Podcasts about spousal

Send us a textThe Social Security Fairness Act eliminates the unfair Windfall Elimination Provision that prevented public service workers from receiving their full Social Security benefits despite paying into the system.• Nearly 2 million Americans including teachers, firefighters, and public sector employees can now receive previously reduced or denied benefits• Workers who already receive some benefits will automatically see increases of $300-$700 monthly• Those previously denied benefits entirely could receive around $1,500 monthly• Eligible recipients can file for retroactive benefits back to January 2024 using form SSA-561• Apply online at ssa.gov if you've never received benefits or were previously denied• Spousal or survivor benefits may require in-person or mail application• Consult your tax professional about handling lump sum and retroactive payments• Even if previously denied, public service workers should reapply under the new lawPlease share this episode with anyone who works in public service or has family members who might benefit from these important changes to Social Security benefits.Create a STAN Store - Click here to try it out!Here's where you can find us! Follow along on Instagram for lots of free content for business owners daily!Shop our business guides!Our Instagram PageOur family page

Fr. Patrick preached this homily on July 5, 2025. The readings are from Genesis 27:1-5, 15-29, Psalm 135:1b-2, 3-4, 5-6 & Matthew 9:14-17. — Connect with us! Website: https://slakingthirsts.com/ Youtube: https://www.youtube.com/channel/UCytcnEsuKXBI-xN8mv9mkfw

Today we answer a question from Ken, a recent retiree at 63, about how his Social Security claiming decision impacts his wife's future spousal benefit. We break down how spousal benefits are calculated, whether the FRA (Full Retirement Age) amount is frozen when you claim early, and how COLA (Cost of Living Adjustments) factor into the equation. Although this show does not provide specific tax, legal, or financial advice, you can engage Devin or John through their individual firms. 

Inheriting money from your spouse is a pretty straightforward process, but when money is passed down from parents or other family members, the rules get a bit more complicated. Donna and Nathan discuss the process of distributing assets from a non-spousal inheritance. Also on MoneyTalk, Stock Trivia: Two Truths and a Lie. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®; Air Date: 7/1/2025. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation!See omnystudio.com/listener for privacy information.

The age pension can be a crucial part of the financial mix in retirement, but many retirees aren’t unlocking its full potential. On this episode of the Friends With Money podcast, Money’s Tom Watson is joined by Andrew Dinsdale-Scanlon from TelstraSuper Financial Planning to run through the financial strategies that could help Australians maximise their age pension entitlements. 00:00 Introduction 00:41 Overview on maximising the age pension 01:48 Strategies to reduce assets 03:31 Spousal contributions 05:13 Understanding lifetime pensions 08:07 The impact of debt on the age pension 09:49 Conclusion #friendswithmoney #tomwatson #andrewdinsdalescanlon #agepension #superannuation Listen on Apple Podcasts Listen on Spotify Money Website YouTube Podcast Playlist Email Us: podcast@moneymag.com.au Get stories like this in our newsletter: bit.ly/3GDirbR *Proudly brought to you by Telstra Super Disclaimer:Andrew Dinsdale-Scanlon is a financial adviser with Telstra Super Financial Planning Pty Ltd ABN 74 097 777 725 AFS Licence No. 218705. TelstraSuper Financial Planning provides financial advice service to members of TelstraSuper ABN 85 502 108 833. Telstra Super Pty Ltd ABN 86 007 422 522 is the trustee of TelstraSuper and wholly owns TelstraSuper Financial Planning. Advice that Andrew gives is of a general nature and does not take into account the particular circumstances or needs of any specific person and because of that, you should consider your own circumstances before acting on any advice . Additionally, the scenarios discussed are based on the relevant superannuation rates and thresholds for 2024/25 and may change in future years. If you are considering acquiring a financial product from TelstraSuper you should read the relevant product disclosure statement and target market determination before making a decision which are available at www.telstrasuper.com.au. The financial services guide for TelstraSuper Financial Planning is available at www.telstrasuper.com.auSee omnystudio.com/listener for privacy information.

Systems are in place for a reason! This week's location: La Doña Cervecería The post Ep. 769 – Spousal Candy Dispersal first appeared on Fancy Pants Gangsters.

Most people treat Social Security as a fixed outcome, just another box to check when retirement arrives. Select an age, complete the form, and proceed. But the truth is, your choices around Social Security can unlock, or quietly erase, tens of thousands of dollars over time. The timing of your claim, whether you're still working, your marital history, even how you coordinate with your spouse's benefit… it all matters. And yet, plenty of financial advisors either avoid the topic or admit they don't know how the system works. That leaves you on your own to navigate rules that weren't designed to be intuitive, and change more often than most people realize. We're walking through the kinds of Social Security questions that don't get answered anywhere else. From how remarriage changes your options, to what really happens when you claim while still working, to why your savings could shrink faster than expected, these aren't niche hypotheticals. They're decisions with long-term effects, and it's time more people knew what's really at stake. You will want to hear this episode if you are interested in... (00:00) The Social Security Surprises That Could Cost You Thousands. (04:11) What your advisor might not know (but should) about Social Security. (06:25) The earnings test demystified through a real-life example. (09:39) Spousal, ex-spousal, and survivor benefits: who qualifies and when. (14:57) Major policy changes: The Fairness Act and unexpected lump sum payouts. (26:20) Legal custody, grandchildren, and overlooked Social Security benefits. Resources & People Mentioned 3 Steps to Retirement Planning https://www.retirestrongfa.com https://www.ssa.gov Connect With Gregg Gonzalez Email at: Gregg.gonzalez@lpl.com Podcast: https://RetirementMadeEasyPodcast.com Website: https://StLouisFinancialAdvisor.com Follow Gregg on LinkedIn Follow Gregg on Facebook Follow Gregg on YouTube   Subscribe to Retirement Made Easy On Apple Podcasts, Spotify, Google Podcasts

Systems are in place for a reason! This week's location: La Doña Cervecería The post Ep. 769 – Spousal Candy Dispersal first appeared on Fancy Pants Gangsters.

Jim and Chris shares listener PSAs on IRMAA and Delayed Retirement Credits, and answer questions on Social Security Spousal Benefits, annuity use cases, and fixed indexed annuity payout concerns. (13:00) A listener shares a PSA about a positive Medicare and IRMAA reduction experience at a Central Florida SSA office. (19:00) Georgette follows up with a […] The post PSAs, Spousal Benefits, Annuity Use Cases, and FIAs: Q&A #2526 appeared first on The Retirement and IRA Show.

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As much as we love our spouse, there are just some things they do that give us "the ick" - the gross feeling that is an immediate turnoff. In this episode, Jordan and Rosanna confess their icks to one another and share how they like to broach the subject. 

In this episode, Lesley Logan highlights stories of women using power for good, from world-changing philanthropists to unsung heroes like Marty Goddard. She also shares community wins and a personal productivity breakthrough that proves how small changes lead to big results. If you have any questions about this episode or want to get some of the resources we mentioned, head over to LesleyLogan.co/podcast. If you have any comments or questions about the Be It pod shoot us a message at beit@lesleylogan.co.And as always, if you're enjoying the show please share it with someone who you think would enjoy it as well. It is your continued support that will help us continue to help others. Thank you so much! Never miss another show by subscribing at LesleyLogan.co/subscribe.In this episode you will learn about:How the world's richest women are quietly creating real impact.Marty Goddard's invention of the rape kit and why her story matters.How staying top of mind helps Tami-Adrian land another podcast feature.Lesley shares how she simplified her inbox and saved hours of work.Why small wins and consistent action add up to lasting change.Episode References/Links:Laura Craik's Article - https://beitpod.com/lauracraikBuy Back Your Time by Dan Martell - https://a.co/d/cMHFKJR If you enjoyed this episode, make sure and give us a five star rating and leave us a review on iTunes, Podcast Addict, Podchaser or Castbox. https://lovethepodcast.com/BITYSIDEALS! DEALS! DEALS! DEALS! https://onlinepilatesclasses.com/memberships/perks/#equipmentCheck out all our Preferred Vendors & Special Deals from Clair Sparrow, Sensate, Lyfefuel BeeKeeper's Naturals, Sauna Space, HigherDose, AG1 and ToeSox https://onlinepilatesclasses.com/memberships/perks/#equipmentBe in the know with all the workshops at OPC https://workshops.onlinepilatesclasses.com/lp-workshop-waitlistBe It Till You See It Podcast Survey https://pod.lesleylogan.co/be-it-podcasts-surveyBe a part of Lesley's Pilates Mentorship https://lesleylogan.co/elevate/FREE Ditching Busy Webinar https://ditchingbusy.com/ Resources:Watch the Be It Till You See It podcast on YouTube! https://www.youtube.com/channel/UCq08HES7xLMvVa3Fy5DR8-gLesley Logan website https://lesleylogan.co/Be It Till You See It Podcast https://lesleylogan.co/podcast/Online Pilates Classes by Lesley Logan https://onlinepilatesclasses.com/Online Pilates Classes by Lesley Logan on YouTube https://www.youtube.com/channel/UCjogqXLnfyhS5VlU4rdzlnQProfitable Pilates https://profitablepilates.com/about/ Follow Us on Social Media:Instagram https://www.instagram.com/lesley.logan/The Be It Till You See It Podcast YouTube channel https://www.youtube.com/channel/UCq08HES7xLMvVa3Fy5DR8-gFacebook https://www.facebook.com/llogan.pilatesLinkedIn https://www.linkedin.com/in/lesley-logan/The OPC YouTube Channel https://www.youtube.com/@OnlinePilatesClasses Episode Transcript:Lesley Logan 0:00  It's Fuck Yeah Friday. Brad Crowell 0:01  Fuck Yeah. Lesley Logan 0:05  Welcome to the Be It Till You See It podcast where we talk about taking messy action, knowing that perfect is boring. I'm Lesley Logan, Pilates instructor and fitness business coach. I've trained thousands of people around the world and the number one thing I see stopping people from achieving anything is self-doubt. My friends, action brings clarity and it's the antidote to fear. Each week, my guest will bring bold, executable, intrinsic and targeted steps that you can use to put yourself first and Be It Till You See It. It's a practice, not a perfect. Let's get started.Lesley Logan 0:48  Hi, Be It babe. How are you? How's it going? Welcome to the Be It Till You See It podcast, the Fuck Yeah Friday podcast. We talk about what is a win and we celebrate things that inspire us, and we have a mantra, and then we go about our day. So here we go, our win, or the inspiration, actually. The, well, I think this is a win too. So the inspiration that I found on the internet that really like made me happy. This, maybe, maybe it will make other people happy, but I love this. The title is What the World's Richest Men Could Learn From the World's Richest Women. And this is from Reshma's Instagram account, and Reshma had the bike face talk I'm pretty sure, and I really love her. So instead of fixating on power, living forever and winning the space race, Melinda French Gates, Laurene Powell Jobs, Anne Wojcicki and Mackenzie Scott are quietly trying to make the world a better place. So this goes on and talks about all the different things that these women are doing, but I just think, like, these ladies, I know, I bet you know their last names, these are our five richest women in the world, and they are doing epic, epic things from with the money that they have, and they're not doing anything to tear people down, to tear down a group of people. They're actually using their money for good. And so I truly, truly love that. These women are doing great things and so you should definitely look them up. There's an article from Laura Craick that was posted on February 5th 2025 so if you want to dive in more to what they're doing, and if you want to learn more about Reshma, I highly recommend it, because she talks a lot about worrying, about being, like, I only have a few minutes to say everything I was gonna say, and then, like, learning and meeting all these male CEOs and going, wait, you run this company, I can run circles around you, like, so it's just, I don't know. I found it really inspiring and I hope that you do, too. So go check that out. And let's all be more obsessed with what these women are doing, because I think that that's going to make us feel a whole lot better in this world with all that's going on. And let's be impressed and empowered and, and all the things from them. And then I'm going to give you one more thing, and I'm going to go into your wins. Lesley Logan 2:53  So meet Marty Goddard, the woman who invented the rape kit, while she didn't receive credit for her work, shocking, she revolutionized sexual assault forensics. Yeah. So get this, in the 1970s, few women felt safe. There's tons of sexual abuse. Spousal rate was still, was still legal, freaking crazy, until 1993. Let's not go into that, that's going to depress us all. But Marty Goddard was a volunteer for a phone hotline for runaway teens in Chicago. Many callers reported sexual abuse, but not necessarily to the police. Marty took upon herself to further investigate cases by visiting crime labs and hospitals, interviewing as many people as possible. And a standard was set. In doing this, she developed a standard by which evidence is collected following a rape. Her evidence collection kit included basic supplies, cotton swabs, a comb, paper bags, labeled envelopes and glass slides for semen specimens, plus protocols, forms and resources for victims, its simplicity made it affordable, replicable and the more likely to be adopted. The kit opened doors to our understanding of victims and abuse. In other words, these cases are no longer had to be a "he said, she said" sort of thing. She was not given credit. Under the nonprofit Goddard was running, the kit was trademarked as the the "Vitullo Evidence Collection Kit for Sexual Assault Examination." She routinely worked very closely with the police department order to make the progress she did, and an effort to not ruffle any feathers, gave the kit the name after police sergeant, Louis Vitullo. Newspapers credited Louis Vitullo, often reducing Marty Goddard to his assistant or ignoring her entirely. But she didn't chase recognition. She channeled her energy into expanding the kit's reach because impact mattered to her more than credit. So why it matters? The mention of the rape kit has helped countless victims find justice. Survivors still fight to be heard, but rape kits provide crucial evidence that strengthens their case. Hundreds of thousands of untested rape kits sit in a police storage. Goddard gave us a tool to fight for justice. It's up to us to push that fight forward with legislative reform funding and by holding law enforcement accountable for processing evidence in a timely manner. So you guys, we do have some work to do there. I would highly recommend calling your local people and like making sure that they're funding these things. But I just thought, how cool is this person? Like she was more she was more obsessed with getting people to adopt this kit and use it so people, victims, could actually get help. So it won't be a "he said, she said" and now she's getting the recognition that she deserves. Very, very cool. Lesley Logan 5:06  Okay, let's go and do a win of yours. So this is from Tami-Adrian George, and she said, a podcast about pickleball reached out to me to be my guest with my topic, Pilates for Players. The invite is a win by itself. And they why they contacted me is its own win. A second host from a completely different topic and show, I guess it's over a year ago, suggested my name with a lovely glow up. Like LL and Brad have said and has mentioned in many webinars, always about keeping in touch. I would comment on the second host post, listen to an episode and comment maybe three or four times a year and they remembered. And when I asked my college boy which friend group he'd be with and where they were going for spring break, he said he just really wants to come home and eat my cooking and curl up with his cats and chill. So cue the mommy tears. You know, I bought that plane ticket so fast. So I love this. How cool is that, that she made such an impact on one podcast and then she stayed in touch by just commenting. And then another podcast was like, oh, we want to have you on. Because the first podcast was like, yeah, this person has stayed top of our mind. So way to stay top of mind. Tam, it's not the easiest thing to do, and you did it. It all takes work, you guys. It all takes time and effort and energy, but stay in touch with people, even little things like liking and commenting. I tell you guys all the time, reviews on this podcast are, like, revenue. If you like this podcast, you don't have to send me money. You can actually just leave a review. Sharing this with other people, that's what does it right? These are things that podcast hosts think about. So way to go, Tami, you're amazing. Lesley Logan 6:37  Okay, so something I wanted to share that's, like, really exciting is I had this goal. So last summer, I heard about this book called Buy Back Your Time, and it's Dan Martell's book. And it's not something I was like, opposed to, like, oh, we always hire so it's not like a thing that we don't do. But he had a chapter about the inbox, about an email inbox, and I between my email inbox and all the Slacks that I'm in and the communities that I'm in, like, there's, I can't get to everything every day, and then I would get into my inbox, or I'd use my inbox to procrastinate, and it would derail the day, because there never would be something in there that wasn't time consuming. And so what his book suggested is that your assistant goes to your inbox and, like, organizes it, and then you only have to respond to the things you have to respond to, and then they can respond to things that they can respond to. I don't need to respond to someone that Tuesday at 1pm is great for a meeting. My assistant can see that 1pm is free. She can just book it for me, right? That's really cool. So anyways, I knew about this last summer, but I didn't have the time to implement it. There were so many things going on. So first of all, the first win is I did not force implementation of this during a time that we had too much going on, right? I set a goal that I wanted to implement this idea in Q1 of 2025, and guess what?, you guys, before mid March, we had, my assistant had, I read the chapter, she read the chapter, she implemented it, and we came up with systems at work before the end of March. So here we are, middle of May, almost end of May. And I can tell you right now I go into my inbox every day, and it can take under 15 minutes to respond to everything and then move on. And I don't feel like, oh my God, what's in there? What am I gonna see? Oh, I'm gonna get distracted by a pair of pants and procrastinate there. So anyways, that's my win. Really made me excited. Lesley Logan 8:14  So now, it's time for your mantra. Here we go. While the world praises big moves, I applaud the little acts of magic that can make it happen. So, while the world praises big moves, I applaud the little acts of magic that that make change happen. You are a badass. Thank you so much for listening until next time, Be It Till You See It. Lesley Logan 8:38  That's all I got for this episode of the Be It Till You See It Podcast. One thing that would help both myself and future listeners is for you to rate the show and leave a review and follow or subscribe for free wherever you listen to your podcast. Also, make sure to introduce yourself over at the Be It Pod on Instagram. I would love to know more about you. Share this episode with whoever you think needs to hear it. Help us and others Be It Till You See It. Have an awesome day. Be It Till You See It is a production of The Bloom Podcast Network. If you want to leave us a message or a question that we might read on another episode, you can text us at +1-310-905-5534 or send a DM on Instagram @BeItPod.Brad Crowell 9:20  It's written, filmed, and recorded by your host, Lesley Logan, and me, Brad Crowell.Lesley Logan 9:25  It is transcribed, produced and edited by the epic team at Disenyo.co.Brad Crowell 9:30  Our theme music is by Ali at Apex Production Music and our branding by designer and artist, Gianfranco Cioffi.Lesley Logan 9:37  Special thanks to Melissa Solomon for creating our visuals.Brad Crowell 9:40  Also to Angelina Herico for adding all of our content to our website. And finally to Meridith Root for keeping us all on point and on time.Support this podcast at — https://redcircle.com/be-it-till-you-see-it/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Listener Q&A where Andy talks about: Why more fund managers don't offer mutual fund-to-ETF conversions ( 5:02 )How my firm helps clients prepare for severe market declines, and how we communicate bad markets to them ( 8:48 )Who's the voice of the intro and outro to this podcast ( 16:06 )For spouses claiming Social Security, what's a good claiming strategy when one spouse doesn't have enough work history to get their own benefit and can only get spousal benefits ( 17:19 )Could a person continue to fund a 529 for their children and later transfer the beneficiary to eventual grandchildren ( 21:37 )What constitutes a gift of digital assets; is it the transfer of the key to the wallet? ( 24:01 )What date/time is used for the date of death valuation of assets, like crypto, that trade 24/7 ( 25:52 )How will the sale of a vacation property impact IRMAA ( 26:55 )How will the sale of a vacation property impact Roth conversion analysis and trying to fill up a certain tax bracket ( 28:46 )Why were the recent 3 and 5-year returns of total bond market funds so poor ( 32:48 )Making estimated payments or withholdings to cover the tax obligations from a Roth conversion done late in the year ( 41:39 )Thoughts on a listener's proposed basic retirement plan, investment allocation and bucketing strategy ( 47:20 )The Smart Money, Fresh Minds podcast - hereMy YouTube video on Estimated Taxes, Tax Withholdings and Underpayment Penalties - hereTo send Andy questions to be addressed on future Q&A episodes, email andy@andypanko.comMy company newsletter - Retirement Planning InsightsFacebook group - Retirement Planning Education (formerly Taxes in Retirement)YouTube channel - Retirement Planning Education (formerly Retirement Planning Demystified)Retirement Planning Education website - www.RetirementPlanningEducation.com

Social Security spousal benefits allow for the lower earning spouse to potentially get an increase in benefits based on their spouse's work history. This holds true for certain DIVORCED spouses. In this show we talk about the rules and calculations around claiming Social Security benefits based on your ex-spouse.

Most retirees assume they are entitled to 50% of their spouse's Social Security, but that is not true... In this episode, I outline the rules for Social Security spousal benefits, how it works, and why your decision to take Social Security impacts your spousal benefits.

Social Security spousal benefits allow for the lower earning spouse to potentially get an increase in benefits based on their spouse's work history. In this show we talk about the rules and calculations around claiming Social Security benefits based on your spouse.

One of the most common Social Security questions we get is this: “If my spouse starts her Social Security at age 62 and I wait until age 70 to start mine, can she receive a higher spousal benefit when I start?” When it comes to Social Security, most people know you can qualify for retirement benefits based on your own work history — the taxes you paid into the system over the years. But what many don't realize is that you might also be eligible for a spousal benefit, even if you didn't work enough to qualify on your own. That's right — even if you didn't pay into Social Security, you may still be able to receive a benefit based on your spouse's earnings record. To find links and resources mentioned in today's podcast, visit SoundRetirementPlanning.com and click on episode #454. The Retirement Budget Calculator is an intuitive tool that promises ease and accuracy. However, like any tool, user error could potentially lead to costly mistakes. To avoid this, let the experienced advisors at Parker Financial LLC guide you. When you hire our team, we offer a comprehensive review of your current investments, taxes, and the data in the Retirement Budget Calculator. We will ensure your plan's completeness and accuracy, helping you create an investment strategy, assist with tax planning, and monitor your plan to maximize your retirement benefits. At Parker Financial we offer a well-crafted retirement investment strategy, deeply rooted in academic data and financial science which can be the key to a prosperous retirement. Don't leave your future to chance. Take the first step towards a sound retirement. Schedule your complimentary discovery session now by visiting Parker-Financial.net let us help you make the most of your retirement years.      

Episode #974 What do you do when your wife criticizes you in front of your kids? Worse—what if she starts pulling them onto “her team” against you? In this revisit episode, we're bringing back a powerful conversation that struck a chord with a lot of men. It's all about what to do when your wife starts undermining you in front of your children—something that's not only painful but can seriously impact your family dynamic if left unchecked. We'll get into why this might be happening, the damage it causes, and what to do when your instinct is to either shut down or fire back. You'll hear how to calmly take the lead, have the hard conversations, set boundaries that stick, and uncover the real reason this is happening in the first place. If you've been in this situation—or want to be prepared in case it ever happens—this episode is worth another listen. Because how you respond in these moments matters… a lot. Let's revisit the playbook and make sure you're ready. Ready to stop walking on eggshells and start leading at home again? Take the free Hidden Triggers in Your Marriage Assessment and find out what's really throwing off the balance between you and your wife.

Welcome to a special milestone episode of Retire with Ryan! In this 250th episode, we're digging into one of the most frequently asked topics by listeners: Social Security. I answer four real-life listener questions about Social Security benefits - covering issues such as survivor benefits after divorce, spousal and ex-spousal benefit eligibility, changes to the Windfall Elimination Provision and Government Pension Offset, and rules for collecting benefits based on a former spouse's record.  I'm breaking down complex Social Security rules in an easy-to-understand way and sharing practical advice for retirees and those planning their dream retirement.  You'll want to hear this episode if you're interested in... [0:00] Access your free copy of my e-book Fiduciary at www.retirewithryan.com  [5:34] Divorced spouses have options for Social Security benefits based on age, remarriage status, and whether claiming their own or an ex-spouse's benefits [6:58] Earnings above $23,400 (ages 62 to full retirement) reduce Social Security benefits by $1 for every $2 over the limit. After reaching full retirement age, the reduction is $1 for every $3 over $62,160.  [10:07] If your ex-spouse dies before you file, you can use a restricted application, but ex-spousal benefits don't earn delayed credits. Wait until age 70 for a higher personal benefit. [14:38] The ten-year requirement for an ex-surviving spouse currently still stands unless  [15:54] If you have recently divorced and your spouse hasn't claimed benefits, then you have to wait two years until you can begin collecting benefits from your ex-spouse Navigating Social Security: Answers to the Most Common Questions for Retirees and Divorced Spouses Survivor Benefits for Divorced Spouses A question from Andrea regarding her mother's eligibility for survivor benefits after her father and his second wife passed away highlights the intricacies many face. The Social Security Administration (SSA) does provide certain protections for divorced spouses, but eligibility hinges on specific criteria: Marriage Duration: To claim an ex-spousal survivor benefit, the marriage must have lasted at least 10 years. Remarriage Restrictions: If remarriage occurs after the age of 60 (or 50 if the survivor is disabled), the survivor can still claim benefits from the former spouse. Earlier remarriage generally directs benefits to the new spouse. Age Requirements: Survivors can claim benefits as early as age 60 (or 50 if disabled), but waiting until reaching “full retirement age” (typically 67) means collecting the full survivor benefit (100% of the deceased's benefit). Early claims result in reduced monthly amounts. Earnings Limits: If a recipient claims before full retirement age and continues working, their benefits may be reduced if their income exceeds the annual limit ($23,400 in 2025). Survivor benefits application can't be completed online, applicants must call or visit their local SSA office. Myths, Realities, and the Restricted Application of Ex-Spousal Benefits Stephanie, a divorced listener, asked if she could claim a spousal benefit and later switch to her own higher benefit. This is a common idea, but it is rarely permitted in practice today. No “Restricted Application” Unless Widowed: Generally, ex-spouses can only claim the higher of their benefit or up to 50% of their ex-spouse's benefit if the ex is alive. The “restricted application” (where you claim one benefit first and then switch later) is only available to widows or widowers, not to those whose ex-spouses are still living. Delaying for More: Your benefits do grow (8% per year between full retirement age and 70). However, survivor and spousal benefits don't accrue these “delayed retirement credits”; there's no advantage to waiting past full retirement age to claim them. Earnings Matter: Like survivor benefits, earnings above the income limits before full retirement age can result in reductions. The Social Security Fairness Act and New Opportunities Recent legislative updates, like the Social Security Fairness Act, have had a profound impact, especially for those affected by the Windfall Elimination Provision (WEP) or Government Pension Offset (GPO). Retirees such as teachers, firefighters, and some government workers previously saw reductions in their Social Security due to pensions received from non-Social Security-taxed jobs.  The Key Change is that WEP/GPO was repealed, and anyone affected can now claim full Social Security benefits. Most should already see retroactive and increased monthly payments. If you've not yet applied, check if you now qualify, the hurdles may have vanished! When Can You Claim on an Ex-Spouse's Record? Donna's inquiry emphasizes a lesser-known rule: If the divorce is recent and the ex-spouse hasn't claimed benefits, one must wait two years to claim on the ex's record unless the ex starts claiming earlier. For divorces older than two years, you can generally proceed without waiting. Those under full retirement age must ensure their income doesn't result in reduced payments. Social Security remains complex, especially during life events such as divorce, remarriage, death, or career changes. The rules can and do change, and representatives aren't infallible. If you suspect your situation is unique or you've been misinformed, it pays to contact the SSA or consult a trusted financial advisor. Resources Mentioned Retirement Readiness Review Subscribe to the Retire with Ryan YouTube Channel Download my entire book for FREE  How the Social Security Fairness Act Could Positively Impact Your Retirement, #236  Connect With Morrissey Wealth Management  www.MorrisseyWealthManagement.com/contact   Subscribe to Retire With Ryan

✔️ Sources: ► https://www.dailystar.co.uk/news/latest-news/woman-accidentally-bins-3m-bitcoin-34960920Timestamps:00:00 - intro 01:06 - Wife tosses usb drive worth millions!02:22 - this Couples bitcoin history03:23 - Ad Spot 04:06 - What are they now, how are they handling this loss? lessons learned?04:20 - Is Toms wife entirely to blame? 05:23 - Is Tom to blame in any way? 05:47 - E-wallet?07:22 - Fault tolerance - reference to best practices video09:45 - Fault tolerance with signing devices 10:15 - Spousal conversations dealing with signing devices/hardware wallets ► https://cyphersafe.io/ We offer a full line of physical stainless steel and brass products to help you protect your bitcoin from various modes of failure. CypherSafe creates metal BIP39 / SLIP39 bitcoin seed word storage devices that backup your bitcoin wallet and protect them from physical disaster► https://nohhue.com/ NOHhue is a community of Bitcoiners dedicated to building solutions and services with their own talent and work. Through NOHhue and Bitcoin we want to give global space and voice to talent within our community.► Join Our telegram: https://t.me/PlebUnderGroundChat #Bitcoin #crypto #cryptocurrency #dailybitcoinnews #memecoins The information provided by Pleb Underground ("we," "us," or "our") on Youtube.com (the "Site") our show is for general informational purposes only. All information on the show is provided in good faith, however we make no representation or warranty of any kind, express or implied, regarding the accuracy, adequacy, validity, reliability, availability, or completeness of any information on the Site. UNDER NO CIRCUMSTANCE SHALL WE HAVE ANY LIABILITY TO YOU FOR ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF THE USE OF THE SHOW OR RELIANCE ON ANY INFORMATION PROVIDED ON THE SHOW. YOUR USE OF THE SHOW AND YOUR RELIANCE ON ANY INFORMATION ON THE SHOW IS SOLELY AT YOUR OWN RISK.

In this episode of The Family Biz Show, host Michael Palumbos welcomes three generations of the Firkins family, owners of Tile Wholesalers, to discuss the evolution of their family business over 52 years. From launching as a one-man tile distributor in the 1970s to becoming one of upstate New York's leading residential and commercial tile providers, the Firkins family shares a powerful story of generational leadership, trust-based succession planning, and strategic growth. Al, Dave, Kathryn, and Conor Firkins reveal how they've handled leadership transitions, embraced new technology, navigated family dynamics, and built a people-first culture that has kept the business thriving across decades. They explore how early trust empowered the next generation to innovate, why working outside the business helped prepare Conor for leadership, and how listening to both employees and customers shaped the future of their showroom and operations. This candid conversation covers everything from generational business handoffs and managing disagreements to outlasting big-box competitors through personalized service and strong values. Whether you're a second- or third-generation leader or preparing for an ownership transition, this episode delivers real-world insight into what makes a family-owned business sustainable and successful. Takeaways Succession planning based on trust can lead to smoother generational transitions. Legacy family values and data-driven decisions can coexist. Outside experience can prepare the next generation for leadership. Open communication is essential for resolving family conflict in business. Strong culture is built through listening and empowering employees. Family dynamics must be navigated intentionally during leadership transitions. Personalized customer service differentiates family businesses from big-box competitors. Strategic growth often requires reinvestment and shared vision. Spousal support plays a vital role in business resilience and decision-making. Legacy isn't just history — it's a tool for future success. Chapters 01:00 Introduction to the Firkins Family Business 02:17 How Al Started Tile Wholesalers 04:14 Dave's Early Exposure & Entry Into the Business 05:07 Kathryn's Role & Perspective as a Spouse in the Business 09:33 Conor's Outside Experience Before Joining 10:53 Al on Trust & Transition to Dave 14:57 From Residential to Commercial Expansion 17:50 Handling Family Dynamics in Decision-Making 20:29 Managing Disagreements Constructively 22:48 Communication as a Competitive Advantage 24:19 Transition from Dave to Conor: What's Next 28:00 The Role of Spousal Support in Business Growth 32:34 Reinvesting in the Business: Building & Expanding 34:14 Conor's Focus on Building the Next Leadership Team 36:52 Competing with Big Box & Online Retail 40:35 Culture Starts with the Right People 41:40 Embracing Technology to Enhance Service 44:49 Understanding the Next Generation's Career Paths 48:19 Using Analytics & Listening to Guide Strategy 52:00 Final Advice from Each Generation on Legacy & Leadership 57:26 Breaking the Shirt Sleeves to Shirt Sleeves Pattern 51:00 Why Independent Businesses Still Have an Edge 51:53 The Firkins Family's Favorite Tradition

Jim and Chris discuss listener questions relating to spousal Social Security benefits, RMD tax withholding, IRA withdrawals, and 401(k) contribution limits. Jim also shares a PSA about a recent attempt at identity theft. (20:15) Jim shares a PSA about a fraudulent payday loan application attempted in his name and what he learned about credit freezes […] The post Identity Theft, Spousal Benefits, RMD Taxes, IRA Withdrawals, and 401(k) Contribution Limits: Q&A #2513 appeared first on The Retirement and IRA Show.

Colleen's spousal betrayal while traveling, we practice for March Madness WTF, airport pro-tips involving lasagna, a day off for sports parents, and a Lively/Baldoni update Learn more about your ad choices. Visit podcastchoices.com/adchoicesSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Colleen's spousal betrayal while traveling, we practice for March Madness WTF, airport pro-tips involving lasagna, a day off for sports parents, and a Lively/Baldoni update Learn more about your ad choices. Visit podcastchoices.com/adchoices

⚖️ What Happens If Your Ex Stops Paying Court-Ordered Spousal Support? | Los Angeles Divorce

⚖️ What Happens If Your Ex Stops Paying Court-Ordered Spousal Support? | Los Angeles Divorce

Fr. Patrick preached this homily on March 7, 2025. The readings are from Isaiah 58:1-9a, Psalm 51:3-4, 5-6ab, 18-19 & Matthew 9:14-15. — Connect with us! Website: https://slakingthirsts.com/ Youtube: https://www.youtube.com/channel/UCytcnEsuKXBI-xN8mv9mkfw

AGREE TO DISAGREE: Kids & chores // Spousal text etiquette // Lights on or off? // Dishwasher do's and don'ts // Breakfast! // WE HEAR YOU! and WORDS TO LIVE BY

Wood shares more thoughts on Detroit, MI author Jason Wilson's illuminating book The Man The Moment Demands: Master The 10 Characteristics Of The Comprehensive Man. In a recent episode Wood explained that he couldn't find a podcast on Spousal Grief that "fed" his needs - during his difficult moment of mourning and loss. So he revisits the recent passing of his wife, finding respite on the Reddit r/widowers board and delves into the versions of a man he's needed to be in his early foray into his current journey. ALL of the podcasters and media folk JUST unconditionally loved Kendrick Lamar's Super Bowl halftime performance. Okay. Well, this presents the next hill that Wood apparently has to die on, alone, in order to take a slightly different look at K Dot's 13-minute history making set.

Free Copy of My Book: Building Wealth In the TSP: Your Road Map To Financial Freedom as A Federal Employee: https://app.hawsfederaladvisors.com/free-tsp-e-book FREE WEBINAR: "The 7 Biggest FERS Retirement Mistakes": https://app.hawsfederaladvisors.com/7biggestmistakeswebinar Want to schedule a consultation? Click here: https://hawsfederaladvisors.com/work-with-us/ Submit a question here: https://app.hawsfederaladvisors.com/question-submission I am a practicing financial planner, but I'm not your financial planner. Please consult with your own tax, legal and financial advisors for personalized advice.

How to Create a Divorce Agreement That Works for Both of You | Los Angeles Divorce

How to Create a Divorce Agreement That Works for Both of You | Los Angeles Divorce

Laura reviews the rules for using a spousal IRA, including who's eligible to have one and the money-saving tax benefits you receive.Money Girl is hosted by Laura Adams. A transcript is available at Simplecast.Have a money question? Send an email to money@quickanddirtytips.com or leave a voicemail at 302-365-0308.Find Money Girl on Facebook and Twitter, or subscribe to the newsletter for more personal finance tips.Money Girl is a part of Quick and Dirty Tips.Links:https://www.quickanddirtytips.com/https://www.quickanddirtytips.com/money-girl-newsletterhttps://www.facebook.com/MoneyGirlQDThttps://twitter.com/LauraAdamshttps://lauradadams.com/

In this episode, we explore a clever tax strategy that can help Canadian couples potentially lower their overall tax bill: the spousal loan strategy. Ever wondered how to legally shift taxable investment income from a higher-income spouse to a lower-income spouse? Tune in as we demystify the ins and outs of using a prescribed-rate loan to optimize your family's tax situation.

Canadian journalist Nora Loreto reads the latest headlines for Friday, January 17, 2025.TRNN has partnered with Loreto to syndicate and share her daily news digest with our audience. Tune in every morning to the TRNN podcast feed to hear the latest important news stories from Canada and worldwide.Find more headlines from Nora at Sandy & Nora Talk Politics podcast feed.Help us continue producing radically independent news and in-depth analysis by following us and becoming a monthly sustainer.Sign up for our newsletterLike us on FacebookFollow us on TwitterDonate to support this podcast

Losing a loved one is a time of profound grief and confusion, and the practical tasks that follow can feel overwhelming. Settling a loved one's estate requires careful attention and preparation. Let's walk through six financial steps to take during this challenging time, all underpinned by prayer and reliance on God's guidance.Begin with PrayerBefore addressing financial matters, take time to pray. Invite God into your decisions and ask for wisdom. James 1:5 reminds us, “If any of you lacks wisdom, let him ask God, who gives generously to all without reproach, and it will be given him.”Prayer offers clarity and comfort, helping you approach the estate settlement process with confidence and peace, knowing the Holy Spirit is interceding on your behalf (Romans 8:26).Step 1: Obtain the Death CertificateThe death certificate is a critical legal document you'll need to settle your loved one's affairs. It's usually prepared by the medical examiner and provided through the funeral home.You'll need multiple copies for various purposes, such as notifying financial institutions, filing taxes, and starting probate. If you don't receive the death certificate within a few weeks, contact the funeral home or your local vital records office.Step 2: Begin the Probate ProcessTake the death certificate and the will to your county probate office to file a petition to begin probate. As the executor, you can then carry out the deceased's wishes.If there's no will, the process becomes more complex. You'll still petition the court to begin probate and may request to be named administrator of the estate. However, the court will decide how the estate is distributed according to state law. For guidance, consider consulting a Certified Kingdom Advisor (CKA). Visit FaithFi.com and click “Find a Professional” to find a trusted advisor.Step 3: Notify Financial Institutions and AdvisorsInform the deceased's financial institutions, banks, and financial advisors of their passing. Advisors can help identify assets and ensure they're handled correctly.Check for accounts with Transfer on Death (TOD) or Payable on Death (POD) instructions. These accounts can often bypass probate, simplifying the process.Additionally, notify the three credit reporting agencies—Equifax, TransUnion, and Experian. Provide the death certificate to close accounts and check for fraudulent activity.Step 4: Address Insurance PoliciesContact the deceased's life insurance company to begin the claims process and provide the death certificate and policy details.Also, cancel other unnecessary insurance policies, such as auto or disability insurance, to avoid ongoing payments for no longer required services.Step 5: Notify Government AgenciesEnsure the appropriate government agencies are informed of your loved one's passing. The funeral director often notifies Social Security but confirm that this has been done.Notify Medicare and, if applicable, the VA or other government programs. This step helps avoid complications and ensures benefits are properly adjusted.Step 6: File Final TaxesThe final step is filing the deceased's taxes, including any outstanding returns. This is often best handled by a professional, such as a CPA, to ensure compliance and accuracy.While these tasks may seem overwhelming, prayer and preparation can guide you through. Remember, you are not alone in this journey. Lean on God's wisdom and the support of trusted professionals to navigate this season with grace and confidence.On Today's Program, Rob Answers Listener Questions:My able-bodied older sister has been relying on our family for financial support for the past 8 years, even though the work she chooses doesn't provide enough income. Should we continue supporting her, or is that not helping her in the long run?My wife and I will inherit an IRA from my mother-in-law. The IRA and a brokerage account contain over $300,000 in cash. However, the money market account yield has dropped from 5.3% to 4.5%. Where should we invest this cash with the stock market looking richly valued?I'm 70 and retired, and I need to get a new car. I currently owe $27,000 on my home. Should I pay off the remaining mortgage, which would increase my monthly payment, or should I get a car that would cost around $20,000, which would lower my monthly payment? I don't know where to get the money to do either.My 91-year-old dad has a $3,500-$4,000 monthly shortfall in his long-term care expenses and is down to his last $25,000. I'm considering a reverse mortgage for him, as this could allow him to stay in his home for another 2.5 years. What are your thoughts on the different types of reverse mortgages and whether this could be a good option for his situation?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly PublicationMovement MortgageNational Christian Foundation (NCF)Look 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.

Join our hosts and Katie Reis in an insightful discussion that delves into the lived experience of spousal intimacy with the Lord. Building on the previous episode's theological foundation, this installment explores practical aspects of nurturing a deeper relationship with God through prayer, sacrameånts, and vulnerability. They highlight the importance of genuine sharing, savoring God's presence, and overcoming obstacles like fear and unworthiness. Tune in for a profound conversation on expressing love for the Lord and growing in spiritual intimacy.   00:00 Introduction to Spousal Intimacy 00:53 The Role of Prayer in Spousal Intimacy 01:52 Vulnerability and Deep Sharing with God 03:36 Practical Aspects of Spousal Prayer 14:34 The Importance of Praise and Worship 32:33 Guarding and Prioritizing Prayer Time 33:10 The Story of Martha and Mary 33:52 The Cost of Putting God First 34:16 Blessings of Prioritizing Prayer 35:14 Vulnerability in Worship 36:25 Fear of Intimacy 38:32 Overcoming Fear and Embracing Love 40:32 The Courage to Be Seen 41:31 Jesus' Ultimate Vulnerability 45:19 God's Unconditional Love 51:00 The Prodigal Son and Peter's Feet 54:26 Concluding Thoughts and Prayer

Jim and Chris discuss listener questions relating to Social Security spousal benefits, IRMAA planning, step-up in basis rules, family maximums, IRA beneficiaries, and factoring inheritances into retirement planning. (12:00) George asks how his wife's spousal Social Security benefit will be calculated, specifically regarding COLA increases to his PIA and his delayed filing at age 70. […] The post Spousal Benefits, IRMAA, Step-Up Basis, Family Maximums, Beneficiaries, and Inheritances: Q&A #2501 appeared first on The Retirement and IRA Show.

Episode #919 Has your wife ever criticized you in front of your kids or tried to rally them against you? It's a tough spot to be in, and it can take a toll on your family. In this revisit episode, we dive back into an important topic: understanding why this happens and how to handle it effectively. You'll discover how to set boundaries, uncover the deeper issues driving this behavior, and protect your kids from being dragged into the conflict. Take a firm yet loving approach to restore respect and harmony in your home. Tune in and revisit these essential strategies. __________ Hungry for more? Head over to our Bonus page for special access to some of the deeper tactics and techniques we've developed at The Powerful Man.

If you can't take losing another sale to the spousal objection, today's episode is for you. Trust me, this used to be an issue for me too. As you'll hear in the episode, I once asked a prospect, "Do you also ask your husband for permission to eat too?" Not the best strategy. After thousands of calls, we've nailed a framework called the PAID framework to handle this objection with ease. I'll break it all down and give you examples along the way!   Time Stamps:   (1:11) Our PAID Framework (2:25) Quick Backstory (4:20) What Not To Do (5:30) The Objection As A Collaborative Discussion (6:56) Align With Their Values (7:41) Illuminate The Issue (9:15) Direct The Next Steps (11:58) Bonus Tip (16:00) Please Rate/Review ---------- Whenever You're Ready, Here Are 4 Ways We Can Help You (For Free)   (Community) Join the Fitness Business Secrets FB  Community to Unlock Your Free 5 Clients in 5 Days Mini-Course   (Content) Grab our exact post templates that are responsible for more than 3,500 online clients in our business Automated Post Planner   (Instagram) 3-5x Your Engagement, Grow an Audience and Generate Dream Clients from Instagram IG Playbook For Health & Fitness Coaches   (Get Clarity) Schedule a FREE No-Obligation 15-minute Call to Explore How To Add 10,000/Mo to Your Business–Guaranteed

Jim and Chris discuss listener questions relating to IRMAA, SS Spousal Benefits, IRA withdrawals, Qualified Charitable Donations, and Roth contributions. (6:45) A listener looks for assistance filling out form SSA-44 to have his IRMMA surcharge reevaluated. (24:15) George wonders if his wife claiming her Social Security benefits early will reduce her spousal benefit when he […] The post IRMAA, Spousal Benefits, IRA Withdrawals, QCDs, and Roth Contributions: Q&A #2450 appeared first on The Retirement and IRA Show.

It's Mailbag Friday! You've got questions, we've got answers! Segment 1 • Should the gospel be simplified for kids? Is it ever too early to mention hell? • Should you serve in a church before becoming a member? Is it a red flag if they allow it? Segment 2 • Church governance: Elder-led, congregationally-directed, or hybrid—which is biblical? • Can Christians say “Namaste” or use greetings from other faiths without dishonoring God? • Should Christians support the building of the Third Temple? What's the biblical stance? Segment 3 • Spousal disagreement: Can a marriage thrive if you don't agree on women pastors? • If denying Christ could save a life, what should you do? A moral dilemma under pressure. • Is witnessing to atheists online worth it—or just a waste of time? Segment 4 • Do married couples need to study Scripture together—or is solo study still essential? • If marriage seems impossible, how do you let go of the desire to be married? • Should conservatives try to reform liberal churches—or is it better to walk away? • Is free speech on the brink of extinction? Are open-air conversations the last refuge? ___ Thanks for listening! Wretched Radio would not be possible without the financial support of our Gospel Partners. If you would like to support Wretched Radio we would be extremely grateful. VISIT https://fortisinstitute.org/donate/ If you are already a Gospel Partner we couldn't be more thankful for you if we tried!

  As Election Day approaches I thought about this oldie but goodie… I voted early... BIG F-R-O In a ID4 Uh Uh "...go turn Lincoln's picture to the wall. That debt has been paid in full." Robert L Vann, The Courier FDR was a politician able to make promises to African Americans and the rest of the country but did not quite ensure the delivery of relief from poverty and starvation. It was all about the Benjamins that caused our mass exodus from the South and the Republican Party. Who Knew Angela Staunton's Dissection of Phony Phae Phae is still better than Season 15 of #RHOA   You have to know the law to break it without getting caught. Spousal privilege is a thing... Phaedra Parks spent an entire Season trying to build her image to portray herself in a different light to help solidify her $30 million case which was dismissed with prejudice some 4 years later.  I also have popular culture commentary and more commentary on Un-reality T. Become a Melanated Nerd on Podbean or Patreon by clicking https://linktr.ee/tnfroisreading to subscribe and listen to all Premium content; the window closes soon on available Episodes across most platforms! Check out Clip for this episode  All good things must come to an end...my passion project hasn't started to pay for itself. You can have dope content, but people will not pay for anything they can get for free. And Bay-bee, I-DON'T-DO Free!   Bought to you by Felicia's Paycheck!   Actively seeking partners, sponsors or sponsorships to continue to provide amazing content. So become a Melanated Nerd on Podbean Or Patreon and other archived content by clicking https://linktr.ee/tnfroisreading to subscribe and listen to all Premium content; the window has closed on available Episodes!