Podcasts about Social Security Administration

AP's Lisa Dwyer reports on plans to cut in person Social Security visits.

Perhaps the biggest entertainment story...ever...gets our first look today.  This is the Business News Headlines for Friday the 5th day of December, thanks for listening.  In other news, President Trump said that doing away with fuel economy standards would make vehicles more affordable.  Don't bet on it and we'll share the facts.  Technology will allow railroads to skip some human inspections. Meanwhile the Social Security Administration wants to cut field office visits by 50%. We'll check the numbers in The Wall Street Report and we'll take a closer look at the current inflation situation.  Ready…let's go! Thanks for listening! The award winning Insight on Business the News Hour with Michael Libbie is the only weekday business news podcast in the Midwest. The national, regional and some local business news along with long-form business interviews can be heard Monday - Friday. You can subscribe on  PlayerFM, Podbean, iTunes, Spotify, Stitcher or TuneIn Radio. And you can catch The Business News Hour Week in Review each Sunday Noon Central on News/Talk 1540 KXEL. The Business News Hour is a production of Insight Advertising, Marketing & Communications. You can follow us on Twitter @IoB_NewsHour...and on Threads @Insight_On_Business.

At Summit, we believe salon professionals should be able to retire on their own terms. In this last episode in our Financials 101 series with CPA Chris Wittich from Boyum Associates, Chris explains why you should be saving for retirement now, even if you're working your very first job. Chris and Blake discuss retirment investment accounts for individuals like IRAs, Roth IRAs, and 401Ks. Also, did you know you can create an online account with the Social Security Administration and see how much you've been contributing in your working life so far? (We didn't!)From the salon owner perspective, we have advice on providing retirement plans for employees, and how to encourage your staff members to contribute. Find Chris Wittich and his team of salon accounting pros at salon.cpa.  Follow Summit Salon Business Center on Instagram @SummitSalon, and on TikTok at SummitSalon. SUMM IT UP is now on YouTube! Watch extended cuts of our interviews at www.youtube.com/@summitunlockedFind host Blake Reed Evans on Instagram @BlakeReedEvans and on TikTok at blakereedevans. His DM's are always open! You can email Blake at bevans@summitsalon.com. Visit us at SummitSalon.com to connect with others in the industry.

Alcohol and comedy clubs go together very well - which can lead to drama! And not all drama is because someone is drunk. Here's a quick story about a night where alcohol caused drama in the front row . . . but not how you would think.  https://www.TheWorkLady.com  Jan McInnis is a top change management keynote speaker, comedian, and funny motivational speaker who helps organizations use humor to handle change, build resilience, and strengthen leadership skills. With her laugh-out-loud stories and practical tips, Jan shows audiences how humor isn't just entertainment—it's a business skill that drives communication, connection, and stress relief.   A conference keynote speaker, Master of Ceremonies, and comedy writer, Jan has written material for The Tonight Show with Jay Leno as well as radio, TV, and syndicated cartoon strips. She's the author of two books—Finding the Funny Fast and Convention Comedian—and her insights on humor in business have been featured in The Wall Street Journal, The Washington Post, and The Huffington Post. For over 25 years, she has been helping leaders and teams discover how to bounce back from setbacks, embrace change, and connect through comedy.   Jan has delivered keynote speeches at thousands of events nationwide, from the Federal Reserve Banks to the Mayo Clinic, for industries that include healthcare, finance, government, education, women's leadership events, technology, and safety & disaster management. Her client list features respected organizations such as: Healthcare: Mayo Clinic, Kaiser Permanente, Abbott Pharmaceuticals, Health Information Management Associations, Assisted Living Associations Finance: Federal Reserve Banks, Merrill Lynch, Transamerica Insurance, BDO Accounting, American Institute of CPAs, credit unions, banking associations Government: U.S. Air Force, Social Security Administration, International Institute of Municipal Clerks, National League of Cities, public utilities, correctional associations Women's Leadership Events: Toyota Women's Conference, Go Red for Women, Speaking of Women's Health, Soroptimists, Women in Insurance & Financial Services Education: State superintendent associations, community college associations, Head Start associations, National Association of Elementary and Middle School Principals Safety & Disaster: International Association of Emergency Managers, Disney Emergency Management, Mid-Atlantic Safety Conference, risk management associations   Her background as a Washington, D.C. marketing executive gives her a unique perspective that blends business acumen with stand-up comedy. Jan was also honored with the Greater Washington Society of Association Executives "Excellence in Education" Award. Along with her podcast Finding the Funny: Leadership Tips from a Comedian, Jan also produces Comedian Stories: Tales From the Road in Under 5 Minutes. Whether she's headlining a major convention, hosting a leadership retreat, or teaching resilience at a safety conference, Jan's programs give audiences the tools to laugh, learn, and lead.  

This week, the GovNavigators sit down with Sairah Ijaz, Managing Director at Celonis and former federal CIO to talk about her path from a GS-5 intern with a clipboard to one of the most influential technology executives in government.Sairah shares how early roles at the Nuclear Regulatory Commission, Social Security Administration, and GAO shaped her obsession with process improvement, and why that made her move to Celonis such a natural next step. She reflects on major transitions at HUD, including financial system migrations, data-driven decision-making, and the sometimes chaotic reality of inheriting undocumented processes and shrinking institutional knowledge.The conversation dives deep on where AI is actually delivering value in government (and where it isn't), how agencies can operationalize AI in back-office functions, and why understanding real workflows is essential to transforming federal operations, especially in a moment of leadership churn and rapid change.Show Notes:Genesis Mission: EOAGA: CFO SurveyWhat's on the GovNavigators Radar:Dec 1-3: PSC Vision ConferenceDec 4-5: ACT-IAC's in DC 

There are some groups in comedy clubs that comedians dread . . . Bacherlorette parties rank right up there around number 1. I've had to deal with my fair share of them but one club owner actually had a brilliant idea for marketing to them to make extra money. Check out my short story here.  https://www.TheWorkLady.com  Jan McInnis is a top change management keynote speaker, comedian, and funny motivational speaker who helps organizations use humor to handle change, build resilience, and strengthen leadership skills. With her laugh-out-loud stories and practical tips, Jan shows audiences how humor isn't just entertainment—it's a business skill that drives communication, connection, and stress relief.   A conference keynote speaker, Master of Ceremonies, and comedy writer, Jan has written material for The Tonight Show with Jay Leno as well as radio, TV, and syndicated cartoon strips. She's the author of two books—Finding the Funny Fast and Convention Comedian—and her insights on humor in business have been featured in The Wall Street Journal, The Washington Post, and The Huffington Post. For over 25 years, she has been helping leaders and teams discover how to bounce back from setbacks, embrace change, and connect through comedy.   Jan has delivered keynote speeches at thousands of events nationwide, from the Federal Reserve Banks to the Mayo Clinic, for industries that include healthcare, finance, government, education, women's leadership events, technology, and safety & disaster management. Her client list features respected organizations such as: Healthcare: Mayo Clinic, Kaiser Permanente, Abbott Pharmaceuticals, Health Information Management Associations, Assisted Living Associations Finance: Federal Reserve Banks, Merrill Lynch, Transamerica Insurance, BDO Accounting, American Institute of CPAs, credit unions, banking associations Government: U.S. Air Force, Social Security Administration, International Institute of Municipal Clerks, National League of Cities, public utilities, correctional associations Women's Leadership Events: Toyota Women's Conference, Go Red for Women, Speaking of Women's Health, Soroptimists, Women in Insurance & Financial Services Education: State superintendent associations, community college associations, Head Start associations, National Association of Elementary and Middle School Principals Safety & Disaster: International Association of Emergency Managers, Disney Emergency Management, Mid-Atlantic Safety Conference, risk management associations   Her background as a Washington, D.C. marketing executive gives her a unique perspective that blends business acumen with stand-up comedy. Jan was also honored with the Greater Washington Society of Association Executives "Excellence in Education" Award. Along with her podcast Finding the Funny: Leadership Tips from a Comedian, Jan also produces Comedian Stories: Tales From the Road in Under 5 Minutes. Whether she's headlining a major convention, hosting a leadership retreat, or teaching resilience at a safety conference, Jan's programs give audiences the tools to laugh, learn, and lead.  

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 [DS]/[CB] are moving forward with their tax plan world wide, this will destroy their [CB] system. You can now see the difference between the red states and blue states. The American replacement of foreign workers is now in progress. Trump reveals the economic plan to the people. Trump tested the [DS], they used lawfare and the activist judges to dismiss the cases of Comey and James. The prosecution is continues, appeals coming. Time to impeach the Judges. Trump is on the verge of making a peace deal with Russia and Ukraine and the [DS] is trying to stop him. Trump places a target on the Muslim Brotherhood, he will designate them as a terrorist group. The only way is the military, military tribunals. Economy https://twitter.com/disclosetv/status/1992258797830873248?s=20 (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"); Tick, Tick , Tick: Study Shows California Losing A Taxpayer Every Minute  California is facing a perfect storm in finances, with a crippling deficit and a declining tax base. Now, a study of IRS data by the National Taxpayers Union Foundation found that California is losing a taxpayer roughly every minute, as states like Florida, Texas, and North Carolina attract new residents due to lower taxes and higher standards of living. In comparison, Florida gains a new taxpayer every 2 minutes and 9 seconds while Texas gains one every 2 minutes and 53 seconds. The result has been a bonanza for Florida, which is now collecting $4 billion more per year for its budget. The states losing taxpayers at the fastest rate are California, New York, and Illinois. Here is the rate of loss: California: every 1 minute and 44 secondsNew York: every 2 minutes and 23 secondsIllinois: every 6 minutes and 4 seconds.Massachusetts: every 11 minutes and 38 secondsNew Jersey: every 14 minutes and 14 seconds. Source: zerohedge.com https://twitter.com/KobeissiLetter/status/1992969030186025199?s=20   considering allowing Nvidia, $NVDA, to sell advanced AI chips to China.    accurate. Now we can set our sights on the big picture. To that end, President Xi invited me to visit Beijing in April, which I accepted, and I reciprocated where he will be my guest for a State Visit in the U.S. later in the year. We agreed that it is important that we communicate often, which I look forward to doing. Thank you for your attention to this matter!   DONALD J. TRUMP PRESIDENT OF THE UNITED STATES OF AMERICA https://twitter.com/profstonge/status/1992933719192277169?s=20 https://twitter.com/KobeissiLetter/status/1992651508744065266?s=20   other hand, 34% see gold prices falling below $4,000, with 26% anticipating a range of $3,500 to $4,000. Meanwhile, 39% of professional investors in the survey do not own any gold in their portfolios. Gold is also no longer “the most crowded” trade after topping that list for the first time in October. Wall Street is still  unconvinced about gold.    apply to, without avoidance, and the amounts payable to the USA will SKYROCKET, over and above the already historic levels of dollars received. These payments will be RECORD SETTING, and put our Nation on a new and unprecedented course. We are already the “hottest” Country anywhere in the World, but this Tariff POWER will bring America National Security and Wealth the likes of which has never been seen before. Those opposing us are serving hostile foreign interests that are not aligned with the success, safety and prosperity of the USA. They couldn't care less about us. I look so much forward to the United States Supreme Court's decision on this urgent and time sensitive matter so that we can continue, in an uninterrupted manner to, MAKE AMERICA GREAT AGAIN! Thank you for your attention to this matter! President DJT https://twitter.com/589bull10000/status/1992941720628047931?s=20   Read what he actually said: – Importers burned through the “stock up” dodge – Now they're trapped— everything they buy gets hit – Tariff revenue is about to explode vertically – America becomes a trade-powered superstate – And anyone opposing it is “serving hostile foreign interests ” If SCOTUS blocks this, they're siding with the global parasites not the American people. This is the keystone to the entire monetary reset: • RLUSD as the digital dollar • XRP/XDC settling global flow • ISO 20022 rails snapping together • Ripple + BNY Mellon wiring the system • BRICS commodity shift accelerating • Iraq's IQD prepping for international use • Tariffs funding the transition away from income tax It's all connected and Trump knows exactly what he's doing. He's daring SCOTUS to kill the revenue engine powering America's comeback. Refunds? Please. That would nuke the entire global architecture being built right now. SCOTUS isn't suicidal. This is the moment the old system dies and the new one comes online. You're watching the reset happen in real time Political/Rights https://twitter.com/RobertMSterling/status/1992807431747891538?s=20 https://twitter.com/TriciaOhio/status/1992956196794343889?s=20   used their training and appropriate force. https://twitter.com/DHSgov/status/1992972952313249990?s=20 https://twitter.com/Geiger_Capital/status/1992731012174954975?s=20   immigration.” The 1924 Act passed the House and Senate with overwhelming support. Democrats AND Republicans agreed. The bill introduced tight immigration quotas, new visa requirements, the Border Patrol, and outright banned immigrants from certain countries that we viewed as incompatible with our culture. It dramatically reduced the number of people coming into the country, and provided an opportunity for the recent “great wave” of immigrants to assimilate. By the 1940’s and 1950’s, American society thrived with a boomimg economy, rising middle class, common culture and limited immigration. The Act was in place until 1965. Since then, we have experienced decades of *historic* immigration, both legal and illegal. Today we have higher levels of foreign-born than the early 1900's by both raw number and percentage of population. This mass immigration has also included vastly different cultures than the mostly Europeans we accepted then. It's obvious that we once again need to make a national policy shift, and it should be bipartisan… It's time for another Immigration Act. https://twitter.com/elonmusk/status/1992591518314668440?s=20 https://twitter.com/EndWokeness/status/1992794921569517639?s=20 DOGE  https://twitter.com/ElectionWiz/status/1992754205308944525?s=20 https://twitter.com/drawandstrike/status/1992765443052814719?s=20 based on recent reports, it’s true that DOGE (Department of Government Efficiency) has been integrated into many federal agencies through embedded teams, staff, or operational units—often described as “DOGE offices” or equivalents—that continue its mission of efficiency, waste reduction, and oversight. This decentralization followed the quiet disbandment of DOGE as a standalone entity around November 2025, ahead of its original July 2026 expiration.  While sources vary on the exact scope (e.g., “all” vs. “many” agencies), the embedding is widespread and includes: Office of Personnel Management (OPM): Acts as a central hub for DOGE’s workforce reduction directives, with embedded staff handling HR overhauls and agency-wide efficiency mandates.  Office of Management and Budget (OMB): Institutionalizes DOGE’s tools for deregulation, AI audits, and budget cuts, with teams funded through agency IT modernization funds.  Department of Health and Human Services (HHS): Former DOGE staffers in roles like chief technology officer, focusing on fraud detection and program streamlining.  State Department: Embedded personnel overseeing foreign assistance and efficiency reforms. Department of Education: DOGE teams with access to federal student loan data and other systems for waste elimination. Treasury Department (including IRS): Staff integrated for system access and financial oversight. Other agencies: Reports mention integration in the Department of Housing and Urban Development (HUD), Office of Naval Research, General Services Administration (GSA), Social Security Administration, and dozens more, with over 100 former DOGE staffers reassigned across the government. Some agencies were directed to establish minimum teams of four specialists (e.g., engineer, HR expert, lawyer, and lead) coordinating with a rebranded U.S. DOGE Service in the Executive Office of the President. This model makes DOGE’s influence more pervasive and harder to dismantle, as it’s no longer a single target but distributed “watchdogs” with data access and decision-making roles. Critics, including Democrats, have raised concerns about political influence from these embedded staffers. Overall, while not every minor agency may have a formal “DOGE office,” the embedding affects a broad swath of the federal government, with ongoing activities like contract terminations (e.g., $1.9 billion in recent cancellations). Geopolitical https://twitter.com/disclosetv/status/1992964442380779549?s=20 https://twitter.com/CynicalPublius/status/1992964685071839677?s=20   Barbary Pirates were a raiding group of true pirates who captured American and European ships off of the North African coast, stole the ships and cargo, and enslaved or ransomed the crews. The pirates were generally under the control of the Ottoman Tripolitania, and many were true privateers: i.e., civilian ships and civilian crews causing great harm to American interests. So President Thomas Jefferson sent the Navy and the Marine Corps to North Africa to blow those private ships and crews the hell out of the water. Tommy J. didn't have Predator drones like Trump is using to blow narcoterrorists out of the water who are trying to slaughter hundreds of thousands of Americans with fentanyl, but Tommy did have some kick-ass Marines to blow pirates out of the water who were enslaving American citizens. Right on the shores of Tripoli. Hence the song. But Democrats are too stupid to know what that means. ‘Murica. Blowing up civilian ships since 1801, all to protect America. So how about it, you lobotomite Democrats? Were Tommy J.'s orders lawful or unlawful? We all know the answer, even though you won't admit it. Lawful. Just like Trump's lawful preservation of American lives from the scourge of fentanyl. Learn a little history, you Democrat goons. Now go write the Marines' Hymn 5,000 times on the blackboard until you learn your lesson.  War/Peace Europe’s Counter-Plan For Ukraine Peace Leaves Door Wide Open For NATO Admission  Even as the Trump White House is busy in Europe trying to get NATO and EU states on board its 28-point peace plan which controversially demands the Ukrainian side cede territory, the Europeans have leaked their own counter-plan which proposes much less in the way of compromise with Russia. The UK, France, and Germany have put forward their own counter-proposal, and the draft differs sharply from the US version. Like with prior proposed deals, it contains terms which Moscow is expected to flatly reject, mostly notably it does not provide guarantees that Ukraine will stay out of NATO, and also absent is the ceding of any territory. While Trump’s plan makes clear that Ukraine must renounce ever joining NATO, the European draft states that Ukraine's potential NATO membership “depends on the consensus of NATO members, which does not exist.” This intentionally ambiguous language of course leaves leaves the door wide open, dependent on when such consensus is reached. Source: zerohedge.com Iuliia Mendel, a former press secretary for Ukrainian President Volodymyr Zelensky, called for Ukraine to take a proposed peace deal to end the war with Russia. https://twitter.com/IuliiaMendel/status/1992359920587456588?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E1992359920587456588%7Ctwgr%5E9b767ce8c41408adb1f6ebbec3a08e6fcaf1888f%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fwww.breitbart.com%2Ft%2Fassets%2Fhtml%2Ftweet-5.html1992359920587456588   Russian budget or support Ukraine enough to win, no direct dialogue with Moscow, and no meaningful leverage over either the Kremlin or Washington. Arguments that “Russia has gained so little land” sound almost childish when you consider the human cost. We have lost more people in three years than some European nations have as the whole population. My country is bleeding out. Many who reflexively oppose every peace proposal believe they are defending Ukraine. With all respect, that is the clearest proof they have no idea what is actually happening on the front lines and inside the country right now. War is not a Hollywood movie. I will never abandon the values that God and democracy both place at the very foundation of human existence: human life is the highest good, and people — living, breathing people — are the ones who must be saved. https://twitter.com/greg_price11/status/1992980022043213980?s=20  sided with Dems to oppose Trump’s tariffs, fought against nuking the filibuster, and is now attacking President Trump for working to end the Russia/Ukraine war. Medical/False Flags https://twitter.com/AGJamesUthmeier/status/1992956482351215039?s=20 https://twitter.com/DC_Draino/status/1992706763112776014?s=20 [DS] Agenda https://twitter.com/EndWokeness/status/1992835356798980492?s=20 https://twitter.com/Riley_Gaines_/status/1992677326249750743?s=20 https://twitter.com/MattWalshBlog/status/1992755422542074095?s=20   identify the foreign intruders and bully them mercilessly until they shut up and leave us alone. We cannot talk about or fix any of our problems with a mob of foreigners constantly barging into the conversation. https://twitter.com/EricLDaugh/status/1992780986891813024?s=20   couldn’t remember where the dead gum bathroom was. And he’s reviewed 8,000 files on pardons? Give me a freaking break!” “Almost a thousand NGOs working out of Afghanistan…they’ve told us that we’ve given them close to $5 billion and we’re still doing it because it goes to the NGOs!” “The Democrats fought that amendment that we added NGOs into the bill. Why? Because there’s a thousand NGOs and you know good and well that that money’s coming right back to Washington!” President Trump's Plan https://twitter.com/libsoftiktok/status/1992975955913036001?s=20  https://twitter.com/libsoftiktok/status/1992967800407589115?s=20 https://twitter.com/FBIDDBongino/status/1992469890679394430?s=20 https://twitter.com/ColonelTowner/status/1992776650157600796?s=20 https://twitter.com/realLizUSA/status/1992623917551538562?s=20 BREAKING: Clinton Judge Dismisses Comey, Letitia James Cases – Rules Lindsey Halligan Illegally Appointed A federal judge  dismissed the criminal cases against James Comey and Letitia James. The case was dismissed without prejudice. Judge Cameron McGowan Currie, a Clinton appointee ruled that US Attorney Lindsey Halligan was invalidly appointed: For the reasons set forth above, it is hereby ORDERED AND ADJUDGED as follows: 1. The appointment of Ms. Halligan as Interim U.S. Attorney violated 28 U.S.C. § 546 and the Appointments Clause of the U.S. Constitution. 2. All actions flowing from Ms. Halligan's defective appointment, including securing and signing Mr. Comey's indictment, were unlawful exercises of executive power and are hereby set aside. 3. The Attorney General's attempts to ratify Ms. Halligan's actions were ineffective and are hereby set aside. 4. Mr. Comey's motion to dismiss the indictment (ECF No. 60) is granted in accordance with this order. 5. The indictment is dismissed without prejudice. 6. The power to appoint an interim U.S. Attorney for the Eastern District of Virginia pursuant to 28 U.S.C. § 546 during the current vacancy lies with the district court until a U.S. Attorney is nominated by the President and confirmed by the Senate under 28 U.S.C. § 541. Source: thegatewaypundit.com Comey’s indictment is “dismissed without prejudice.” A former DOJ official said that means the indictment could potentially be refiled. https://twitter.com/CynicalPublius/status/1993028886393958499?s=20 https://twitter.com/EricLDaugh/status/1992711909184000022?s=20  now defend Big, Rich Insurance. The bill would halt Obamacare premium spikes, per MSNOW. The plan reportedly includes a DEPOSIT mechanism, putting money into a Health Savings Account, incentivizing lower-premium options. It would also end the premium hikes, end zero-premium subsidies, and STOP massive fraud known as “ghost beneficiaries.” Trump recently said: “I am calling today for insurance companies NOT to be paid. But for this massive amount of money be paid DIRECTLY to the people so they can buy their own healthcare!” “We will pay a lot of money to the people, and FORGET this Obamacare madness!” Klobuchar Delivers Insane Word Salad When Asked What Specific “Illegal” Orders Trump Issued the Military (VIDEO)  NBC's Kristen Welker actually pressed Democrat Senator Amy Klobuchar about the seditious Democrat lawmakers and their viral video urging the military to refuse President Trump's orders.   NBC's Kristen Welker on Sunday asked Klobuchar what specific “illegal acts” the seditious Democrats were referring to in the viral video. “I wonder, do you know what the specific, illegal acts are that your democratic colleagues were referring to there?” Kristen Welker asked Klobuchar. Klobuchar could not answer Welker. She delivered a word salad about the National Guard and a District Judge's order. “If their commander were to tell them, hey go out on the streets… and do this and that, that's not following the order that is in law,” Klobuchar said. Source: thegatewaypundit.com  WATCH: Sen. Elissa Slotkin Now Admits Trump NEVER Issued an Illegal Order – Compares Trump to Hitler, Cites Nuremberg while Defending Her Calls for Military Sedition The Democrats' orders to defy President Trump's lawful orders and their outrage over Trump's calls for accountability– and even the death penalty– are now blowing up in their faces after days of intended backlash against Trump.  Trump is being proven right to call for criminal charges and the death penalty, if a jury determines it appropriate, by their own statements! Source: thegatewaypundit.com https://twitter.com/TheNotoriousLMC/status/1992413372504301986?s=20 Sen Mark Kelly is being investigated for violations of the UCMJ after his video telling service members to disobey the duly elected Commander in Chief. https://twitter.com/DeptofWar/status/1992999267967905905?s=20   has been initiated to determine further actions, which may include recall to active duty for court-martial proceedings or administrative measures. This matter will be handled in compliance with military law, ensuring due process and impartiality. Further official comments will be limited, to preserve the integrity of the proceedings. The Department of War reminds all individuals that military retirees remain subject to the UCMJ for applicable offenses, and federal laws such as 18 U.S.C. § 2387 prohibit actions intended to interfere with the loyalty, morale, or good order and discipline of the armed forces. Any violations will be addressed through appropriate legal channels. All servicemembers are reminded that they have a legal obligation under the UCMJ to obey lawful orders and that orders are presumed to be lawful. A servicemember's personal philosophy does not justify or excuse the disobedience of an otherwise lawful order.   https://twitter.com/ShadowofEzra/status/1992766569265401863?s=20 https://twitter.com/libsoftiktok/status/1992977389849035017?s=20 https://twitter.com/ScottJenningsKY/status/1992991385616601256?s=20   now have the Strongest Border EVER, Biggest Tax Cuts, the Best Economy, Highest Stock Market in USA History, and sooo much more. BUT, THE BEST IS YET TO COME! VOTE REPUBLICAN!!! (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:13499335648425062,size:[0, 0],id:"ld-7164-1323"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="//cdn2.customads.co/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs");

Yes, but these are special dolls! Here's a quick story about some dolls I was given to help me stop worrying about the future! It was a cool gift and I've used them for decades. Take a listen to see if you might need a set of these!  https://www.TheWorkLady.com  Jan McInnis is a top change management keynote speaker, comedian, and funny motivational speaker who helps organizations use humor to handle change, build resilience, and strengthen leadership skills. With her laugh-out-loud stories and practical tips, Jan shows audiences how humor isn't just entertainment—it's a business skill that drives communication, connection, and stress relief.   A conference keynote speaker, Master of Ceremonies, and comedy writer, Jan has written material for The Tonight Show with Jay Leno as well as radio, TV, and syndicated cartoon strips. She's the author of two books—Finding the Funny Fast and Convention Comedian—and her insights on humor in business have been featured in The Wall Street Journal, The Washington Post, and The Huffington Post. For over 25 years, she has been helping leaders and teams discover how to bounce back from setbacks, embrace change, and connect through comedy.   Jan has delivered keynote speeches at thousands of events nationwide, from the Federal Reserve Banks to the Mayo Clinic, for industries that include healthcare, finance, government, education, women's leadership events, technology, and safety & disaster management. Her client list features respected organizations such as: Healthcare: Mayo Clinic, Kaiser Permanente, Abbott Pharmaceuticals, Health Information Management Associations, Assisted Living Associations Finance: Federal Reserve Banks, Merrill Lynch, Transamerica Insurance, BDO Accounting, American Institute of CPAs, credit unions, banking associations Government: U.S. Air Force, Social Security Administration, International Institute of Municipal Clerks, National League of Cities, public utilities, correctional associations Women's Leadership Events: Toyota Women's Conference, Go Red for Women, Speaking of Women's Health, Soroptimists, Women in Insurance & Financial Services Education: State superintendent associations, community college associations, Head Start associations, National Association of Elementary and Middle School Principals Safety & Disaster: International Association of Emergency Managers, Disney Emergency Management, Mid-Atlantic Safety Conference, risk management associations   Her background as a Washington, D.C. marketing executive gives her a unique perspective that blends business acumen with stand-up comedy. Jan was also honored with the Greater Washington Society of Association Executives "Excellence in Education" Award. Along with her podcast Finding the Funny: Leadership Tips from a Comedian, Jan also produces Comedian Stories: Tales From the Road in Under 5 Minutes. Whether she's headlining a major convention, hosting a leadership retreat, or teaching resilience at a safety conference, Jan's programs give audiences the tools to laugh, learn, and lead.  

Think identity thieves only target high income individuals, a bigger prize if you will? False. Identity thieves target anybody they think might fall for their scams. They'll keep coming up with new ways for unsuspecting victims to hand over personal and financial information. Keep listening to learn a little more about how thieves work to steal your identity, and a few things you can do to stop them in their tracks.   Links: FTC Consumer Sentinel Report Learn more about USPS Informed Delivery Service Monitor your Social Security account  Get identity theft protection with a Better Checking account Check out TCU University for financial education tips and resources! Follow us on Facebook, Instagram and Twitter! Learn more about Triangle Credit Union   Transcript: Welcome to Money Tip Tuesday from the Making Money Personal podcast.  Have you heard any of these following stories recently?  An elderly woman was scammed for tens of thousands of dollars, including the purchase of a vehicle and applications for multiple loans. (KSAT)  A young professional's stolen wallet resulted in reports of bad checks, dozens of new credit cards, false criminal charges, and more. (LA Times)   The NFL's number one draft pick Cam Ward was targeted by identity thieves, resulting in high interest loans, liens on his home, and more, resulting in $250,000 in fraudulent debt. (The Guardian)  These true stories are just a few examples of identity theft that could happen to anyone, regardless of your age, occupation, financial status, or where you live. In each case, the victims learned about the crime after their information was stolen and had already been used multiple times.   Identity theft occurs when someone steals another person's sensitive personal information and either uses it as their own or sells it on the black market for other perpetrators to use for financial gain or fraud. Identity theft has been making headlines for years; however, each and every year, thieves become more sophisticated. Staying in step with these criminal advances is a constant struggle for small business owners, corporations, and individual consumers alike. In spite of the work that is being done to keep our information safe, cases of identity theft continue to be reported at an alarming rate.   According to the Federal Trade Commission's Consumer Sentinel Report covering the full year of 2024, reported cases of identity theft have increased by over 584% in the last 20 years. Here are some other highlights from this report:  Last year, more than 2.6 million cases of identity theft were reported, and more than 1 in 3 people who reported a scam also reported losing money.  The median loss to fraud victims is almost $500, with total reported losses of more than $12 billion, an increase of more than 25% compared to 2023.  The most common type of identity theft is credit card fraud, which includes using stolen information to open a line of credit as well as using a legitimate card fraudulently.  Experts estimate that there is a case of identity theft every 22 seconds and that 33% of Americans will face this issue in their lifetime.  While safeguarding your personal information is key, so is knowing what to do if you find out that you have already become a victim of identity theft. First, you should know what red flags to watch out for, as time is of the essence when dealing with identity theft. The longer you wait to begin the recovery process, the more losses you risk facing. Early warning signs of identity theft can include:   Finding unknown charges on your credit card or bank statement. Receiving calls from collection agencies about debts you aren't aware of. Seeing unfamiliar withdrawals from your financial accounts. Receiving bills for items you didn't purchase or services you didn't request. Finding out that a tax return has already been filed in your name, prior to filing your own. Being unexpectedly denied on a loan application. Receiving notification of a line of credit that you did not open. Getting notifications or other information about government benefits or loans that you did not apply for.  If any of the above signs apply to you, they should be addressed immediately. For those of you who have a Triangle Better Checking account, you have access to dedicated Identity Theft Recovery Advocates who can help you assess what information has been compromised and assist in quickly taking steps to stop the damage and recover your identity, regardless of the type of identity theft or how it happened.  Once you have addressed the immediate issues surrounding the theft of your personal information, there are a few things you can do to help protect your identity in the future.   Regularly check your bills and financial statements. It's common practice for scammers to make small purchases or withdrawals first to see if they can get away with it before attempting larger purchases or loans. Notify your financial institution immediately if you see a charge that you don't recognize.   Use unique passwords for each of your online accounts. If a hacker obtains your password for one account, they will likely pair it with your name or email address on other sites to see what else they can gain access to. Consider using a trusted password service to help manage unique passwords for you. Changing your passwords regularly is another effective deterrent against scammers.    Collect your mail daily and pay attention to any recurring items, like bank and credit card statements, to make sure you don't miss any. Some thieves take envelopes containing s;pppp00oensitive information out of mailboxes. If you are away from your home for an extended period of time, notify the postal service to hold your mail while you are gone. It is also a good idea to enroll in USPS Informed Delivery, a free service from the postal service that shows you preview images of incoming mail, plus status updates about your incoming and outbound packages.   Monitor your Social Security account. Set up a free account with the Social Security Administration to help ensure your Social Security number isn't fraudulently claimed by someone else.   Identity theft can happen to anyone, and its effects can range from a small annoyance to financial devastation. The best protection is prevention, but if your information is used without your knowledge, we are standing by to help. If you are a Better Checking account holder and you think that you might be a victim of identity theft, contact the friendly staff at Triangle and we will put you in touch with a professional Identity Theft Recovery Advocate.  If there are any other tips or topics, you'd like us to cover, let us know at tcupodcast@trianglecu.org.  Like and follow our Making Money Personal FB and IG page and look for our sponsor, Triangle Credit Union on social media to share your thoughts.   Thanks for listening to today's Money Tip Tuesday and check out our other tips and episodes on the Making Money Personal podcast.   Have a great day! 

Should I Use My Savings to Delay Collecting Social Security? Episode 358 – Deciding when to collect Social Security is one of the most important financial decisions you'll ever make. Make a mistake there and you'll pay for it—every month for the rest of your life. But what if you want to retire early? That doesn't mean you also need to collect early. A “bridge” strategy can be an important tool to get you through those years between giving up your job and collecting Social Security. It could make you much better off in the long run. More SML Planning Minute Podcast Episodes Transcript of Podcast Episode 358 Hello, this is Bill Rainaldi, with another edition of Security Mutual's SML Planning Minute. In today's episode, should I use an annuity or my savings to delay collecting Social Security? So, you're getting near that age. You want to retire when you reach age 65 and become eligible for Medicare, and you're almost there. How are you going to finance it? There's no doubt you're going to miss having a steady paycheck. Should you file early for your Social Security benefit? That will replace at least some of your lost paycheck. You'll need to start by taking a look at some numbers. Let's say that, according to your statement from the Social Security Administration, your “Primary Insurance Amount,” or the benefit you would get at Full Retirement Age, which is age 67, is $3,000 per month. But if you collect at 65, you're starting two years early. Your benefit would be permanently reduced to $2,550 before annual cost of living adjustments.[1] It’s the permanent part that causes concern. If you live to age 85, you're giving up $450 per month for the 18 years between 67 and 85. On the other hand, if you were to wait until age 70 to collect, you would get $3,720 per month. You'd have to forego the five years of benefits, but your retirement from age 70 on is likely to be a bit more comfortable. And “longevity risk”—in other words, the possibility of outliving your money—is one of the biggest issues people face in retirement. Waiting until 70 helps minimize it. So, which option is better? It would be an easy choice if you knew exactly how long you're going to live. But of course, none of us do. If you end up dying at age 71, you would have been better off collecting early. If you end up living well into your eighties, you'll have more money overall if you choose to wait. And then there's the issue of the Social Security Trust Funds. They're running out of money, and expected to go bankrupt in the year 2034. But that doesn't mean your payment will disappear. If nothing is done between now and then, all payments will be reduced by approximately 19 percent. [2] This has caused some people to collect early.[3] But there is a reasonable chance that the people in Washington will “fix” Social Security before any payments are reduced.[4] That's what they've always done in past.[5] No guarantees, of course, but it seems highly unlikely politicians will allow benefits to be dramatically reduced. So, getting back to our original issue, what if you've got a good life expectancy? It would probably be best to wait until age 70 to collect, but you're planning on retiring at age 65. How are you going to get by for those five years in between, when you no longer have a paycheck, but haven't started collecting your Social Security? This is where you may want to look at some sort of “bridge” strategy. Mitigating longevity risk is a good reason to implement a bridge strategy, but there's more. According to a recent study, if you have the money to implement a bridge strategy, you can also meaningfully raise your standard of living without increasing your chance of running out of money in retirement.[6] The increased monthly Social Security benefit helps provide a dependable stream of income for the recipient which can allow for greater flexibility with remaining savings and investments. There are several possibilities when it comes to getting through that gap. If you're worried about no longer having a steady paycheck, one popular option is to purchase an annuity to provide you with the income you need to get you from 65 to 70. It can certainly help alleviate your anxiety. A single-premium immediate annuity is something that tends to work well with a Social Security bridge strategy.[7] But you need to shop around. And for the purposes of bridging the gap, you can get an annuity with a specific term. A five-year annuity would work well with the example we are using here. The other main bridging alternative is to use some of your accumulated savings. In a recent study, actuary and retirement specialist Ken Steiner concluded that using accumulated savings for Social Security bridge strategies can work well if: You expect to live longer You have enough assets that you can fund your bridge payments relatively easily You want to bolster what he calls your “floor portfolios,” that is, your less risky investments, and… You have other assets which can be invested in more risky places.[8] In the end, the financial decisions you make in your 60's are likely to have a huge impact on the rest of your life and deciding when to collect Social Security is one of the most important of those decisions. Make a mistake there and you'll pay for it every month for the rest of your life. Like so many other things, deciding when to collect Social Security can be complicated. It's best to have a skilled and trusted professional by your side to help you avoid any pitfalls. Your Security Mutual Life insurance agent can help. Your Security Mutual Life insurance agent will assemble your team and coordinate with your attorney and tax professional to review your situation and to determine the insurance plan that will best suit your needs and objectives. [1] Social Security Administration. “Early or Late Retirement?” SSA.gov. https://www.ssa.gov/oact/quickcalc/early_late.html (accessed October 9, 2025). [2] Social Security Administration. “Social Security Board of Trustees: Projection for Combined Trust Funds One Year Sooner than Last Year.” SSA.gov. https://blog.ssa.gov/social-security-board-of-trustees-projection-for-combined-trust-funds-one-year-sooner-than-last-year/ (accessed October 9, 2025). [3] Steiner, Ken. “Should Your Clients Use Savings to Defer Social Security?” Advisorperspectives.com. https://www.advisorperspectives.com/articles/2025/08/19/should-clients-use-savings-defer-social-security? (accessed October 8, 2025). [4] Horsley, Scott. “Social Security benefits face big cuts in 2033, unless Congress acts.” NPR.org. https://www.npr.org/2025/06/18/nx-s1-5436828/social-security-benefits-cut-congress (accessed October 9, 2025). [5] Social Security Administration. “SUMMARY of P.L. 98-21, (H.R. 1900) Social Security Amendments of 1983-Signed on April 20, 1983.” SSA.gov. https://www.ssa.gov/history/1983amend.html (accessed October 9, 2025). [6] Manganaro, John. “This Social Security Strategy Gives Retirees More to Spend.” ThinkAdvisor.com. https://www.thinkadvisor.com/2025/09/03/this-social-security-claiming-strategy-reliably-lifts-retirement-income/ (accessed October 8, 2025). [7] Christian, Rachel. “How an annuity can help you delay Social Security and retire early.” Bankrate.com. https://www.bankrate.com/retirement/bridging-the-gap-to-social-security-with-an-annuity/ (accessed October 8, 2025). [8] Steiner, Ken. “Should Your Clients Use Savings to Defer Social Security?” Advisorperspectives.com. https://www.advisorperspectives.com/articles/2025/08/19/should-clients-use-savings-defer-social-security? (accessed October 8, 2025). More SML Planning Minute Podcast Episodes This podcast is brought to you by Security Mutual Life Insurance Company of New York, The Company That Cares®. The content provided is intended for educational and informational purposes only. Information is provided in good faith. However, the Company makes no representation or warranty of any kind regarding the accuracy, reliability, or completeness of the information. The information presented is designed to provide general information regarding the subject matter covered. It is not to serve as legal, tax or other financial advice related to individual situations, because each individual's legal, tax and financial situation is different. Specific advice needs to be tailored to your situation. Therefore, please consult with your own attorney, tax professional and/or other advisors regarding your specific situation. To help reach your goals, you need a skilled professional by your side. Contact your local Security Mutual life insurance advisor today. As part of the planning process, he or she will coordinate with your other advisors as needed to help you achieve your financial goals and objectives. For more information, visit us at SMLNY.com/SMLPodcast. If you've enjoyed this podcast, tell your friends about it. And be sure to give us a five-star review. And check us out on LinkedIn, YouTube and Twitter. Thanks for listening, and we'll talk to you next time. Tax laws are complex and subject to change. The information presented is based on current interpretation of the laws. Neither Security Mutual nor its agents are permitted to provide tax or legal advice. The applicability of any strategy discussed is dependent upon the particular facts and circumstances. Results may vary, and products and services discussed may not be appropriate for all situations. Each person's needs, objectives and financial circumstances are different, and must be reviewed and analyzed independently. We encourage individuals to seek personalized advice from a qualified Security Mutual life insurance advisor regarding their personal needs, objectives, and financial circumstances. Insurance products are issued by Security Mutual Life Insurance Company of New York, Binghamton, New York. Product availability and features may vary by state.​ SubscribeApple PodcastsSpotifyAndroidPandoraBlubrryby EmailTuneInDeezerRSSMore Subscribe Options

Since the Global Financial Crisis, central banks have made significant changes to their monetary policy operating frameworks. Notably, the Federal Reserve and other central banks have expanded their balance sheets, altered their reserves regimes, and adopted new tools to set their policy rates. President and CEO of the Federal Reserve Bank of San Francisco, Mary C. Daly, discusses the costs and benefits of conducting policy under different regimes. About the Speaker: As President of the San Francisco Fed, Ms. Daly serves the Twelfth Federal Reserve District in setting monetary policy. Prior to her current role, she was the executive vice president and director of research at the San Francisco Fed, which she joined in 1996. Ms. Daly has served as an advisor to the Congressional Budget Office, the Social Security Administration, the Institute of Medicine and the Library of Congress. She has also been a visiting professor at Cornell University and the University of California, Davis. Ms. Daly holds a Ph.D. in economics from Syracuse University, an M.S. degree from the University of Illinois at Urbana-Champaign, and a B.A. from the University of Missouri-Kansas City.

In October, the Social Security Administration announced the 2026 Cost-of-Living Adjustment (COLA) — and no, we don't mean the fizzy kind. COLA is the annual increase that helps retirees' benefits keep pace with inflation. Before diving into how it all works, the BullCast crew kicks things off with a play on words in their pop culture list of the Brief History of Coca-Cola Prices. Then, they break down what drives cost-of-living changes, how COLA is calculated, who it helps, and why it matters for millions of Americans. The List: A Brief (and Bubbly) History of Coca-Cola Prices Hashtags: #cola #costofliving #cocacola #CortLovesDietCoke  Visit us online: www.bullcastpodcast.com Produced by Cameron Spann | Powered by Pickler Wealth Advisors Sound effects obtained from https://www.zapsplat.com

Die US-Bundesregierung hat 67 als verschwenderisch bewertete Verträge beendet oder reduziert, was Einsparungen von 648 Millionen US-Dollar bringt. Besonders betroffen sind Verträge im Außenministerium, der Social Security Administration und im 8(a)-Programm der Small Business Administration.

Jump in the time machine with us as we travel back circa 2005 for the first Medicare Annual Enrollment Period, the debut of Medicare Advantage, Medicare Part D, two new Med Supp plans, and more!   Read the text version   Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.   Resources: 4 Ways PlanEnroll Will Make This Your Best AEP Yet 4 Reasons Why Ritter Insurance Marketing Should Be Your FMO Insurance Agency 5 Medicare Myths Your Clients May Believe 10 Tips to Submitting an Error-Free Medicare Enrollment Application 2026 Medicare Part D Bid Info Likely Means Higher Premiums & Plan Disruption — Here's Why A Review of Integrity's Top Medicare Quoting Tools How Insurance Agents Can Use AI Tools How Storytelling Helps Agents Quickly Connect with Clients ft. Don Connelly IntegrityCONNECT & PlanEnroll FAQs Register with RitterIM.com Risk Adjustment & Finding Value Beyond Coding Changes ft. Dr. Shannon Decker The Future of Medicare Part D: The Push Toward MAPD The Ultimate Agent Resource List Pt. 3: Staying Organized   References: “2005 CMS Statistics.” Cms.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/research-statistics-data-and-systems/statistics-trends-and-reports/medicaremedicaidstatsupp/downloads/2005_cms_statisticspdf. Accessed 21 Oct. 2025. “2025 Medicare Parts A & B Premiums and Deductibles.” CMS.Gov, Centers for Medicare & Medicaid Services, 8 Nov. 2024, www.cms.gov/newsroom/fact-sheets/2025-medicare-parts-b-premiums-and-deductibles. McManus, Melanie Radzicki. “A Short History of How Netflix Won World Domination in Streaming.” Entertainment.Howstuffworks.Com, HowStuffWorks, 21 Dec. 2018, entertainment.howstuffworks.com/short-history-netflix-world-domination-streaming.htm. “Beneficiaries with Special Needs Can Get Help from Medicare Managed Care Plans.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/newsroom/fact-sheets/beneficiaries-special-needs-can-get-help-medicare-managed-care-plans. Accessed 21 Oct. 2025. Laschober, Mary. “Estimating Medicare Advantage Lock-In Provisions Impact on Vulnerable Medicare Beneficiaries.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/files/document/05springpg63pdf. “IPod Shuffle (1st Generation).” Apple.Fandom.Com, Apple Wiki, apple.fandom.com/wiki/IPod_shuffle_(1st_generation). Accessed 21 Oct. 2025. “K & L Out-of-Pocket Limits Announcements.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/medicare/health-drug-plans/medigap/k-l-out-of-pocket-limits-announcements. Accessed 21 Oct. 2025. “Medicare Advantage and Medicare Prescription Drug Programs to Remain Stable as CMS Implements Improvements to the Programs in 2025.” CMS.Gov, Centers for Medicare & Medicaid Services, 27 Sept. 2024, www.cms.gov/newsroom/press-releases/medicare-advantage-and-medicare-prescription-drug-programs-remain-stable-cms-implements-improvements. Freed, Meredith, et al.  “Medicare Advantage 2025 Spotlight: A First Look at Plan Offerings.” KFF.Org, KFF, 9 Aug. 2025, www.kff.org/medicare/medicare-advantage-2025-spotlight-a-first-look-at-plan-offerings/. Freed, Meredith, Jeannie Fugleston Biniek, et al. “Medicare Advantage 2025 Spotlight: A First Look at Plan Premiums and Benefits.” KFF.Org, KFF, 9 Aug. 2025, www.kff.org/medicare/medicare-advantage-2025-spotlight-a-first-look-at-plan-premiums-and-benefits/. “Medicare Part B Immunosuppressive Drug Benefit.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/partbid-provider. Accessed 21 Oct. 2025. “Medicare Demonstration to Transition Enrollment of Low Income Subsidy Beneficiaries .” Cms.Gov, Centers for Medicare & Medicaid Services, 8 June 2006, www.cms.gov/Medicare/Prescription-Drug-Coverage/PrescriptionDrugCovContra/Downloads/MemoLTCContracting_060806.pdf. “Medicare Part B Income-Related Monthly Adjustment Amount.” Federalregister.Gov, Federal Register, www.federalregister.gov/documents/2006/10/27/E6-17690/medicare-part-b-income-related-monthly-adjustment-amount. Accessed 21 Oct. 2025. Cubanski, Juliette, and Anthony Damico. “Medicare Part D in 2025: A First Look at Prescription Drug Plan Availability, Premiums, and Cost Sharing.” KFF.Org, KFF, 9 Aug. 2025, www.kff.org/medicare/medicare-part-d-in-2025-a-first-look-at-prescription-drug-plan-availability-premiums-and-cost-sharing/. “Medicare Program Description and Legislative History.” Ssa.Gov, Social Security Administration, www.ssa.gov/policy/docs/statcomps/supplement/2006/medicare.html. Accessed 21 Oct. 2025. “Medicare Program; Establishment of the Medicare Advantage Program.” Federalregister.Gov, Federal Register, https://www.federalregister.gov/documents/2005/01/28/05-1322/medicare-program-establishment-of-the-medicare-advantage-program. Accessed 21 Oct. 2025. “Part D / Prescription Drug Benefits.” Medicareadvocacy.Org, Center for Medicare Advocacy, 30 May 2025, medicareadvocacy.org/medicare-info/medicare-part-d/. “Pop Culture in Review for the Year 2005.” Mrpopculture.Com, Mr. Pop Culture , 29 Nov. 2023, mrpopculture.com/pop-culture-in-review-for-the-year-2005/. "The Medicare Advantage program: Availability, benefits, and special needs plans - Chapter 9." Medpac.Gov, Medpac.gov, www.medpac.gov/wp-content/uploads/import_data/scrape_files/docs/default-source/reports/Jun06_Ch09.pdf. Accessed 21 Oct. 2025. Gold, Marsha. “The Landscape of Private Firms Offering Medicare Prescription Drug Coverage in 2006.” Modern.Kff.Org, The Henry J. Kaiser Family Foundation, www.kff.org/wp-content/uploads/2013/01/7474.pdf. Accessed 21 Oct. 2025. “The next Generation of Medicare Beneficiaries - Chapter 2.” Medpac.Gov, Medpac.gov, www.medpac.gov/wp-content/uploads/import_data/scrape_files/docs/default-source/reports/chapter-2-the-next-generation-of-medicare-beneficiaries-june-2015-report-.pdf. Accessed 21 Oct. 2025. Crowder, Courtney. “Throwback: Pop Culture Trends of 2005.” Usatoday.Com, USA Today, 30 July 2015, www.usatoday.com/story/entertainment/2015/07/30/pop-culture-trends/30739417/. “Update to Medicare Deductible, Coinsurance and Premium Rates for 2006.” Cms.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/Regulations-and-Guidance/Guidance/Transmittals/downloads/R31GI.pdf. Accessed 21 Oct. 2025. “Variation and Trends in Medigap Premiums.” Aspe.Hhs.Gov, U.S. Department of Health and Human Services Assistant Secretary for Planning and Evaluation, aspe.hhs.gov/sites/default/files/migrated_legacy_files/43721/index.pdf. Accessed 21 Oct. 2025. Hosch, William L. “YouTube.” Britannica.Com, Encyclopædia Britannica, inc., 19 Oct. 2025, www.britannica.com/topic/YouTube.   Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance      Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel   Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/   Not affiliated with or endorsed by Medicare or any government agency.

After weeks of holding out, a small group of Senate Democrats voted with Republicans over the weekend to start the process of reopening the government. Since the U.S. government closed its doors on Nov. 1, services like federal food assistance have suffered, and Social Security Administration and Internal Revenue Service help lines have paused as those workers face furloughs. But Democrats had maintained that the pain was worth it, in order to extract more money from Republicans to fund health care subsidies for people who access insurance through the Affordable Care Act. Now, that demand has fallen by the wayside.Host Colby Itkowitz speaks with national political reporter and Senate expert Liz Goodwin about what it will still take to reopen the government, and why this funding compromise has further divided Democrats.Today's show was produced by Rennie Svirnovskiy with help from Emma Talkoff. It was edited by Laura Benshoff with help from Reena Flores and mixed by Sean Carter. Subscribe to The Washington Post here.

John Barucci joins the show to break down his real-life data breach. John thought he had all the right safeguards in place: cyber insurance, firewalls, security training, and a written information security plan. But a single click on what appeared to be a Social Security Administration email led to bad actors accessing nine client files, altering returns, and changing bank account information in just 38 minutes.SponsorsPadgett -  Contact Padgett or Email Jeff PhillipsGet NASBA Approved CPE or IRS Approved CELaunch the course on EarmarkCPE to get free CPE/CE for listening to this episode.Chapters(00:00) - Introduction and Greetings (00:56) - Current Events and Government Shutdown (01:56) - PTIN Renewal and Security Measures (02:59) - Introducing John Bucci's Story (04:34) - John Bucci's Cybersecurity Breach Experience (06:18) - Detailed Chronology of the Breach (18:38) - Immediate Actions Taken Post-Breach (22:14) - IRS and Software Company Responses (27:02) - Client Communication and Further Steps (30:34) - The Weight of Responsibility in Tax Practice (31:22) - The Importance of Having a Plan (32:28) - Immediate Actions Post-Breach (32:53) - Involvement of Thomson Reuters and Stopping the Breach (34:21) - Forensic Investigation and Legal Steps (35:48) - Cyber Insurance and Its Benefits (37:50) - IRS Practitioner Relief Program (43:27) - Final Reflections and Lessons Learned (50:02) - Conclusion and Final Thoughts Follow the Federal Tax Updates Podcast on Social Mediatwitter.com/FedTaxPodfacebook.com/FedTaxPodlinkedin.com/showcase/fedtaxpodConnect with John: https://www.linkedin.com/in/johnbarucciConnect with the Hosts on LinkedInRoger HarrisAnnie SchwabReviewLeave a review on Apple Podcasts or PodchaserSubscribeSubscribe to the Federal Tax Updates podcast in your favorite podcast app!This podcast is a production of Earmark MediaThe full transcript for this episode is available by clicking on the Transcript tab at the top of this pageAll content from this podcast by SmallBizPros, Inc. DBA PADGETT BUSINESS SERVICES is intended for informational purposes only.

There are lots of frustrating elements in comedy, and we're used to them . .. things like drunks or bad set ups. But sometimes there are things that mess up your performance that you couldn't even think up! Here's a quick story about a few times things have thrown me for a loop! https://www.TheWorkLady.com  Jan McInnis is a top change management keynote speaker, comedian, and funny motivational speaker who helps organizations use humor to handle change, build resilience, and strengthen leadership skills. With her laugh-out-loud stories and practical tips, Jan shows audiences how humor isn't just entertainment—it's a business skill that drives communication, connection, and stress relief.   A conference keynote speaker, Master of Ceremonies, and comedy writer, Jan has written material for The Tonight Show with Jay Leno as well as radio, TV, and syndicated cartoon strips. She's the author of two books—Finding the Funny Fast and Convention Comedian—and her insights on humor in business have been featured in The Wall Street Journal, The Washington Post, and The Huffington Post. For over 25 years, she has been helping leaders and teams discover how to bounce back from setbacks, embrace change, and connect through comedy.   Jan has delivered keynote speeches at thousands of events nationwide, from the Federal Reserve Banks to the Mayo Clinic, for industries that include healthcare, finance, government, education, women's leadership events, technology, and safety & disaster management. Her client list features respected organizations such as: Healthcare: Mayo Clinic, Kaiser Permanente, Abbott Pharmaceuticals, Health Information Management Associations, Assisted Living Associations Finance: Federal Reserve Banks, Merrill Lynch, Transamerica Insurance, BDO Accounting, American Institute of CPAs, credit unions, banking associations Government: U.S. Air Force, Social Security Administration, International Institute of Municipal Clerks, National League of Cities, public utilities, correctional associations Women's Leadership Events: Toyota Women's Conference, Go Red for Women, Speaking of Women's Health, Soroptimists, Women in Insurance & Financial Services Education: State superintendent associations, community college associations, Head Start associations, National Association of Elementary and Middle School Principals Safety & Disaster: International Association of Emergency Managers, Disney Emergency Management, Mid-Atlantic Safety Conference, risk management associations   Her background as a Washington, D.C. marketing executive gives her a unique perspective that blends business acumen with stand-up comedy. Jan was also honored with the Greater Washington Society of Association Executives "Excellence in Education" Award. Along with her podcast Finding the Funny: Leadership Tips from a Comedian, Jan also produces Comedian Stories: Tales From the Road in Under 5 Minutes. Whether she's headlining a major convention, hosting a leadership retreat, or teaching resilience at a safety conference, Jan's programs give audiences the tools to laugh, learn, and lead.  

The 4th Circuit Court of Appeals has redefined adverse action in a recent case involving an employee working for the Social Security Administration. In this episode, Pandy shares some insight on what to consider and the importance of communication when changing an employee's job in any way and for any reason.

Exhaustion signals TESLA - a rabbit out of a hat! Fed meeting in focus S&P earnings week - its a big one PLUS we are now on Spotify and Amazon Music/Podcasts! Click HERE for Show Notes and Links DHUnplugged is now streaming live - with listener chat. Click on link on the right sidebar. Love the Show? Then how about a Donation? Follow John C. Dvorak on Twitter Follow Andrew Horowitz on Twitter Warm-Up - Don't fight the tape - Exhaustion signals everywhere - but plenty of money floating around it seems - Seeing lots of overheated signs..... - BUT, everything is fine. Nothing to worry about Markets - Fed Meeting today and tomorrow - Rate decision on Wednesday - Biggest week for earnings (S&P) - ATH - Let' GO! First time over 6,780 for the S&P 500 - Profit margins with those Tariffs - Surprise! - Emerging markets - On FIRE! Factoid - Ft Lauderdale Boat Show - The economic impact of the Fort Lauderdale International Boat Show (FLIBS) is significant, generating over $1.78 billion in economic output for Florida, supporting more than 100,000 jobs, and creating millions in sales and taxes. The Fort Lauderdale International Boat Show is considered to be the largest boat show in the world, with over 3 million square feet of exhibition space across multiple marinas. Godcaster is turning churches into local radio stations - Get the Godcaster app on Android and iOS - An Adam Curry Project Fed Meeting - Stock and All time highs - GOLD, SILVER rocking - Crypto doing just fine - GDP good - Employment good - Housing market improving - Limited information about economic activity due to Government is CLOSED - Inflation is well about Fed's own measures (3%) - FED IS GOING TO LOWER RATES REMEMBER - NOTHING TO WORRY ABOUT - TRUST THE GOVERNMENT  CPI - The consumer price index showed a 0.3% increase on the month, putting the annual inflation rate at 3%, both lower than expected. - Excluding food and energy, core CPI showed a 0.2% monthly gain and an annual rate also at 3%, less than forecast. - The Bureau of Labor Statistics released the data specifically because the Social Security Administration uses it as a benchmark for cost-of living adjustments in benefit checks. Otherwise, the federal government has suspended all data compilation during the shutdown. Quick Meme Update - BYND - fell back to earth - down to $1.75 from $7 last week... - We should have shorted for the game like we talked about - It was supposed to be the next Apple! Qualcomm News! - They are in the game now - seems that Qualcomm now has the goods to compete with AMD and NVDA - Stock up 15% on this news (AMD and NVDA unfazed) - Qualcomm's data center chips are based on the AI parts in Qualcomm's smartphone chips called Hexagon neural processing units, or NPUs. - Nearly $6.7 trillion in capital expenditures will be spent on data centers through 2030, with the majority going to systems based around AI chips, according to a McKinsey estimate. (3% of of annual GDP for the ext 5 years) Why Not Intel? - The U.S. has formed a $1 billion partnership with Advanced Micro Devices  to construct two supercomputers that will tackle large scientific problems ranging from nuclear power to cancer treatments to national security, Energy Secretary Chris Wright and AMD CEO Lisa Su told Reuters. - The U.S. is building the two machines to ensure the country has enough supercomputers to run increasingly complex experiments that require harnessing enormous amounts of data-crunching capability. The machines can accelerate the process of making scientific discoveries in areas the U.S. is focused on. NVDA Spending Spree - Massive announcements today and $1billion stake in Nokia - Nokia announced on Tuesday that Nvidia is taking a $1 billion stake in the networking company, the latest partnership for the artificial intelligence chipmaker. - Shares of Nokia soared 26% higher following the news.

If you're 55+ and still stuck in “one more year” mode, this episode is your wake-up call. I break down why endless accumulation can quietly rob you of your healthiest, most active retirement years—and how a clear, personalized plan can flip the script.Inside, you'll learn:The “accumulation trap” that keeps moving the goalpostHow the Go-Go/Slow-Go/No-Go years really work (and why timing matters)A real client story (“Mike & Susan”) who chose memories over marginal returnsThe financial reality check: why many retirees need less than they thinkThe Red Zone Retirement Planning framework to cover needs with reliable income and fund wants with flexible income—so you never work a day longer than you have to

Kevin covered the following stories: Hurricane Melissa has her eye on Jamaica; the American Transportation Research Institute (ATRI) released its 21st annual Top Industry Issues; differing U.S. Weekly Jobless Claims have been estimated by economists at 4 separate companies, Citigroup, Nationwide, Goldman Sachs and JP Morgan; the U.S Bureau of Labor Statistics released the September Consumer Price Index (CPI) and Core CPI; the Social Security Administration announced the Cost-Of-Living Allowance (COLA) for Social Security recipients; Kevin has the details, digs into the data, puts the information into historical perspective, offers his insights and a few opinions along the way.

Kevin covered the following stories: Hurricane Melissa has her eye on Jamaica; the American Transportation Research Institute (ATRI) released its 21st annual Top Industry Issues; differing U.S. Weekly Jobless Claims have been estimated by economists at 4 separate companies, Citigroup, Nationwide, Goldman Sachs and JP Morgan; the U.S Bureau of Labor Statistics released the September Consumer Price Index (CPI) and Core CPI; the Social Security Administration announced the Cost-Of-Living Allowance (COLA) for Social Security recipients; Kevin has the details, digs into the data, puts the information into historical perspective, offers his insights and a few opinions along the way.

This just in! Social Security announced the Cost of Living Adjustment for 2026. Listen on the ASG podcast for the official numbers and how the COLA increase impacts your clients.   Read the text version  

Inflation report likely solidifies Fed rate cut this month  The September Consumer Price Index, also known as CPI, showed inflation climbed 3% year over year for both the headline and core numbers. Core CPI, which excludes food and energy, came in better than both the estimate and the previous month's reading; both stood at 3.1%. It was a surprise to get this data with the government shutdown, but since it is used as a benchmark for cost-of living adjustments in benefit checks by the Social Security Administration it was a rare economic point in an otherwise quiet period. Energy, which provided such a benefit to the headline number for many months, has started to reverse course as it climbed 2.8% compared to last year. Gasoline was a small benefit as it was down 0.5%, but energy services climbed 6.4% thanks to an increase of 5.1% for electricity and an increase of 11.7% for utility gas service. What I would look to as tariff impacted areas, has still remained quite muted considering apparel prices fell 0.1%, new vehicles were up just 0.8%, and food prices had maybe thehardest hit with an increase of 3.1%. Much of this came from food away from home, which was up 3.7%. Food at home saw a more muted increase of 2.7%. Shelter inflation remained above the headline and core numbers at 3.6%, but it is much less problematic than it was in prior periods. Another positive was owner's equivalent rent climbed 0.1% compared to the prior month, which was the smallest month over month increase since January 2021. Overall, this report likely produced enough evidence for the Fed to cut rates at this month's meeting as odds stood above 95% after the inflation annoucement. The likelihood for a December cut also initially climbed to 98.5% following the report.    The bank earnings from last week had some surprising undertones. Overall, the third-quarter report from the big banks showed things are pretty much going along OK. But then a couple of the big banks brought up the issue of private credit and some bankruptcies that led to write-downs. Jamie Dimon, the CEO of JPMorgan Chase, pointed out that even though he said he probably should not say it that "if you see one cockroach, there are probably more." Some smaller financial institutions like Zions Bancorp and Alliance Bancorp took a $50 million charge and $100 million charge respectively due to potentially fraudulent loans. The issue here is commercial banks have been making loans to nonfinancial depository institutions or NFDIs and I point out that this type of funding is not very transparent for investors to see what is going on behind the scenes. I was surprised to learn that these NFDIs now account for roughly 1/3 of commercial and industrial loans originated by large banks. One may think if you're invested in AI companies, you're safe but research has shown that even your deep pocket players of AI are funding investments with these private loans. As time passes, the more I read, the more I become concerned about what we don't know about leverage in this economy. Risky investing behavior continues to amaze me! Many people will point out that we have missed the boat on crypto, but I continue to worry about the space long term as there is no true way to value what these cryptocurrencies are worth. While this is a major concern for our firm, I would say leverage in the space is another major risk. A big problem is the rules and regulations and ultimately the transparency in the space is not as clear as when you invest in public equities. I was blown away reading an article on CNBC by how crazy the leverage can be, and I bet most investors have no clue about it. While there are ways to leverage crypto in the US, the offshore market is where things get wild! Offshore, decentralized exchanges Hyperliquid offer maximum leverage of 40-times for bitcoin and 25-times for ether and Binance Labs-linked Aster offers as much as 100x leverage, depending on the token. Leverage is so dangerous because if a decline comes and investors need to unwind a position it can create a cascade of selling that leads to massive losses. It is not just the crypto market where people are gambling though. We saw a return to meme craziness with Beyond Meat producing massive gains of 128% Monday and 146% Tuesday. On Wednesday, the stock at one point produced another triple-digit intraday gain, but it ended up closing down 1% on the day. I also saw a nuclear power development company by the name of Oklo have a sizeable pullback after the Financial Times noted the 500% advance in 2025 and $20 billion market value has come despite “no revenues, no license to operate reactors and no binding contracts to supply power.”  These are examples of pure gambling and examples like these typically come during frothy times before reality hits and big pullback comes.    Financial Planning: The real cost of financial mistakes When it comes to financial wellbeing, avoiding mistakes can be even more powerful than chasing great decisions. Too often, people lose ground not from lack of opportunity, but from unforced errors. Drawing retirement income without tax strategy can quietly cost thousands in extra taxes or Medicare premiums. Holding too much cash or being overly aggressive both expose you to risk, one to inflation, the other to unrecoverable losses. Maintaining investing discipline sounds simple but emotional reactions like selling when markets fall or chasing what's hot can destroy more wealth than poor returns ever could. Many homeowners also miss out by not structuring their mortgage correctly resulting in more short-term fees, long-term interest, and missed investment returns. The key isn't perfection; it's recognizing that protecting yourself from big mistakes is often the best investment you can make.  When making a financial decision, do your best to get your information and advice from accurate and unbiased sources so you can fully understand the impact of the decision.   Companies Discussed: The Progressive Corporation (PGR), Bank of America Corporation (BAC), ManpowerGroup, Inc. (MAN) & Snap-on Incorporated (SNA)

If I could take back agreeing to this idea, I would, because I regretted saying yes to this one. Here's a quick story about why you should stick up for yourself when someone has an idea that you don't think will work. I was too new to comedy and too naive to speak up. https://www.TheWorkLady.com  Jan McInnis is a top change management keynote speaker, comedian, and funny motivational speaker who helps organizations use humor to handle change, build resilience, and strengthen leadership skills. With her laugh-out-loud stories and practical tips, Jan shows audiences how humor isn't just entertainment—it's a business skill that drives communication, connection, and stress relief.   A conference keynote speaker, Master of Ceremonies, and comedy writer, Jan has written material for The Tonight Show with Jay Leno as well as radio, TV, and syndicated cartoon strips. She's the author of two books—Finding the Funny Fast and Convention Comedian—and her insights on humor in business have been featured in The Wall Street Journal, The Washington Post, and The Huffington Post. For over 25 years, she has been helping leaders and teams discover how to bounce back from setbacks, embrace change, and connect through comedy.   Jan has delivered keynote speeches at thousands of events nationwide, from the Federal Reserve Banks to the Mayo Clinic, for industries that include healthcare, finance, government, education, women's leadership events, technology, and safety & disaster management. Her client list features respected organizations such as: Healthcare: Mayo Clinic, Kaiser Permanente, Abbott Pharmaceuticals, Health Information Management Associations, Assisted Living Associations Finance: Federal Reserve Banks, Merrill Lynch, Transamerica Insurance, BDO Accounting, American Institute of CPAs, credit unions, banking associations Government: U.S. Air Force, Social Security Administration, International Institute of Municipal Clerks, National League of Cities, public utilities, correctional associations Women's Leadership Events: Toyota Women's Conference, Go Red for Women, Speaking of Women's Health, Soroptimists, Women in Insurance & Financial Services Education: State superintendent associations, community college associations, Head Start associations, National Association of Elementary and Middle School Principals Safety & Disaster: International Association of Emergency Managers, Disney Emergency Management, Mid-Atlantic Safety Conference, risk management associations   Her background as a Washington, D.C. marketing executive gives her a unique perspective that blends business acumen with stand-up comedy. Jan was also honored with the Greater Washington Society of Association Executives “Excellence in Education” Award. Along with her podcast Finding the Funny: Leadership Tips from a Comedian, Jan also produces Comedian Stories: Tales From the Road in Under 5 Minutes. Whether she's headlining a major convention, hosting a leadership retreat, or teaching resilience at a safety conference, Jan's programs give audiences the tools to laugh, learn, and lead.  

The complexity of Social Security calculations can cause some confusion around when someone eligible should file and claim their benefit. There are a lot of variables to consider and acronyms to decipher that can make Social Security feel like a confusing hedge maze. Let's cut through some of the noise and clarify some of the most pressing questions around Social Security benefits and what questions you need to consider to determine what's best for you and your family. Social Security has many layers, and the concept of eligibility can be pretty complex. It's not always clear when and how someone should begin taking their benefits because being eligible doesn't necessarily mean you should turn that benefit on. Social Security benefits can be turned on as early as age 62. Each year the benefit is delayed, you receive what is called a delayed retirement credit or DRC. These DRCs guarantee an automatic 8% increase in your Social Security benefit every year you delay up to age 70. There is also your full retirement age. This is the age when you are eligible to receive the full benefit without any offset for having earned income. Earned income being income from employment, which is different from income received from investments, pensions or annuities. For those born in 1960, or later, your FRA is age 67. Benefits are calculated by the Social Security Administration by taking 35 years of earnings that are indexed for inflation. Any years you didn't work are counted as a zero in your average earnings calculation. These annual amounts are then totaled and divided by four and 20 months to arrive at the monthly figure known as your average indexed monthly earning. This number is different from your benefit amount. The SSA then applies a formula to that number which determines your primary insurance amount or PIA and this is your monthly Social Security benefit. If you choose to take your benefit before your FRA while employed, there's an offset that can significantly reduce the benefit if your income exceeds $21,240 in 2023. This reduction is $1 for every $2 of earned income over the limit. In the year you reach your FRA, the limit increases to $56,520 in 2023, with a benefit reduction of $1 for every $3 of earned income over the limit. After you've reached your FRA there's no earning limits and you receive the full benefit with no income offsets. Provisional income comes into play after your benefits are activated. Your provisional income is calculated by taking your adjusted gross income plus half of your Social Security benefit. If that total is less than $25,000, your Social Security benefit is not subject to federal tax. If it is  above 25,000, but below 34,000, 50% of the benefit is taxed, and if it's above 34,000, 85% of the benefit is taxed. If you're a government employee, there's something called a Windfall Elimination Provision, or WEP. And there's also a Government Pension Offset, or GPO. There are three common conversations we have with clients when it comes to Social Security. The first thing is determining the breakeven point. One method for deciding when to take Social Security benefits involves calculating the breakeven point, this is the future point in time when the value of one option equals that of another. For example, if your FRA benefit is $2,000 a month, and $1,400 at age 62, there's a $600 a month difference. When compared to waiting the five years and taking the full amount, the breakeven point would be 11.6 years. Something else to keep in mind is that by taking a benefit early, you reduce the amount of spousal benefit made available since the benefit in and of itself has been reduced and this could be an important consideration. The second consideration relates to one's health and longevity. If you don't expect to live past that breakeven point, taking the benefit early might make more sense. From this perspective, it could be a win-win situation if they start receiving benefits early and they live longer than expected because the payments continue. We can't know our lifespan for certain, but if you're in poor health, taking benefits early might be a reasonable option. The third consideration involves a person's retirement income requirement. Many clients we work with see Social Security simply as a piece of the retirement income strategy, and aren't necessarily concerned with breakeven points as much as they are with maximizing their assets and the resources. Many clients opt to turn their Social Security benefits on instead of tapping into their assets in order to maintain growth. Using assets to generate income in retirement also comes with variables that are hard to predict, like the conditions of the stock market and economic policy. Social Security, in comparison, is stable and easy to predict. Figuring out your retirement income requires careful planning, which is why it's crucial to work with a professional that understands Social Security and its role in your retirement plan.     Mentioned in this episode: BrianSkrobonja.com Common Sense Financial Podcast on YouTube  Common Sense Financial Podcast on Spotify BrianSkrobonja.com/Resources - Free Resources To Help You Protect Your Financial Future Common Sense: YOUR Guide to Making Smart Choices with YOUR Money by Brian Skrobonja SSA.gov   References for this episode: SSA.gov/benefits/retirement/planner/agereduction.html SSA.gov/benefits/retirement/planner/delayret.html SSA.gov/benefits/retirement/planner/agereduction.html SSA.gov/benefits/retirement/planner/whileworking.html SSA.gov/benefits/retirement/planner/whileworking.html SSA.gov/benefits/retirement/planner/taxes.html   Securities offered only by duly registered individuals through Madison Avenue Securities, LLC. (MAS), Member FINRA & SIPC. Advisory services offered only by duly registered  individuals through Skrobonja Wealth Management (SWM), a registered investment advisor. Tax services offered only through Skrobonja Tax Consulting. MAS does not offer Build Banking or tax advice. Skrobonja Financial Group, LLC, Skrobonja Wealth Management, LLC, Skrobonja Insurance Services, LLC, Skrobonja Tax Consulting, and Build Banking are not affiliated with MAS. The firm is a registered investment adviser with the state of Missouri, and may only transact business with residents of those states, or residents of other states where otherwise legally permitted subject to exemption or exclusion from registration requirements. Registration with the United States Securities and Exchange Commission or any state securities authority does not imply a certain level of skill or training. Advisory services are only offered to clients or prospective clients where Skrobonja Wealth Management, LLC and its representatives are properly licensed or exempt from licensure. This website is solely for informational purposes. Past performance is no guarantee of future returns. Investing involves risk and possible loss of principal capital. No advice may be  rendered by Skrobonja Wealth Management, LLC unless a client service agreement is in  place. Skrobonja Financial Group, LLC provides links for your convenience to websites produced by other providers of industry related material. Accessing websites through links directs you  away from our website. Users who gain access to third party websites may be subject to the copyright and other restrictions on use imposed by those providers and assume responsibility and risk from use of those websites. Any references to protection, safety or  lifetime income, generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims paying abilities of the  issuing carrier. This is intended for informational purposes only. It is not intended to be used as the sole  basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual's situation. Our firm is not permitted to offer, and no  statement made on this site shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the U.S. Government or any governmental agency. The information and  opinions contained here in provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by our firm. Any media logos and/or trademarks contained herein are the property of their respective owners and no endorsement by those owners of Brian Skrobonja is stated or implied. The awards, accolades and appearances are not representative of any one client's experience and is not indicative of future performance. Each of these awards have set criteria for their nominations and eligibility requirements. “Best Wealth Managers” and “Future 50 Company” are annual surveys conducted by Small Business Monthly. The winner is chosen by an online vote of the general public and no specific criteria is utilized to determine the winner other than number of votes. Some voters may not be clients of Brian Skrobonja and Skrobonja Financial Group. These awards are not representative of any one client's experience and is not indicative of future performance.

You'd think being a comedian prepares you for anything — hecklers, bad lighting, even a buffet line louder than your mic. But there's one thing no amount of punchlines can fix, and I found myself walking straight into it one afternoon. I was hired to entertain a room full of employees… who had just been given some BAD news. https://www.TheWorkLady.com  Jan McInnis is a top change management keynote speaker, comedian, and funny motivational speaker who helps organizations use humor to handle change, build resilience, and strengthen leadership skills. With her laugh-out-loud stories and practical tips, Jan shows audiences how humor isn't just entertainment—it's a business skill that drives communication, connection, and stress relief.   A conference keynote speaker, Master of Ceremonies, and comedy writer, Jan has written material for The Tonight Show with Jay Leno as well as radio, TV, and syndicated cartoon strips. She's the author of two books—Finding the Funny Fast and Convention Comedian—and her insights on humor in business have been featured in The Wall Street Journal, The Washington Post, and The Huffington Post. For over 25 years, she has been helping leaders and teams discover how to bounce back from setbacks, embrace change, and connect through comedy.   Jan has delivered keynote speeches at thousands of events nationwide, from the Federal Reserve Banks to the Mayo Clinic, for industries that include healthcare, finance, government, education, women's leadership events, technology, and safety & disaster management. Her client list features respected organizations such as: Healthcare: Mayo Clinic, Kaiser Permanente, Abbott Pharmaceuticals, Health Information Management Associations, Assisted Living Associations Finance: Federal Reserve Banks, Merrill Lynch, Transamerica Insurance, BDO Accounting, American Institute of CPAs, credit unions, banking associations Government: U.S. Air Force, Social Security Administration, International Institute of Municipal Clerks, National League of Cities, public utilities, correctional associations Women's Leadership Events: Toyota Women's Conference, Go Red for Women, Speaking of Women's Health, Soroptimists, Women in Insurance & Financial Services Education: State superintendent associations, community college associations, Head Start associations, National Association of Elementary and Middle School Principals Safety & Disaster: International Association of Emergency Managers, Disney Emergency Management, Mid-Atlantic Safety Conference, risk management associations   Her background as a Washington, D.C. marketing executive gives her a unique perspective that blends business acumen with stand-up comedy. Jan was also honored with the Greater Washington Society of Association Executives “Excellence in Education” Award. Along with her podcast Finding the Funny: Leadership Tips from a Comedian, Jan also produces Comedian Stories: Tales From the Road in Under 5 Minutes. Whether she's headlining a major convention, hosting a leadership retreat, or teaching resilience at a safety conference, Jan's programs give audiences the tools to laugh, learn, and lead.  

Senate Democrats are charging the Department of Government Efficiency is putting federal data at risk at the Social Security Administration, the General Services Administration and the Office of Personnel Management. In a new report, Senator Gary Peters (D-MI), ranking member of the Homeland Security and Governmental Affairs Committee, says staff investigations and whistleblower accounts show how DOGE personnel are working without any accountability to agency leadership, Congressional oversight or the public. For example, Peters says despite an SSA risk assessment warning of an up to a 65% chance of catastrophic breach, the data remains in systems without any verified security controls. Peters called on SSA, GSA and OPM to immediately halt DOGE operations and access to information systems given the risk of a serious data breach.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

On stage with family in the audience, the pressure was on—and things went sideways fast. In this episode, keynote speaker and comedian Jan McInnis takes you inside one unforgettable night in her comedy career. It's a hilarious, cringe-worthy story packed with lessons on resilience, risk-taking, and finding the funny when everything goes wrong.   https://www.TheWorkLady.com  Jan McInnis is a top change management keynote speaker, comedian, and funny motivational speaker who helps organizations use humor to handle change, build resilience, and strengthen leadership skills. With her laugh-out-loud stories and practical tips, Jan shows audiences how humor isn't just entertainment—it's a business skill that drives communication, connection, and stress relief.   A conference keynote speaker, Master of Ceremonies, and comedy writer, Jan has written material for The Tonight Show with Jay Leno as well as radio, TV, and syndicated cartoon strips. She's the author of two books—Finding the Funny Fast and Convention Comedian—and her insights on humor in business have been featured in The Wall Street Journal, The Washington Post, and The Huffington Post. For over 25 years, she has been helping leaders and teams discover how to bounce back from setbacks, embrace change, and connect through comedy.   Jan has delivered keynote speeches at thousands of events nationwide, from the Federal Reserve Banks to the Mayo Clinic, for industries that include healthcare, finance, government, education, women's leadership events, technology, and safety & disaster management. Her client list features respected organizations such as: Healthcare: Mayo Clinic, Kaiser Permanente, Abbott Pharmaceuticals, Health Information Management Associations, Assisted Living Associations Finance: Federal Reserve Banks, Merrill Lynch, Transamerica Insurance, BDO Accounting, American Institute of CPAs, credit unions, banking associations Government: U.S. Air Force, Social Security Administration, International Institute of Municipal Clerks, National League of Cities, public utilities, correctional associations Women's Leadership Events: Toyota Women's Conference, Go Red for Women, Speaking of Women's Health, Soroptimists, Women in Insurance & Financial Services Education: State superintendent associations, community college associations, Head Start associations, National Association of Elementary and Middle School Principals Safety & Disaster: International Association of Emergency Managers, Disney Emergency Management, Mid-Atlantic Safety Conference, risk management associations   Her background as a Washington, D.C. marketing executive gives her a unique perspective that blends business acumen with stand-up comedy. Jan was also honored with the Greater Washington Society of Association Executives “Excellence in Education” Award. Along with her podcast Finding the Funny: Leadership Tips from a Comedian, Jan also produces Comedian Stories: Tales From the Road in Under 5 Minutes. Whether she's headlining a major convention, hosting a leadership retreat, or teaching resilience at a safety conference, Jan's programs give audiences the tools to laugh, learn, and lead.  

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

Opening for a superstar sounds like every comedian's dream gig—but is it really? In this episode of Finding the Funny: Leadership Tips from a Comedian, Jan McInnis shares the chaos, comedy, and leadership lessons from opening for Julio Iglesias. From being ignored backstage to having her friend escorted out by security, Jan shows how resilience and humor can turn setbacks into unforgettable stories. Tune in for a behind-the-scenes look at comedy, leadership, and finding the funny when things don't go as planned.   Here's a polished version of your standard Libsyn podcast description. I kept the humor and personality intact, but I restructured it so meeting planners immediately see credibility, industries served, and leadership takeaways. I also worked in high-value keywords (2k–800k range) like funny motivational speaker, change management keynote speaker, humor in business, resilience keynote, leadership tips, and conference speaker. Polished Podcast Description for Libsyn https://www.TheWorkLady.com Jan McInnis is a top change management keynote speaker, comedian, and funny motivational speaker who helps organizations use humor to handle change, build resilience, and strengthen leadership skills. With her laugh-out-loud stories and practical tips, Jan shows audiences how humor isn't just entertainment—it's a business skill that drives communication, connection, and stress relief. A conference keynote speaker, Master of Ceremonies, and comedy writer, Jan has written material for The Tonight Show with Jay Leno as well as radio, TV, and syndicated cartoon strips. She's the author of two books—Finding the Funny Fast and Convention Comedian—and her insights on humor in business have been featured in The Wall Street Journal, The Washington Post, and The Huffington Post. For over 25 years, she has been helping leaders and teams discover how to bounce back from setbacks, embrace change, and connect through comedy. Jan has delivered keynote speeches at thousands of events nationwide, from the Federal Reserve Banks to the Mayo Clinic, for industries that include healthcare, finance, government, education, women's leadership events, technology, and safety & disaster management. Her client list features respected organizations such as: Healthcare: Mayo Clinic, Kaiser Permanente, Abbott Pharmaceuticals, Health Information Management Associations, Assisted Living Associations Finance: Federal Reserve Banks, Merrill Lynch, Transamerica Insurance, BDO Accounting, American Institute of CPAs, credit unions, banking associations Government: U.S. Air Force, Social Security Administration, International Institute of Municipal Clerks, National League of Cities, public utilities, correctional associations Women's Leadership Events: Toyota Women's Conference, Go Red for Women, Speaking of Women's Health, Soroptimists, Women in Insurance & Financial Services Education: State superintendent associations, community college associations, Head Start associations, National Association of Elementary and Middle School Principals Safety & Disaster: International Association of Emergency Managers, Disney Emergency Management, Mid-Atlantic Safety Conference, risk management associations Her background as a Washington, D.C. marketing executive gives her a unique perspective that blends business acumen with stand-up comedy. Jan was also honored with the Greater Washington Society of Association Executives “Excellence in Education” Award. Along with her podcast Finding the Funny: Leadership Tips from a Comedian, Jan also produces Comedian Stories: Tales From the Road in Under 5 Minutes. Whether she's headlining a major convention, hosting a leadership retreat, or teaching resilience at a safety conference, Jan's programs give audiences the tools to laugh, learn, and lead.

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

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...

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.

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.

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   

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.

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.

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.

-- 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