Podcasts about SSA

SSa destinará 143 mdp en equipo médicoCristina golpea a El Salvador Haití busca sorprender ante Escocia Más información en nuestro Podcast#grc

In this episode, Dr Elle Wadsworth talks to Dr Amy Peacock, an Associate Professor and Deputy Director of the National Drug and Alcohol Research Centre, University of New South Wales, and Dr Krista Siefried, a Clinical Research Lead and Deputy Director, of the National Centre for Clinical Research on Emerging Drugs at the University of New South Wales, Australia. The interview covers two research articles: 1) Amy's article on trends in gamma-hydroxybutyrate (GHB) use, harms and treatment in Australia and 2) Krista's article on emergency department presentations, hospitalisations and police seizure data related to GHB in New South Wales, Australia.What is GHB? [01:30]Why is GHB an important drug to examine in the Australian population [02:30]The data sources Amy used in her study [04:20] The data sources Krista used in her study [06:45]The key findings of the study [08:21]Metabolites of GHB and risks of consuming GHB with alcohol [13:20]The implications of the findings for policy and treatment in Australia [14:04]The reasons behind the recent increase of GHB in Australia [16:30]The take home messages [19:14]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. Elle holds voluntary roles at The Loop, a non-profit service provider of drug checking in the UK and the International Society for the Study of Drug Policy. About Amy Peacock: Amy is an Associate Professor, National Health and Medical Research Council (NHMRC) Emerging Leadership Fellow and Deputy Director of the National Drug and Alcohol Research Centre, University of New South Wales. She is also Program Lead for Drug Trends, a national monitoring system identifying trends in illicit drug use, markets and harms that is funded by the Australian Government Department of Health, Disability and Ageing.About Krista Siefried: Krista is Clinical Research Lead and Deputy Director, the National Centre for Clinical Research on Emerging Drugs (NCCRED) at the University of New South Wales (UNSW) in Sydney, Australia. She is also a Senior Lecturer at the UNSW National Drug and Alcohol Research Centre (NDARC), and St Vincent's Hospital Sydney Alcohol and Drug Service. Krista works towards evidence-based interventions to reduce harm and improve healthcare for people who use drugs. Her leadership emphasises collaborative research, deep community engagement, and practical outcomes to address the needs of individuals, families, and frontline service providers.Declarations of interest: Krista is employed by the UNSW and St Vincent's Health Network Sydney, she has no other conflicts to declare. Original articles: Emergency department presentations, hospitalisations and police seizure data related to gamma-hydroxybutyrate (GHB) in New South Wales, Australia, from 2015 to 2024 https://doi.org/10.1111/add.70202 Trends in gamma-hydroxybutyrate use, harms and treatment in Australia, 2013 to 2024 https://doi.org/10.1111/add.70308The 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.

Two Huntsville pastors have a new book coming out in July titled “Born Gay, Born Again.”  It's not a story about becoming straight. It is a story about becoming whole. Zaire Willis & Reginald Robinson believe that if you've ever wondered how change is possible then their book will challenge what you knew about identity, desire and redemption.   Their book is a bold, testimonial-driven resource on sexuality, identity, trauma and transformation through faith in Christ. The authors—two Black pastors and ministers with personal histories of same-sex attraction (SSA)—share their raw stories of struggle, abuse, addiction, secrecy in ministry and eventual deliverance. Both of them touch on the themes of trauma and church failures and how a path to freedom lies in faith. More information is also available on their website: https://bnymen.com/journey

Alertan sobre el glaucoma en México: SSa  Visas aprobadas tienen fecha límite de entrega: Embajada EE.UU. Israel impulsa expansión de asentamientos a Cisjordania  Más información en nuestro podcast#grc

In this episode, Annika Theodoulou speaks to Dr Vera Buss, a Senior Research Fellow at University College London, and Professor Leonie Brose, a Professor of Addictions & Public Health at King's College London, UK. The interview covers Vera and Leonie's research article examining the association between the national ‘Swap to Stop' programme offering free vapes for smoking cessation and quit attempts in England.Background on the Swap to Stop program in England [01:10]The motivations behind the study [01:50]The Smoking Toolkit Study and using an Interrupted Time Series Analysis [03:00]The key findings of the study [04:50]The factors which Vera and Leonie adjusted for [07:00]The policy landscape in England regarding vaping as a smoking cessation aid [07:41]What can other countries learn from the findings [09:12]The surprising results of this study [09:50]The implications of the findings for policy and practice [10:36]About Annika Theodoulou: Annika is a Research Fellow at the National Centre for Education and Training on Addiction at Flinders University, South Australia. Her work focuses on health behaviours, including smoking cessation and weight management, with an emphasis on evidence synthesis. She completed a Doctor of Philosophy in Primary Health Care at the University of Oxford, where her research examined socioeconomic inequalities in smoking cessation behaviours and outcomes using quantitative and qualitative methods. Her doctoral research was funded by the Society for the Study of Addiction and The Rotary Foundation. Annika is an Associate Editor of Nicotine & Tobacco Research and holds a Bachelor of Health Sciences and a Master of Clinical Science from the University of Adelaide.About Vera Buss: Vera is a Senior Research Fellow in Behavioural Science at the UCL Tobacco and Alcohol Research Group and part of the Behavioural Research UK consortium. Her research focuses on understanding and monitoring tobacco smoking and alcohol consumption across Great Britain, drawing on the Smoking and Alcohol Toolkit Studies to evaluate national policies and population‑level behaviour change. Alongside her research, Vera co‑leads undergraduate and postgraduate teaching on health psychology and statistics for public health.About Leonie Brose: Leonie is Professor of Addictions & Public Health at King's College London and Director of the National Institutes for Health and Care Research (NIHR) Policy Research Unit in Addictions. Most of Leonie's research has focused on tobacco control, smoking cessation, smoking and mental health and newer nicotine products and she has co-authored six government-commissioned reviews on vaping. Leonie is active in the Society for the Study of Addiction, the Society for Research on Nicotine and Tobacco and its European chapter. She also contributes as an Editorial Board member for Addiction and Nicotine & Tobacco Research and as Programme Lead for the MSc Addictions at King's. Leonie is an Associate Editor for Addiction and a Trustee for the SSA.Original article: Associations between the national ‘Swap to Stop' programme offering free vapes for smoking cessation and quit attempts in England: Results from a population-based survey https://doi.org/10.1111/add.70332The 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.Music by Jack Shakespeare Hosted on Acast. See acast.com/privacy for more information.

Send us Fan Mail◆ Credit card ABS grows as securitization sets off for Barcelona ◆ What can scupper insurance tier two spree ◆ SSAs appear unwilling to test Treasury spread recordA deal from Vanquis Bank, a securitization of credit card receivables, is the latest deal in a revival of an asset class that has been morinund since the 2008 financial crisis. We examine why this market is making a comeback now and what makes it different this time. We also discuss our sister podcast, Another Fine Mezz's plans for a live show at next week's Global ABS event in Barcelona, which is the major industry gathering for the European securitization industry, and look ahead to the conference.Insurance companies have been on a spree of tier two issuance lately. We explain why and discuss why investors might be reaching their limit and what issuers can do about it.Finally, we return to a hot topic from last week's show — whether a public sector bond issuer can price a deal at a tighter yield than US Treasuries. It appears that there is some reticence among issuers to be the first, even though doing so would be a major milestone. We examine why that is and explain why it might still happen over the summer anyway.Now read on:Vanquis fuels bank-led credit card ABS comebackInsurer tier two parade begins to test investors' limitsOn the banks of the Rubicon: hopes for an SSA to price through Treasuries fadePricing an SSA through Treasuries would be a warning not a trophy

Since January 2026, USCIS will no longer allow applicants to request a Social Security Number at the same time they file an EAD application (Form I-765). Previously, many applicants could simply check a box on their EAD form and have USCIS coordinate with the Social Security Administration (SSA) to issue an SSN or replacement card. Under the updated policy, that convenience is ending. If you need an SSN, you will have to apply directly with SSA after your EAD is approved). 

The Social Security Administration is looking to fully transition to electronic payments this year. President Donald Trump signed an executive order last year directing the Treasury Department to stop issuing paper checks for all federal payments. SSA says paper checks are 20 times more expensive than electronic checks and are more susceptible to fraud. SSA beneficiaries seeking an exemption to this policy can request a waiver from the Treasury Department. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Toni talks about Medicare monthly rates and a spouse's monthly income. Toni discussed the following forms: CMS-L564, CMS-40B and SSA 44. Look for the Medicare Road Map and How To Enroll in Medicare on Toni's website: www.tonisays.com Questions? Call Toni at 832-519-8664, write: info@tonisays.com And Yes, Medicare Fraud is Real! www.Medicare.gov is the website where you can check claims against your Medicare account Medicare's telephone number: 800-633-4227 - Please call if you suspect that your account has been subject to fraud. Visit www.gracealley.com and receive a 10% discount when ordering an American flag, or the new America 250 flag or anything on the website using the code tonisays10 at checkout! Happy Birthday America! Toni's new Medicare Survival Guide Advanced Edition book is available now - pick up your copy at www.tonisays.com Want more information? Take advantage of Toni's brand new video series now a available at https://tonisays.com Remember - with Medicare it's what you don't know that will hurt you! There's so much good information in this podcast, please be sure to share this podcast with your friends! Recognized by feedspot.com as one of the best Medicare Podcasts in the nation! Write Toni - info@tonisays.com. Toni's book is available at www.seniorresource.com and https://tonisays.com You can call Toni at 832-519-8664 Toni welcomes all Medicare questions. Toni now offers informative Medicare Webinars for all of your Medicare needs at https://tonisays.com You can find Medicare Moments wherever you find your favorite podcasts, such as: Apple: https://apple.co/44MoguG Spotify: https://open.spotify.com/show/7c82BS4hb145GiVYfnIRsoAmazon Music: https://music.amazon.com/podcasts/884c1f46-9905-4b29-a97a-1a164c97546b/medicare-moments?refMarker=null You can find Medicare Moments at: https://podcasts.seniorresource.com/medicare-moments/ Toni's new book: Maze of Medicare is now available at www.tonisays.com Combining Scripture with Medicare, it is the only book of its kind. Toni's columns appear weekly in about 100 newspapers across America. If you would like Toni's column to appear in your local paper, or if you would like Toni to speak at an event - contact Toni King at 832-519-8664 Thank you for listening and be sure to tell your friends about Medicare Moments! Blessings! Toni KingSee omnystudio.com/listener for privacy information.

La Caverne de JR pourra-t-elle ouvrir bientôt ? La génération Youtube va-t-elle révolutionner Hollywood ?  Devinez qui sont les humoristes de l'année selon la SSA ? 

In this episode, Dr Elle Wadsworth talks to Dr Damon Morris, a Research Fellow in the Sheffield Addictions Research Group, School of Medicine and Population Health, at the University of Sheffield, UK. The interview covers Damon's research article modelling the economic effects of reducing the consumption of unhealthy commodities.The drive to conduct this study [01:30]The economic outputs of interest to capture the net effects of the economy [03:00]What a simulation model is [04:10] An explanation of the commercial determinants of health input-output model [05:06]The unhealthy commodities used in this study [06:20]The key findings of the study [07:28]The difference between the off-trade and on-trade alcohol results [08:50]A summary of the key results [10:22]The break-even reallocation rate: the point at which the negative economic impacts of reduced spending are exactly offset by the positive impacts of increased spending on other products [10:55]The implications of the findings for policy makers [13:10]The generalisability of the findings to outside the UK [14:44]The missing pieces of the model [15:50]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. Elle holds voluntary roles at The Loop, a non-profit service provider of drug checking in the UK, and the International Society for the Study of Drug Policy. About Damon Morris: Damon is a Research Fellow in the Sheffield Addictions Research Group (SARG), School of Medicine and Population Health, at the University of Sheffield. Damon's current research is in the area of public health and labour economic modelling, primarily in ongoing development of the Sheffield Tobacco and Alcohol Policy Model (STAPM), an economic and epidemiological model of alcohol and tobacco consumption and health dynamics used to appraise public health policy.Declarations of interest: None Original article: Modelling the economic effects of reducing the consumption of unhealthy commodities: An inter-sectoral input–output approach https://doi.org/10.1111/add.70336The 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.Music by Jack Shakespeare Hosted on Acast. See acast.com/privacy for more information.

This episode dive into the complex world of Social Security through the lens of a high-earning professional. We move past the "standard" advice of waiting until age 70 to explore the Real Math, including the impact of current 2.7% TIPS real yields and the looming 2032 Trust Fund cliff. If you are in deciding on a claim strategy, this episode provides a framework for political risk management and tax-efficient retirement.SSA.gov: Log onto or create your "My Social Security" account to view your earnings record and possible benefit. Please subscribe and leave a review on your favorite Podcasting platform. Get 12 Financial Mistakes that Keep Physicians from Building Wealth at https://www.growyourwealthymindset.com/12financialmistakesIf you want to start your path to financial freedom, start with the Financial Freedom Workbook. Download your free copy today at https://www.GrowYourWealthyMindset.com/fiworkbookDr. Elisa Chiang is  a physician and money coach who helps other doctors reach their financial goals by mastering their money mindset through personalized 1:1 coaching .You can learn more about Elisa at her website or follow her on social media.Website: https://ww.GrowYourWealthyMindset.comInstagram https://www.instagram.com/GrowYourWealthyMindsetFacebook https://www.facebook.com/ElisaChianghttps://www.facebook.com/GrowYourWealthyMindsetYouTube: https://www.youtube.com/c/WealthyMindsetMDLinked In: www.linkedin.com/in/ElisaChiang Disclaimer: The content provided in the Grow Your Wealthy Mindset Podcast...

Amanda Smith lived as a lesbian for 12 years. She dressed like a man, dated feminine women, and was convinced God had made her that way. Then, alone in a new city with nothing but a Bible her mom had given her, everything changed. Dr. Jennifer Roback Morse sits down with Amanda Smith, a staff missionary with Desert Stream Living Waters, to talk about the journey out of a lesbian identity, the real contributing factors behind same-sex attraction, and what the Church gets right — and wrong — when walking alongside people in sexual and relational brokenness.

David and TJ talked with Akwasi in Ghana about growing up Pentecostal while wrestling with same-sex attraction (SSA). Akwasi shares candidly about the cultural and church pressures surrounding sexuality and marriage in Ghana, and his commitment to pursuing holiness and discipleship even as his attractions remain. He also reflects on the challenges SSA Christians face in his context and his hope to support others through discipleship and community.Note: This episode includes some comments suitable for adult audiences; listener discretion is advised.About Our Guest: Akwasi is a Ghanaian Christian leader, creative strategist, and youth mentor passionate about discipling the next generation through faith and leadership. He is involved in building impactful initiatives that blend spiritual formation, mentorship, creativity, and community transformation, with a strong focus on young people in Ghana. He is committed to raising holistic believers and leaders who live boldly, think deeply, and influence society with conviction and excellence.One of those initiatives is FOUND: Foundafric.org—This episode uses the terms “Side A” and “Side B” (and X, Y) as shorthand quite a bit. If you're new to the conversation, you might find it helpful to check out episode #3, where we talk through the four “sides”: ⁠#3 - A-B-Y-X | 4 Sides on SSA/Gay Sexuality⁠—★ Timestamps(00:00) #82 - African Voices: Akwasi on Same-Sex Attraction in Ghana(04:10) About Akwasi: Growing up in Pentecostal Africa(06:39) Role playing mothers and fathers, other early history(16:21) How does the church (and wider culture) in Ghana handle men “being gay” or being effeminate?(35:27) SSA in Ghana: “Not many people name it”(42:37) Friendships between men in U.S. compared to Ghana(49:24) Do you pray for God to take away SSA (as a pentecostal)?(51:38) What options does a SSA man in Ghana have? Celibacy, priest, only marriage?(55:44) How do you think about dating (in some African culture)?(01:03:03) Is having a best friend outside your marriage “emotional cheating”?(01:15:59) Does Ghana have Side A? Why aren't you Side A?(01:22:51) Final Thoughts: Prayers for SSA men in the African Church—★ Send us feedback, questions, comments, and support || Email: communionandshalom@gmail.com | Instagram: @newkinship | Substack: @newkinship—★ Credits || Creators and Hosts: David Frank, TJ Espinoza, Tyler Parker | Audio Engineer: Carl Swenson, carlswensonmusic.com | Podcast Manager: Elena F. ★ Get full access to New Kinship at newkinship.substack.com/subscribe

On this episode of The Ty Brady Way, Ty sits down with not one but two guests, Russ Gaiser and Mike Flick, co-founders of Retirement Income Headquarters of America, for a conversation that could genuinely change the way you think about retirement and the Social Security decisions most people get dangerously wrong. Russ and Mike come from different backgrounds, Russ from nine years of active duty Air Force and healthcare administration, Mike from systems analysis and human resources, but both arrived at the same conclusion independently: Social Security is most people's biggest pension, and almost nobody is treating it that way. They partnered to fill that gap, building a five-step proprietary planning process that meets people right at the doorstep of retirement and helps them use Social Security as the cornerstone of a plan built to last. The heart of the episode is a myth-busting deep dive into what most people get wrong. The first myth is that you can evaluate Social Security in a vacuum by running a simple break-even analysis for one person. In reality, for married couples especially, every decision ripples outward to affect spousal benefits, survivor benefits, and tax exposure in widowhood. Russ points out that 80% of men die married while 80% of women die single, with the average widow spending 15 years alone, often on a dramatically reduced income that gets taxed worse as a single filer. The second myth is that Social Security is going away entirely. Russ walks through why even in a worst-case scenario where Congress does nothing, roughly 80% of benefits would still be payable through payroll taxes, and why claiming early out of fear of missing out often means locking in a permanently smaller benefit. The third myth, and perhaps the most costly, is the assumption that you automatically receive half of your spouse's benefit. The reality involves a web of rules around full retirement age, early claiming reductions, and timing that most people never untangle on their own. Russ and Mike each share a client story that illustrates exactly what's at stake. Russ helped a divorced woman discover she qualified for a widower's benefit on her ex-husband's record, something Social Security never told her and wouldn't have, netting her roughly $60,000 she passed on to her children as a legacy. Mike helped a woman who had been flatly told by a Social Security office that she couldn't receive a divorced spouse benefit because she was still working. That was incomplete information. She ended up receiving over $13,000 in benefits she was told she couldn't have. Both stories share the same moral: the rules are complex, the SSA is not legally permitted to give advice, and the cost of not knowing is enormous. On the business side, Russ and Mike are equally sharp. Mike does a calendar audit, color-coding his week green for energy-giving activities like seeing clients, red for draining admin tasks that get delegated, and yellow for necessary obligations. Russ draws the distinction between being interested in excellence and being committed to it, arguing that when you feel the temptation to take shortcuts or deliver generic answers, that's precisely the moment you have to hold the line. Their closing message is direct: 77% of households surveyed by the National Institute on Retirement Security believed they would outlive their money. Russ and Mike's response to that stat is typically not a savings problem. It's a planning strategy problem. And the consultation to find out which one you're facing costs nothing.   As always, we would like to hear from you! Email us at thetybradyway@gmail.com

In this episode, Dr Tsen Vei Lim talks to Dr Philip Newall, a Senior Lecturer at the University of Bristol, UK. The interview covers Philip's opinion and debate article on sludge, dark patterns and dark nudges: a taxonomy of online gambling platforms' deceptive design features.The rationale behind Philip's article [01:16]A background on the policy landscape associated with online gambling platforms [06:40]The three features that online gambling platforms use [09:18]The implications of these features for policymakers [14:30]The implications of these features for the gambling industry [17:22]The implications of these features for the people using online gambling platforms [19:46]The end goal of Philip's research [21:24]About Tsen Vei Lim: Tsen Vei is an academic fellow supported by the Society for the Study of Addiction, currently based at the Department of Psychiatry at the University of Cambridge. His research integrates computational modelling, experimental psychology, and neuroimaging to understand the neuropsychological basis of addictive behaviours. He holds a PhD in Psychiatry from the University of Cambridge (UK) and a BSc in Psychology from the University of Bath (UK).About Philip Newall: Philip is a Senior Lecturer at the University of Bristol's School of Psychological Science. Philip completed a PhD at the University of Stirling in 2016, before going on to postdoctoral research fellowships at Technical University of Munich, the University of Warwick, and Central Queensland University's Experimental Gambling Research Laboratory. Philip's research applies concepts and research methods from behavioural science to gambling. Philip was a member of the Advisory Board for Safer Gambling from 2021 to 2025, which was an advisory group of the Gambling Commission in Great Britain. In the last three years, Philip has been a named researcher on projects funded by the Academic Forum for the Study of Gambling, Alberta Gambling Research Institute, Arts and Humanities Research Council, BA/Leverhulme, Canadian Institute for Health Research, Clean Up Gambling, Gambling Research Australia, and the Victorian Responsible Gambling Foundation. Philip has received honoraria for reviewing from the Academic Forum for the Study of Gambling and the Belgium Ministry of Justice, travel and accommodation funding from the Alberta Gambling Research Institute and the Economic and Social Research Institute, and open access fee funding from the Academic Forum for the Study of Gambling and Greo Evidence Insights.Original article: Sludge, dark patterns and dark nudges: A taxonomy of online gambling platforms' deceptive design features https://doi.org/10.1111/add.70085The 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.Music provided by Jack Shakespeare. 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

Good morning, Store Nation. Welcome to the Hacking Self Storage podcast. Today, I'm breaking down one of the most powerful statistics from the SSA annual report: how long customers actually stay in self-storage. We look at why longer customer stays are transforming the industry, what it means for lifetime customer value, and why predictable recurring revenue is one of the biggest advantages of self-storage. Hope you enjoy this episode. Give it a listen.     Mr Self Storage Newsletter: https://www.mrselfstorage.com/     Mr Self Storage YouTube: https://www.youtube.com/@mrselfstoragedotcom

Aumentan casos de ébola en Congo, ya suman 136  Más de 257 millones usaron transporte urbano en marzo: InegiSheinbaum felicita a Elena Poniatowska por sus 94 añosMás información en nuestro podcas#grc

ISSSTE permite conservar prestaciones tras cambio de empleo  Tren Ligero afectado por la caída de un árbol   Avión de la OTAN derriba dron ucraniano en Estonia  Más información en nuestro podcast#grc

Más de 18 mil mexicanos esperan un trasplante: SSa  SaFeBus iniciará operaciones en Santa Fe antes del 11 de junio  Ecuador aprueba extradición de operador de Los Choneros a EU  Más información en nuestro podcast#grc

La línea 11 del Trolebús cumple este lunes su primer año de operación Alertan sobre el aumento desmedido de venta de bolsas de nicotina en MéxicoLa Secretaría de Salud advierte que durante la temporada de calor aumenta el número de picaduras de alacránMás información en nuestro podcast#grc

Jim and Chris discuss listener emails on the SSA-44 and IRMAA process for a couple approaching Medicare, Social Security survivor benefit strategy, tax diversification for young investors, HSA vs. IRA prioritization and spending strategy during the delay period, and inherited IRA RMD rules for non-eligible beneficiaries. (15:30) A listener approaching Medicare asks how the SSA-44 process applies when one spouse is retiring while the other continues to work, and whether their planned Roth conversions could complicate the IRMAA appeal filing. (33:15) Georgette wonders whether she can start her own Social Security at 67, switch to a lower survivor benefit if her husband passes, and then return to her own larger benefit at 70. (41:00) The guys hear from a parent helping his adult children decide whether to convert their traditional IRAs to Roth IRAs or preserve a mix of account types for tax diversification in retirement. (57:45) Jim and Chris address two questions: (1) whether HSA contributions should be prioritized over IRA contributions for retirement savings, and (2) how to bridge a cash flow gap when brokerage funds run out during the delay period without undermining ongoing Roth conversions. (1:26:15) A listener asks whether a non-eligible beneficiary who inherits a traditional IRA before the decedent’s required beginning date must still take RMDs, given that the decedent had already taken one RMD in the year they turned 73. The post IRMAA, Social Security, Tax Diversification, Delay Period, Inherited IRA: Q&A #2620 appeared first on The Retirement and IRA Show.

In this Healthy Widow Healthy Woman podcast episode with Carolyn Moor, we sit down with economist and former Social Security Administration researcher David Weaver Ph.D to break down everything widows need to know.We'll cover:The different types of widow benefitsThe new SWIFT Act introduced to Congress by NY Senator Gillibrand, How you can support it and what it could mean for your monthly checkA recent Social Security's Inspector General report that found serious problems in how the SSA is handling widow claimsDavid Weaver also shares:What the Social Security Advisory Board is recommending to better serve widows and their childrenWhat the latest research tells us about how widows are faring financiallyThe red flags every widow should watch for when dealing with the Social Security Administration.Whether you're newly widowed or planning ahead, this episode is essential to Healthy Widow Healthy Womanlistening for widow advocates everywhere.HWHW Guest Bio: David A. Weaver currently teaches statistics at the University of South Carolina. Prior to teaching, David served as a researcher and executive in the federal government for several years at the Social Security Administration and the Congressional Budget Office. He has published several articles on federal programs, income, and poverty.David is a native of Atlanta, Georgia and received a bachelor's degree in economics from Furman University in Greenville, South Carolina. He also holds a Ph.D. in economics from Duke University.*Follow David Weaver on Linkedin. * Follow Carolyn Moor on Linkedin Learn more about Host Modern Widows Club® The Movement for Widow Care (MWC)

Claudia Sheinbaum anuncia relevo en dirección de Pemex  CDMX ofrece mastografías gratuitas este 15 de mayoRusia y Ucrania intercambian 205 prisioneros por bandoMás información en nuestro podcast#grc

In this episode, Dr Tsen Vei Lim talks to Igor Marchetti, an Associate Professor in the Department of Health Sciences at the University of Florence, Italy. The interview covers Igor's research article that tests which personality traits are necessary conditions for problematic alcohol use, with insights from a 23-year longitudinal study.Why is understanding personality important for alcohol use? [01:18]The personality traits that are associated with problematic alcohol use [02:06]Why Igor and colleagues are looking at the necessary personality traits [03:16]The dataset used in the study [05:15]The key findings from the study [06:29]Low conscientiousness and problematic alcohol use [08:03]The link between impulsivity and conscientiousness [09:31]The necessary conditions to develop problematic alcohol use [11:29]Whether we can change parts of our personalities [13:42]The implications of the findings for policy and practice [15:01]The next steps for Igor and his team [17:00]About Tsen Vei Lim: Tsen Vei is an academic fellow supported by the Society for the Study of Addiction, currently based at the Department of Psychiatry at the University of Cambridge. His research integrates computational modelling, experimental psychology, and neuroimaging to understand the neuropsychological basis of addictive behaviours. He holds a PhD in Psychiatry from the University of Cambridge (UK) and a BSc in Psychology from the University of Bath (UK). About Igor Marchetti: Igor is an Associate Professor of Clinical Psychology in the Department of Health Sciences at the University of Florence, Italy. His research focuses on vulnerability to psychopathology, particularly depression, anxiety, and addiction. More recently, he has introduced the study of necessary conditions into mental health research.Original article: Which personality traits are necessary conditions for problematic alcohol use? Insights from a 23-year longitudinal study https://doi.org/10.1111/add.70417 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.Music provided by Jack Shakespeare. Hosted on Acast. See acast.com/privacy for more information.

rWotD Episode 3298: WTVW Welcome to random Wiki of the Day, your journey through Wikipedia's vast and varied content, one random article at a time.The random article for Friday, 15 May 2026, is WTVW.WTVW (channel 7) is a television station in Evansville, Indiana, United States, airing programming from The CW. It is owned by Mission Broadcasting and operated under a shared services agreement (SSA) by Nexstar Media Group (which owned the station outright from 2003 to 2011 and presently owns ABC affiliate WEHT [channel 25]). The two stations share studios on Marywood Drive in Henderson, Kentucky; WTVW's transmitter is located just outside of Chandler, Indiana.Before joining The CW, WTVW was the market's Fox affiliate from December 3, 1995, to June 30, 2011 (serving as an independent station after disaffiliating from the network until January 30, 2013); before that, it served as Evansville's original ABC affiliate from its August 21, 1956, sign-on to December 2, 1995.This recording reflects the Wikipedia text as of 00:49 UTC on Friday, 15 May 2026.For the full current version of the article, see WTVW on Wikipedia.This podcast uses content from Wikipedia under the Creative Commons Attribution-ShareAlike License.Visit our archives at wikioftheday.com and subscribe to stay updated on new episodes.Follow us on Mastodon at @wikioftheday@masto.ai.Also check out Curmudgeon's Corner, a current events podcast.Until next time, I'm standard Justin.

At an ACT-IAC panel on moving from fragmented to frictionless, unified customer experiences, SSA's Michelle Liu explains SSA's Service Index, a framework and catalog mapping services across online, phone/IVR, and in-person channels to customer journeys, data, and processes to identify dead ends, gaps, and priorities. She illustrates friction with an SSI address-change journey that fails online and in IVR, forcing repeat intent/authentication and eventual field-office completion, and shows how the index supports channel parity, policy review (e.g., questioning unnecessary in-person SSI return-to-U.S. requirements), call routing, content alignment, and LLM-based call categorization (e.g., why customers call for tasks available online). Voyagers Program | ACT-IAC A Hell of a Regiment: To Gettysburg and Beyond with the Twentieth Maine | ACT-IAC Summary - A Hole in One with ACT-IACSubscribe on your favorite podcast platform to never miss an episode! For more from ACT-IAC, follow us on LinkedIn or visit http://www.actiac.org.Learn more about membership at https://www.actiac.org/join.Donate to ACT-IAC at https://actiac.org/donate. Intro/Outro Music: See a Brighter Day/Gloria TellsCourtesy of Epidemic Sound(Episodes 1-159: Intro/Outro Music: Focal Point/Young CommunityCourtesy of Epidemic Sound)

Good morning, Store Nation. Thank you for tuning in to the Hacking Self Storage podcast. Today, I'm breaking down one of the most interesting takeaways from the SSA industry report: why people actually use self storage. We look at the surprising numbers behind personal storage, why the industry is less reliant on the housing market than you might think, and how this data can completely change your marketing strategy. Hope you enjoy this episode. Give it a listen.   Wanna know more about self storage and how blooming awesome it is … I have a FREE training below https://www.mrselfstorage.com/masterclass?video=D1HzTdBcZJA  And after watching that, you're serious about opening a self storage site or maximising your existing sites performance …. Book a call below to see if were a right fit for each other -   https://www.mrselfstorage.com/apply?video=D1HzTdBcZJA

THE BOB AND TOM SHOW – MONDAY, MAY 11, 2026 6:00 Mom Star Navigation6:05 Driver going wrong way on street headed toward Tom6:08 Tom loves stadium hot dogs wrapped in foil6:12 Discussion of unusual cosmetic surgeries6:25 Tom only saw one fight at a concert6:29 “Pokertox” discussion6:30 Cosmetic procedure discussion6:30 Split tongue surgery discussion6:33 Letter – Phil Dirt and the Dozers coming to Ohio6:34 Letter – sister married a man named Staples6:36 Letter – tiki bar restroom discussion6:36 Letter – Nina Conti discussion6:36 “His and Hair” towels – Josh6:47 Letter – toenail trimming discussion6:49 Letter – “Here comes the airplane” while feeding a child discussion6:52 Letter – made mom a dustpan in shop class and hopes to inherit it back6:54 Household items people have owned the longest 7:09 Letter – Piccadilly Circus was disappointing7:22 Sports7:28 SWR – longest duration balancing a skateboard on someone's neck7:31 Song parody – “Rock Around the Clock” reference7:35 Body image trend discussion7:48 Tom overfilled his shopping basket at Target 8:05 In Studio – Jess8:11 Jess shares hot dog creation8:14 “Big Balls” (copyright reference)8:26 Josh jokes that the crew are “props to Tom”8:28 Men in Russia reportedly getting surgery for cauliflower ear appearance8:33 Smart pillow designed to vibrate for deaf users8:50 Today in History8:54 Tom bought two pairs of flesh-colored underwear 9:03 Letter – discussion about unusual cosmetic procedures9:05 Cam Newton hat discussion – Pat9:06 SSA baby names list – Top 109:26 11,000-carat ruby discussion9:29 Flock of Seagulls (copyright reference)9:32 Comedy/music callback discussion9:35 Airport luggage incident involving marijuana9:45 Red Bull truck stolen Learn more about your ad choices. Visit podcastchoices.com/adchoices

In this episode, Dr Elle Wadsworth talks to Dr Amy Peacock, an Associate Professor and Deputy Director of the National Drug and Alcohol Research Centre, University of New South Wales, and Dr Monica Barratt, an Associate Professor at Australia's National Drug Research Institute, Curtin University. The interview covers Amy and Monica's research article examining the availability of nitazenes via cryptomarkets and surface web shops.What are nitazenes? [01:30]What are cryptomarkets? [03:00]Why did Monica and Amy look for nitazenes on cryptomarkets? [04:40] Why nitazenes are popular now [06:12]The key findings of the study [07:41]The change of the main country of origin for nitazenes [10:55]The turnover of cryptomarkets [12:11]The implications of the findings for policymakers in Australia [14:20]The next steps in this research area [17:20]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. Elle holds a voluntary role at The Loop, a non-profit service provider of drug checking in the UK. About Amy Peacock: Amy is an Associate Professor, National Health and Medical Research Council (NHMRC) Emerging Leadership Fellow and Deputy Director of the National Drug and Alcohol Research Centre, University of New South Wales. She is also Program Lead for Drug Trends, a national monitoring system identifying trends in illicit drug use, markets and harms that is funded by the Australian Government Department of Health, Disability and Ageing.About Monica Barratt: Monica is an NHMRC Emerging Leadership fellow at Australia's National Drug Research Institute (Curtin University), recognised internationally for generating policy and practice relevant insights into the reduction of health harms for people who use unregulated drugs. Monica has published 158 peer-reviewed articles with over 10K Google Scholar citations. Monica's research has been supported domestic and international competitive health-related funds. Her key partners include organisations that represent people with lived-living experience of drug use and peak bodies. She holds editor roles at the International Journal of Drug Policy and Drug and Alcohol Review.Declarations of interest: Monica holds four voluntary roles for community organisations engaged in harm reduction service provision and advocacy. She is the National Research Lead for The Loop Australia, a non-profit service provider of drug checking in Australia. She serves on the boards of directors of three harm reduction charities: Bluelight Communities Ltd (Chair), Students for Sensible Drug Policy Australia (Treasurer), and the Australian Psychedelic Society (Member). Amy has no interests to declare. Original article: Availability of nitazenes via cryptomarkets and surface web shops: An observational study https://doi.org/10.1111/add.70350 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.Music by Jack Shakespeare. Hosted on Acast. See acast.com/privacy for more information.

In this episode, host Steve Chen sits down with Mark Miller — journalist, author, and retirement expert behind RetirementRevised.com — to unpack the biggest changes hitting Social Security and Medicare right now. Mark shares his personal experience claiming both programs, explains why “later is better” for most Social Security claimants, and breaks down the trust fund depletion risk without the fear-mongering. The conversation covers the real-world impact of DOGE-driven SSA staffing cuts, why traditional Medicare beats Medicare Advantage for most people, the landmark $2,000 Part D out-of-pocket cap, and the quiet Medicare Savings Program rollback buried in the “One Big Beautiful Bill.” Mark's no-nonsense take: understand the rules, claim strategically, and shop your Medicare coverage every single year.

SSA llama a atender la salud mental maternaZócalo reunió a 50 mil personas por visita de BTSEdomex ampliará red de atención para mujeres Más información en nuestro Podcast#grc

Want your views heard on the show? Tap here to send us a message!Highlights from a live online evening by the SSA with questions from members for the Men and Women.Follow the Fezcast on Twitter, Instagram, Facebook and YouTube to hear all our latest news first!Click here for subscription links[Disclaimer: The Fezcast is brought to you on behalf of the Saracens Supporters Association and is not an official product of Saracens Ltd]Title Music (from Season 4): "Herald" by This Winter Machine

In this episode, host Justin McNamara sits down with Social Security expert Kurt Zarnowski, a former SSA insider, to break down how the system actually works. From earning the required credits over a ten-year minimum to understanding how your highest 35 years of income shape your benefit, they clarify the mechanics that determine what you receive in retirement. The conversation also examines timing. What does full retirement age really mean? How much do you lose by claiming at 62, and how much more can you gain by waiting until 70? McNamara and Zarnowski walk through the tradeoffs in clear terms, grounded in real financial impact. They also cover spousal and survivor benefits, including key updates under the Social Security Fairness Act of 2023 that affect those with public pensions. This episode is a practical guide to making more deliberate, informed decisions about your long term retirement income. Justin McNamara, CFP® is a Certified Financial Planner with passion for investment strategy and selection. He works with small businesses and owners, parents of college-bound kids, job changers, pre- and post-retirees.

Jim and Chris discuss emails on Social Security survivor benefit strategies, IRMAA exceptions, Roth conversion timing during market downturns, and the implications of naming IRA beneficiaries directly versus routing assets through a trust. (8:15) A listener whose husband plans to delay Social Security to 70 while she claims early at 62 asks whether she can still receive the maximum survivor benefit if he passes away before reaching 70. (19:30) The guys field a question about whether the SSA-44 reduced work exception to IRMAA applies when the reduction in earned income is far too small to bring MAGI below the applicable tier. (31:00) Jim and Chris address whether it makes sense to front-load Roth conversions during a market downturn so that subsequent recovery gains are captured tax-free. (1:06:00) George wants to better understand the mechanics a trustee must navigate when distributing IRA assets to trust beneficiaries, compared to simply naming beneficiaries directly on the account. The post Social Security, IRMAA, Roth Conversions, IRA Beneficiaries: Q&A #2618 appeared first on The Retirement and IRA Show.

In this episode, Dr Tsen Vei Lim talks to Samatha Salim, a PhD candidate, and Dr Benjamin Riordan, a research fellow, both at the Centre for Alcohol policy Research at La Trobe University, Australia. The interview covers Samatha and Benjamin's article comparing the accuracy of artificial intelligence (AI) models to detect alcohol in video images.What are AI models? [01:18]The context of why this research was undertaken [02:40]Why is it important to detect alcohol in video images? [04:05]The regulations surrounding alcohol in media content [05:57]The three AI models used in the study [08:10]The key findings from the study [11:00]Are AI models better than humans in detecting alcohol in media content? [13:15]The implications of the findings for policy and practice [15:30]The key takeaways from the study [19:29]About Tsen Vei Lim: Tsen Vei is an academic fellow supported by the Society for the Study of Addiction, currently based at the Department of Psychiatry at the University of Cambridge. His research integrates computational modelling, experimental psychology, and neuroimaging to understand the neuropsychological basis of addictive behaviours. He holds a PhD in Psychiatry from the University of Cambridge (UK) and a BSc in Psychology from the University of Bath (UK). About Samatha Salim: Samatha is a PhD candidate at Centre for Alcohol Policy Research, La Trobe University in Australia, working at the intersection of artificial intelligence and public health. Her research focuses on quantifying alcohol exposure in films and digital media using scalable AI approaches, including multimodal large language models. By analysing large media datasets, she generates population-level evidence on the prevalence and patterns of alcohol portrayals and their potential influence on behaviour. Her work aims to bridge methodological innovation in AI with public health impact, supporting surveillance systems and informing policy interventions to reduce harmful alcohol exposure in media environments.About Benjamin Riordan: Benjamin is a research fellow in the Centre for Alcohol Policy Research (CAPR). His research interests are broad, but predominantly, he focuses on using emerging and new technologies to understand and intervene with young adults who use alcohol. At CAPR, he co-leads the research stream on alcohol, media, and emerging technology, which focuses on understanding: 1) How is alcohol depicted or discussed in media (e.g., social media, films, music)? 2) What is the impact of exposure to alcohol-related content in the media? 3) What are the opportunities for policy change or interventions?Original article: Comparing the accuracy of artificial intelligence models to detect alcohol in video images https://doi.org/10.1111/add.70337The 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.Music provided by Jack Shakespeare. Hosted on Acast. See acast.com/privacy for more information.

Jeremy Keil explains how 5 smart moves could impact your ability to claim $180,000 or more as a couple in Social Security. If you’re about to file for Social Security, there's a real possibility you could be leaving a significant amount of money on the table. This isn't a small decision. For many retirees, Social Security ends up being one of the largest income sources they'll ever rely on. And unlike many other financial decisions, this one is mostly permanent. Once you file, there are very limited opportunities to undo it. That's why getting it right before you file matters so much. In this episode, I walk an article I recently wrote for Kiplinger magazine five key moves to help you make a more informed decision. Why This Decision Matters More Than You Think Many people think of Social Security as a simple choice: Pick an age. Pick a number. File when it feels right. But in reality, your Social Security decision can impact: Your lifetime income Your tax situation Your investment strategy And even your spouse's financial future Research completed by Larry Kotlikoff shows that the average couple can miss out on over $180,000 in lifetime Social Security income simply by choosing the wrong time to claim. And for higher earners, the total value of Social Security over a lifetime can reach into the seven figures. This is not a decision to make casually. Move #1: Verify Your Earnings Record Your Social Security benefit is based on your highest 35 years of earnings. If there are errors in your record—even just a couple of missing years—it can reduce your benefit for the rest of your life. That's why your first step should be logging into SSA.gov and reviewing your earnings history carefully. If something is missing or incorrect, it's your responsibility to correct it. Even small errors can create a permanent reduction in income. Move #2: Use the Retirement Calculator (Not Just the Statement) Your Social Security statement is helpful—but it's based on assumptions. Specifically, it assumes you'll continue earning income at your current level all the way until full retirement age. If you plan to retire earlier, those estimates can be significantly overstated. Instead, use the retirement calculator to input your actual plan. Adjust your future earnings based on when you expect to stop working. That will give you a much more accurate estimate of your benefit. Move #3: Know What You've Already Earned Many people don't realize how much of their Social Security benefit they've already built. By setting future earnings to zero in the calculator, you can estimate your “vested” benefit—what you would receive based only on your past work. This can be eye-opening. Some people discover they've already earned most of their benefit, and working additional years doesn't significantly increase it. Others realize they still have meaningful gaps that could impact their future income. Either way, this step helps you make decisions based on facts instead of assumptions. Move #4: Understand Your Longevity Your Social Security decision is essentially a timing decision based on how long you expect to live. Yet most people guess. Instead of guessing, take a few minutes to use a longevity calculator and understand your probabilities. If you're married, this becomes even more important. The key question isn't just how long you might live individually—but how long at least one of you is likely to live. That joint life expectancy plays a major role in determining the value of delaying benefits. Move #5: Solve the Right Problem This is where many people go wrong. They treat Social Security like an investment decision—focusing on break-even points or rate of return. But Social Security isn't an investment. It's insurance. Its purpose is to provide income in later years, support a surviving spouse, and protect against the risk of living longer than expected. When you shift your thinking from “How do I maximize returns?” to “What role does this play in my plan?” the decision becomes much clearer. The Bottom Line Social Security is one of the few decisions in retirement that is both highly impactful and largely irreversible. That combination makes preparation critical. Before you file, take the time to: Verify your data Use accurate projections Understand what you've already earned Consider your longevity And frame the decision correctly Because when you get Social Security right, it strengthens every other part of your retirement plan. Don't forget to leave a rating for the “Retire Today” podcast if you've been enjoying these episodes! Subscribe to Retire Today to get new episodes every Wednesday. Apple Podcasts: https://podcasts.apple.com/us/podcast/retire-today/id1488769337  Spotify Podcasts: https://bit.ly/RetireTodaySpotify About the Author: Jeremy Keil, CFP®, CFA is a retirement financial advisor with Keil Financial Partners, author of Retire Today: Create Your Retirement Income Plan in 5 Simple Steps, and host of the Retirement Today blog and podcast, as well as the Mr. Retirement YouTube channel. Jeremy is a contributor to Kiplinger and is frequently cited in publications like the Wall Street Journal and New York Times. Additional Links: Buy Jeremy's book – Retire Today: Create Your Retirement Master Plan in 5 Simple Steps “Claiming Social Security Soon? 5 Smart Moves to Make Before You File” by Jeremy Keil, Kiplinger Magazine “How Much Lifetime Social Security Benefits Are Americans Leaving On the Table?” – Larry Kotlikoff, David Altig & Victor Yifan Ye Social Security Administration website LongevityIllustrator.org “Social Security and Work: How Much Can You Make in 2026?” – Mr. Retirement YouTube Channel “Can Americans Really Rely on Social Security? With Chris Orestis” – Retire Today Podcast Connect With Jeremy Keil: Keil Financial Partners LinkedIn: Jeremy Keil Facebook: Jeremy Keil LinkedIn: Keil Financial Partners YouTube: Mr. Retirement Book an Intro Call with Jeremy's Team Media Disclosures: Disclosures This media is provided for informational and educational purposes only and does not consider the investment objectives, financial situation, or particular needs of any consumer. Nothing in this program should be construed as investment, legal, or tax advice, nor as a recommendation to buy, sell, or hold any security or to adopt any investment strategy. The views and opinions expressed are those of the host and any guest, current as of the date of recording, and may change without notice as market, political or economic conditions evolve. All investments involve risk, including the possible loss of principal. Past performance is no guarantee of future results. Legal & Tax Disclosure Consumers should consult their own qualified attorney, CPA, or other professional advisor regarding their specific legal and tax situations. Advisor Disclosures Alongside, LLC, doing business as Keil Financial Partners, is an SEC-registered investment adviser. Registration does not imply a certain level of skill or expertise. Advisory services are delivered through the Alongside, LLC platform. Keil Financial Partners is independent, not owned or operated by Alongside, LLC. Additional information about Alongside, LLC – including its services, fees and any material conflicts of interest – can be found at https://adviserinfo.sec.gov/firm/summary/333587 or by requesting Form ADV Part 2A. The content of this media should not be reproduced or redistributed without the firm’s written consent. Any trademarks or service marks mentioned belong to their respective owners and are used for identification purposes only. Additional Important Disclosures

In this episode of The CX Tipping Point Podcast, Martha Dorris sat down with Michelle Filicetta and Laura Walker of the Social Security Administration's Prescott, Arizona field office to explore how meaningful change in government service delivery often starts at the front lines.Michelle, District Manager and 2025 Service to the Citizen Award recipient, and Laura, a Claims Specialist and 2025 Rising Star, share their journey from recognizing the need for improvement to actively transforming how services are delivered. From small, test-and-learn improvements to building leadership buy-in, they discuss how customer experience principles are transforming SSA from the inside out. They also highlight the importance of empathy in public service, including a powerful story that shows how going beyond process can truly change lives.This episode underscores the importance of delivering timely, accurate, and compassionate service—and how both career civil servants and political appointees play complementary roles in driving meaningful progress. Michelle and Laura leave listeners with a message of optimism and a call to action: meaningful transformation is possible when people are empowered to care, collaborate, and lead from where they are.Michelle can be reached at Michelle.Felicetta@ssa.gov and Laura can be reached at laura.walker@ssa.gov.Laura Walker's Service to the Citizen acceptance speech can be accessed here.Highlights from the 2025 Service to the Citizen Awards program are available here.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: @DorrisConsultingInternationalTwitter: @DorrisConsultngFacebook: @DCInternationalResources Mentioned:Citizen Services Newsletter2024 Service to the Citizen Awards Nomination Form

IMSS destaca coordinación en campaña de vacunación 75% de gasolineras ajustan precios tras revisiónZunzuncito, el colibrí más pequeño del mundoMás información en nuestro podcast#grc

In this episode, Dr Elle Wadsworth talks to Dr Michelle Priest, a research project specialist at RAND, US. The interview covers Michelle's data insight looking at psilocybin microdosing in the US with insights from a nationally representative survey.What is microdosing? [01:09]The importance of looking at the prevalence of microdosing psilocybin in the US [02:52]The state and local policy landscape of psilocybin in the US [03:35]The nationally representative survey that Michelle and colleagues used [06:20]The key findings of the study [07:15]The reasons for microdosing psilocybin [08:26]The temporality of the microdosing questions [09:30]Why people didn't know whether they microdosed [10:36]Who is microdosing psilocybin [12:02]Some surprising findings from the study [12:55]The implications of the findings for policy [14:00]The next steps in the RAND team for psychedelics [14:29]The take home messages of the study [15:32]About Elle Wadsworth: Elle is an research 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 Michelle Priest: Michelle is a policy researcher at RAND, a nonprofit, nonpartisan research organization committed to the public interest. Her work focuses on the regulation of emerging markets, especially psychedelic substances. Michelle is a mixed methods researcher with specialized skills in human-centered design and survey methodology. She has B.A.s in economics and linguistics from the University of California, Los Angeles as well as an M.Phil. and Ph.D. in policy analysis from the RAND School of Public Policy.Original article: Psilocybin microdosing in the United States: Insights from a nationally representative survey https://doi.org/10.1111/add.70368The 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.Music by Jack Shakespeare. Hosted on Acast. See acast.com/privacy for more information.

Jim and Chris discuss listener emails on Social Security claiming strategies, financial education electives for a college student, a listener PSA on podcast word counts, inheritance planning, and SEP IRA conversions. (11:15) A listener planning to delay Social Security to 70 asks whether proposed benefit caps should change that strategy. He also asks Chris for financial education course recommendations for his son at CSU. (35:45) The guys address a question from someone who discovered SSA shows zero earnings on their work record for a year they actually worked, following an overpayment dispute, and whether submitting a W-2 can correct the record and trigger retroactive back pay. (43:45) Jim and Chris share a PSA on podcast word counts, with a speaker-by-speaker breakdown to crown the King and Prince of Word Count. (49:30) A listener wants to create four separate Roth IRA accounts, each with one of their four adult children named as beneficiary, with the idea that any lifetime gifts to that child come out of their future inherited share. They ask whether this approach is more complicated than it needs to be. (1:09:30) George asks whether the money his son placed in a traditional SEP IRA can be converted to Roth, and how the IRS would treat it. The post Social Security, Inheritance Strategy, SEP IRA Conversions: Q&A#2615 appeared first on The Retirement and IRA Show.

Chris Orestis, founder & president of Retirement Genius, explains how to make more informed Social Security decisions.  Social Security is one of the most important decisions in retirement. And yet, many people approach it the same way they approach a casual conversation—based on opinions, assumptions, and what someone else did. As Chris Orestis put it, people are often making decisions based on “the myths of Social Security, not the math.” That's where things start to go wrong. Because Social Security isn't just another income source. For many retirees, it becomes a foundational piece of their financial security. In fact, Chris pointed out that for a large percentage of retirees, Social Security can represent more than half of their income. When a decision carries that much weight, guessing isn't a strategy. Why Social Security Feels So Confusing Part of the challenge is complexity. Many people aren't clear on the differences between Social Security, Medicare, and Medicaid. Others assume that because they've “paid into the system,” everything will work itself out when they need it. That assumption can be costly. Chris highlighted a broader issue: people often spend more time researching a car purchase than they do understanding the benefits that may fund decades of their retirement. That gap in understanding creates a ripple effect of poor decisions. The Decision That Locks Everything In Unlike many financial decisions, Social Security isn't easily reversible. Once you claim, you are largely locked into that decision. There is a limited “do-over” window early on, but beyond that, your choice determines your monthly benefit for life. That makes timing critical. You can claim as early as 62, but that locks in a lower lifetime benefit. Waiting until full retirement age—or even age 70—can significantly increase your monthly income. So how do you decide? It Starts with Life Expectancy Both Chris and Jeremy emphasized that the most important factor in deciding when to claim Social Security is life expectancy. You're essentially making a bet: Claim early → you're betting you won't live as long Delay benefits → you're betting you will But here's where many people go wrong. They guess. Chris pointed out that people tend to underestimate how long they'll live and overestimate how long their money will last. That combination can lead to decisions that reduce long-term income at exactly the time it's needed most. Instead of guessing, there are tools available—like longevity calculators—that can give you a more realistic estimate based on your situation. Know Your Numbers Before You Decide The second major mistake is not knowing your actual Social Security benefit. Your benefit is based on your earnings history. And the estimates provided assume you continue working until full retirement age. If you plan to retire earlier, those estimates may be overstated. That's why it's essential to go directly to SSA.gov, review your earnings history, and run projections based on your actual plan. Without that step, you're making decisions without accurate data. Coordination Changes Everything The third—and often overlooked—piece is coordination. Social Security doesn't exist in isolation. It interacts with: Other income (which can affect taxation) Earned income (which can reduce benefits before full retirement age) Medicare premiums (which are deducted directly from your benefit) For example, many people hear that “85% of Social Security is taxed” and assume that means an 85% tax rate. In reality, it means up to 85% of the benefit may be taxable, depending on your overall income. That distinction matters. Because the real outcome depends on how Social Security fits into your broader income plan. The Real Goal: Stop Guessing If there's one takeaway from this conversation, it's this: You don't have to guess. There are tools, data, and professionals available to help you make an informed decision. As Chris said, if you go into this blindly when those resources exist, “that's your bad.” In the Retire Today framework, Social Security falls under the MAKE step—creating reliable income. But how you claim it affects everything else: What you SPEND How much you KEEP after taxes How you INVEST your remaining assets What you ultimately LEAVE behind Social Security isn't just a checkbox. It's a decision that shapes your entire retirement. And it's one worth getting right. Don't forget to leave a rating for the “Retire Today” podcast if you've been enjoying these episodes! Subscribe to Retire Today to get new episodes every Wednesday. Apple Podcasts: https://podcasts.apple.com/us/podcast/retire-today/id1488769337  Spotify Podcasts: https://bit.ly/RetireTodaySpotify About the Author: Jeremy Keil, CFP®, CFA is a retirement financial advisor with Keil Financial Partners, author of Retire Today: Create Your Retirement Income Plan in 5 Simple Steps, and host of the Retirement Today blog and podcast, as well as the Mr. Retirement YouTube channel. Jeremy is a contributor to Kiplinger and is frequently cited in publications like the Wall Street Journal and New York Times. Additional Links: Buy Jeremy's book – Retire Today: Create Your Retirement Master Plan in 5 Simple Steps Chris Orestis on LinkedIn RetirementGenius.com  Chris Orestis Website “The Retirement Genius” podcast with Chris Orestis www.longevityillustrator.org  Connect With Jeremy Keil: Keil Financial Partners LinkedIn: Jeremy Keil Facebook: Jeremy Keil LinkedIn: Keil Financial Partners YouTube: Mr. Retirement Book an Intro Call with Jeremy's Team Media Disclosures: Disclosures This media is provided for informational and educational purposes only and does not consider the investment objectives, financial situation, or particular needs of any consumer. Nothing in this program should be construed as investment, legal, or tax advice, nor as a recommendation to buy, sell, or hold any security or to adopt any investment strategy. The views and opinions expressed are those of the host and any guest, current as of the date of recording, and may change without notice as market, political or economic conditions evolve. All investments involve risk, including the possible loss of principal. Past performance is no guarantee of future results. Legal & Tax Disclosure Consumers should consult their own qualified attorney, CPA, or other professional advisor regarding their specific legal and tax situations. Advisor Disclosures Alongside, LLC, doing business as Keil Financial Partners, is an SEC-registered investment adviser. Registration does not imply a certain level of skill or expertise. Advisory services are delivered through the Alongside, LLC platform. Keil Financial Partners is independent, not owned or operated by Alongside, LLC. Additional information about Alongside, LLC – including its services, fees and any material conflicts of interest – can be found at https://adviserinfo.sec.gov/firm/summary/333587 or by requesting Form ADV Part 2A. The content of this media should not be reproduced or redistributed without the firm’s written consent. Any trademarks or service marks mentioned belong to their respective owners and are used for identification purposes only. Additional Important Disclosures

Jim and Chris discuss listener emails on Social Security claiming strategies, IRMAA income adjustments, a listener PSA on the Roth five-year rule, conduit trusts for minor IRA beneficiaries and I-Bond tax reporting, and an inherited IRA passing through a trust. (10:30) George asks about the Social Security “January Rule” and whether claiming in December 2027 or January 2028 would capture the most delayed retirement credits after reaching full retirement age in May 2027. (21:00) A listener who retired early and has been performing Roth conversions asks whether he can also file an SSA-44 based on his wife’s upcoming reduction in work income, even though his conversions have been elevating their household MAGI. (31:00) The guys review a listener PSA clarifying that the fifth year of the Roth five-year rule must be completed entirely—not merely begun—before the holding period is satisfied. (39:45) Jim and Chris take a two-part question on how conduit trusts handle IRA distributions inherited by minor children, and whether the annual interest-reporting election used for EE bonds can also apply to I-Bonds. (1:06:00) A listener whose father-in-law named a trust as the IRA beneficiary — rather than the daughters directly — is getting conflicting advice on whether the IRA funds must be taken immediately or if they can spread the distributions — and the taxes — over five years. The post Social Security, 5-year Rule, Conduit Trusts, Inherited IRAs: Q&A #2614 appeared first on The Retirement and IRA Show.

Markets are down. Social media is loud. And somewhere in the back of your mind, a voice is asking if you should do something. That voice has cost investors more money than any bear market in history. Joe and OG dig into what actually separates disciplined investors from everyone panic-refreshing their brokerage account -- and how to build the guardrails that keep you from making the one mistake that derails everything you've built. What You'll Walk Away With Why the average intra-year market decline is 14% -- and what that means for how seriously you should be taking a 5% dip right now The real reason financial news channels make you feel like you need to act -- and how understanding their business model changes everything How to build a simple investment policy statement that removes emotion from the equation before the next market drop hits Why setting arbitrary calendar dates to review your portfolio might be the single most underrated investing strategy available to anyone The case for checking your portfolio less often -- including a real example of how last April's market chaos looked completely different depending on how often you were watching How to set automatic triggers that tell you when it's actually time to rebalance -- so you're never guessing in the middle of a storm A powerful perspective shift: look at your tax returns from 2003 or 2010 and then look at your balance today -- what that exercise does to your decision-making in volatile markets Why your only real job as a long-term investor is to not interrupt the compounding -- and how systems make that easier than willpower ever could A four-factor framework for calculating exactly how much emergency fund you actually need -- built around your income, job stability, reemployment risk, and expense flexibility Why the standard three-to-six month emergency fund rule is the wrong starting point -- and what a personalized risk-based approach looks like instead Why This Matters Now If you're in your 40s and you've been building toward something -- a retirement account that finally has real weight to it, a financial plan that took years to assemble -- a volatile market feels personal. Because it is. The stakes are higher than they were in your 30s and the noise is louder than ever. The investors who come out ahead aren't the ones who reacted fastest. They're the ones who had a plan written down before things got uncomfortable. From the Basement Joe and OG work through what a real investment policy statement looks like in plain language -- rules, triggers, and all. OG and Anna return with the second installment of the financial planning basics series, this time tackling exactly how much emergency fund you need using a four-factor framework that replaces the three-to-six month rule of thumb with something actually built around your life. Doug arrives with insurance trivia that is technically about premiums and practically about Joe's unregistered vehicle situation in Texarkana. Whether the basement scoreboard survived the week is a separate matter entirely. Resources Mentioned JP Morgan Guide to the Markets -- monthly research report tracking S&P 500 returns and intra-year declines (Google "JP Morgan Guide to the Markets" for the latest edition) Stock Market Maestros by Claire Flynn Levy and Lee Freeman-Shor -- referenced throughout; available wherever books are sold SSA.gov -- Social Security earnings history lookup, referenced as a tool for tracking long-term financial progress Stacking Benjamins Scorecard -- rate your overall financial strategy at stackingbenjamins.com/scorecard Stacking Benjamins Vault -- budgeting and net worth tracking tool at stackingbenjamins.com/vault Stacking Benjamins Voicemail -- share your investment policy statement questions at stackingbenjamins.com/voicemail Stacking Benjamins Meetups -- find a group near you at stackingbenjamins.com/bad FULL SHOW NOTES: https://www.stackingbenjamins.com/how-to-protect-your-money-for-when-times-turn-bad-1822/ Deeper dives with curated links, topics, and discussions are in our newsletter, The 201, available at https://www.stackingbenjamins.com/201 Enjoy! Learn more about your ad choices. Visit podcastchoices.com/adchoicesSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Markets are down. Social media is loud. And somewhere in the back of your mind, a voice is asking if you should do something. That voice has cost investors more money than any bear market in history. Joe and OG dig into what actually separates disciplined investors from everyone panic-refreshing their brokerage account -- and how to build the guardrails that keep you from making the one mistake that derails everything you've built. What You'll Walk Away With Why the average intra-year market decline is 14% -- and what that means for how seriously you should be taking a 5% dip right now The real reason financial news channels make you feel like you need to act -- and how understanding their business model changes everything How to build a simple investment policy statement that removes emotion from the equation before the next market drop hits Why setting arbitrary calendar dates to review your portfolio might be the single most underrated investing strategy available to anyone The case for checking your portfolio less often -- including a real example of how last April's market chaos looked completely different depending on how often you were watching How to set automatic triggers that tell you when it's actually time to rebalance -- so you're never guessing in the middle of a storm A powerful perspective shift: look at your tax returns from 2003 or 2010 and then look at your balance today -- what that exercise does to your decision-making in volatile markets Why your only real job as a long-term investor is to not interrupt the compounding -- and how systems make that easier than willpower ever could A four-factor framework for calculating exactly how much emergency fund you actually need -- built around your income, job stability, reemployment risk, and expense flexibility Why the standard three-to-six month emergency fund rule is the wrong starting point -- and what a personalized risk-based approach looks like instead Why This Matters Now If you're in your 40s and you've been building toward something -- a retirement account that finally has real weight to it, a financial plan that took years to assemble -- a volatile market feels personal. Because it is. The stakes are higher than they were in your 30s and the noise is louder than ever. The investors who come out ahead aren't the ones who reacted fastest. They're the ones who had a plan written down before things got uncomfortable. From the Basement Joe and OG work through what a real investment policy statement looks like in plain language -- rules, triggers, and all. OG and Anna return with the second installment of the financial planning basics series, this time tackling exactly how much emergency fund you need using a four-factor framework that replaces the three-to-six month rule of thumb with something actually built around your life. Doug arrives with insurance trivia that is technically about premiums and practically about Joe's unregistered vehicle situation in Texarkana. Whether the basement scoreboard survived the week is a separate matter entirely. Resources Mentioned JP Morgan Guide to the Markets -- monthly research report tracking S&P 500 returns and intra-year declines (Google "JP Morgan Guide to the Markets" for the latest edition) Stock Market Maestros by Claire Flynn Levy and Lee Freeman-Shor -- referenced throughout; available wherever books are sold SSA.gov -- Social Security earnings history lookup, referenced as a tool for tracking long-term financial progress Stacking Benjamins Scorecard -- rate your overall financial strategy at stackingbenjamins.com/scorecard Stacking Benjamins Vault -- budgeting and net worth tracking tool at stackingbenjamins.com/vault Stacking Benjamins Voicemail -- share your investment policy statement questions at stackingbenjamins.com/voicemail Stacking Benjamins Meetups -- find a group near you at stackingbenjamins.com/bad FULL SHOW NOTES: https://www.stackingbenjamins.com/how-to-protect-your-money-for-when-times-turn-bad-1822/ Deeper dives with curated links, topics, and discussions are in our newsletter, The 201, available at https://www.stackingbenjamins.com/201 Enjoy! Learn more about your ad choices. Visit podcastchoices.com/adchoices

In this episode of the Successful Stylist Academy podcast, Ambrosia Carey breaks down what a recession actually means for hairstylists and salon owners, and how to respond without spiraling, underpricing, or making reactive business decisions. If clients are stretching appointments, asking more questions about cost, or simplifying services, this episode will help you understand what is happening and what to do next. Ambrosia explains why the beauty industry is often more resilient than other discretionary industries, how the "lipstick effect" applies to salon services, and why intentional spending does not automatically mean clients stop caring about their hair. She shares practical ways to strengthen retention, improve service structure, protect revenue, and communicate value more clearly during uncertain economic seasons. This conversation is especially important for hairstylists early in their careers, salon owners leading a team, and any beauty professional who wants to build a business that stays steady even when the economy feels unpredictable. Rather than operating from fear, this episode invites you to lead with clarity, strong systems, and smarter decision making. Get GlossGenius at 50% off with Code SUCCESSFUL & enjoy Gold or Platinum:http://glossgenius.com/successfulstylist Join the SSA LAB now & get instant access to our tools & videos: https://stan.store/ambrosiacarey/p/join-the-ssa-lab-625nfqyp Get our FREE Marketing Guide Here: https://small-kiwi-98108.myflodesk.com/ke6k90nlq2 Key Take-aways: 1. A recession simply means the economy slows down, spending becomes more intentional, and clients tend to delay or simplify purchases rather than stop spending altogether. 2. The beauty industry is not completely recession proof, but it has historically been more resilient than many other discretionary industries because hair is tied to confidence, identity, visibility, and routine maintenance. 3. When the economy tightens, clients often stretch appointments, simplify services, and ask more questions about cost, which means hairstylists need to offer thoughtful solutions instead of taking those shifts personally. 4. Marketing matters even more during uncertain times because clearly attracting and retaining ideal clients creates stronger relationships, better referrals, and more stability behind the chair. 5. Retention is more valuable than constant acquisition during economic slowdowns, and rebooking, follow up, personalization, and strong communication can stabilize income faster than chasing new clients. 6. Instead of lowering prices first, hairstylists can adjust the structure of their services by offering maintenance options, microservices, express appointments, or lower commitment versions of existing services. 7. Clients often need flexibility more than they need lower pricing, and hairstylists who clearly explain value, longevity, and strategic options are more likely to retain trust and loyalty. 8. Strong systems matter more than headlines, and slow seasons often expose weak points in consultations, cancellation enforcement, menu clarity, retail recommendations, and scheduling structure. 9. The most important numbers to track during uncertain times are average monthly revenue, average ticket, rebooking rate, and monthly break-even so you can respond from facts instead of fear. 10. Salon owners play a critical leadership role during economic pressure, and calm, clear communication helps stabilize teams far more effectively than panic pricing or reactive decisions. 11. Long-term salon success comes from steady systems, strong communication, clear numbers, and a willingness to adapt strategically rather than emotionally when the economy shifts. Enjoy 15% off our favorite skincare line, Pharmagel with code SSA 15: https://pharmagel.net/?ref=SSA15 If you prefew video, we are also on YouTube: http://www.youtube.com/@successfulstylist      

Andrew grew up in the shadow of his older brothers and disconnected from his father. Paired with early pornography exposure, he developed an incomplete and insecure understanding of his masculinity, which manifested in same-sex attractions. However, several key events, including some important risks, helped him better understand his God-given masculinity and sexuality -- to the point where he's now happily married with children and helping others with their sexual brokenness. Desert Stream website: https://www.desertstream.org/NEW: Check out our Merch store! https://shop.lilaroseshow.com/Join our new Patreon community! https://patreon.com/lilaroseshow - We'll have BTS footage, ad-free episodes, and early access to our upcoming guests.A big thanks to our partner, EWTN, the world's leading Catholic network! Discover news, entertainment and more at https://www.ewtn.com/ Check out our Sponsors:-Seven Weeks Coffee: https://www.sevenweekscoffee.com Buy your pro-life coffee and Save up to 25% with promo code 'LILA' & get a free gift: http://www.sevenweekscoffee.com-Hallow: https://www.hallow.com/lila Enter into prayer more deeply this Lenten season with the Hallow App, get 3 months free by using this link to sign up! -We Heart Nutrition: https://www.weheartnutrition.com/ Get high quality vitamin supplements for 20% off using the code LILA. -EveryLife Women: https://www.everylife.com/lila Buy diapers and women's health products from an amazing company and use code LILA to get 10% off!00:00:00 - The path toward same-sex attractions00:05:00 - Early exposure to porn00:07:16 - First identification as 'gay'?00:11:20 - First memory of SSA?00:21:05 - "Unsafe" Masculinity Is a Good Thing00:27:16 - Advice for parents:00:41:06 - The importance of consistency00:48:00 - Coming to faith00:51:43 - Best thing I ever did:00:56:46 - What happened in therapy?01:07:38 - Once gay always gay?01:14:47 - Starting Desert Stream ministry

Jim and Chris discuss listener emails on PSAs regarding IRMAA reimbursements, RMD in-kind transfers, and naming a conduit trust as a retirement account beneficiary. (8:15) A listener shares a PSA that an IRMAA reimbursement was applied as a credit balance drawn down over several months rather than a lump sum. (17:00) The guys discuss a listener PSA on SSA-44 filing: when income is underestimated and IRMAA is owed, Medicare reconciles the difference the following November or December with no penalties or interest assessed. (33:45) George asks whether an RMD can be satisfied through an in-kind transfer of mutual funds to a brokerage account, and whether only a portion needs to be sold to cover the tax bill. (46:00) Jim and Chris take up a listener question about naming a conduit trust as a contingent beneficiary for retirement accounts, kicking off Part 1 of a broader discussion on see-through and conduit trusts — what each structure is, how they differ, and what happens when an IRA names a trust as its beneficiary. They begin exploring the tax implications and planning considerations involved, noting that these arrangements can create both benefits and unintended complications depending on how they’re set up. The conversation will continue on the next week’s Q&A episode, where they’ll complete this listener’s question and address additional questions received on the topic. The post IRMAA, RMDs, Conduit Trust: Q&A #2610 appeared first on The Retirement and IRA Show.