Podcasts about spousal

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

What do you get when you mix a 15,000-person rally, a Boilermaker endorsement, and Mark Carney forgetting the price of strawberries? A pre-debate episode of The Discourse that does not hold back. This week, Erika and Cheryl throw down over:

✔️ 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

Smart Decisions for Couples

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

In this thought-provoking episode, Father Michael Trummer, Mary Bielski, and Father Christopher, delves into the profound concept of having a spousal relationship with God. Addressing the deeply rooted theological and spiritual aspects of this topic, they discuss the importance of understanding God not just as a friend or father, but as a spouse. The conversation highlights significant scripture passages, the fruits of spousal intimacy, and personal experiences that illustrate how this relationship can transform one's faith journey. Whether you're a priest, a layperson, or someone seeking deeper intimacy with God, this podcast offers valuable insights and reflections. Tune in to explore the rich theology and practical implications of being in a spousal union with God.   00:00 Introduction and Podcast Setup 00:35 Understanding Spousal Relationship with God 02:29 Personal Experiences and Perspectives 05:49 Theological Foundations and Scriptural Insights 28:36 Priestly Identity and Role 31:34 The Wedding at Cana and Eucharistic Union 36:55 The Mystical Union with God 37:58 Jesus' Sacrifice and Mercy 38:31 The Last Supper and the Cross 40:59 The Sacred Heart and Total Emptiness 41:59 Desire and Intimacy with God 42:46 Saints' Expressions of Divine Love 45:08 Spousal Relationship with God 45:51 The Song of Songs and Human Love 46:28 Eros and Agape in Christianity 47:45 God's Delight in Us 48:27 The Importance of Intimacy with God 59:47 Living in God's Love 01:00:24 Invitation to Spousal Intimacy 01:11:20 Prayer and Closing Reflections

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.

Kick off the New Year by gaining valuable financial insights. In this episode of the Mind Your Money podcast, Trent and Brandon dive deep into listener questions covering a wide range of topics. Join them as they break down questions around maximizing 401(k)s, when you should be looking at taking your Social Security benefit, how spouses can get on the same page financially, and the fear of a future market crash. Here's some of what we discuss in this episode: Spousal Financial Harmony: Discover practical strategies to bridge the gap between spouses' financial perspectives and achieve shared goals. 401(k) Optimization: Learn how to maximize your 401(k) contributions and investment choices to build a strong retirement foundation. Social Security Timing: Explore the complexities of Social Security benefits and determine the optimal age to start claiming to maximize your lifetime income. Conquering Market Crash Anxiety: Address the fear of market downturns and develop a robust investment strategy that can weather economic storms.   Contact: Website: http://bradshawfp.com  Email: office@bradshawfp.com Call: 704-216-2260

Navigating the CR1 Spousal Visa process can be complex, but understanding the frequently asked questions can help streamline your journey to reunite with your spouse in the United States. Today we'll explore common inquiries surrounding the CR1 Spousal Visa, addressing key topics such as eligibility criteria, application procedures, and interview preparation.  We have serviced over 150 nationalities and will assist you or your company with your immigration needs. 

#1- What to do when standing in one of those never ending Latin American bank, supermarket or govt. lines: You should know there's a certain Latin American “Line” etiquette?   #2- Latino cops and their cell phone addictions: Yes, unfortunately they pay infinitely more attention to Tic Tock than the job at hand… #3- What about Mexico City as a plan C or D? #4- Spousal and domestic abuse is out of control Latin America because its mostly tolerated:     #5- Be sure to pick up my newly updated, "LATIN AMERICAN HEALTHCARE REPORT": the new edition for 2024 (and beyond) is available now, including the latest "Stem Cell Clinic" info and data and my top picks for the best treatment centers for expats and gringos. Just go to www.ExpatPlanB.com      #6- Our own Expat Captain Mango has developed a unique one-on-one Crypto consulting and training service (he's been deep into crypto since 2013). To get started, email him at: bewarecaptainmango@gmail.com 

The theme this week on the podcast is: The Best of 2024 I'm bringing you into the new year by rewinding and replaying the most downloaded, most listened to, and most popular episodes from 2024. The topics are varied, covering everything from social security to inflation to the 4% rule. 

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.

Join us on this episode as we sit down with Marv McGuire, half of a dynamic real estate investing duo alongside his wife Victoria. Based in sunny Florida, Marv shares their journey from military and corporate life to becoming successful multifamily property investors. Discover their strategy, challenges, and the power of working together as a couple in the real estate business. Whether you're starting out or scaling up, Marv's insights will inspire and inform your own real estate ventures.   ================================== Want to grow your real estate investing business and portfolio?  You're in the right place. Welcome to the Property Profits Real Estate Podcast

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.

Blake shares his insights on why SLATs are often viewed as the go-to tool for estate tax planning, but also highlights the important considerations and potential downsides that many overlook. From the irrevocable nature of these trusts to the implications of divorce and early death, this episode dives deep into the complexities of estate planning for high net worth individuals. Key topics include: What a SLAT is and how it works The benefits and risks associated with SLATs The importance of financial flexibility and growth When it makes sense to consider a SLAT based on age and asset value The significance of understanding your personal goals in estate planning

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.

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!

Jim and Chris (and Jake too!) sit down to answer some listener questions about Medicare, Roth conversions, Social Security, and 401k catch up contributions… (10:00) George wonders how his wife's ACA premium tax credits will be affected for the first part of the year if he increases his income after she turns 65 and enrolls […] The post Medicare, Roth Conversions, Spousal Benefits, 401(k) Contributions, and RMDs: Q&A #2444 appeared first on The Retirement and IRA Show.

  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!            

Having ADD or ADHD is a gift, not a curse. Hear from people all around the globe, from every walk of life, in every profession, from Rock Stars to CEOs, from Teachers to Politicians, who have learned how to unlock the gifts of their ADD and ADHD diagnosis, and use it to their personal and professional advantage, to build businesses, become millionaires, or simply better their lives.   Our guest today is Aleksandra Czech-Seklecka. She is an entrepreneur originally from Poland, now living in Scotland. Her career journey has been diverse and shaped by a deep curiosity and drive to pursue multiple passions, holding degrees in cross-cultural psychology, media psychology, and cultural studies with a specialization in Japanese culture, along with certification in the Japanese language. In her own words: Growing up, I faced many challenges. I come from a difficult family background and was bullied throughout most of my life, which deeply impacted my self-esteem. These experiences, combined with the struggle of living with undiagnosed ADHD and with chronic pain, with undiagnosed endometriosis, pushed me to develop resilience and determination. I learned early on how to persevere, which has shaped the way I approach life and business today. After a few career starts I moved into project management at Samsung R&D Institute Poland, gained certifications in Prince2 and Agile, and co-created a Project Management Office for Android commercialization across Europe. After moving to Scotland, my career took an unexpected turn due to health challenges. I was diagnosed with endometriosis (finally after 20 years of suffering), which required multiple surgeries and led to a significant gap in my employment. This challenging period pushed me to reinvent myself, and I decided to focus on building my own business. During this time, finding work was made even more difficult by the timing of Brexit, which created additional barriers. So instead of banging my head against the wall, I decided to build my own business. I had many ideas, but I was constantly searching for something that could truly help others because I love helping people. That's when VanFill was born - an on-demand platform connecting customers with transport providers using empty spaces in vans and trucks, helping underserved communities access delivery services. The idea came to life when I organized a collection of medical supplies in Scotland for Ukraine. I realized that this platform would be another way I could help others. I turned this idea into reality by learning no-code tools to build the prototype. Since then, I have participated in numerous accelerators and business programs to develop the skills and networks needed to bring VanFill to life. Throughout my life, I've been actively involved in volunteering - supporting women with chronic pain and health conditions, working with different charities, and helping minority groups. In addition to my entrepreneurial work, I am deeply committed to advocating for women living with chronic illness and chronic pain. As someone who also lives with ADHD, I know firsthand the mental and physical hurdles that can arise. Through my journey, I want to inspire and empower women facing similar challenges to pursue their goals despite the obstacles. Currently, I am writing a book aimed at helping entrepreneurs, with a special focus on those living with ADHD and chronic conditions, offering guidance and inspiration for navigating the challenges of building a business while managing health difficulties and living with ADHD. I believe that no matter the challenges - be it chronic pain, personal struggles, or professional roadblocks - there is always a way forward. We just need to find the right map and guidance to not get lost on our way. Enjoy! [You are now safely here] 00:40 - Thank you for listening and for subscribing!! 01:20 - Introducing and welcome Aleksandra Czech-Seklecka! Ref:  https://www.vanfill.co.uk 02:50 - What was growing up with ADHD like for you in Poland? 04:00 - On finding a focused pursuit for her passions and talents 05:40 - Endometriosis and finding a name for what was wrong, in order to build a support kit 06:50 - On adjusting to being ADHD 07:20 - About not knowing what's wrong with your partner 08:10 - Explaining the gap in her resume/CV 09:10 - On rethinking her life after being diagnosed and not being able to walk for a year 10:00 - On finding her niche  10:50 - On starting your own business with ADHD and how to avoid being bored 12:15 - On social media marketing, distractions/choices and being ADHD 13:00 - About the benefits of time blocking, logging ideas and setting priorities  13:58 - What other rules and tools do you put into play to make sure things happen? 15:20 - On overwhelm and emotional processing 16:02 - Never underestimate screaming out in nature with friends! 16:50 - Spousal help and office/task management 18:06 - How can people find you? Via https://www.vanfill.co.uk also on LinkedIn  And @akaiworlds on Instagram and LinkedIN 18:30 - Forthcoming book teaser 19:35 - Thanks so much for listening to Faster Than Normal. Please join us again very soon! Know anyone doing wonderful things with #ADHD? We would love to have them on and listen to how they are using their #neurodiversity to their advantage. Shoot me an email and we will get them booked! My link tree is here if you're looking for something specific. https://linktr.ee/petershankman

For many, Social Security makes up a large portion of their retirement income, so it's important to know how to maximize your Social Security benefit. James explains how Social Security works, diving into some important foundational aspects. He then explains four key strategies for maximizing benefits:1. Work for 35 years to avoid zero-income years in the calculation.2. Delay benefits, if possible, until age 70, increasing payments by 8% annually after full retirement age.3. Leverage spousal benefits, allowing a lower-earning spouse to claim up to 50% of the higher-earning spouse's benefit.4. Plan for survivor benefits, where a surviving spouse can receive 100% of the deceased spouse's benefits.By understanding how these factors work, retirees can make informed decisions to maximize their Social Security income, reducing pressure on their savings and ensuring a more stable retirement.Submit your request to join James: On the Ready For Retirement podcast: Apply HereOn a Retirement Makeover episode: Apply Here Questions answered:How is Social Security funded, and how does it affect my retirement income?How are Social Security benefits calculated based on my earnings?Timestamps:0:00 - How SS works4:16 - Drilling deeper6:27 - Full retirement age8:08 - Work 35 years10:08 - If possible, wait12:17 - Spousal benefits14:03 - Survivor benefits17:39 - SummaryCreate Your Custom Strategy ⬇️ Get Started Here.

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 2900: Doc G explores the challenge of achieving spousal buy-in on the journey to financial independence. While one partner may dive headfirst into the FIRE movement, the other often needs time, persuasion, and exposure to the lifestyle's math and community before fully embracing the idea. The article emphasizes the importance of patience, mutual understanding, and realistic discussions to align financial goals. Read along with the original article(s) here: https://www.earnandinvest.com/blog/9iir510msvrt4pup2rm89gq1be3298 & https://www.earnandinvest.com/blog/x0u2rydfvclvnruwdqv6aqouvzhu1i Quotes to ponder: "You really trust these cooks on the internet? They are lying to you and making it sound better than it really is. What the hell is a money mustache anyway?" "The numbers are the numbers. Take the time to make sure your spouse understands them." "Why would one ever attain spousal buy-in if it required living like a monk?" Episode references: Playing with FIRE Documentary: https://playingwithfire.co/ Learn more about your ad choices. Visit megaphone.fm/adchoices