits.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-leslie-hammock-founder-of-retire-by-design-discussing-sequence-of-return

Leslie Hammock was born in Perry, Georgia, graduated from Stratford Academy, and later graduated from Mercer University in Macon, Georgia. He began his career with Mass Mutual. After a number of successful years, Leslie founded his own firm. Leslie has extensive personal and professional experience with an emphasis on Retirement and Estate planning strategies for professionals, business owners, and individuals working in both private and government sectors.Leslie has been the recipient of the National Quality Award. He is also a long-time member of the International Association of Registered Financial Consultants (RFC), a member of the National Ethics Association, and an Independent Fiduciary Investment Advisor.Leslie is an approved adult financial education instructor and holds classes at numerous local colleges on the subjects of Investment Planning, Retirement Planning, Social Security Maximization, Estate Planning, and many other topics.Leslie is dedicated to developing lasting relationships with all his clients in their wealth accumulation and preservation objectives. He takes pride in his ability to provide clear, easily understood strategies using various financial products, services, and cutting-edge analytical technology.Learn more: http://www.retirebydesign.com/Disclosure:Securities and investment advisory services offered through Integrity Alliance, LLC, Member SIPC. Integrity Wealth is a marketing name for Integrity Alliance, LLC. Retire By Design is not affiliated with Integrity Wealth.IUL Disclosure:Indexed Universal Life Insurance is an insurance contract that, depending on the contract, may offer a guaranteed annual interest rate and some participation growth, if any, of a stock market index. Such contracts have substantial variation in terms, costs of guarantees and features and may cap participation or returns in significant ways. Any guarantees offered are backed by the financial strength of the insurance company, not an outside entity. Investors are cautioned to carefully review an indexed universal life insurance for its features, costs, risks, and how the variables are calculated.SSA & SSA Max Disclosures:Not associated with or endorsed by the Social Security Administration, Medicare or any other government agency. Maximizing your Social Security Benefits assumes foreknowledge of your date of death. If as an example you wait to claim a higher monthly benefit amount but predecease your average life expectancy, it would have been better to claim your benefits at an earlier age with reduced benefits.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-leslie-hammock-founder-of-retire-by-design-discussing-sequence-of-return

Since January, Americans have had serious concerns about Elon Musk's DOGE (the “Department of Government Efficiency”) and the privacy of our personal data. The government used to have careful guardrails in place to protect our information. Only certain people, after careful background checks, were given access. But DOGE was given unprecedented access to all of our data, across departments and agencies. And because Trump fast-tracked DOGE with an executive order, employees didn't have to go through the same background checks and screenings. Many were teenagers, including the now infamous 19-year-old hacker whose online name is (sigh) “Big Balls.”Okay, but Elon is gone now. So does that mean DOGE is over? Unfortunately, no. DOGE was never an official government agency (it just hijacked the existing US Digital Service), and Elon Musk was never officially in charge of it, so even without Elon, the work continues. A former DOGE employee is now the chief of staff at the Department of Energy, for example, and two former DOGE members are now senior officials at the Environmental Protection Agency. “Big Balls” himself is now working at the Social Security Administration.Meanwhile, Peter Thiel—another billionaire and the founder of the tech company Palantir—has been working to build a massive, government-run database of Americans. The goal is a one-stop shop with all of our information, from tax returns to medical records, all in the same place. You know, exactly the thing the government has always known not to do.Privacy used to be nonpartisan. Back in the 1970s, Republican Senator Charles Percy said, “I hope that we never see the day when a bureaucrat in Washington can use his organization's computer facilities to assemble a complete dossier of all known information about an individual.” Even in the past few years, data privacy has been an issue that transcends political parties.So reach out to your representatives, no matter where you live, to let them know that you don't want billionaires to have your data. And if all of this feels too overwhelming, try getting involved in your local community. We might not be able to do much about what's happening with our information, but we can make things better for our neighbors.For a transcript of this episode, please email comms@redwine.blue. You can learn more about us at www.redwine.blue or follow us on social media! Twitter: @TheSWPpod and @RedWineBlueUSA Instagram: @RedWineBlueUSA Facebook: @RedWineBlueUSA YouTube: @RedWineBlueUSA

Since January, Americans have had serious concerns about Elon Musk's DOGE (the “Department of Government Efficiency”) and the privacy of our personal data. The government used to have careful guardrails in place to protect our information. Only certain people, after careful background checks, were given access. But DOGE was given unprecedented access to all of our data, across departments and agencies. And because Trump fast-tracked DOGE with an executive order, employees didn't have to go through the same background checks and screenings. Many were teenagers, including the now infamous 19-year-old hacker whose online name is (sigh) “Big Balls.”Okay, but Elon is gone now. So does that mean DOGE is over? Unfortunately, no. DOGE was never an official government agency (it just hijacked the existing US Digital Service), and Elon Musk was never officially in charge of it, so even without Elon, the work continues. A former DOGE employee is now the chief of staff at the Department of Energy, for example, and two former DOGE members are now senior officials at the Environmental Protection Agency. “Big Balls” himself is now working at the Social Security Administration.Meanwhile, Peter Thiel—another billionaire and the founder of the tech company Palantir—has been working to build a massive, government-run database of Americans. The goal is a one-stop shop with all of our information, from tax returns to medical records, all in the same place. You know, exactly the thing the government has always known not to do.Privacy used to be nonpartisan. Back in the 1970s, Republican Senator Charles Percy said, “I hope that we never see the day when a bureaucrat in Washington can use his organization's computer facilities to assemble a complete dossier of all known information about an individual.” Even in the past few years, data privacy has been an issue that transcends political parties.So reach out to your representatives, no matter where you live, to let them know that you don't want billionaires to have your data. And if all of this feels too overwhelming, try getting involved in your local community. We might not be able to do much about what's happening with our information, but we can make things better for our neighbors.

Leslie Hammock was born in Perry, Georgia, graduated from Stratford Academy, and later graduated from Mercer University in Macon, Georgia. He began his career with Mass Mutual. After a number of successful years, Leslie founded his own firm. Leslie has extensive personal and professional experience with an emphasis on Retirement and Estate planning strategies for professionals, business owners, and individuals working in both private and government sectors.Leslie has been the recipient of the National Quality Award. He is also a long-time member of the International Association of Registered Financial Consultants (RFC), a member of the National Ethics Association, and an Independent Fiduciary Investment Advisor.Leslie is an approved adult financial education instructor and holds classes at numerous local colleges on the subjects of Investment Planning, Retirement Planning, Social Security Maximization, Estate Planning, and many other topics.Leslie is dedicated to developing lasting relationships with all his clients in their wealth accumulation and preservation objectives. He takes pride in his ability to provide clear, easily understood strategies using various financial products, services, and cutting-edge analytical technology.Learn more: http://www.retirebydesign.com/Disclosure:Securities and investment advisory services offered through Integrity Alliance, LLC, Member SIPC. Integrity Wealth is a marketing name for Integrity Alliance, LLC. Retire By Design is not affiliated with Integrity Wealth.IUL Disclosure:Indexed Universal Life Insurance is an insurance contract that, depending on the contract, may offer a guaranteed annual interest rate and some participation growth, if any, of a stock market index. Such contracts have substantial variation in terms, costs of guarantees and features and may cap participation or returns in significant ways. Any guarantees offered are backed by the financial strength of the insurance company, not an outside entity. Investors are cautioned to carefully review an indexed universal life insurance for its features, costs, risks, and how the variables are calculated.SSA & SSA Max Disclosures:Not associated with or endorsed by the Social Security Administration, Medicare or any other government agency. Maximizing your Social Security Benefits assumes foreknowledge of your date of death. If as an example you wait to claim a higher monthly benefit amount but predecease your average life expectancy, it would have been better to claim your benefits at an earlier age with reduced benefits.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-leslie-hammock-founder-of-retire-by-design-discussing-how-life-insurance-fits-into-retirement

Leslie Hammock was born in Perry, Georgia, graduated from Stratford Academy, and later graduated from Mercer University in Macon, Georgia. He began his career with Mass Mutual. After a number of successful years, Leslie founded his own firm. Leslie has extensive personal and professional experience with an emphasis on Retirement and Estate planning strategies for professionals, business owners, and individuals working in both private and government sectors.Leslie has been the recipient of the National Quality Award. He is also a long-time member of the International Association of Registered Financial Consultants (RFC), a member of the National Ethics Association, and an Independent Fiduciary Investment Advisor.Leslie is an approved adult financial education instructor and holds classes at numerous local colleges on the subjects of Investment Planning, Retirement Planning, Social Security Maximization, Estate Planning, and many other topics.Leslie is dedicated to developing lasting relationships with all his clients in their wealth accumulation and preservation objectives. He takes pride in his ability to provide clear, easily understood strategies using various financial products, services, and cutting-edge analytical technology.Learn more: http://www.retirebydesign.com/Disclosure:Securities and investment advisory services offered through Integrity Alliance, LLC, Member SIPC. Integrity Wealth is a marketing name for Integrity Alliance, LLC. Retire By Design is not affiliated with Integrity Wealth.IUL Disclosure:Indexed Universal Life Insurance is an insurance contract that, depending on the contract, may offer a guaranteed annual interest rate and some participation growth, if any, of a stock market index. Such contracts have substantial variation in terms, costs of guarantees and features and may cap participation or returns in significant ways. Any guarantees offered are backed by the financial strength of the insurance company, not an outside entity. Investors are cautioned to carefully review an indexed universal life insurance for its features, costs, risks, and how the variables are calculated.SSA & SSA Max Disclosures:Not associated with or endorsed by the Social Security Administration, Medicare or any other government agency. Maximizing your Social Security Benefits assumes foreknowledge of your date of death. If as an example you wait to claim a higher monthly benefit amount but predecease your average life expectancy, it would have been better to claim your benefits at an earlier age with reduced benefits.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-leslie-hammock-founder-of-retire-by-design-discussing-how-life-insurance-fits-into-retirement

Leslie Hammock was born in Perry, Georgia, graduated from Stratford Academy, and later graduated from Mercer University in Macon, Georgia. He began his career with Mass Mutual. After a number of successful years, Leslie founded his own firm. Leslie has extensive personal and professional experience with an emphasis on Retirement and Estate planning strategies for professionals, business owners, and individuals working in both private and government sectors.Leslie has been the recipient of the National Quality Award. He is also a long-time member of the International Association of Registered Financial Consultants (RFC), a member of the National Ethics Association, and an Independent Fiduciary Investment Advisor.Leslie is an approved adult financial education instructor and holds classes at numerous local colleges on the subjects of Investment Planning, Retirement Planning, Social Security Maximization, Estate Planning, and many other topics.Leslie is dedicated to developing lasting relationships with all his clients in their wealth accumulation and preservation objectives. He takes pride in his ability to provide clear, easily understood strategies using various financial products, services, and cutting-edge analytical technology.Learn more: http://www.retirebydesign.com/Disclosure:Securities and investment advisory services offered through Integrity Alliance, LLC, Member SIPC. Integrity Wealth is a marketing name for Integrity Alliance, LLC. Retire By Design is not affiliated with Integrity Wealth.IUL Disclosure:Indexed Universal Life Insurance is an insurance contract that, depending on the contract, may offer a guaranteed annual interest rate and some participation growth, if any, of a stock market index. Such contracts have substantial variation in terms, costs of guarantees and features and may cap participation or returns in significant ways. Any guarantees offered are backed by the financial strength of the insurance company, not an outside entity. Investors are cautioned to carefully review an indexed universal life insurance for its features, costs, risks, and how the variables are calculated.SSA & SSA Max Disclosures:Not associated with or endorsed by the Social Security Administration, Medicare or any other government agency.Maximizing your Social Security Benefits assumes foreknowledge of your date of death. If as an example you wait to claim a higher monthly benefit amount but predecease your average life expectancy, it would have been better to claim your benefits at an earlier age with reduced benefits.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-leslie-hammock-founder-of-retire-by-design-discussing-the-5-risks-of-retirement

Leslie Hammock was born in Perry, Georgia, graduated from Stratford Academy, and later graduated from Mercer University in Macon, Georgia. He began his career with Mass Mutual. After a number of successful years, Leslie founded his own firm. Leslie has extensive personal and professional experience with an emphasis on Retirement and Estate planning strategies for professionals, business owners, and individuals working in both private and government sectors.Leslie has been the recipient of the National Quality Award. He is also a long-time member of the International Association of Registered Financial Consultants (RFC), a member of the National Ethics Association, and an Independent Fiduciary Investment Advisor.Leslie is an approved adult financial education instructor and holds classes at numerous local colleges on the subjects of Investment Planning, Retirement Planning, Social Security Maximization, Estate Planning, and many other topics.Leslie is dedicated to developing lasting relationships with all his clients in their wealth accumulation and preservation objectives. He takes pride in his ability to provide clear, easily understood strategies using various financial products, services, and cutting-edge analytical technology.Learn more: http://www.retirebydesign.com/Disclosure:Securities and investment advisory services offered through Integrity Alliance, LLC, Member SIPC. Integrity Wealth is a marketing name for Integrity Alliance, LLC. Retire By Design is not affiliated with Integrity Wealth.IUL Disclosure:Indexed Universal Life Insurance is an insurance contract that, depending on the contract, may offer a guaranteed annual interest rate and some participation growth, if any, of a stock market index. Such contracts have substantial variation in terms, costs of guarantees and features and may cap participation or returns in significant ways. Any guarantees offered are backed by the financial strength of the insurance company, not an outside entity. Investors are cautioned to carefully review an indexed universal life insurance for its features, costs, risks, and how the variables are calculated.SSA & SSA Max Disclosures:Not associated with or endorsed by the Social Security Administration, Medicare or any other government agency.Maximizing your Social Security Benefits assumes foreknowledge of your date of death. If as an example you wait to claim a higher monthly benefit amount but predecease your average life expectancy, it would have been better to claim your benefits at an earlier age with reduced benefits.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-leslie-hammock-founder-of-retire-by-design-discussing-the-5-risks-of-retirement

Think you know everything about Social Security? Think again. What if the difference between a spousal benefit and a survivor benefit could mean thousands of dollars more in your pocket, but no one tells you? In this eye-opening episode, Stacey Francis sits down with Mary Beth Franklin, a nationally recognized expert on Social Security, to unravel the complex web of rules and opportunities surrounding Social Security for widows and divorced women. With over 2,700 rules in the system, most people make costly mistakes without even knowing it. Mary Beth breaks it all down in clear, practical terms and shares the strategies that can maximize lifetime benefits. You'll hear us discuss: How Social Security retirement, spousal, and survivor benefits are actually separate “pots of money” What divorced women need to know about eligibility for spousal and survivor benefits - even if their ex has remarried How the length of your marriage (and whether you remarried after age 60) can impact what you're entitled to Why claiming benefits early could lead to permanent reductions, and what full retirement age really means The surprising rule that allows widows to claim one benefit now and switch to a higher one later How earnings limits can affect your benefit if you're still working Why children under 18 (and their caregiving parent) may be eligible for survivor benefits after a parent dies Real-life scenarios that show how proper strategy can increase benefits by tens of thousands of dollars How to claim retroactive benefits and what to do if Social Security gave you the wrong advice Where to find the most reliable information and professional help, including Mary Beth's own resources Resources Mary Beth Franklin on Web | X (Twitter) | Email: MBFretirepro@outlook.com | Phone number: 703-609-4764 | Maximizing Social Security Benefits Other resources - Social Security Advisors - help with claiming backpay | Social Security Administration - government website with information on Social Security Benefits Stacy Francis on LinkedIn | X(Twitter) | Email: stacy@francisfinancial.com FrancisFinancial.com Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today!

Today's Headlines: President Trump signed his sweeping budget bill into law. The law eliminates taxes on silencers and some firearms, adds new taxes on remittances, and includes bizarre provisions like $40 million for a MAGA statue garden and Trump-branded savings accounts for babies. It extends Trump's 2017 tax cuts, slashes Medicaid (projected to leave 12 million uninsured), defunds Planned Parenthood reimbursements, and guts food assistance while ballooning ICE's budget to over $100 billion. Elon Musk, furious over the bill's impact on his business, announced a vague new “America Party” as his teen protégé “Big Balls” was hired by the Social Security Administration. Meanwhile, 79 people died in sudden Texas floods, FEMA grant programs are quietly being withdrawn, and Kristi Noem is under scrutiny for accepting undisclosed payments from a nonprofit promoting her political ambitions. On the global stage, Trump's trade war deadline looms with only 3 of 90 deals finalized, and up to 70% tariffs threatened for non-compliant countries. Proximity talks between Israel and Hamas resume this week in Qatar, as Netanyahu visits the White House following Israel's rejection of Hamas's latest ceasefire demands. Resources/Articles mentioned in this episode: NBC News: Trump signs big tax cut and spending bill into law in July Fourth ceremony Axios: An increasing share of American adults are going hungry AP News: Musk to form a new political party after split with Trump over tax cuts law  Wired: ‘Big Balls' Is Now at the Social Security Administration  AP News: Death toll in central Texas flash floods rises to 79 as sheriff says 10 campers remain missing ProPublica: States Fear Critical Funding From FEMA May Be Drying Up ProPublica: Kristi Noem Secretly Took Personal Cut of Political Donations Axios: Tariffs return to April rates on August 1 without deals, Bessent says Axios: Israel and Hamas to hold indirect ceasefire talks in Qatar Morning Announcements is produced by Sami Sage and edited by Grace Hernandez-Johnson Learn more about your ad choices. Visit megaphone.fm/adchoices

This week, we saddle up for another bumpy ride through the dystopian tech clown show. We kick off with the surveillance state's greatest hits: ICE raids sweeping L.A., a website literally called FuckLAPD.com that lets you ID cops by their mug shots, and a Norwegian tourist who learned the hard way that having a JD Vance chipmunk meme on your phone is now grounds for deportation. Pro tip: if you're traveling to the U.S., you might want to wrap your phone in lead and bury it in a cornfield.In the news, Big Balls has apparently rolled his way from Elon's Department of Government Efficiency to the Social Security Administration—because nothing says “government modernization” like a 19-year-old tech bro with a meme nickname. Meanwhile, Tesla robotaxis are hitting the roads (and maybe a few pedestrians) with human babysitters in tow, Waymo and Uber are turning Atlanta into Blade Runner Lite, and Texas wants a permit for your self-driving car. Over in AI hell, judges can't agree if training your chatbot on stolen books is fair use or just digital asbestos. YouTube, never one to miss a race to the bottom, is rolling out an AI Slop button so you can crank up the crap to 11.In Media Candy, Russell Crowe is beefing up his IMDb with Highlander, Henry Cavill is along for the ride, and Anthony Bourdain Day is apparently a thing (even though he'd have rolled his eyes at it). We also dig into everything from Minecraft movies to the sad demise of Blue Microphones at the hands of Logitech. Plus, Dave Bittner drops by to commiserate about malware, retro gaming handhelds, and why some Star Wars maps are basically porn for nerds. And yes—Windows is finally killing the Blue Screen of Death, proving even Microsoft can eventually learn to read the room.DeleteMe - Head over to JoinDeleteMe.com/GOG and use the code "GOG" for 20% off.Private Internet Access - Go to GOG.Show/vpn and sign up today. For a limited time only, you can get OUR favorite VPN for as little as $2.03 a month.SetApp - With a single monthly subscription you get 240+ apps for your Mac. Go to SetApp and get started today!!!1Password - Get a great deal on the only password manager recommended by Grumpy Old Geeks! gog.show/1passwordShow notes at https://gog.show/703FOLLOW UPThe mad scramble to track ICE raids across L.A. County‘FuckLAPD.com' Lets Anyone Use Facial Recognition to Instantly Identify CopsEuropean tourist denied entry to US over JD Vance meme on his phone'My Bad:' Babyface Vance Meme Creator On Norwegian Tourist's DetainmentTravelling to the U.S.? Here's a guide to locking down phones and other devicesIN THE NEWSThe Tyranny of ‘Big Balls' Has Come to an End‘Big Balls' Is Now at the Social Security Administration‘Techno King' Elon Musk Doesn't Own a Computer, His Lawyers Tell CourtTesla's inaugural Robotaxi rides will have a human 'safety monitor' on boardTesla's first robotaxi rides are already running into a few bumpsWaymo and Uber launch robotaxi service in AtlantaTexas will require permits for self-driving cars starting in SeptemberWhat We Know So Far About the Supposed ‘Mother of All Data Breaches'Digital AsbestosThe Oversight Board calls Meta's uneven AI moderation 'incoherent and unjustifiable'Judge rules Anthropic's AI training on copyrighted materials is fair useMeta Wins Blockbuster AI Copyright Case—but There's a CatchJudge: Pirate libraries may have profited from Meta torrenting 80TB of booksTwo Courts Rule On Generative AI and Fair Use — One Gets It RightYouTube Will Add an AI Slop Button Thanks to Google's Veo 3AI Slop: Last Week Tonight with John Oliver (HBO)For the first time, social media overtakes TV as Americans' top news sourceFirst images from the largest camera ever built reveal millions of galaxiesMEDIA CANDYRussell Crowe Lends His Russell Crowe-ness to ‘Highlander'Russell Crowe Arming Up Opposite Henry Cavill In Chad Stahelski's ‘Highlander' At Amazon MGM Studios & UAThe AmateurThe Accountant 2The Godfather of HarlemIn Vogue: The 90sA Minecraft MovieAnthony Bourdain didn't say that (but we wish he did)How to celebrate Bourdain Day, a thing Tony probably would have hatedQuote InvestigatorDoug Liman Will Attempt to Cram Stephen King's Epic Novel ‘The Stand' Into a Single MovieThe Dead ZoneThe Dead Zone on Amazon Prime Video‘The boys got sex. I got poetry': what Britpop was like for womenThe Story Behind the Song: The Bangle's Susanne Hoffs - Eternal FlameLess Than OneAPPS & DOODADSBrave keeps opening google appWindows is finally kicking the Blue Screen of Death to the curbPhilips Hue says US prices will go up in July because of tariffsiPhone Users Upset About Apple Promoting F1 Movie With Wallet App NotificationHDMI 2.2's full specs have been finalized, with better support for modern displaysTHE DARK SIDE WITH DAVEDave BittnerThe CyberWireHacking HumansCaveatControl LoopOnly Malware in the BuildingAndorI Can't Stop Staring at This Massive ‘Star Wars' Galaxy MapLucas Museum of Narrative ArtsRG35XX H, Anbernic Retro Handheld Gaming Console with 64GTF Card, Dual Joystick Design 3.5-inch HD Screen Lasts up to 8 Hours High-Capacity Battery for Better Experience (64G Black)DRAGON GRIP- The Martial Arts Sound Effects ToyReminds me of Weird Al poking fun of this in the “Fat” videoHow Logitech Killed A Great Microphone Company - The History of Blue MicrophonesHomemade Disneyland Star Tours Attraction (Full Ride Experience)See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Months after anti-Putin activist Alexei Navalny died in a Russian prison, his wife, Yulia Navalnaya, now the leading figure of his political movement, spoke with correspondent Lesley Stahl in Navalnaya's first U.S. interview about her late husband's posthumous memoir. Navalnaya discussed the book – Navalny's last act of defiance against the Kremlin, which chronicles his final three years behind bars under often brutal conditions – and his death, which she blames on Russian president Vladimir Putin. She details Alexei's clandestine operation for penning the memoir inside a high-security prison and then smuggling it out; why the couple decided to return to Russia after Navalny was poisoned; and her daring campaign for justice in the wake of his death. Each year, about 2 million Americans receive a bill from the Social Security Administration, saying they were paid too much in benefits and must pay it back. Even if the error is not their fault, they often still have to pay. Correspondent Anderson Cooper reports on how some elderly and disabled people have been burdened with tens of thousands of dollars in debt. Correspondent Cecilia Vega travels to the U.K. for an intimate portrait of actor Kate Winslet, Hollywood's most non-Hollywood A-lister, and discusses her transformative journey to starring in and producing her film, “Lee.” Winslet, who has been a vocal advocate against the insults and inequalities facing women in the film industry, relies on this experience for the role, portraying American photographer Lee Miller, who worked for Vogue as one of the few female war correspondents on the frontline of WWII. As Vega discovers, Winslet and Miller share a resilience and see the world through a similar lens, making her connection more than just a role. 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

Privacy activists, many of whom are supporters of President Donald Trump, are expressing anger and disbelief following reports that his administration had advanced plans to create a national citizen database with technology firm Palantir. The White House has reportedly contracted Palantir, a Colorado-based analytics company co-founded by Trump supporter Peter Thiel, to assist in compiling a database of personal information on American citizens, according to unnamed government officials and Palantir employees. The purported deal follows project talks Palantir had with the Social Security Administration and the Department of Education. Jimmy speaks with author, activist and investigative journalist Derrick Broze about how Trump's embrace of Palantir represents a betrayal of MAGA principles. Plus segments on Catherine Austin Fitts breaking down Elon Musk's plans to institute a social credit system in the U.S. and Elon going scorched earth on Trump's budget bill. Also featuring Kurt Metzger and Mike MacRae. And a phone call from JD Vance!