Podcasts about SSA

Leaders of the Senate Finance Committee want answers from the Social Security Administration about DOGE sharing its data. Chairman Mike Crapo and Ranking Member Ron Wyden are asking SSA what agency data was shared with outside groups. The Justice Department recently told a federal court that DOGE staffers at the agency discussed sharing agency data with an advocacy group looking to “overturn election results” in some states. DOJ referred the two DOGE employees for potential violations of the Hatch Act.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Diabetes la segunda causa de muerte en México: Inegi  SCJN ordena extender medidas de protección a víctimas  Decomisan 4 mil 500 litros de gas LP en TabascoMás información en nuestro podcast

México suspende envío de petróleo a Cuba: Sheinbaum SSa invierte en infraestructura y equipamiento para 2026 DavidToscano gana el Premio Alfaguara de Novela 2026Más información en nuestro podcast

Sheinbaum analiza invitación de Trump para Consejo de Paz  Jefe de la Patrulla Fronteriza  saldrá hoy de Minnesota tras muertes de civiles  27 de enero, Día Internacional en Memoria de las Víctimas del Holocausto  Más información en nuestro podcast

This week on Look Forward, the guys return to discuss another episode of "TACO" this time it's Greenland edition, Europe pushes back strong against Trump, speeches at Davos, ICE thinks it can violate the 4th amendment, judge will not allow feds to go after Don Lemon, US House approves $30 million for increased SCOTUS security, Jack Smith testifies publicly to the House, pension funds start to dump US treasurys, DOGE access social security data to help overturn elections, Trump pushes further on his Board of Peace aka his evil UN alternative. Big TopicTACO: Greenland EditionSpeech at DavosFrom TrumpFrom the rest of the worldEurope's responseNews You NeedICE says they can violate your 4th amendment rightsAnd they're literally kidnapping childrenJack Smith testifies to Congress on his investigationJudge declines to sign off on charges against Don LemonUS House approves additional $30 million for Supreme Court securityPension plans selling off US TreasurysFast Corruption and Faster Screw-UpsDOGE accessed your social security information illegally, but that's just the startThe “Board of Peace” is like the loser table in the cafeteria

Personnel is policy. Sadly, Pope Leo XIV has promoted Archbishop Carlo Roberto Maria Redaelli as the new Secretary for the Dicastery for Clergy—a bishop known for refusing to condemn an SSA “marriage” involving a Catholic scout leader and for praising restrictions on the Traditional Latin Mass, saying that Pope Benedict XVI's liberalization of the Latin Mass was a “wrong decision.” Learn more about your ad choices. Visit megaphone.fm/adchoices

A new congressional spending bill could offer a lifeline to reauthorize the Technology Modernization Fund, which expired last month and froze nearly $200 million in unused funds. Congressional appropriators released the final slew of fiscal 2026 spending bills Tuesday, allocating more than $1 trillion to federal agencies and extending various laws or programs. Among the extensions is the reauthorization of the TMF through FY2026, or Sept. 30. It comes just over a month after authorization of the innovation funding vehicle expired Dec. 12. TMF was created in 2017 to fund technology projects across the government, but the bill that made it also set an expiration date that only Congress can extend. Lawmakers failed to move forward with standalone legislation to reauthorize the fund last month, and efforts to include it in larger spending packages also fell flat. Trade groups and IT industry experts were disappointed at the time, telling FedScoop in previous interviews that the expiration was not representative of the issue's typical bipartisan support. Some pinned the blame on procedural hurdles in Congress, including the 43-day-long government shutdown that pushed various nonfunding priorities toward the end of the year. Rep. Nancy Mace, R-S.C., introduced bills in the last three Congresses to reauthorize TMF beyond 2025, but they did not make it out of the Senate, where they have at times faced pushback from congressional appropriators. Members of the so-called Department of Government Efficiency embedded in the Social Security Administration potentially exposed personally identifiable information via a third-party server, the Department of Justice said in a court filing that also revealed coordination between DOGE and an advocacy group seeking “evidence of voter fraud.” A lawsuit filed last February by the AFL-CIO and other labor groups against the SSA sought to cut off DOGE's access to sensitive data housed in agency systems. In March, the U.S. District Court for the District of Maryland issued a temporary restraining order to limit that access. But after an SSA records review of the agency's “former DOGE Team for audit and litigation purposes,” the DOJ said in a filing dated Friday that “communications, use of data, and other actions” were found to be “potentially outside of SSA policy and/or noncompliant” with the court's order. One of those instances involved DOGE's sharing of data via a third-party Cloudflare server — a system that is “not approved for storing SSA data and when used in this manner is outside SSA's security protocols,” the DOJ wrote. The Daily Scoop Podcast is available every Monday-Friday afternoon. If you want to hear more of the latest from Washington, subscribe to The Daily Scoop Podcast  on Apple Podcasts, Soundcloud, Spotify and YouTube.

Being a Millionaire Ain’t What It Used to Be Episode 367 – It wasn't that long ago that Regis Philbin drew massive viewers with his TV program Who Wants to be a Millionaire. Never mind the fact that the top prize was $1 million before taxes, which is considerably less than $1 million after taxes. But in today's economy, being a millionaire does not necessarily project the same status it once did. Or does it? More SML Planning Minute Podcast Episodes Transcript of Podcast Episode 367 Hello, this is Bill Rainaldi, with another edition of Security Mutual's SML Planning Minute. In today's episode, being a millionaire ain’t what it used to be. It wasn't that long ago that Regis Philbin drew massive viewers with his TV program Who Wants to Be a Millionaire. Never mind the fact that the top prize was $1 million before taxes, which is considerably less than $1 million after taxes. And while it's much more noticeable today, even during Y2K, being a millionaire did not give the same status that it once did. Yet it's an achievement many of us are shooting for. According to a new study, almost half of all workers (48 percent) have set $1 million as their retirement benchmark. That number was only 37 percent in 2024. But people aren't necessarily optimistic about reaching that milestone. In fact, a mere 27 percent actually expect to get there.[1] Another recent study provides more information on this. An analysis of government survey data done by Bloomberg indicates that there are more than 24 million millionaire households, or almost one in five. But a lot of that wealth is sealed into 401(k)s, IRAs and home equity, none of which is easily accessible. This is especially true for households in the lower end of the millionaire spectrum, with a net worth between $1 million and $2 million, which on average, have 66 percent of their wealth locked into these types of assets.[2] It’s important not to minimize what so many people have accomplished. $1 million is a great emotional milestone. And it's still a lot of money. The median household net worth is considerably less: about $193,000.[3] But nowadays, you might not be able to live off $1 million. It could end up lasting you a long time, but it all depends on where you live (which you can control), your health and longevity (which you might not be able to control), and how much you spend on things like housing, health care and other expenses. Every situation is different, of course. The cost of living varies widely throughout the United States. According to research by Forbes magazine, the average cost of living, defined as “housing costs, transportation, health care, food and income taxes,” is the highest in Hawaii at $55,491. Mississippi comes in the lowest with an average of $32,336. Of course, this is just for the essentials. The figures don't include entertainment, travel or anything else.[4] When it comes to longevity, average life expectancy has some quirks to it. For one thing, each year you age, your remaining life expectancy goes down, but not by a full year. This is a statistical oddity due to the fact that you're still here, but a few of your peers are not. For example, if you are a male age 60, your remaining life expectancy is 23.3 years, or to age 83.3. But if you make it to age 65, your new life expectancy is 19.3 years, or to age 84.3.[5] There are gender differences as well. For people age 65, females, on average, outlive males by approximately 2.7 years.[6] These are all just averages, of course. But the resulting life expectancies are often longer than people might anticipate. Here's another unique statistic: For a married couple age 60, there is approximately a 60 percent chance that at least one of the two will live past age 90.[7] That may or may not be you, but the longer you expect to live, the more concerned you will be about whether your $1 million is enough. How long will it last, and will you still be around when it runs out? Here are three hypotheticals compiled by SmartAsset. In the first one, assume you start with $1 million and get a 6 percent return. Also assume you are in a 24 percent tax bracket and you spend $5,000 per month. In that scenario, your $1 million should last you 30 years. But in the second scenario, assuming your return goes down to 5 percent, the well would run dry in 26 years. In the third scenario, your return goes up to 7 percent. But your tax bracket is also higher: 32 percent, and your withdrawal goes up to $6,000 per month. With those assumptions, your savings would only last 23 years.[8] Keep in mind that these examples do not include other sources of income such as Social Security. The maximum amount of Social Security you can collect is $5,181[9] per month before tax and Medicare charges, but that assumes you paid in the maximum and collect at age 70, which less than 10 percent of people do.[10] The average benefit is approximately $1,959 per month.[11] But when it comes to retirement income, the one huge advantage Social Security has is that it is indexed for inflation, although the Cost of Living Adjustment (or COLA) increases don't always keep up. So, how much you can accumulate for retirement is important, but it's not everything. Perhaps some of us are focusing on the wrong thing. Maybe it's just as important to have an income plan as it is to have an accumulation plan.[12] In other words, no matter how much you save, it's still only the first half of the journey. [1] Randall, Steve. “Nearly half of workers peg retirement target at $1M as anxiety climbs.” Investmentnews.com. https://www.investmentnews.com/retirement-planning/nearly-half-of-workers-peg-retirement-target-at-1m-as-anxiety-climbs/263546 (accessed December 15, 2025). [2] Steverman, Ben, Tartar, Andre and Davidson, Stephanie. “America Is Minting Lots Of Cash-Strapped Millionaires.” Fa-mag.com. https://www.fa-mag.com/news/america-is-minting-lots-of-cash-strapped-millionaires-84395.html (accessed December 12, 2025). [3] Kane, Libby. “The net worth it takes at every age to be richer than most people you know.” Businessinsider.com https://www.businessinsider.com/net-worth-data-american-wealth-age-2025-4 (accessed December 12, 2025). [4] Rothstein, Robin. “Examining The Cost Of Living By State.” Forbes.com. https://www.forbes.com/advisor/mortgages/cost-of-living-by-state/ (accessed December 15, 2025). [5] Social Security Administration. “Retirement & Survivors Benefits: Life Expectancy Calculator.” Ssa.gov. https://www.ssa.gov/OACT/population/longevity.html (accessed December 15, 2025). [6] The Global Statistics. “Life Expectancy by Age in the US 2025 | Stats & Facts.” Theglobalstatistics.com. https://www.theglobalstatistics.com/life-expectancy-by-age/ (accessed December 15, 2025). [7] Social Security Administration. “Longevity Visualizer.” SSA.gov. https://www.ssa.gov/policy/tools/longevity-visualizer/index.html (accessed December 15, 2025). [8] Smartasset.com. “Is $1M Enough to Retire Comfortably in 2025? Replace Guesswork With a Fiduciary-Built Plan.” Insights.smartasset.com. https://insights.smartasset.com/sem/how-long-will-1m-last-in-retirement?utm (accessed December 15, 2025). [9] Social Security Administration. “Worker with steady earnings at the maximum level since age 22.” Ssa.gov. https://www.ssa.gov/OACT/COLA/examplemax.html (accessed December 15, 2025). [10] Royal, James. “What age do most Americans take Social Security?” Bankrate.com. https://www.bankrate.com/retirement/when-do-most-americans-take-social-security/ (accessed December 15, 2025). [11] Horton, Cassidy. “What's the average Social Security check in Dec. 2025?” Aol.com. https://www.aol.com/finance/retirement-planning/article/average-social-security-benefit-payment-december-2025-195039610.html (accessed December 15, 2025). [12] LaPonsie, Maryalene. “Can You Retire on $1 Million? Here’s How Far It Will Go in 2025.” USNews.com. https://money.usnews.com/money/retirement/articles/can-you-retire-on-one-million (accessed December 15, 2025). More SML Planning Minute Podcast Episodes This podcast is brought to you by Security Mutual Life Insurance Company of New York, The Company That Cares®. The content provided is intended for educational and informational purposes only. Information is provided in good faith. However, the Company makes no representation or warranty of any kind regarding the accuracy, reliability, or completeness of the information. The information presented is designed to provide general information regarding the subject matter covered. It is not to serve as legal, tax or other financial advice related to individual situations, because each individual's legal, tax and financial situation is different. Specific advice needs to be tailored to your situation. Therefore, please consult with your own attorney, tax professional and/or other advisors regarding your specific situation. To help reach your goals, you need a skilled professional by your side. Contact your local Security Mutual life insurance advisor today. As part of the planning process, he or she will coordinate with your other advisors as needed to help you achieve your financial goals and objectives. For more information, visit us at SMLNY.com/SMLPodcast. If you've enjoyed this podcast, tell your friends about it. And be sure to give us a five-star review. And check us out on LinkedIn, YouTube and Twitter. Thanks for listening, and we'll talk to you next time. Tax laws are complex and subject to change. The information presented is based on current interpretation of the laws. Neither Security Mutual nor its agents are permitted to provide tax or legal advice. The applicability of any strategy discussed is dependent upon the particular facts and circumstances. Results may vary, and products and services discussed may not be appropriate for all situations. Each person's needs, objectives and financial circumstances are different, and must be reviewed and analyzed independently. We encourage individuals to seek personalized advice from a qualified Security Mutual life insurance advisor regarding their personal needs, objectives, and financial circumstances. Insurance products are issued by Security Mutual Life Insurance Company of New York, Binghamton, New York. Product availability and features may vary by state.​ SubscribeApple PodcastsSpotifyAndroidPandoraBlubrryby EmailTuneInDeezerRSSMore Subscribe Options

In this episode, we're joined by Tambra Jones, Executive Director of the Specialty Sleep Association (SSA), who shares how she supports more than 30 companies exhibiting in the Vegas market at Space Number C1565. Tambra discusses SSA's mission to help member brands grow their business and visibility through education, strategic publicity, and good old-fashioned hospitality. With a legacy dating back to 1995, SSA continues to create awareness for its members while educating both the industry and the public on the importance of specialty sleep solutions.  

Sheinbaum asegura abasto de vacunas contra sarampión Sarampión supera los 7 mil contagios en México: SSaLa Gran Pirámide de Cholula, la más grande del mundoMás información en nuestro podcast

Hola! Es comienzo de año y siempre se llega a Enero con mirada optimista, es como una regla de oro para mi. Aunque el año civil es solo un simbolismo o una forma de contar el tiempo, ayuda tanto estar positivo, atrae tanto, estar de buenas, que no veo otra forma de comenzar el año calendario.  Si no me conoces, mi nombre es Mabel y hago este podcast desde hace 3 años. Al principio se llamó Superando la diabetes, en la segunda temporada, le nombré: La Konquista con K de kaizen y ahí estamos aún, en la mejora continua.    Kaizen será siempre parte de este podcast porque cada vez que identificas algo que te puede cambiar para mejor, tienes que aprovechar. Así que, no importa cómo decida nombrar el podcast para la temporada #3, cuando toque, tanto la intención de la primera temporada, como la de esta…seguirán presentes en la esencia del contenido.   Es 2026; Toca este año accionar de forma continua para lograr avanzar. Yo te comparto, en lo personal quiero multiplicar exponencialmente la audiencia de este podcast, quiero multiplicar el número de personas a las que les doy servicios en el área de sus finanzas personales, quiero impactarte positivamente y atraerte hacia mejores hábitos financieros.    Bueno y tomando en consideración que les hablo de mis experiencias, tengo que decir que yo tengo más de 30 años en la fuerza laboral, porque trabajé desde que estaba en escuela secundaria. Y una de las noticias de finanzas que inquietaba  a las personas como yo, que hemos trabajado por muuchos años, es cada vez que dicen que están subiendo la edad para recibir la seguridad social, o que ese fondo se está agotando.    Para los oyentes de países internacionales, les comento por encima, no soy experta en el tema y el website del SSA, realmente tiene toda la data si usted tiene más dudas sobre el tema, pero por encima, te cuento que que los residentes legales y personas con permiso para trabajar, que paguen durante su periodo activo esa partida de impuesto al SS, en su nómina, acumulamos unos créditos, por eso, tenemos la expectativa de que luego de los 62 ó 66 años de edad, pueda uno recibir una pensión en base a esos pagos que se hicieron previamente mientras se trabajó. Y este beneficio, tiene otras partidas para personas de bajos ingresos e incapacitados también. Pero se nutre de los que están en nómina o personas freelance que aporten por su cuenta a este fondo. La expectativa es que en edad de retiro, que está identificada como 62+ recibas la compensación.   Pues una de las cosas que sucede es que la edad, para calificar, siguen los titulares mencionando de que la siguen subiendo, y por otro lado mencionan que el fondo no tendrá fondos suficientes eventualmente.    Son noticias que muchas veces no son, digamos, 100% reales. A veces son solo propuestas, que luego en el congreso no tienen apoyo y nunca se convierten en ley. Sí, entiendo que puede haber déficits para pagar el beneficio, de unos años para acá, pero a lo que voy es que me luce que son más titulares, o sensacionalismo…, que leyes nuevas. La mayoría de las noticias giran en torno a recomendaciones o propuestas que luego en el senado estadounidense, no prosperan. Solo digo que hay que estar atentos.   Y me ocupo en comentarte esto, porque primero, no es para nada sano, preocuparte por algo que aún no ha ocurrido, y segundo que efectivo este mes de enero 2026, el gobierno aumentó el pago a los beneficiarios por concepto del alza en el costo de vida. ¿No crees tú, que si es un fondo que está en quiebra, supuestamente, van a seguir aumentando el beneficio, aunque sea una cantidad mínima? Si está pasando algo, no parece ser tan inminente   Pero tu, de todas maneras, ya trabajas en tus finanzas personales. Te haces cargo de tu futuro financiero, cierto? Eso significa que durante el 2025 comenzaste a saldar deudas y a ahorrar. También significa que acumulaste un fondo de emergencias que te cubre de 3 a 6 meses de tus gastos. Y que te colocas en una posición favorable para tener un plan de retiro individual que será tu respaldo cuando tengas tu mayoría de edad.   Si no encuentras que has llegado así de ready al 2026, ponte al dia, comienza desde hoy con tu plan, escucha los episodios anteriores y úsalos como referencia para entrar a la ruta de unas finanzas personales saludables.   Este año, se parte del pequeño grupo de personas que trabajan para mejorar cada día 1% a la vez, así que rodéate de campeones, de gente que lo da todo y logra cosas. Por aquí, te comparto mi sonrisa, un abrazo en la distancia, mis conocimientos y te acojo como miembro de esta comunidad de personas que quieren vivir mejor cada día. No olvides mirar los enlaces en las notas del episodio. Arrancó el 2026 lleno de energía y esperanza para expandir tus horizontes. ¡Hasta la próxima!   https://www.instagram.com/eligetranquilidad buscame por allí y sigue mi cuenta para tips y recordatorios referentes a estos temas. mabel.burgos@primerica.com www.instagram.com/eligetranquilidad www.instagram.com/hola.vidaenpositivo

Jim and Chris are joined by Jake to discuss listener questions on SSA-44 and IRMAA surcharges, inherited IRA spousal rollover rules, long-term care insurance benefit caps, and ACA tax credits. (4:45) George asks whether an unexpected W-2 stock option payout in 2025 could support filing SSA-44 to reduce 2027 IRMAA surcharges, especially if he stops consulting income afterward. (12:00) A listener asks whether SSA-44 can be used retroactively to request a refund of 2025 IRMAA surcharges after a job loss pushed MAGI below the threshold. (18:15) Georgette asks whether she can take withdrawals from her deceased spouse's inherited IRA without penalty and still later move the remaining balance into her own IRA. (28:00) The guys address why long-term care insurance policies often have a lifetime benefit cap and whether benefits can run out during an extended care event. (46:45) Chris and Jake cover whether long-term capital gains count toward the modified adjusted gross income used for ACA tax credits and can affect eligibility. The post IRMAA, Inherited IRA, LTC, ACA Tax Credits: Q&A #2602 appeared first on The Retirement and IRA Show.

Important Tax Considerations for Newlyweds Episode 365 – Have you gotten married recently? The next steps are considerably less exciting. There are some important financial steps you need to take. More SML Planning Minute Podcast Episodes Transcript of Podcast Episode 365 Hello, this is Bill Rainaldi, with another edition of Security Mutual's SML Planning Minute. In today's episode, some important tax considerations for newlyweds. So, congrats on your recent marriage. If you're like most people, your wedding probably involved a significant amount of planning and detail: where, when, who to invite, who not to invite, where to seat everybody, etc. You may be glad you to get through such an important life-changing event, and you're ready to move on with the rest of your life. But you're not done quite yet. There are a number of financial details you may need to address. Here are just a few of them: Name change. If there is a name change involved, you'll need to report it to the Social Security Administration (SSA). When you file your next tax return, the name on that return needs to match what the SSA has on file. The Internal Revenue Service, or IRS, recommends that you file a new Form SS-5, Application for a Social Security Card, which is available at SSA.gov.[1] Update your address. Make sure you let the IRS, the Postal Service, and your employer know about any address change. Coordinate your benefits. You might now have access to a better—or cheaper—health insurance plan.[2] You'll need to look things over with your new spouse. Decide on your new filing status. Once you're married, you can choose to file jointly or separately each year. While the IRS says that filing jointly is usually less expensive, they recommend that you calculate it both ways before you decide. Also, it doesn't really matter what day you got married. Even if it's on New Year's Eve, the rules state that for tax purposes, you're considered married for the entire year.[3] Married filing separately. Once they're married, few people elect to file their income taxes separately. This is because it usually results in the highest combined taxes. But some people do this anyway because the individual filing the return is the only one liable for any tax bills and errors on that return. It also happens when the two spouses decide, for whatever reason, that they would prefer to only be responsible for their own taxes.[4] Marriage penalty. The so-called “marriage penalty” occurs when a married couple ends up paying more income taxes than they would have had they remained single. This becomes more likely when both of you have high earnings and close to the same income. On the other hand, if you and your spouse are at different income levels, odds are that there will actually be a marriage bonus, that is, the tax on your joint income will be less than it would be had you filed separately.[5] Standard deduction. Nowadays, only about 10 percent of taxpayers itemize their deductions.[6] The rest use the standard deduction. For 2026, the standard deduction is $32,200 for married couples filing jointly, and $16,100 for single taxpayers. These figures were adjusted as part of the One Big Beautiful Bill passed in July of 2025. On some occasions, getting married can have an impact on whether you itemize or not. Previous debts. If your new spouse owes money for previous taxes or child support, any future joint tax refund could be reduced as a result.[7] Separate homes. If you own two separate houses, it's likely that you'll be selling one of them when you get married. And if you're selling at a gain, you may get extra benefits from being married. Once you're married, you get an addition to the amount of tax-free gain you can take. The amount is $250,000 for single taxpayers, but $500,000 for married taxpayers. The rules are a bit tricky, though, and you need to make sure you meet all the qualifications.[8] Beneficiary and Will Review. This one may or may not result in tax consequences, but it is important to note. When getting married, it's critical for each spouse to review any existing wills, plans or benefits (such as life insurance) that assigned a beneficiary or beneficiaries. Unless restricted by a court order, it's usually preferable for the new spouse to be assigned as beneficiary in each of those examples. So be sure not to overlook this step in the process and make any required changes when getting married. Getting married represents a big change for just about anybody, and not just in your personal life. Your financial life is also likely to be affected in a number of different ways. But as long as you know what to expect, the additional stress involved should be manageable. Let the fun begin! [1] Internal Revenue Service. “Newlyweds tax checklist.” IRS.gov. https://www.irs.gov/newsroom/newlyweds-tax-checklist (accessed December 4, 2025). [2] TurboTax Expert. “Getting Married: What Newlyweds Need to Know.” Intuit.com. https://turbotax.intuit.com/tax-tips/marriage/getting-married/L0DvEUlEC (accessed December 4, 2025). [3] Internal Revenue Service. “Essential tax tips for marriage status changes.” IRS.gov. https://www.irs.gov/newsroom/essential-tax-tips-for-marriage-status-changes#:~:text (accessed December 22, 2025) [4] Willetts, Jo. “Tax tips for newly married couples.” Jacksonhewitt.com. https://www.jacksonhewitt.com/tax-help/tax-tips-topics/family/tax-tips-for-newly-married-couples/ (accessed December 5, 2025). [5] Id. [6] Tax Policy Center. “What are itemized deductions and who claims them?” Taxpolicycenter.org.https://taxpolicycenter.org/briefing-book/what-are-itemized-deductions-and-who-claims-them (accessed December 4, 2025). [7] Manganaro, John. “9 Key Tax Considerations for Newlyweds.” ThinkAdvisor.com. https://www.thinkadvisor.com/2025/06/27/9-key-tax-considerations-for-newlyweds/ (accessed December 4, 2025). [8] TurboTax Expert. “Getting Married: What Newlyweds Need to Know.” Intuit.com. https://turbotax.intuit.com/tax-tips/marriage/getting-married/L0DvEUlEC (accessed December 4, 2025). More SML Planning Minute Podcast Episodes This podcast is brought to you by Security Mutual Life Insurance Company of New York, The Company That Cares®. The content provided is intended for educational and informational purposes only. Information is provided in good faith. However, the Company makes no representation or warranty of any kind regarding the accuracy, reliability, or completeness of the information. The information presented is designed to provide general information regarding the subject matter covered. It is not to serve as legal, tax or other financial advice related to individual situations, because each individual's legal, tax and financial situation is different. Specific advice needs to be tailored to your situation. Therefore, please consult with your own attorney, tax professional and/or other advisors regarding your specific situation. To help reach your goals, you need a skilled professional by your side. Contact your local Security Mutual life insurance advisor today. As part of the planning process, he or she will coordinate with your other advisors as needed to help you achieve your financial goals and objectives. For more information, visit us at SMLNY.com/SMLPodcast. If you've enjoyed this podcast, tell your friends about it. And be sure to give us a five-star review. And check us out on LinkedIn, YouTube and Twitter. Thanks for listening, and we'll talk to you next time. Tax laws are complex and subject to change. The information presented is based on current interpretation of the laws. Neither Security Mutual nor its agents are permitted to provide tax or legal advice. The applicability of any strategy discussed is dependent upon the particular facts and circumstances. Results may vary, and products and services discussed may not be appropriate for all situations. Each person's needs, objectives and financial circumstances are different, and must be reviewed and analyzed independently. We encourage individuals to seek personalized advice from a qualified Security Mutual life insurance advisor regarding their personal needs, objectives, and financial circumstances. Insurance products are issued by Security Mutual Life Insurance Company of New York, Binghamton, New York. Product availability and features may vary by state.​ SubscribeApple PodcastsSpotifyAndroidPandoraBlubrryby EmailTuneInDeezerRSSMore Subscribe Options

Jim and Chris discuss listener emails on Social Security filing timing and online claiming language, a listener PSA on IRMAA and the online SSA-44, ACA income planning before Medicare, an IRA to HSA transfer, and annuity income needs. (6:45) The guys address how to word an online Social Security application so the first check is paid for a specific month when claiming at age 70, and whether applying 2–3 months before the 70th birthday is the right approach. (14:00) A listener shares a PSA on filing SSA-44 online after retirement, including how IRMAA recalculations reflected estimated future-year income and how the resulting tier was communicated in the approval letter. (25:00) Jim and Chris discuss whether it makes sense, from a planner's perspective, to stop working and manage income in a way that keeps health insurance affordable until Medicare eligibility. (38:45) George asks about doing the once-in-a-lifetime tax-free IRA-to-HSA transfer, how the HSA testing period works, and whether it's worth doing before starting Medicare to reduce future RMDs. (49:00) A listener asks whether annuity income is still useful for covering a minimum dignity floor gap when assets are high and spending needs are modest, and how to think about guaranteed income given planned retirement timing and gifting goals. The post Social Security, IRMAA, ACA Planning, IRA to HSA Transfer, Annuities: Q&A #2552 appeared first on The Retirement and IRA Show.

Alcoholímetro deja más de 800 remitidos en el Torito en Navidad  Rusia critica presencia militar de EU en el Caribe  ¿Sabe por qué diciembre se llama así? Aquí te decimos  Más información en nuestro podcast

Welcome to "Memory Lane" where I share short clips and previous full episodes from the South Shore Ave Catalogue. Reminiscing from some of my favorite moments in SSA history. I'm sharing the full episode from the vault called "The Cord-Cutters Edition, Vol. 2." I was joined by DJ/Producer DJ Keo, Andrew Mambo (Producer of NPR's Sunday Story, and a host of the NPR App); and SSA Family Member Headley as we had a discussion about Cord-Cutting culture. We break down if Cord-Cutting is saving you money; if Netflix is in trouble; the success of Disney+ and if it's sustainable; looking at the where the future of cord-cutting is headed; and a lot more. (Originally released on December 18, 2019)   - Cal Cee   Guest DJ Keo – DJ/Music Producer   Andrew Mambo - Producer of NPR's Sunday Story, & Co-Host for the NPR App (formerly ESPN's 30 for 30 Podcast producer during the original recording)   Headley - SSA Family Member (Now & Forever); 2-Time All-Canadian Track Athlete @ Concordia; 2-Time All-American @ Lewis University; #RIPHeadley #BentNotBroken #HJB4EVA   

Chris's SummaryJim and I are joined by Jake Turner as we cover the Math Act and a set of shorter EDU topics Jim has been collecting. We start with an SSA-44 update, including listener and client feedback on submitting the IRMAA redetermination form online through an SSA.gov account. Jake explains how IRS “math error” notices work today, why they're often vague, and what the new law requires for clearer explanations and response deadlines. Jim then walks through the Automatic IRA Act's proposals, including an annuity-style “protected lifetime income solution” requirement over certain balances, and we close with a quick way to sanity-check MYGA rates using AnnuityRateWatch's yield curve. Jim's “Pithy” SummaryChris and I are joined by Jake Turner as we bounce from Social Security admin housekeeping to Washington trying, yet again, to make the IRS act like it's talking to actual humans—starting with the Math Act. If you've ever opened one of those IRS letters that basically says “you owe us money” without showing you how they got there, you already know why this matters. Jake lays out what those notices are really doing behind the scenes, why clients forward them to preparers in a panic, and what the new requirements are supposed to force the IRS to include so you can actually understand what they're alleging and what happens if you don't respond. Then we pivot into the Automatic IRA Act, and I'll be honest: I'm less interested in the political theater than I am in what it signals. There's the small-business auto-enrollment concept—opt-out, no match requirement, and all that—and then there's the part that made me laugh out loud when I saw who was cheering it on. Once you cross a certain 401(k) balance, the proposal would require employers to offer a “protected lifetime income solution,” which is just a polite way of saying “annuities are trying to get a bigger seat at the 401(k) table.” That opens up all the practical questions: what counts, who defines it, and how this intersects with the slow drift of defined contribution plans trying to behave a little more like pensions. The post Math Act and Automatic IRA Act: EDU #2551 appeared first on The Retirement and IRA Show.

The US and France held a joint orbital exercise as part of the Multinational Force Operation Olympic Defender. EraDrive has raised $5.3M in a seed round to scale the production of their space traffic management system. The US Department of State is seeking qualified individuals to participate as private sector advisors for a discussion group on space situational awareness (SSA), and more. Remember to leave us a 5-star rating and review in your favorite podcast app. Be sure to follow T-Minus on LinkedIn and Instagram. T-Minus Guest Our guest today is Trevor Smith, Co-founder and CEO of Atomic-6. Selected Reading France, US practice up-close satellite maneuvers under joint space war plan EraDrive CEO announcement Solicitation for Federal Register Notice 12609: Seeking Private Sector Participants for a Discussion Group on the UN Committee on the Peaceful Uses of Outer Space (UNCOPUOS) Expert Group on Space Situational Awareness - United States Department of State Vast Announces Call for Research Proposals Momentus Completes Key Milestone for Next Launch of Spacecraft with Customer Payloads Earth's atmosphere may help support human life on the moon Share your feedback. What do you think about T-Minus Space Daily? Please take a few minutes to share your thoughts with us by completing our brief listener survey. Thank you for helping us continue to improve our show.  Want to hear your company in the show? You too can reach the most influential leaders and operators in the industry. Here's our media kit. Contact us at space@n2k.com to request more info. Want to join us for an interview? Please send your pitch to space-editor@n2k.com and include your name, affiliation, and topic proposal. T-Minus is a production of N2K Networks, your source for strategic workforce intelligence. © N2K Networks, Inc. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this bonus episode of The Alan Sanders Show, we expose how Democrats released allegedly doctored photos from Jeffrey Epstein's estate featuring President Trump in a blatant political smear—cherry-picked and redacted to push a false narrative. We also break down the DOJ's bold lawsuit against Fulton County to force release of sealed 2020 election ballots, stubs, and envelopes for full transparency and integrity checks. Plus, shocking revelations from the latest GAO report on massive fraud in ACA marketplaces and SSA vulnerabilities, including billions in improper subsidies to fake enrollees. Don't miss this deep dive into election security and government waste! Please take a moment to rate and review the show and then share the episode on social media. You can find me on Facebook, X, Instagram, GETTR,  TRUTH Social and YouTube by searching for The Alan Sanders Show. And, consider becoming a sponsor of the show by visiting my Patreon page!

Marcha de la Generación Z recorrerá el centro de la CDMX Caen tres por robo a transportistas en el EdomexTiroteo deja al menos 10 muertos en playa de SídneyMás iformación en nuestro podcast

In this second Twisted Passions episode, the host tackles a loaded question: Is homosexuality worse than other sins? He explains why Scripture uses especially strong language about homosexuality in the Old Testament, but then emphasizes that the New Testament consistently places it in “lists of sins,” highlighting the gospel's equal sufficiency for all sinners. The episode closes with a pastoral plea: churches often speak against homosexuality from the pulpit, but rarely speak _to_those quietly struggling in the pew, and that gap must change.Topics DiscussedWhy the question “worse” can mean different things (degree of wickedness, path of deliverance, depth of impact)“Corruption” vs “perversion” framing (heterosexual sin vs homosexual sin)Old Testament “abomination” language and civil penalty context (Leviticus 18, 20)New Testament “sin lists” (Romans 1, 1 Corinthians 6, Revelation 21) and what that implies for how believers should think and ministerGospel-centered conclusion: the blood of Christ is sufficient for “all sin,” and the church should not treat people with SSA as a different class of sinnerPastoral application: preaching only to “defend a statement” can unintentionally build a barrier for strugglers; we need diligence, not toleranceKey Takeaways“Worse” has multiple layers: moral weight, deliverance process, and personal impact.The New Testament's emphasis is not ranking sin but spotlighting the gospel that rescues sinners.Churches should pair biblical clarity with real pastoral care for those in the congregation who are silently battling.Practical safeguards and wise boundaries are normal in discipleship for any besetting sin, and should not be treated as uniquely shameful here.Ready to download the Cord App? Find it here!Download the Satisfied Battle Plan or listen to the rest of the series here!Satisfied is a monthly program on the Thee Generation Podcast designed to offer practical tools based on biblical principles so that anyone can experience full purity and lead others to do the same. To ask questions or share testimonies, send an email to satisfied@theegeneration.org. If you've been encouraged by this podcast, please take the time to give us a five-star rating and write a brief review. That would help tremendously in getting the word out and raising the visibility of the Thee Generation for others. For more faith inspiring resources and information about joining Thee Generation, please visit theegeneration.org.

INE pospone propuesta de reforma electoral hasta enero Brugada entrega cobijas y comida a peregrinosPutin reafirma respaldo a Maduro  Más información en nuestro podcast

In this episode, Dr Elle Wadsworth talks to Dr Emmert Roberts, Senior Clinical Lecturer at the National Addiction Centre, King's College London and a Consultant Addiction Psychiatrist at the South London and the Maudsley NHS Foundation Trust. The interview covers Emmert's short report examining the characteristics of drug-related deaths among individuals identified as LGBTQ+ in the United Kingdom, 1997–2024.LGBTQ+ stands for Lesbian, Gay, Bisexual, Trans, Queer and others. The importance of examining drug-related deaths among those in the LGBTQ+ community [01:31]The use of the National Program on Substance Use Mortality database [04:00]The main findings of the study [05:05] The types of drugs used in sexualised and non-sexualised drug use [08:31]The limitations of the reporting of sexual orientation or trans status in coroner data [10:18]Improving the reporting of sexual orientation and trans status in coroner data [13:02]The implications of the findings for policy and practice [16:04]A sneak preview of findings from Emmert's other paper in Addiction on methamphetamine-related deaths [17:07]The findings that were surprising to Emmert [18:59]About Elle Wadsworth: Elle is an academic fellow with the Society for the Study of Addiction. She is based at the University of Bath with the Addiction and Mental Health Group and her research interests include drug policy, cannabis legalisation, and public health. About Emmert Roberts: Emmert is a Senior Clinical Lecturer at the National Addiction Centre, King's College London and a Consultant Addiction Psychiatrist at the South London and the Maudsley NHS Foundation Trust. He is a National Institute of Health and Care Research (NIHR) Advanced Fellow, a Senior Harkness Fellow at the Commonwealth Fund and the Clinical Lead of the National Program on Substance Use Mortality (NPSUM).Authors have no conflicts of interest to declare.Original article: Characteristics of drug-related deaths among individuals identified as LGBTQ+ in the United Kingdom, 1997–2024 https://doi.org/10.1111/add.70198 The opinions expressed in this podcast reflect the views of the host and interviewees and do not necessarily represent the opinions or official positions of the SSA or Addiction journal.The SSA does not endorse or guarantee the accuracy of the information in external sources or links and accepts no responsibility or liability for any consequences arising from the use of such information. Hosted on Acast. See acast.com/privacy for more information.

Owners fixate on the purchase price of their exit, but the bigger loss to long-term income can come from how Social Security is handled. Get it wrong, and you can quietly lose six figures. Thomas Drapala, Director of Strategic Partnerships at Registered Social Security Analysts (RSSA), explains why 96% of Americans leave money on the table when they treat Social Security as an afterthought. Drawing from his client work, he discusses how self-employment tax, entity structure, and "reasonable compensation" influence Social Security benefits. Thomas also walks through how RSSA's analysis helps owners save thousands of dollars a year in taxes, protect future benefits, and make Social Security a strategic part of their exit plan so it isn't ignored.   In this episode, you will: Understand why every owner should check their SSA earnings record and run an independent analysis before selling Learn what younger owners should do now to avoid losing benefits later See how RSSA analysis ties Social Security into your full exit and retirement plan   Highlights: (00:00) Meet Thomas Drapala (01:42) The shocking statistics on Social Security optimization (03:32) Understanding Social Security rules and benefits (05:49) Strategies for business owners to maximize Social Security (13:37) Case study: The bagel store owner's Social Security optimization (16:52) When it makes sense to bring in a Social Security expert (24:12) How a full Social Security review is done   Follow Thomas: Connect on LinkedIn: https://www.linkedin.com/in/thomas-drapala-rssa%C2%AE-878611207/  Email: thomas.drapala@rssa.com  Learn more about Registered Social Security Analysts: https://rssa.com/    Follow Ed: Connect on LinkedIn: https://www.linkedin.com/in/edmysogland/ Instagram: https://www.instagram.com/defendersofbusinessvalue/ Facebook: https://www.facebook.com/bvdefenders

Detienen a operador financiero de grupo criminal en Durango Protestan en Oslo por Nobel de la Paz a María Corina MachadoMás información en nuestro podcast

Is space crowded? Although there's been such a large increase in satellites in orbit, it's not a simple question. On Orbit revisits the question with Chiara Manfletti, CEO of Portugal-based space traffic management company Neuraspace. Chiara emphasizes the need for better coordination on space situational awareness (SSA) and space traffic management (STM) and the evolving landscape of standards and regulations.  This episode also covers how nations have taken a greater interest in working with commercial operators for SSA capabilities, and why strong SSA is critical for ensuring peace as space becomes more contested. 

México ha entregado más agua a EU: Sheinbaum  En la CDMX detienen al presunto asesino de regidor de Reynosa  Maduro tiene los días contados: TrumpMás información en uestro podcast

In this episode, Dr Elle Wadsworth talks to Dr Myfanwy Graham, a Postgraduate Scholar at Monash University funded by the Australian Government's National Health and Medical Research Council. The interview covers Myfanwy's data insight paper examining differences in the measurement of medical cannabis use. Why definitions and contexts matter with regards to medical cannabis use [01:05]Four measures of medical cannabis use that Myfanwy explored in the study [02:05]The medical cannabis policy contexts of the US, Australia, and Canada [03:30]The importance of using standardised questions across different countries [05:18]The main findings of the data insight [05:48]Interpretations of medical cannabis use [07:49]The implications of the findings for policy and practice [08:23]Myfanwy's preferred measure of medical cannabis use [09:30]Self perceptions of being a medical cannabis consumer [10:34]The take-home messages of the study [11:56]About Elle Wadsworth: Elle is an academic fellow with the Society for the Study of Addiction. She is based at the University of Bath with the Addiction and Mental Health Group and her research interests include drug policy, cannabis legalisation, and public health.About Myfanwy Graham: Myfanwy is a Postgraduate Scholar funded by the Australian Government's National Health and Medical Research Council and a Monash Research Excellence Scholar at the Monash Addiction Research Centre, Monash University. Her research examines the intersection between drug policy and health outcomes with psychoactive medicines (e.g. medical cannabis, psychedelics). She is also a current Fellow at the Schaeffer Center for Health Policy and Economics at the University of Southern California and is a Fulbright Scholar Alumna in public health policy. Myfanwy has completed consultancy work for the Australian Government Department of Health, Disability and Ageing, World Health Organization, the United Nations Office on Drugs and Crime and the National Academies of Sciences, Engineering, and Medicine. She is also a registered pharmacist.Authors have no conflicts of interest to declare.Original article: Understanding medical cannabis use internationally: Why definitions and context matter https://doi.org/10.1111/add.70117The opinions expressed in this podcast reflect the views of the host and interviewees and do not necessarily represent the opinions or official positions of the SSA or Addiction journal.The SSA does not endorse or guarantee the accuracy of the information in external sources or links and accepts no responsibility or liability for any consequences arising from the use of such information. Hosted on Acast. See acast.com/privacy for more information.

Jim and Chris discuss listener questions on IRMAA brackets and several QLAC topics including RMD interaction, suitability, payout values, and purchase timing. (19:30) A listener wonders if their lower 2024 income will automatically reduce their 2026 IRMAA even though it doesn't qualify for an SS-44, or if they must contact the SSA.(25:15) George asks whether going above certain income thresholds in 2025 could keep IRMAA lower in 2027 because of inflation adjustments.(34:30) The guys weigh whether QLAC income, once it begins, can offset RMDs on other IRA holdings.(54:00) Georgette wants to know who is a good candidate for a QLAC, how it is purchased, and which features to consider.(1:05:00) A listener seeks guidance on determining early- and late-start payout values for a QLAC and whether those values are fixed or variable.(1:10:15) Jim and Chris consider whether buying a QLAC earlier leads to higher payments at the same deferral age and what factors affect purchase timing. The post IRMAA Brackets and QLACs: Q&A #2548 appeared first on The Retirement and IRA Show.

In this episode, we interview Paul Morrison, an IRMAA-certified planner from Lincoln, Nebraska. They discuss the impact of IRMAA (Income Related Monthly Adjustment Amount) on retirees' Medicare premiums and Social Security benefits, highlighting how rising taxable income can trigger higher costs. Paul explains the complexities of IRMAA, the importance of proactive tax planning, and strategies like Roth conversions to minimize surcharges. The conversation also covers Medicare Advantage, the “widow's penalty,” and the need for better financial education. The episode blends personal stories with practical advice for navigating retirement's hidden tax challenges.(03:25) – From College Athletes to Retirees(04:10) – What Is IRMAA?(06:00) – The Tax Trigger(10:20) – How the Brackets Are Set(13:40) – Tax Planning & the SSA-44 Form(19:45) – Medicare Advantage & IRMAA(23:15) – Strategies to Reduce IRMAA(25:55) – The Widow's Penalty(29:06) - Long-Term Care, RMDs, and IRMA(31:21) - IRMA Certification Details(34:57) - Roth Conversions and Standard DeductionNEWSLETTER (WHAT NOW): https://substack.com/@9icapital?r=2eig6s&utm_campaign=profile&utm_medium=profile-pageFollow Us: youtube: / @9icapLinkedin: / kevin-thompson-ricp%c2%ae-cfp%c2%ae-74964428facebook: / mlb2cfpBuy MLB2CFP Here: https://www.amazon.com/MLB-CFP%C2%AE-90-Feet-Counting-ebook/dp/B0BLJPYNS4Website: http://www.9icapitalgroup.comHit the subscribe button to get new content notifications.Corrections: Editing by http://SwoleNerdProductions.comDisclosure: https://sites.google.com/view/9idisclosure/disclosure

UNAM destaca en 19 áreas del ranking Shanghái  TIC, Medicina e Ingeniería las carreras mejor pagadas: IMCO  Bombardeo israelí en Beirut deja un muerto y 21 heridos  Más información en nuestro podcast

The Friday Five for November 21, 2025: Update on Telehealth Prescription Flexibilities Google Calendar Tasks Feature Medigap F, G & J Deductibles for 2026 Medigap K & L Out-of-Pocket Limits for 2026 Medicare Part A & B Premiums & Deductibles + MA, MAPD & Medicare Part D Premium Projections   Get Connected:

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

La SSA reporta un aumento del 17% en casos de sífilis en México  Se esperan chubascos en el Edomex y lluvias aisladas en la CDMXLa red social X reportó fallas a nivel mundialMás información en nuestro podcast

De 12 a 36 horas de arresto inconmutable a quien conduzca bajo los efectos del alcohol en el Edomex La SSA presentó dos mascotas oficiales de la salud que acompañarán las celebraciones del Mundial 2026 en MéxicoLa justicia argentina destituyó a la jueza Julieta Makintach del caso MaradonaMás información en uestro podcast

Baja temperatura activa Alerta Amarilla en CDMX  Anuncian planta procesadora de chocolate en ComalcalcoEU destruye embarcación con presuntos narcoterroristas en el Pacífico  Más información en nuestro Podcast

Capufe despliega operativo por fin de semana largo Consumo privado muestra ligera recuperación de 0.1%: InegiRDC y rebeldes del M23 firman acuerdo rumbo a un pacto de paz Más información en nuestro podcast

Welcome to "Memory Lane" where I share short clips and previous full episodes from the South Shore Ave Catalogue. Reminiscing from some of my favorite moments in SSA history. I'm sharing the full episode of a classic interview which was released on Jan 3, 2020. Originally titled "#TheStoop EXCLUSIVE: An Alison Hinds Interview", I had the opportunity to have a fun convo with a Soca Icon & the Queen herself. We discussed the beginnings of her career, how Faluma unexpectedly exploded on the scene, the pressures of coming up with a big hit after the success of Raggamuffin, and so much more. So we're breaking out one of the classics for your ears. Please enjoy.    - Cal Cee   Guest Alison Hinds - Soca Legend. Simple & plain. 

Claire de Mézerville López welcomes Marin Broadbent-Bell, alumni coordinator at Community Matters, to the Restorative Works! Podcast for this special series titled Matters that Restore Community in partnership with Community Matters. Community Matters is an internationally recognized, innovative, and thought-leading organization committed to improving the social-emotional climate of schools and communities. Founded in 1996, Community Matters has evolved from its roots in youth development and bullying prevention to become a respected provider of training, consulting, and programs delivered through its whole school climate framework. Community Matters has empowered more than 170,000 students and served over 2,100 schools across 42 states, the District of Columbia, as well as Guam, Paraguay, Japan, Puerto Rico, and Canada. Marin shares his story, beginning in sixth grade when he joined the Safe School Ambassadors (SSA) program, a student-led initiative that empowers young people to prevent mistreatment and promote belonging. Nearly a decade later, Marin walks us through how the skills he learned as a middle schooler continue to guide his life and leadership today. Through personal stories and reflection, Marin explores what it means to "start with ourselves" when creating safer communities. He recalls transformative moments from the SSA training that reveal the shared humanity behind every story. With over nine years of experience with Community Matters, Marin began his journey as a Safe School Ambassador in 6th grade, demonstrating a deep commitment to fostering positive school climates from a young age. Following high school, he completed two internships with the organization, gaining hands-on experience in program development before stepping into his current role. Driven by a passion for community building and meaningful connection. Marin continues to dedicate his work to creating safer, more inclusive environments in schools and beyond. Tune in to learn more about Community Matters and consider that the seeds we plant in youth grow into the roots of resilient, compassionate communities. After the interview, stay tuned to hear from current and former Safe School Ambassadors as they reflect on their experience!

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

In this episode of The CX Tipping Point Podcast, Martha Dorris sits down with Frank Bisignano, Commissioner of the Social Security Administration (SSA) and newly appointed Chief Executive Officer of the Internal Revenue Service (IRS).Commissioner Bisignano shares his remarkable career journey, from leading major financial institutions to overseeing operations during the 9/11 attacks, and how those experiences shaped his approach to public service. In his new dual roles at SSA and the IRS, he underscores his commitment to modernization, technology, and customer experience, focusing on how to effectively lead two of the largest organizations that touch nearly every American.Throughout the conversation, he discusses his management philosophy, the importance of technology as an enabler, and his dedication to employee growth and development. He also reflects on his recent letter marking the 90th anniversary of the SSA, highlighting the agency's modernization priorities and renewed focus on serving the public.The discussion explores the Digital First agenda at SSA, which aims to enable 200 million Americans to transact digitally, while still ensuring that services remain accessible by phone and through field offices for those who need them.Tune in to hear more about:His perspective on the depth and diversity of SSA's customersHow he measures success in modern government service deliveryKey improvements and successes already underway at SSAIt was an honor to speak with Commissioner Bisignano, stay tuned, he's already requested a follow-up conversation in six months!Thank you for listening to this episode of The CX Tipping Point Podcast! If you enjoyed it, please consider subscribing, rating, and leaving a review on your favorite podcast platform. Your support helps us reach more listeners! Stay Connected: Follow us on social media: LinkedIn: @DorrisConsultingInternational Twitter: @DorrisConsultng Facebook: @DCInternational Resources Mentioned: Citizen Services Newsletter 2024 Service to the Citizen Awards Nomination Form

Puebla suspende clases en más de 14 mil escuelas por frío  Abre sus puertas Mega Centro de Vacunación en el Estadio Olímpico Universitario  Advierte el papa León XIV sobre el uso antihumano de la IA  Más información en nuestro podcast

Ryan launches a multi-part series, Twisted Passions, addressing homosexuality and same-sex attraction from a biblical framework. He establishes why pastors should clearly preach what Scripture says while also equipping the church to counsel and care for strugglers, and he outlines upcoming topics: Is this sin “different,” are people “born this way,” and how do we raise kids in a sexualized culture? The aim is clarity, compassion, and confident hope in Christ for real victory.Topics DiscussedWhy churches must preach plainly on homosexuality (OT & NT texts)Common progressive rebuttals and why they don't hold up biblically (e.g., “love = affirmation,” misuse of John 8)Word study: ἀρσενοκοίτης and Paul's clarity in 1 Cor 6 / 1 Tim 1Beyond the pulpit: moving from denunciation to discipleship and counseling in the local churchShepherding kids in a perverted culture; building a proactive family planInviting listener questions/testimonies for future episodesKey TakeawaysScripture speaks clearly; pastors should, too—without hatred or compromise.“Love the sinner; hate the sin” isn't a cliché—Jesus says, “Go and sin no more.”Paul's terminology intentionally names male-with-male practice; it isn't vague.Churches must pair clear preaching with hands-on help for real people.Parents need an intentional, early plan to disciple children amid cultural lies.Ready to download the Cord App? Find it here!Download the Satisfied Battle Plan or listen to the rest of the series here!Satisfied is a monthly program on the Thee Generation Podcast designed to offer practical tools based on biblical principles so that anyone can experience full purity and lead others to do the same. To ask questions or share testimonies, send an email to satisfied@theegeneration.org.   If you've been encouraged by this podcast, please take the time to give us a five-star rating and write a brief review. That would help tremendously in getting the word out and raising the visibility of the Thee Generation for others. For more faith inspiring resources and information about joining Thee Generation, please visit theegeneration.org.

Every Medicare client has their own unique situation and needs. Learn how to best assist them with 5 more insurance sales scenarios!   Read the text version   Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.   Resources: 3 Essential Steps New Insurance Agents Need to Take 4 Ancillary Cross-Sales to Show Clients You Care 4 Out-Of-the-Box Long-Term Care Insurance Solutions 5 Must-Haves for Every Agent This AEP 5 Real-Life Medicare Sales Scenarios & How to Handle Them Agent Survival Guide Podcast Do's and Don'ts of Medicare Compliance How to Prepare for AEP like a Pro How VA Benefits Work with Medicare Life Insurance for Each of Life's Stages Meet Your Ritter Sales Team Rules for Hosting a Compliant Medicare Educational Event Rules for Hosting a Compliant Medicare Sales Event Surviving AEP Resources The Survivor's AEP Checklist The Complete Guide on How to Sell Final Expense Insurance FREE eBook DOWNLOAD Your Clients May Not Be Automatically Enrolled in Medicare   References: “Agent of Record.” Insuranceopedia, 14 Jan. 2025, https://www.insuranceopedia.com/definition/674/agent-of-record.  “Avoid Late Enrollment Penalties.” Medicare, https://www.medicare.gov/basics/costs/medicare-costs/avoid-penalties. Accessed 1 Oct. 2025. “Cobra and Medicare Coordination.” Medicare Interactive, 31 Mar. 2025, https://www.medicareinteractive.org/understanding-medicare/coordinating-medicare-with-other-insurance/cobra-and-medicare/cobra-and-medicare-coordination. “How Medicare Works with Other Insurance.” Medicare, https://www.medicare.gov/health-drug-plans/coordination. Accessed 1 Oct. 2025. “Job-Based Insurance When You Are Disabled.” Medicare Interactive, 23 Mar. 2025, https://www.medicareinteractive.org/understanding-medicare/coordinating-medicare-with-other-insurance/job-based-insurance-and-medicare/job-based-insurance-when-you-are-disabled. “Medicare Information.” SSA, https://www.ssa.gov/disabilityresearch/wi/medicare.htm. Accessed 1 Oct. 2025. “Tricare for Life (Tfl) Basics.” Medicare Interactive, 23 Mar. 2025, https://www.medicareinteractive.org/understanding-medicare/coordinating-medicare-with-other-insurance/military-retiree-insurance-and-medicare/tricare-for-life-tfl-basics.   Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance     Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/   Not affiliated with or endorsed by Medicare or any government agency.

Retirement planning is an ever-evolving process, and staying informed about changes to Social Security, Medicare, and tax limits is crucial to making the most of your golden years. On this episode of Retire with Ryan, I'm sharing important updates on the 2026 Social Security cost of living adjustment (COLA), projected changes to Medicare Part B premiums, and strategies for managing income in retirement.  The newly announced cost-of-living adjustment (COLA) for 2026 will see benefit checks rise by 2.8%. I break down how the yearly adjustments are calculated, why they matter for seniors, and the impact of inflation on Social Security. I also discuss the expected jump in Medicare Part B premiums, what IRMAA means for higher-income retirees, and important changes to the Social Security wage base and retirement earnings limits.  Whether you're thinking about when to start your benefits or you want to strategize your retirement income, this episode will give you practical tips and resources to help you make the most of your retirement planning.  You will want to hear this episode if you are interested in... [00:00] Social Security cost-of-living adjustment (COLA). [02:54] COLA trends and historical adjustments. [04:48] Social Security benefit updates. [10:56] Social Security earnings limit explained. [11:56] Social Security and Medicare updates. What to Expect from Social Security COLA for 2026 After a brief delay caused by a government shutdown, the Social Security Administration (SSA) announced that benefit checks will rise by 2.8% beginning January 2026. This increase is slightly higher than last year's 2.5% and a bit less than the 2024 bump of 3.2%. While not the largest adjustment in history, any increase helps seniors keep pace with the rising costs of essentials like groceries, taxes, and insurance. How is COLA Calculated? SSA bases COLA changes on the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W), specifically by comparing the average index for each month in the third quarter of one year to the same period in the previous year. Since 1972, this approach has pegged benefit adjustments to actual inflation, providing a more predictable and timely increase for beneficiaries. Beneficiaries will receive details about their new benefit amounts in early December. Medicare Part B Premiums The base premium for Medicare Part B is predicted to rise from $185 to approximately $206.50 per month in 2026, a significant increase of roughly 11.6%. Final figures will be released later, but even preliminary estimates suggest a noticeable impact, especially for fixed-income retirees. Income Related Monthly Adjustment Amount (IRMAA) may add further costs to your Medicare premiums if your income exceeds certain thresholds. For 2026, your IRMAA status will be determined by your 2024 tax return, due to a two-year lag in income reporting. Higher earners could see premiums up to $443.90 per month, so it's critical to strategize IRA distributions and capital gains to avoid unnecessary surcharges. If your financial situation changes, such as a recent retirement, you may appeal IRMAA charges using Form SSA-44. Ryan Morrissey recommends reviewing prior episodes and his blog for more on appealing IRMAA. Social Security Taxes and Retirement Income Limits The maximum wage base for Social Security taxes will jump to $184,500 in 2026 (up from $176,100), meaning any income above this threshold won't be subject to Social Security tax.  Retirees collecting Social Security before full retirement age must monitor their earned income. For 2026, the limit rises to $24,480. Earnings above this cut-off will reduce your Social Security benefit by $1 for every $2 earned. Once you reach your full retirement year, the earnings limit increases sharply to $65,160, and after your birthday, there's no limit. The latest updates to Social Security and Medicare reflect ongoing efforts to help retirees keep pace with inflation and evolving economic conditions. Successful retirement isn't just about knowing the numbers, it's about strategizing your income to minimize taxes, avoid excess premiums, and maximize your benefits.  Resources Mentioned Retirement Readiness Review Subscribe to the Retire with Ryan YouTube Channel Download my entire book for FREE Connect With Morrissey Wealth Management  www.MorrisseyWealthManagement.com/contact   Subscribe to Retire With Ryan

A foreign threat actor breached a key U.S. nuclear weapons manufacturing site. The cyberattack on Jaguar Land Rover is the most financially damaging cyber incident in UK history. A new report from Microsoft' warns that AI is reshaping cybersecurity at an unprecedented pace. The ToolShell vulnerability fuels Chinese cyber operations across four continents. Fake browser updates are spreading RansomHub, LockBit, and data-stealing malware. Hackers deface LA Metro bus stop displays. A Spyware developer is warned by Apple of a mercenary spyware attack. Pwn2Own payouts proceed. Ben Yelin from University of Maryland Center for Cyber Health and Hazard Strategies on a Federal Whistle Blower from the SSA. When the cloud goes down, beds heat up.  Remember to leave us a 5-star rating and review in your favorite podcast app. Miss an episode? Sign-up for our daily intelligence roundup, Daily Briefing, and you'll never miss a beat. And be sure to follow CyberWire Daily on LinkedIn. CyberWire Guest Today we are joined by Ben Yelin from University of Maryland Center for Cyber Health and Hazard Strategies on a Federal Whistle Blower from the SSA. If you enjoyed Ben's conversation, be sure to check out more from him over on the Caveat Podcast. 2025 Microsoft Digital Defense Report To learn more about the 2025 Microsoft Digital Defense Report, join our partners on The Microsoft Threat Intelligence Podcast. On today's episode, host Sherrod DeGrippo is joined by Chloé Messdaghi and Crane Hassold to unpack the key findings of the 2025 Microsoft Digital Defense Report; a comprehensive look at how the cyber threat landscape is accelerating through AI, automation, and industrialized criminal networks. You can listen to new episodes of The Microsoft Threat Intelligence Podcast every other Wednesday on your favorite podcast app. Selected Reading Foreign hackers breached a US nuclear weapons plant via SharePoint flaws (CSO Online) JLR hack is costliest cyber attack in UK history, say analysts (BBC) Microsoft 2025 digital defense report flags rising AI-driven threats, forces rethink of traditional defenses (Industrial Cyber) The New Frontlines of Cybersecurity: Lessons from the 2025 Digital Defense Report (The Microsoft Threat Intelligence Podcast)   Sharepoint ToolShell attacks targeted orgs across four continents (Bleeping Computer) SocGholish Malware Using Compromised Sites to gDeliver Ransomware (Hackread) LA Metro digital signs taken over by hackers (KTLA) Apple alerts exploit developer that his iPhone was targeted with government spyware (TechCrunch) Hackers Earn Over $520,000 on First Day of Pwn2Own Ireland 2025 (SecurityWeek) AWS crash causes $2,000 Smart Beds to overheat and get stuck upright (Dexerto) Share your feedback. What do you think about CyberWire Daily? Please take a few minutes to share your thoughts with us by completing our brief listener survey. Thank you for helping us continue to improve our show. Want to hear your company in the show? N2K CyberWire helps you reach the industry's most influential leaders and operators, while building visibility, authority, and connectivity across the cybersecurity community. Learn more at sponsor.thecyberwire.com. The CyberWire is a production of N2K Networks, your source for strategic workforce intelligence. © N2K Networks, Inc. Learn more about your ad choices. Visit megaphone.fm/adchoices

Three Choices, S. Michael Wilcox, Ph D. ACU Sunday Series Watch this speech at- https://youtu.be/oYrQ0lntsCo?si=yMyvVTf1DKR0sr59 North Star International 3.84K subscribers 1,405 views May 21, 2025 SALT LAKE CITY For all my life I have been presented with the multiple challenges experienced by families and individuals who wrestle with SSA as my father was gay. He made three critical choices during his life that impacted his and our family's lives. It is my hope that our story will connect and give comfort to, hope, and encouragement to all. -------------------------------------------------------------------------------   For over 10 ACU shows from our archives on the Atonement of Jesus Christ visit- https://acupodcast.podbean.com/?s=atonement   From ACU- For Come Follow Me lesson manual and materials visit- Come, Follow Me For Individuals and Families: New Testament 2023 https://www.churchofjesuschrist.org/study/manual/come-follow-me-for-individuals-and-families-new-testament-2023?lang=eng   For a list of 100+ episodes of ACU Sunday Series visit- https://www.podbean.com/site/search/index?kdsowie31j4k1jlf913=85cb8104bdb182c048b714ad4385f9e82a3aeb49&v=ACU+Sunday+Series+ Note- Click on “100 Episodes Found” in upper right corner.   For many different Podcasts based on the ‘Come Follow Me' program visit- https://www.youtube.com/results?search_query=come+follow+me+   Subscribe to The Church of Jesus Christ of Latter-day Saints for the latest videos: http://bit.ly/1M0iPwY Facebook: https://www.facebook.com/churchofjesu... Twitter: @Ch_JesusChrist Instagram: https://www.instagram.com/ChurchOfJes... Website: ChurchOfJesusChrist.org The Church of Jesus Christ of Latter-day Saints   BYUEducationWeek Get a Free Book of Mormon | ComeUntoChrist Church of Jesus Christ https://www.churchofjesuschrist.org › requests › free-...   The Book of Mormon brings you closer to Jesus. Click to download a free digital copy of the Book of Mormon and learn about it with online missionaries.   -------------------------------------------------------------------------- For the Strength of Youth To help you find the Way and to help you make Christ's doctrine the guiding influence in your life, The Church of Jesus Christ of Latter-day Saints has prepared a new resource, a revised version of For the Strength of Youth.   For over 50 years, For the Strength of Youth has been a guide for generations of Latter-day Saint youth. I always keep a copy in my pocket, and I share it with people who are curious about our standards. It has been updated and refreshed to better cope with the challenges and temptations of our day. The new version of For the Strength of Youth is available online in 50 different languages and will also be available in print. It will be a significant help for making choices in your life. Please embrace it as your own and share it with your friends. This new version of For the Strength of Youth is subtitled A Guide for Making Choices. To be very clear, the best guide you can possibly have for making choices is Jesus Christ. Jesus Christ is the strength of youth. So the purpose of For the Strength of Youth is to point you to Him. It teaches you eternal truths of His restored gospel—truths about who you are, who He is, and what you can accomplish with His strength. It teaches you how to make righteous choices based on those eternal truths.13 It's also important to know what For the Strength of Youth does not do. It doesn't make decisions for you. It doesn't give you a “yes” or “no” about every choice you might ever face. For the Strength of Youth focuses on the foundation for your choices. It focuses on values, principles, and doctrine instead of every specific behavior. The Lord, through His prophets, has always been guiding us in that direction. He is pleading with us to “increase [our] spiritual capacity to receive revelation.”14 He is inviting us to “hear Him.”15 He is calling us to follow Him in higher and holier ways.16 And we are learning in a similar way every week in Come, Follow Me.   American Conservative University Podcast (ACU) is not an official representative for The Church of Jesus Christ of Latter-Day Saints. All opinions, selections and commentary are solely those of ACU.  We post a variety of selections from various Christian denominations.   ACU Endorsed Charities -------------------------------------------------------- Pre-Born! Saving babies and Souls. https://preborn.org/ OUR MISSION To glorify Jesus Christ by leading and equipping pregnancy clinics to save more babies and souls. WHAT WE DO Pre-Born! partners with life-affirming pregnancy clinics all across the nation. We are designed to strategically impact the abortion industry through the following initiatives:… -------------------------------------------------------- Help CSI Stamp Out Slavery In Sudan Join us in our effort to free over 350 slaves. Listeners to the Eric Metaxas Show will remember our annual effort to free Christians who have been enslaved for simply acknowledging Jesus Christ as their Savior. As we celebrate the birth of Christ this Christmas, join us in giving new life to brothers and sisters in Sudan who have enslaved as a result of their faith. https://csi-usa.org/metaxas   https://csi-usa.org/slavery/   Typical Aid for the Enslaved A ration of sorghum, a local nutrient-rich staple food A dairy goat A “Sack of Hope,” a survival kit containing essential items such as tarp for shelter, a cooking pan, a water canister, a mosquito net, a blanket, a handheld sickle, and fishing hooks. Release celebrations include prayer and gathering for a meal, and medical care for those in need. The CSI team provides comfort, encouragement, and a shoulder to lean on while they tell their stories and begin their new lives. Thank you for your compassion  Giving the Gift of Freedom and Hope to the Enslaved South Sudanese -------------------------------------------------------- Food For The Poor https://foodforthepoor.org/ Help us serve the poorest of the poor Food For The Poor began in 1982 in Jamaica. Today, our interdenominational Christian ministry serves the poor in primarily 17 countries throughout the Caribbean and Latin America. Thanks to our faithful donors, we are able to provide food, housing, healthcare, education, fresh water, emergency relief, micro-enterprise solutions and much more. We are proud to have fed millions of people and provided more than 15.7 billion dollars in aid. Our faith inspires us to be an organization built on compassion, and motivated by love. Our mission is to bring relief to the poorest of the poor in the countries where we serve. We strive to reflect God's unconditional love. It's a sacrificial love that embraces all people regardless of race or religion. We believe that we can show His love by serving the “least of these” on this earth as Christ challenged us to do in Matthew 25. We pray that by God's grace, and with your support, we can continue to bring relief to the suffering and hope to the hopeless. --------------------------------------------------------

Jim and Chris discuss a listener PSA on estimating early retirement benefits, followed by questions on Social Security benefit calculations and reductions, HSA held annuities, and IRA annuity pro rata rule application.(14:45) George shares a PSA explaining how to input future earnings on the SSA site to better estimate early retirement benefits.(25:15) A listener asks […] The post Social Security, HSA Held Annuities, IRA Annuities: Q&A #2541 appeared first on The Retirement and IRA Show.

Watch The X22 Report On Video No videos found (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:17532056201798502,size:[0, 0],id:"ld-9437-3289"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs");pt> Click On Picture To See Larger PictureThe EU is experiencing inflation, layoffs and construction is shrinking, the fake news is trying to make it seem like everything is fine. Trump is now placing tariffs on trucks starting Nov 1.Oil will be dropping.Inflation holding steady for the holidays. New position created in the IRS, restructuring coming. Our Founding Fathers warned us. The [DS]/Swamp is fighting back. They are now in the process of forming an insurrection against the US. The enemy is doing what they do best, never interfere with the enemy while they are in the process of destroying themselves. Trump is bring them down the path to destruction. The people are behind him. It had to be this way.   Economy Eurozone Construction Keeps Shrinking As Orders And Jobs Fall Construction activity, new orders, and jobs in France and Germany took another hit in September, while Italy stood out with rare gains—but cost pressures and weak demand still weigh heavily across the region.   Construction activity across the eurozone slumped again last month, with the HCOB Construction PMI falling to 46.0—showing continued declines in major markets like France and Germany, even though Italy bucked the trend with rare growth. What does this mean? Eurozone builders are having a rough ride. September saw new orders tumble in both France and Germany, dragging down residential and commercial construction to their lowest points in months. Layoffs are picking up in these countries as firms react to thin pipelines and soft demand. On Source:  finimize.com  (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:18510697282300316,size:[0, 0],id:"ld-8599-9832"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs");    https://twitter.com/SecScottBessent/status/1975185265283981527   of driving growth and efficiency in the private and now public sector. Under his leadership at SSA delivering on President Trump's agenda, he has already made important and substantial progress. We are pleased that he will bring this expertise to the IRS as we sharpen our focus on collections, privacy, and customer service in order to deliver better outcomes for hardworking Americans.   The IRS was created in 1913 to go right along with the creation of the Federal Reserve.  We are borrowing a private corporation currency, since we are borrowing it there is interest attached to it. How do you collect the interest on the money, how do you make sure nobody is ripping off the private corporation, you need an enforcer.  The IRS.    Internal vs External Revunue The newly created position of Chief Executive Officer (CEO) of the Internal Revenue Service (IRS) for Frank Bisignano involves the following key duties and responsibilities, as outlined in the official Treasury Department announcement: Reporting directly to Acting IRS Commissioner Scott Bessent. Managing the overall IRS organization. Overseeing all day-to-day IRS operations. the newly created CEO position for Frank Bisignano appears designed to facilitate restructuring and modernization efforts at the IRS, drawing on his extensive background in corporate transformations, mergers, and efficiency drives.Key Indications from Official Sources