Podcasts about SSA

The Social Security Fairness Act, which was signed into law at the start of 2025, has been in effect for about nine months since this game-changing legislation repealed both the Windfall Elimination Provision and the Government Pension Offset, restoring and increasing Social Security benefits for millions of retirees, especially teachers and public employees who worked in jobs exempt from Social Security. In this episode, I discuss exactly who qualifies for these newly restored benefits, explain how the Social Security Administration is handling the rollout, and give you a step-by-step guide on what to do if you haven't received your payment yet. I'll also walk you through critical tax changes you'll need to consider if you're now receiving this extra income, and practical strategies to avoid any nasty tax surprises at the end of the year.  You will want to hear this episode if you are interested in... [02:26] Social Security Fairness Act overview and impact. [05:57] Who is eligible for Windfall Elimination Provision (WEP) or Government Pension Offset (GPO). [07:35] Applying for your benefits. [08:16] How much Social Security becomes taxable. [11:09] Increasing withholding on pensions, IRA, 401(k), or earned income. What Is the Social Security Fairness Act? Signed into law by President Biden in January 2025, the Social Security Fairness Act has restored benefits for millions of retirees who were previously penalized due to their employment in jobs that were exempt from Social Security taxes. These roles frequently include teachers and certain municipal or state employees. For years, retirees in those positions received a reduced Social Security benefit due to provisions known as the Windfall Elimination Provision (WEP) and Government Pension Offset (GPO). Windfall Elimination Provision (WEP): Affected individuals who worked in both Social Security-covered and non-covered jobs, resulting in a reduced Social Security benefit. Government Pension Offset (GPO): Reduced the spousal or survivor Social Security benefit for those receiving a government pension from non-covered employment (like teachers in Connecticut). With the repeal of these two provisions, retirees are now eligible to receive their full Social Security benefit, as well as the entirety of their eligible spousal or survivor benefits, regardless of their pension amount. Who Is Impacted? The Act primarily benefits retirees who worked in state or municipal jobs excluded from Social Security wage contributions (think teachers, police, firefighters, or other state employees in certain states). It also helps spouses or survivors of such retirees, who, under the GPO, were denied or saw dramatic reductions in their spousal/survivor benefits. As an example, if a teacher in Connecticut was receiving a $3,000/month pension, they were previously eligible for only a fraction of their spouse's Social Security survivor benefit. Now, with the Act's passage, they can receive the full amount, eliminating a significant hardship for many families. The Social Security Administration has processed around 3.1 million payments, exceeding prior estimates, and paid out approximately $17 billion. However, some eligible recipients have yet to see increases, particularly those who never filed because they believed they wouldn't qualify. What Should You Do If You're Eligible? If you haven't received a payment adjustment, you might be missing out on thousands of dollars. File or Re-file: Eligible recipients should visit SSA.gov to update or submit a new application for benefits. Check Your Status: Even if you're not currently receiving Social Security, consult the SSA to determine your eligibility for individual, spousal, or survivor benefits, especially once you reach full retirement age (typically between 66-67). Lots of people have been automatically credited and are receiving retroactive payments, but those who never applied in the first place due to WEP and GPO restrictions must now take proactive steps. Tax Implications of Increased Social Security Benefits More income is always welcome, but it may come with new tax responsibilities. Here's what you need to know: Social Security Taxation Basics: Taxability depends on your total income: adjusted gross income (AGI), plus half of your Social Security benefit, plus tax-exempt interest. Generally, married couples with less than $32,000 combined income owe no tax on Social Security, and between $32,000 and $44,000, up to 50% of benefits may be taxable, then over $44,000, up to 85% of benefits can be taxable. For individuals, the thresholds are $25,000 and $34,000. Avoid Surprises by adjusting your tax withholding, either by filing IRS Form W-4V for Social Security, or updating withholdings on pensions or retirement accounts. You may also make quarterly estimated payments, especially if you live in a state with income tax. Social Security does not withhold state income taxes, so plan accordingly to avoid penalties and interest. With these changes, it's more important than ever to review your retirement plan and tax strategy. Speak to a qualified accountant and financial advisor to ensure you are maximizing your benefits and staying compliant with tax requirements. Resources Mentioned Retirement Readiness Review Subscribe to the Retire with Ryan YouTube Channel Download my entire book for FREE  Social Security  Connect With Morrissey Wealth Management  www.MorrisseyWealthManagement.com/contact   Subscribe to Retire With Ryan

INE aprueba voto electrónico e internet en Coahuila para 2026 UNAM refuerza protocolos de seguridad tras ataque en CCH SurEU deportará a 400 iraníes como parte de campaña migratoria de TrumpMás información en nuestro podcast

The Hostile Zone No One Left Behind: Disability, Disaster, and the Fight for Justice Guest: Darren Dione Aquino – National Chief Advocate, ADA Advocates Hosts: Eric A. Cinotti (Eric Andrew Cinotti | Eric Cinotti) & Bianca Sea Where to Watch & Listen The Hostile Zone on iHeartRadio The Hostile Zone on Spotify The Hostile Zone on Audible The Hostile Zone on Google Podcasts (search “Eric A. Cinotti The Hostile Zone”) Watch on BBS Radio TV Cinotti Nation Radio (CNR) on iHeart Media Related Show: Eric A. Cinotti: Unplugged Unplugged on iHeartRadio Unplugged on Spotify Unplugged on Audible Unplugged on BBS Radio TV Episode Summary This episode of The Hostile Zone, hosted by Eric A. Cinotti (also known as Eric Andrew Cinotti and Eric Cinotti) with co-host Bianca Sea, confronts America's silent crisis: the abandonment of disabled citizens during disasters. Guest Darren Dione Aquino, a 9/11 survivor and ADA civil rights advocate, exposes the failures of FEMA, DHS, SSA, and VA to protect the disabled. He discusses ADA Advocates' Rapid Response Division, his decision to walk away from the NYC mayoral race, and the collapse of ADA enforcement. This is more than awareness—it is legal enforcement, and it is survival. Talking Points Rapid Response: Why Darren built the unit FEMA wouldn't. Walking Away from Politics: Why leaving the mayoral race opened greater doors. ADA Enforcement Collapse: Who's responsible for hollow Title II enforcement. Disaster Abandonment: Why disabled citizens are left to die. Civil Rights vs. Charity: Why the ADA is federal law—not optional kindness. Quotes “Justice will not be served until those who are unaffected are as outraged as those who are.” — Benjamin Franklin “The moral test of government is how it treats those who are in the dawn of life, the twilight of life, and the shadows of life.” — Hubert H. Humphrey Call to Action 360x365—If you're waiting for someone else to show up, you're already too late. Demand real ADA enforcement. Support the forgotten. Build the plan no one else is building. Connect & Follow Eric A. Cinotti (Eric Andrew Cinotti | Eric Cinotti): EricACinotti.com | EricAndrewCinotti.com | TheHostileZone.me Linktree Hub IMDb Profile | Audible Host Page Email: Eric@EricAndrewCinotti.com | Eric@TheHostileZone.com Bianca Sea: Bianca Sea Official Recording Artist | Author of Maternal Leadership & Modern Elegance Co-Host of The Hostile Zone Closing Humor “They say disaster preparedness is for everyone—unless you're in a wheelchair. Then apparently it's BYOB: Bring Your Own Bulldozer. SEO & Suppression Keywords Eric A. Cinotti | Eric Andrew Cinotti | Eric Cinotti | The Hostile Zone | Eric A. Cinotti: Unplugged | Cinotti Nation | Cinotti Nation Radio | Bianca Sea | Darren Dione Aquino | ADA Advocates | ADA enforcement | disaster preparedness | disability rights | iHeartRadio host | syndicated broadcaster | CLE instructor | national security analyst | lawyer | mediator | professor | syndicated radio host

Pronostican lluvias fuertes y granizo en el Valle de México este martes  Presumen Sheinbaum premio a Refinería Dos Bocas                                                                                                                                                                               Secretaría de Salud llama a reforzar vacunación contra sarampión en niños  Más información en nuestro podcast

Subsecretario de Salud acusa a más de 30 farmacéuticas de incumplir abasto  Israel advierte que no permitirá entrada de flotilla humanitaria a Gaza  En Asia los grillos son símbolos de prosperidad y buena suerte  Más información en nuestro podcast

Learn how to prepare your finances for fall and support aging parents who have limited retirement savings. How can you check in on your finances this fall? What's the best way to help parents with little savings retire? Hosts Sean Pyles and Elizabeth Ayoola explain how you can give yourself a fall financial check-in before they answer a listener's question about supporting aging parents. They begin with a discussion of fall planning and open enrollment season, with tips for using this year's health costs to choose next year's plan, reviewing IRA/401(k) contributions and allocations, and setting a realistic holiday budget while tracking travel prices. Then, NerdWallet lead writer Kate Ashford joins Sean and Elizabeth to discuss how a listener can support their aging parents who haven't saved much. They discuss how to start sensitive money talks, navigate Medicare vs. Medicare Advantage (plus SHIP and Medicaid resources), and practical ways to help, including how to cover specific bills, explore subsidized senior housing, and avoid raiding your own retirement fund in order to help. See the latest rates in NerdWallet's roundups of the best high-yield savings accounts: https://www.nerdwallet.com/m/banking/standout-online-savings-accounts-2  Read NerdWallet's 2024 Financially Assisting Aging Parents Report: https://www.nerdwallet.com/article/finance/2024-financially-assisting-aging-parents-report  Want us to review your budget? Fill out this form — completely anonymously if you want — and we might feature your budget in a future segment! https://docs.google.com/forms/d/e/1FAIpQLScK53yAufsc4v5UpghhVfxtk2MoyooHzlSIRBnRxUPl3hKBig/viewform?usp=header In their conversation, the Nerds discuss: open enrollment, Medicare vs Medicare Advantage, Social Security benefits, holiday budget, IRA contribution limits, 401(k) contribution limit, high-yield savings accounts, emergency fund, claiming parents as dependents, subsidized senior housing, State Health Insurance Assistance Program (SHIP), retirement planning checklist, talking to parents about money, healthcare plan comparison, out-of-pocket maximum, Summary of Benefits and Coverage, Roth IRA vs Traditional IRA, SSA account estimate, travel prices Thanksgiving, Christmas flight prices, budget for gifts, avoid 401(k) loans, elder law attorney, support aging parents financially, pay parents' bills vs cash, cost of Medicare Advantage networks, housing downsize for retirees, public benefits for seniors, SNAP for seniors, utility assistance programs, property tax relief seniors, high-yield savings rate 4 percent, set savings buckets, wedding budget overrun, and school-year child care costs. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email podcast@nerdwallet.com. Like what you hear? Please leave us a review and tell a friend. Learn more about your ad choices. Visit megaphone.fm/adchoices

Have a comment? Send us a text! (We read all of them but can't reply). Email us: Will@faithfulpoliticspodcast.comWhy are nearly half of Gen Z unaffiliated with organized religion—and what does that mean for campuses wrestling with conscience and rights? Kevin Bolling, Executive Director of the Secular Student Alliance, joins Will and Josh to unpack the lived reality behind the headlines: church–state separation, “10 Commandments in classrooms,” chaplains replacing counselors, school vouchers, and the legal fights around drag shows and student speech. From Texas organizing to LGBTQ student protections, Kevin shares how secular and religious students often work together to protect religious liberty for all, even as white Christian nationalism reshapes public policy. We also explore the family side of belief change—how parents and students can navigate identity, community, and care without coercion. Learn more: https://secularstudents.orgGuest BioKevin Bolling is Executive Director of the Secular Student Alliance (SSA), serving since 2017. He's a veteran nonprofit leader with two decades of experience in student organizing, higher-ed programs, and civil society advocacy, focused on church–state separation, LGBTQ inclusion, and student leadership. Under his leadership, SSA supports chapters nationwide across high schools, colleges, and virtual communities. Support the show

Aumenta a 27 las víctimas por explosión de pipa en Iztapalapa  Abogados rechazan reforma a la Ley de Amparo  Hamás denuncia millón de desplazados en Gaza  Más información en nuestro podcast

In this episode, Dr Tsen Vei Lim speaks to Dr Wei Deng, an assistant professor from McMaster University and St Joseph's Healthcare Hamilton, Canada. The interview covers the research article Wei led examining externalising as a common genetic influence for a broad spectrum of substance use and behavioural conditions using a large UK longitudinal dataset.‘Externalising' is a type of outward-directed behavioural expression, such as risky substance use, aggression, and hyperactivity. ‘Polygenic risk scores' are numbers that estimate a person's inherited risk for a disease, trait, or condition (in this case, addiction) based on the presence of many genetic variants. · Why studying genetics is important for addiction [01:12]· How we study the genetics of addiction [01:57]· Polygenic risk scores and their importance in addiction [3:49]· The origin of Wei's research questions [05:32]· The headline findings of the paper [08:06]· How the findings affect the way we currently think about addiction [09:22]· Common genetic components shared between behavioral and substances addictions [11:11]· The importance of the environment in the genetic risks of addiction [13:15]· How the findings can contribute to clinical practice [13:37]· How big data and artificial intelligence (AI) can help us understand addiction [14:42]· The exploration of whether genetic factors are the root cause of addiction [18:06]About Tsen Vei Lim: Dr Lim 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 Wei Q Deng: Dr Deng is a statistical scientist who investigates how genes, brain function, and environment shape long-term health risks. Her research focuses on delay discounting and related self-regulation processes that influence decisions about health, substance use, and long-term planning. She studies how these traits contribute to addiction and chronic conditions like diabetes and heart disease. Using large-scale data and molecular tools, she uncovers why some people are more vulnerable and how those risks can be reduced. Based at McMaster University and St Joseph's Healthcare Hamilton, she leads interdisciplinary projects bridging genomics, behavior, and public health.Original article: Externalizing as a common genetic influence for a broad spectrum of substance use and behavioural conditions: a development perspective from the Avon Longitudinal Study of Parents and Children. https://doi.org/10.1111/add.70163The 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.

Send us a text◆ Bank issuers and investors anticipate EBA report on regulatory equivalence ◆ Mediobanca enters its Monte dei Paschi era ◆ The case for not keeping Russia's moneyThe bank finance industrial complex descended on Seville this week for the European Covered Bond Council Plenary, FT Live's Covered Bond Congress and GlobalCapital's Covered Bond Awards.This annual series of events captures more than just what is happening in the covered bond market and has become a major date for anyone involved in how banks finance themselves. But one key area of debate was how different regulatory regimes will treat the asset class. Florian Eichert, head of covered bond and SSA research at Crédit Agricole joined us to discuss the latest developments.Meanwhile, Mediobanca is adjusting to life as part of the Banca Monte dei Paschi family. We discuss how the Italian investment bank will adjust to its new owners.Finally, we examine whether calls to seize Russian assets held within the EU are all that smart and what the risks of doing so might be.

Most investors chase deals on LoopNet or wait for brokers to call them back. The problem? By the time you see the listing, you're already too late. The best storage deals never hit the market, they're sitting with owners who don't even realize they're ready to sell. In this episode, Alex Pardo continues his 6-part series on the 16 proven methods for finding off-market storage deals. This is Part 3, where he reveals three of his most powerful strategies: direct mail that actually works, raising relationship capital, and networking your way into deals most people never hear about. These aren't gimmicks, they're repeatable systems that have created six- and seven-figure opportunities for Alex and his students. Want to shortcut your learning curve?  You'll Learn How To: Run direct mail campaigns that owners actually respond to Build relationship capital so deals naturally flow your way Turn casual conversations into off-market opportunities Use networking groups and associations to position yourself as the go-to storage buyer Create a follow-up system that keeps you top of mind with motivated sellers What You'll Learn in This Episode:  [00:00] Why starting small beats blasting thousands of mailers [01:00] Direct mail best practices that still work in 2025 [05:00] The $150K profit deal Alex closed from one letter [08:00] Why relationship capital is more valuable than money [13:00] Real success stories from Storage Wins members who used this approach [18:00] The networking formula: conversations → conversions → contracts → cash [21:00] Where to network (BNI, SSA, REI groups, chambers, and more) [22:00] How to stand out and be remembered after every new connection [24:00] Why you only need 1–2 strategies to get consistent results Who This Episode Is For: New investors who want a step-by-step roadmap to their first facility Operators who are frustrated by overpriced, broker-listed deals Anyone ready to build consistent deal flow without burning out   Why You Should Listen: This episode gives you three more powerful ways to uncover hidden storage deals and gain a serious advantage over the competition. Instead of fighting over scraps, you'll learn how to create your own pipeline of opportunities, build trust with owners, and buy right, so you can grow your portfolio with less stress and more upside. Follow Alex Pardo here: Alex Pardo Website: https://alexpardo.com/ Alex Pardo Facebook: https://www.facebook.com/alexpardo15 Alex Pardo Instagram: https://www.instagram.com/alexpardo25 Alex Pardo YouTube: https://www.youtube.com/@AlexPardo Storage Wins Website: https://storagewins.com/ Have conversations with at least three to give storage owners, brokers, private lenders, and equity partners through the Storage Wins Facebook group. Join for free by visiting this link: https://www.facebook.com/groups/322064908446514/

"By mapping fiber optic cables accurately, we can transform them into dense seismic arrays. This opens the door to city-scale imaging and monitoring." Haipeng Li explains how distributed acoustic sensing (DAS) can turn existing urban fiber optic cables into powerful seismic arrays for near-surface imaging and monitoring. By using everyday traffic and ambient noise, his team can track groundwater changes, detect geohazards, and study fault structures without costly field deployments. This approach offers a new way for geophysicists, engineers, and city planners to work together for safer, more resilient urban environments. KEY TAKEAWAYS > Existing fiber optic cables can be transformed into dense, city-scale seismic arrays using DAS technology. > Vehicle-induced seismic waves provide highly repeatable data for monitoring small subsurface changes, while ambient noise helps extend imaging depth. > Urban DAS monitoring can reveal how infrastructure affects groundwater recharge and can support hazard assessment and infrastructure planning. GUEST BIO Haipeng Li is a third-year Ph.D. candidate in the Geophysics Department at Stanford University, advised by Biondo Biondi in the Stanford Earth Imaging Project (SEP). His research centers on spatiotemporal subsurface monitoring, with a focus on developing efficient and robust time-lapse seismic waveform inversion methods and uncertainty quantification approaches. He applies these techniques to real-world challenges such as geological CO2 sequestration for the energy transition and groundwater monitoring in urban environments, often leveraging Distributed Acoustic Sensing (DAS) data. He is a student member of the AGU, SSA, and SEG. LINKS * Haipeng Li, Jingxiao Liu, and Biondo L. Biondi, (2025), "Near-surface imaging and monitoring enabled by urban distributed acoustic sensing seismic arrays," The Leading Edge 44: 588–597. - https://doi.org/10.1190/tle44080588.1

Otra vez Hacienda no otorga estímulo fiscal a las gasolinas Destaca Mario Delgado que la Educación tendrá más presupuesto  Rescatan con vida a 6 personas que quedaron atrapados en mina en ColombiaMás información en nuestro podcast

Sheinbaum lamenta la tragedia en Puente La Concordia Toluca despliega mil 300 policías por fiestas patriasMilei veta ley que aumentaba fondos a universidadesMás información en nuestro podcast

Repunta la pobreza por ingresos en México en agosto CDMX suma 234 nuevos agentes de investigación Amenaza de seguridad suspende clases en 3 universidades de EU Más información en nuestro podcast

Brady Cone sits down with Andrew Rodriguez, founder of Integrity Christian Counseling and host of the Psycho Bible podcast, to unpack SSA, shame, Side-B identity, marriage readiness, gender ideology, and how parents can disciple kids without compromise—or cruelty. It's practical, biblical, and unflinchingly honest.

C'est un nouveau séisme dans la cybersécurité américaine. Une plainte explosive met en cause le DOGE, un organisme controversé composé d'anciens employés d'Elon Musk nommés sous l'administration Trump. Selon le lanceur d'alerte Charles Borges, responsable des données à la Social Security Administration, le DOGE aurait transféré en juin dernier une base de données ultra-sensible vers un serveur cloud non sécurisé.Son nom : le Numerical Identification System. Cette base renferme les informations personnelles de millions d'Américains : noms, numéros de sécurité sociale, données financières, voire diagnostics de santé. Autrement dit, un trésor pour les cybercriminels. Dans sa plainte, Borges alerte : ces informations pourraient devenir accessibles au public si le DOGE décidait d'ouvrir l'accès à ces serveurs. Il parle d'un risque d'« impact catastrophique », allant jusqu'à devoir réattribuer de nouveaux numéros de sécurité sociale à 450 millions de personnes.Le contexte juridique complique encore l'affaire. En mars, une ordonnance fédérale avait restreint l'accès du DOGE à ces données. Mais la Cour suprême a levé ce blocage le 6 juin. Quelques jours plus tard, Aram Moghaddassi, directeur informatique du DOGE, validait le transfert malgré l'absence de contrôle indépendant. Il affirmait avoir « accepté tous les risques » au nom de l'efficacité opérationnelle. Un feu vert confirmé par Michel Rousso, autre haut responsable du DOGE. Du côté des autorités, la défense s'organise. Nick Perrine, porte-parole de la SSA, assure que ces données sont stockées « dans des environnements sécurisés », isolés d'internet, et uniquement accessibles à des responsables triés sur le volet. Autrement dit : aucun risque réel de compromission.Mais la plainte de Charles Borges met en lumière une inquiétude grandissante : la gouvernance des données personnelles aux États-Unis. Depuis janvier, le DOGE a pris le contrôle de plusieurs départements fédéraux et de leurs bases de données. Et déjà, les critiques pleuvent sur ses pratiques en matière de cybersécurité. À la Maison Blanche, on botte en touche : la porte-parole Elizabeth Huston redirige vers la SSA et refuse de dire si l'administration Trump était informée. Mais une chose est sûre : cette affaire rouvre le débat brûlant sur la protection des données des citoyens américains. Hébergé par Acast. Visitez acast.com/privacy pour plus d'informations.

Tren choca contra camioneta en Michoacán; tres muertos Sabías que...México tiene más de 5 mil colonias y vialidades llamadas IndependenciaCorea del Sur anuncia liberación de trabajadores detenidos en GeorgiaMás información en nuestro podcast

Ralph welcomes Palestinian-American writer, activist, and scientist Susan Abulhawa to discuss the ongoing Palestinian genocide and the evidence that supports a vastly higher death toll in Gaza.Susan Abulhawa is a Palestinian-American writer and political activist. She is the author of Mornings in Jenin—translated into thirty languages—and The Blue Between Sky and Water. Born to refugees of the Six Day War of 1967, she moved to the United States as a teenager, graduated in biomedical science, and established a career in medical science. In July 2001, she founded “Playgrounds for Palestine,” a non-governmental children's organization dedicated to upholding the Right to Play for Palestinian children.I consider this, first of all, immoral. It's disrespecting the Palestinian dead while they kill the Palestinians who are still alive with US bombers and artillery shells and other weapons coming from Washington, D.C. And it underestimates the kind of urgency that should be confronting this genocide.Ralph NaderThis is something that I think generations will study for a very long time to come. The complicity of Western media across the board is no less criminal than the genocide itself.Susan AbulhawaThis is a complete wiping out of life. A total destruction. And it's completely driven by this unfathomable hate and colonial arrogance and Jewish supremacy and this notion of entitlement. Of being favored by God, of being promised some real estate by a real-estate-agent Lord. I mean, it beggars belief the narratives that we see spoken in mainstream outlets and in the halls of power. Truly, it beggars belief.Susan AbulhawaNo, I don't believe Israel has a right to exist. It has never had a right to exist. No political entities have a right to exist. People have a right to exist. They have a right to exist in their own homeland with dignity. People have a right to universal dignity. A supremacist ideology—and that's ultimately what Zionism is predicated on, on supremacy and entitlement for a group of people at the detriment of another group of people—that is not a right, and it should never be a right. It should be anathema, in fact.Susan AbulhawaNews 9/5/25* The Intercept reports AIPAC has lost another Democratic ally in Congress. Congresswoman Deborah Ross of North Carolina has pledged that she will not accept AIPAC campaign contributions in her 2026 reelection bid. In previous elections, Ross has accepted over $100,000 in AIPAC donations. This comes on the heels of another North Carolina Congresswoman, Valerie Foushee – who received over $800,000 in AIPAC contributions – also renouncing donations from the group. As the Intercept notes, in June, the North Carolina Democratic Party adopted a resolution calling for a “complete arms embargo on all military aid to Israel until it ends its apartheid rule of Palestinians.” Dr. Paul McAllister, a reverend and chair of the Interfaith Caucus of the North Carolina Democratic Party, is quoted saying “AIPAC uses the muscle of their resources to oust anyone who disagrees with them regarding Israel, the conduct of Israel and the atrocities that may be committed by the government of Israel — so it is good that Deborah Ross is willing to recognize and acknowledge that.”* In more Israel news, a new aid flotilla bound for Gaza departed from Genoa, Italy last Sunday. Unlike previous flotillas however, this one carries the protection of a surprising group: Italian dockworkers. According to POLITICO EU, “Speaking at a rally on the docks of Genoa, one of Europe's largest ports, a dockworker representing the USB union said…‘Around mid-September, these boats will arrive near the coast of Gaza. If we lose contact with our boats, with our comrades, even for just 20 minutes, we will shut down all of Europe.'” Genoa has expressed unprecedented solidarity with Gaza. A food drive in the city collected “more than 300 tons of humanitarian aid…[and] over 40,000 people, including the city's mayor, Silvia Salis, joined a torchlit march through the streets in support of the [humanitarian flotilla on Saturday].” During the procession, Salis remarked “Every day I am proud to be the mayor of this city, but tonight, if possible, I am even more so.”* In yet another Israel story, Tom Artiom Alexandrovich, an Israeli cybersecurity apparatchik, who was arrested in August during an undercover operation “targeting child sex predators,” failed to appear for his court date in Nevada. Alexandrovich fled to Israel after being bailed out of jail in the U.S.; his lawyer, David Chesnoff, told the court that he told Alexandrovich not to attend the hearing. Judge Barbara Schifalacqua is now demanding that Alexandrovich appear before the court this week, but it remains to be seen whether he will actually show. This case has become politicized, with liberals and conservatives accusing one another of allowing Alexandrovich to flee the country. The government of Israeli Prime Minister Benjamin Netanyahu falsely denied that Alexandrovich was arrested at all. This from Al Jazeera.* In more sex predator news, Representatives Ro Khanna, Thomas Massie and Marjorie Taylor-Greene held a press conference this week with survivors of abuse at the hands of Jeffrey Epstein to push for full disclosure of the Justice Department's files on the case. At this conference, survivors also said they will release their own list of names. This comes amidst a renewed push for Congressional action spearheaded by the survivors. On Tuesday, the House Oversight Committee released a batch of records, but most of these have been made public before. The survivors met with lawmakers this week, including Speaker Mike Johnson, who said “I think the Oversight probe is going to be wide and expansive, and they're going to follow the truth wherever it leads,” per the Washington Post. Congresswoman Nancy Mace was also seen emerging from a meeting with the survivors visibly upset, though we do not know what exactly was discussed in this meeting. What is clear is that the Epstein story is not going away any time soon.* In local news, the National Guard has shared a statement with CBS News' Scott MacFarlane in which they boast that, “Guardsmen have cleaned more than 3.2 miles of roadways, collected more than 500 bags of trash, and disposed of three truckloads of plant waste.” Looking beyond the absurdity of deploying the National Guard to pick up trash, Samuel Littauer, Commissioner of ANC 3C01 – a local government district in Washington – crunched the numbers and found that “DC's cleaning crews cover around 81 miles/day for around $150K/day… [while the] National Guard has cleaned a total of 3.2 miles and costs more than $1M/day.” This means, “It's about 170X more cost efficient per mile to fund DC's existing work.”* Yet, despite the staggering inefficiency of the federal occupation – to say nothing of the outrageous, authoritarian government overreach – D.C. Mayor Muriel Bowser has signed an order outlining how the District will “continue to work with the U.S. Marshals Service, the FBI, U.S. Park Police, the Drug Enforcement Administration, [and] the Bureau of Alcohol, Tobacco, Firearms and Explosives,” according to WTOP. This report notes that, “Bowser's order provides a path for working with federal law enforcement…[a] public indication that federal law enforcement could remain in the city indefinitely.” Other D.C. officials, including the District's delegate in Congress Eleanor Holmes Norton, have decried the occupation. Unfortunately, Norton is not even afforded the power of a single vote in Congress. This debacle further underscores the necessity for sovereign statehood for D.C.* In more news of federal law enforcement overreach, Prem Thakker of Zeteo reports new figures that show, “61,226 people are currently in ICE detention — the highest number ever in US history.” Thakker goes on to report that “According to ICE data, 70% of these people have no criminal conviction.” This unjustifiable mass detention shows no signs of slowing down, with ICE being granted larger and larger budgets and more and more latitude by the administration. The parallels to other shadowy secret police organizations throughout history continue to grow more pronounced.* Labor Notes editor Luis Feliz Leon reports Columbia University is seeking to bust graduate worker unions – at Columbia and beyond. A statement from the union reads “Over the summer, the university expelled and suspended 80 students, eliminated all but ten…graduate instructor jobs, and filed an Unfair Labor Practice Charge that could reshape the future of higher ed.” This marks yet another blow to the august reputation of Columbia, already damaged by their authoritarian overreaction to pro-Palestine protests and their capitulation to borderline extortion by Trump.* In the federal government, Trump continues to attack critical safety regulators. Reuters reports, “Two of the three remaining commissioners at the Nuclear Regulatory Commission, the U.S. nuclear safety watchdog, told a Senate hearing on Wednesday they feel President Donald Trump could fire them if they obstruct his goal to approve reactors faster.” Trump, via executive order, has committed the United States to, “fast-tracking new reactor licenses and quadrupling U.S. nuclear energy capacity by 2050…while also reducing staffing at the NRC.” The Commission is already down to just three members from its usual five and according to this report, “a dozen senior level managers…have left or announced they will leave since January, and…143 staff departed between January and June.” The Commission is currently considering five reactor applications and “expects another 25 to 30 soon.” Whatever one's thoughts are on nuclear energy in general, it is wildly irresponsible and dangerous to consider these reactor proposals by a commission short-staffed and constantly threatened with dismissal.* Finally, the Government Accountability Project has submitted a stunning whistleblower complaint on behalf of Chuck Borges, Chief Data Officer at the Social Security Administration. This complaint concerns “serious data security lapses, evidently orchestrated by DOGE officials, currently employed as SSA employees, that risk the security of over 300 million Americans' Social Security data…including apparent systemic data security violations, uninhibited administrative access to highly sensitive production environments, and potential violations of federal privacy laws by DOGE personnel.” The most critical violation is the DOGE staffers' move to “create a live copy of the country's Social Security information in a cloud environment that circumvents oversight.” As this complaint explains, “This vulnerable cloud environment is effectively a live copy of the entire country's Social Security information…that…lacks any security oversight from SSA or tracking to determine who is accessing or has accessed the copy of this data.” This includes “all data submitted in an application for a United States Social Security card—including the name of the applicant, place and date of birth, citizenship, race and ethnicity, parents' names and social security numbers, phone number, address, and other personal information.” If this data were to be compromised – as is eminently possible given the unsecured and unsupervised nature of the cloud copy, “Americans may be susceptible to widespread identity theft, may lose vital healthcare and food benefits, and the government may be responsible for re-issuing every American a new Social Security Number.” This staggering degree of carelessness and incompetence is almost unbelievable, if not for the fact that it comports perfectly with the DOGE track record. We can only hope lawmakers and regulators take swift action to shut down this ticking timebomb of data before it's too late.This has been Francesco DeSantis, with In Case You Haven't Heard. Get full access to Ralph Nader Radio Hour at www.ralphnaderradiohour.com/subscribe

NEW: Send us Your Comments!This Week's Topics:RFK Jr. Takes on Big Pharma Senators 3:30No More Blocking of Medical Records 12:00Trump Demands Answers from Pfizer 15:30$10 Nasal Spray more Effective than Vax 18:30Florida Ends ALL Vax Mandates 21:30VIDEO: Trump winning Big on Crime 24:30New Evidence of Auto-Pen Misuse 31:30Trump Deports 250,000 Venezuelans 35:00HUD Pushing Illegals Out 36:00Finally Home Sales Start to Rise 39:00Jobs Report will Trigger Interest Rate Cut 41:00Dems think our Right Come from Them! 43:00Trump Approval at 55% 47:30China, Russia & India Meet for Parade 56:00VIDEO: Trump Announces Dept. of War 1:01:00France's Government will Collapse 1:03:00AfD Candidates in Germany Dying 1:06:00Feds Stop Huge Drug Shippment 1:07:30US Blows Up Drug Cratel Boat 1:11:00Alligator Alcatrazto stay open! 1:14:00Stop Transgenders from Owning Guns? 1:15:30Thune Holding Up Trump Appointments 1:17:30No more Paper Checks from IRS or SSA 1:21:30FTC Takes Action Against Porn Hub 1:23:00Schwarzenegger Leads CA Fight 1:25:00Google Skates in Anti-Trust Case 1:26:30Epstein files are a Political Hit Job 1:30:30Tom Z's Talks to Cracker Barrel 1:41:00Support the showView our Podcast and our other videos and news stories at:www.WethePeopleConvention.orgSend Comments and Suggestions to:info@WethePeopleConvention.org

For years, the Windfall Elimination Provision and Government Pension Offset reduced benefits for those who had rightfully earned them. Now that those policies are gone, many are left with questions. Eddie Holland joins us to help clarify what's changed and what it means for your retirement.Eddie Holland is a Senior Private Wealth Advisor and partner of Blue Trust in Greenville, South Carolina. He's also a CPA, a Certified Financial Planner (CFP®), and a Certified Kingdom Advisor (CKA®).A Quick History of WEP and GPOThe Windfall Elimination Provision (WEP), enacted over 40 years ago, reduces Social Security benefits for individuals receiving a non-covered pension—a pension from which no Social Security taxes were withheld. This often included employees in state and local government jobs, such as teachers, police officers, and firefighters.Similarly, the Government Pension Offset (GPO) reduced a spousal or survivor benefit for individuals in the same situation. These rules were designed to prevent “double-dipping,” but they often unfairly penalized modest-income workers, sometimes reducing their monthly Social Security checks by hundreds of dollars—or even eliminating their spousal or survivor benefits entirely.The Social Security Fairness Act of 2025That changed on January 5, 2025, when President Joe Biden signed the Social Security Fairness Act. This legislation repealed both WEP and GPO, effective retroactively as of January 2024. As a result:Nearly 3 million Americans became eligible for retroactive benefits.Future monthly benefits for those affected have also been adjusted upward.This marks a significant win for many retired public servants who had long felt the weight of these provisions.What to Expect if You're AffectedThere are two phases of payments:Retroactive Payments – Starting in March 2025, some individuals received large one-time deposits representing the benefits they should have received since January 2024. These payments often arrived with little to no explanation, leaving many confused. Adjusted Monthly Benefits – Beginning in April 2025, Social Security began increasing ongoing monthly benefits for those impacted.It's important to note that these changes only apply to individuals with a non-covered pension, not all civil service employees.Steps to Take if You Think You QualifyIf you believe these changes may apply to you, Eddie recommends two simple steps:Check Your Account Online. Visit SSA.gov to log in to your account (or create one if you haven't already). Contact the Social Security Administration. If your account doesn't show any updates or you have questions, call 1-800-772-1213 or schedule an appointment at your local SSA office to speak directly with an agent.If navigating these changes feels overwhelming, consider consulting a Certified Kingdom Advisor (CKA) who specializes in matters related to Social Security, who can help you make informed, faith-based financial decisions. You can find one in your area by visiting FaithFi.com and clicking “Find a Professional”. On Today's Program, Rob Answers Listener Questions:I'm 60 years old and planning to retire early at 62. I'd also like to pay off my house before I retire. Is that a smart move, and is it realistic given my current financial situation?I understand that retiring before my full retirement age will result in a reduction of approximately 8% per year in my Social Security benefit. How do Social Security cost-of-living adjustments factor into that reduction?My grandson wants to be added as an authorized user on my credit card to take advantage of my good credit score so he can get a lower interest rate on a car loan. Is that a wise decision?At what age am I required to start taking distributions from my 401(k)? Also, I have two family members—one with dementia and another recovering from a stroke. How can we protect their assets, such as their house and 401(k), if they need long-term care?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Social Security Administration (SSA.gov)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

In this episode, Dr Elle Wadsworth speaks to Professor Owen Bowden-Jones from Central North-West London NHS Foundation and Mr Arun Sahai from Guy's and St Thomas' Hospitals NHS Trust, both in the UK. The interview covers an editorial they wrote with Professor Paul Dargan on responses to non-medical and medical ketamine use, including concerns about the increasing harms from illicit ketamine and excitement about the potential therapeutic value of ketamine. We apologise for the sound quality at points during this episode, but we promise its worth the listen! · Ketamine and its uses [01:15]· Why ketamine is listed as an essential medicine by the World Health Organisation [01:59]· The differing uses of ketamine: an essential medicine, a novel therapeutic drug, and a recreational drug [3:00]· Ketamine's damage to the urinary tract and the liver [04:30]· Available treatments for the physical harms of ketamine [07:45]· Whether substance use treatment services in the UK are fit-for-purpose when it comes to ketamine [11:06] · Some of the reasons why is ketamine a popular drug now [15:38]· The potential therapeutic value of ketamine for many disorders [17:29]· The importance of communicating information to people who use ketamine [19:19]About Arun Sahai: Mr Arun Sahai, PhD, FRCS (Urol), BSc (Hons.), is a Consultant Urological Surgeon in Functional urology (bladder dysfunction, incontinence, uro-neurology and urinary tract reconstruction) at Guy's and St Thomas' Hospitals NHS Trust and an Honorary Reader within King's College London. He is the current chair of the section of functional and reconstructive urology at the British Association of Urological Surgeons (BAUS). He is the lead for undergraduate education in surgery for King's College London. His research interests include various aspects of benign bladder dysfunction and prostate cancer survivorship. He is active in both commercial and non-commercial clinical trials and has published more than 100 peer reviewed international papers and more than 15 book chapters. About Owen Bowden-Jones: Professor Owen Bowden-Jones CBE is a Consultant in Addiction Psychiatry at the CNWL Club Drug Clinic, London and an Honorary Professor at University College London. In 2010, Owen founded the CNWL Club Drug Clinic, an innovative service offering treatment for emerging drug problems, including novel psychoactive substances and club drugs. National roles include President of the Society for the Study of Addiction, Chair of the Advisory Council on the Misuse of Drugs, Policy Fellow at the University of Cambridge, trustee at the charity Student Minds and Registrar at the Royal College of Psychiatrists. Owen is the past-Chair of the Faculty of Addictions at the Royal College of Psychiatrists and was previously a national clinical adviser to Public Health England. Original editorial: Responding to medicinal and non-medicinal ketamine use https://doi.org/10.1111/add.70075The 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.

Space Café Radio – Poland's Space Ambitions with Col. Marcin MazurIn this episode of Space Café Radio, host Torsten Kriening is joined by Colonel Marcin Mazur of Polish Space Agency (POLSA) to explore Poland's fast-rising role in space.Almost half a century after its first astronaut flew into orbit, Poland has returned to human spaceflight with the AX-4 mission – a highly symbolic step that signals the nation's ambition to be a full partner in global space exploration. But this milestone is only one part of a much broader national effort.Together, Torsten and Col. Mazur discuss:Poland's national space strategy and its three pillars: industrial growth, national capabilities, and education.How POLSA coordinates with the Polish Armed Forces and Ministry of Defence, especially in the fields of space situational awareness (SSA) and secure satellite communications.The CAMILA (Country Awareness Mission in Land Analysis) Earth observation constellation and Poland's investments in satcom and sovereign space infrastructure.The balance between European cooperation through ESA and EU programs and the development of national capabilities.The importance of education and workforce development to build a competitive Polish space sector.Col. Mazur also reflects on the symbolic power of Poland's astronaut mission and outlines the next steps for his country's space ambitions – from lunar exploration to a stronger role in European and transatlantic space partnerships.Tune in for a unique insight into how Poland is shaping its space future, and what it means for Europe's collective space ambitions.Space Café Radio brings you talks, interviews, and reports from the team of SpaceWatchers while out on the road. Each episode has a specific topic, unique content, and a personal touch. Enjoy the show, and let us know your thoughts at radio@spacewatch.globalWe love to hear from you. Send us your thought, comments, suggestions, love lettersYou can find us on: Spotify and Apple Podcast!Please visit us at SpaceWatch.Global, subscribe to our newsletters. Follow us on LinkedIn and X!

Peter makes his return on air with Drew as they talk to callers and answer questions regarding information on your tax return, SSA-44, Medicare, estate planning, and more! Download and enjoy!

For married couples planning their retirement, understanding spousal Social Security benefits can seem like a labyrinth. This week, I'm answering a listener's question about how spouses can maximize their Social Security benefits. Join me as I break down the key rules, eligibility requirements, and strategies that can help you and your spouse make the most of your benefits over your lifetimes.  Whether you're nearing retirement or still a few years away, I can help you understand primary insurance amounts, full retirement age, and what happens if one spouse claims benefits early. If you want to ensure you and your loved one have a smart plan for Social Security, this episode offers essential insights and actionable advice. You will want to hear this episode if you are interested in... [02:33] Eligible spouses may receive at least half of their partner's full retirement benefit. [05:25] How much of a spousal benefit will you receive?  [07:42] Strategies to manage spousal benefits. [09:54] Spousal benefits are reduced by $1 for every $2 earned over the limit. [10:30] Applying for a spousal benefit. Understanding Spousal and Survivor Social Security Benefits  Spousal benefits exist to ensure that partners in a marriage—including those who spent little or no time in the workforce—can still access a stable retirement income. If you're married, you could be eligible to receive up to half of your spouse's full retirement benefit, commonly referred to as their Primary Insurance Amount (PIA). This benefit is designed for spouses who don't qualify for a significant benefit on their own due to having spent less time in the workforce, perhaps because they were caring for the home or raising a family. At a minimum, every spouse can claim at least 50% of their partner's PIA, but only if their own benefit is less than this amount. This safety net helps ensure that lower-earning spouses are not left without Social Security support in retirement. Eligibility Requirements: Who Qualifies and When? To collect a spousal benefit, several conditions must be met: The Higher-Earning Spouse Must File: You cannot receive a spousal benefit until your spouse has filed for their own Social Security retirement benefit. Minimum Age: The spouse collecting the spousal benefit must be at least 62 years old. Marriage Requirements: You must be legally married, though in some states, common law marriages are recognized. Timing Matters: To collect the full 50%, you must wait until your own full retirement age, which is generally 67 for those born after 1960. Claiming earlier results in a reduced benefit, often as low as 32.5%-37.5% of your spouse's PIA if you file at age 62. For example, in the listener scenario discussed in the episode, the wife began her benefit at 64. Because she started before her own full retirement age, she is only eligible for 37.5% of her husband's benefit—less than half. Strategies for Maximizing Spousal Benefits Determining when to claim Social Security is a nuanced decision: Higher-Earning Spouse Delays, Lower-Earning Spouse Claims Early: Often, the lower-earning spouse might claim their own benefit early, while the higher earner waits until full retirement age or even 70 to claim. This maximizes the survivor benefit for the lower earner, as a widow or widower can "step up" to the deceased spouse's higher benefit. Cost of Living Adjustments (COLA): Increases in Social Security benefits due to COLA apply both to individual and spousal benefits. Because COLA is a percentage, it may cause dollar amounts to shift, but it will not change the eligibility for claiming spousal benefits unless there is a significant gap. Survivor Benefits: If the higher earner passes away, the surviving spouse can "take over" the higher benefit. This makes it advantageous for the higher earner to delay benefits if the couple is concerned about long-term financial security. How to Apply for Spousal Benefits Applying is straightforward and can be done online at SSA.gov, by calling the Social Security office, or in person. Be prepared to provide proof of age, a marriage certificate, and possibly your spouse's work records. Maximizing Social Security as a couple comes down to knowing the rules, timing your decisions, and using strategic thinking to boost your household's retirement income. Resources Mentioned Retirement Readiness Review Subscribe to the Retire with Ryan YouTube Channel Download my entire book for FREE  Benefits for Spouses  Collecting Divorced Social Security Benefits Ep41 Connect With Morrissey Wealth Management  www.MorrisseyWealthManagement.com/contact   Subscribe to Retire With Ryan

In this episode, Dr Tsen Vei Lim talks to Dr Katie East, an Associate Professor in Public Health within the Department of Primary Care and Public Health at Brighton and Sussex Medical School in the UK. The interview covers her and her co-authors research report on a randomised online experiment evaluating the impact of vaping fact films on vaping harm perceptions among UK young adults, as well as discussing the broader misconceptions around vaping and the importance of expert-led health messaging. · How vapes differ from conventional tobacco smoking [1:31]· Some misconceptions around vaping [02:07]· What do people know about nicotine? [03:20]· The vaping fact films and addressing the common myths around vaping [04:20]· The key findings of the study [06:06]· The importance of expert messaging in correcting perceptions on vaping [07:27]· Where can we find the vaping fact films? [08:22]· How can we combat misconceptions in vaping? [09:30]· Whether governments have a role in addressing vaping misconceptions [10:52]· The strategies to help people quit smoking that include vapes [12:13]· The evidence on these strategies [13:10]· How the collaborators found the experience in creating the videos [14:14]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 Katie East: Katie is an Associate Professor in Public Health within the Department of Primary Care and Public Health at Brighton and Sussex Medical School. She also has a visiting appointment at King's College London (KCL), where she recently completed her SSA Fellowship on the topic of vaping harm perceptions. In 2024, she was awarded the SSA's Fred Yates Prize for significant contributions to work in the field of addiction. Her research focuses on nicotine and tobacco product use, perceptions, and policies.The authors have no conflicts of interest to disclose. Original article: Evaluating the impact of vaping facts films on vaping harm perceptions among young adults in the UK: A randomized on-line experiment - https://doi.org/10.1111/add.70119 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.

Department of Government Efficiency members stored a copy of a massive Social Security Administration database in a “vulnerable” custom cloud environment, putting more than 300 million people's personal information at risk, the agency's chief data officer said in a new whistleblower complaint. The complaint, filed with Congress on Tuesday, revealed new concerns from CDO Charles Borges about “serious data security lapses” allegedly involving DOGE officials working at the SSA. According to the complaint, those officials, under the direction of SSA Chief Information Officer Aram Moghaddassi, granted themselves permission to copy Americans' Social Security information onto a cloud server with no verified oversight, violating agency protocols. The Government Accountability Project wrote on behalf of Borges in the complaint that the “vulnerable cloud environment is effectively a live copy of the entire country's Social Security information from the Numerical Identification System (NUMIDENT) database, that apparently lacks any security oversight from SSA or tracking to determine who is accessing or has accessed the copy of this data.” The NUMIDENT data includes all the information applicants use for a Social Security card, including their name, phone number, address, place and date of birth, parents' names and Social Security numbers along with other personal information. The complaint warned: “Should bad actors gain access to this cloud environment, Americans may be susceptible to widespread identity theft, may lose vital healthcare and food benefits, and the government may be responsible for re-issuing every American a new Social Security Number at great cost.” Adele Merritt is out as the top IT official at the National Institutes of Health after roughly eight months in the role, again changing up the leadership in the position. Merritt was first announced as the new chief information officer in December after most recently serving as CIO of the intelligence community. At the time she took on the position, the role hadn't had a permanent official in roughly two years. Merritt's departure comes as the Trump administration has sought to reduce the federal workforce and reshape federal agencies, including HHS. In March, Secretary Robert F. Kennedy announced plans to cut 10,000 workers from the agency on top of 10,000 who had already left via incentivized resignation and retirement offers from the administration. A recent ProPublica analysis of HHS's public directory found that the health agency has lost roughly 18% of its workforce since January. 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.

Confirman 4 casos de sarampión en CDMX y 358 probables: SSa  Últimos días de registro a la Pensión Mujeres Bienestar para grupo de 60 a 64 años  Tiroteo en escuela católica de Minneapolis deja dos menores muertos y 17 heridos  Más información en nuestro podcast

Se pronostica lluvias fuertes y tormentas eléctricas en CDMX y Edomex SSa de Tamaulipas denuncian a exgobernador Cabeza de Vaca por presuntas irregularidadesMéxico y 25 países suspenden paquetería postal a EU por alza de arancelesMás información en nuestro podcast

In this episode, Dr Zoe Swithenbank speaks to Dr June Leung, a senior researcher at the SHORE and Whariki Research Centre at Massey University in New Zealand. The interview covers June's systematic review and meta-analysis on the association of parental or caregiver alcohol use with child maltreatment.· An overview of the review and the definition and forms of child maltreatment [01:00]· Why it is important to look at all forms of child maltreatment [03:48]· Quantifying the harms of alcohol and identifying preventable risk factors [05:00]· The take home messages of the study [06:23]· What June's findings do and do not suggest for the wider alcohol literature [07:28]· What the implications of the findings are for policy and practice [08:29]· The challenges in conducting the review [11:02]· The limitations of the study [13:08]· The surprising aspects of conducting this review [15:12]About June Leung: Dr Leung is Senior Research Officer at SHORE & Whariki Research Centre, Massey University, based in Auckland, New Zealand. Her research focuses on global alcohol policy, alcohol industry influence, and the epidemiology of chronic diseases. She is also a public health physician by training and a fellow of the New Zealand College of Public Health Medicine and the Hong Kong College of Community Medicine. She completed her undergraduate medical degree (MBBS), Master of Public Health (MPH) and Doctor of Medicine (MD) at The University of Hong Kong. Dr Leung has no conflicts of interest to declare.About Zoe Swithenbank: Dr Zoe Swithenbank is a senior research associate at Lancaster University, currently working on a National Institute for Health and Care Research (NIHR) funded research project exploring treatment pathways for co-occurring alcohol and mental health problems. She recently completed her SSA funded PhD at Liverpool John Moores University on behavioural interventions for smoking cessation in substance use treatment services. Prior to starting her academic career, Zoe worked in health services including substance use, mental health, and homeless services, and these experiences shaped her research interests, as well as her commitment to the inclusion of people with lived experience in research.Original review: The association of parental or caregiver alcohol use with child maltreatment: A systematic review and meta-analysis of longitudinal studies https://doi.org/10.1111/add.70055The 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.

In today's video, we discuss how Income-Related Monthly Adjustment Amount (IRMAA) payments are calculated and 8 strategies to reduce or even eliminate the payments.Resources from the VideoReddit Forum Post: / strategies_to_reduce_irmaa_costs_medicare  2025 IRMAA Brackets: https://www.humana.com/medicare/medic...IRMAA MAGI Calculation: https://secure.ssa.gov/poms.nsf/lnx/0...SSA-44 Form: https://www.ssa.gov/forms/ssa-44.pdfBoldin: https://go.robberger.com/boldin/yt-irmmaProjectionLab: https://go.robberger.com/projectionla...Join the Newsletter to get a 10% discount code off of ProjectionLab:https://robberger.com/newsletter/?utm...

Artificial intelligence isn't just a buzzword anymore. It's driving market highs, reshaping industries, and sparking debate about whether it's a bubble or a lasting revolution. In this week's Money Hour, Jeremiah and Nic talk about how AI could impact investments, jobs, and even wages. They explore where AI already outperforms humans and why emotional intelligence may be the skill that keeps you relevant in the workplace. The guys also unpack the latest updates on Social Security, clarifies common misconceptions about spousal and survivor benefits, and explains why relying on the SSA for advice could cost you. Plus, they highlight big changes coming out of the “Big Beautiful Bill,” including new opportunities with 529s, the rollout of “Trump Accounts” for kids, and tax code updates that could save retirees thousands.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Host: Jeremiah Bates & Nic Daniels

IMSS-Bienestar inicia“Rutas de la Salud” Zócalo capitalino se viste de fiesta patriaDeportan al boxeador Julio César “C”Más información en neustro podcast

On this week's Labor Radio Podcast Weekly: federal bargaining rights under fire, rank-and-file power rising, and one very odd ICE headline. The Labor Notes Podcast spotlights UAW Region 9A's member-driven endorsements and field power; Green and Red digs into how to turn non-compliance into concrete action; The Workers Mic unpacks Dean Cain's leap from Superman to ICE amid a recruitment blitz; The Valley Labor Report features AFGE's Jessica LaPointe on SSA attrition and service delays; Heartland Labor Forum debunks “national security” claims behind canceling federal CBAs; and Harold's Shows You Should Know. Find these—and dozens more—at laborradionetwork.org. Help us build sonic solidarity by clicking on the share button below. Highlights from labor radio and podcast shows around the country, part of the national Labor Radio Podcast Network of shows focusing on working people's issues and concerns. @LaborNotes @PodcastGreenRed @coalition_labor @LaborReporters @Heartland_Labor#LaborRadioPod @AFLCIO Edited by Captain Swing, produced by Chris Garlock; social media guru Mr. Harold Phillips.

PODCAST: This Week in Amateur Radio Edition #1381 - Full Version (With repeater ID breaks every 10 minutes) Release Date: August 16, 2025 Here is a summary of the news trending...This Week in Amateur Radio. This week's edition is anchored by Jordan Kurtz, KE9BPO, Tammy Walker, KI5ODE, Rich Lawrence, KB2MOB, Ed Johnson, W2PH, Don Hulick, K2ATJ, Will Rogers, K5WLR, Eric Zittel, KD2RJX, Denny Haight, NZ8D, Steven Sawyer, K1FRC, George Bowen, W2XBS, and Jessica Bowen, KC2VWX Produced and edited by George Bowen, W2XBS Approximate Running Time: 1:36:19 Podcast Download: https://bit.ly/TWIAR1381 Trending headlines in this week's bulletin service 1. FCC: FCC Moves To Protect US Submarine Cables From Foreign Adversaries 2. CYN: Fatal Texas Floods Trigger FCC Review Of US Emergency Alert System 3. ARD: Candidate For US Congress Focuses On Issues Related To Amateur Radio 4. AMSAT: 2025 AMSAT Symposium Keynote Speaker Announced 5. AMSAT: NASA's Lunar Trailblazer Mission Ends In Disappointment 6. AMSAT: International Space Station Crew Expands To Eleven 7. WIA: International Amateur Radio Union Societies File Comments With The FCC On AST/70cm Concerns 8. WIA: Hawaiian Broadcasters Want Access To Police Scanner Information For Emergencies 9. HKDY: Wi-Fi Being Allowed Near Green Bank Observatory For First Time Ever 10. ARRL: Amateurs Prepare For Forecasted Busy Hurricane Season 11. ARRL: ARRL Foundation Awards Alexia Snethen, KM6LGG, The 2025 Goldfarb Memorial Scholarship 12. ARRL: Hams Track Campers' High-Altitude Balloon, Decode Images 13. ARRL: ARRL Serving Its Members: NU2W's Story 14. ARRL: Seven Year Old Gertrude Takagi Earns Her Amateur Radio License 15. ARRL: 26th Anniversary Of The Route 66 Special Event 16. Legacy NOAA Weather Satellites Are Decommissioned 17. National Weather Service Now Rehiring Following Recent Mass Firings 18. Upcoming 3Y0K DxPedition Sites Legal Issues For Cancellation Of Lottery 19. Amateurs In The United Kingdom Accept The Challenge To Build Balloon Tracker 20. Florida Retirees Prepare For Upcoming Storm Season 21. Indiana Amateurs Celebrate Parks Centennial By Having A POTA Activation 22. Australian Young Amateurs Prepare For Their First Youth On The Air Contest 23. ARD: HamCation Awards Seeks Nominations For 2026 Season 24. ARRL: The Swedish Amateur Radio Society, SSA, will celebrate its 100-year anniversary on September 10, 2025 25. ARRL: Upcoming RadioSport Contests and Regional Convention Listing 26. AMSAT: AO-123 FM Transponder To Enter Continuous Service / Ham-TV is activated on the Space Station 27. WIA: Radio Amateurs Of Canada develops Auxiliary Communications Service 28. IARU: Registration for IARU Region 2 XXII General Assembly Is Now Open 29. ARRL: New ARRL DXCC Trident Award Plaque Honors 100 Confirmed On Three Modes 30. ARRL: Jobs for amateurs at ARRL Headquarters 31. Indian student amateurs are seeking a patent on new lightning avoidance device 32. HOIP: HamShack Hotline users are invited to apply for service on Hams Over IP Plus these Special Features This Week: * Working Amateur Radio Satellites with Bruce Paige, KK5DO - AMSAT Satellite News * Foundations of Amateur Radio with Onno Benschop VK6FLAB, will discuss How To Decode Distant Signals Over The Web. * The DX Corner with Bill Salyers, AJ8B with all the latest news on DXpeditions, DX, upcoming radio sport contests, and more.. * Weekly Propagation Forecast from the ARRL * Our own amateur radio historian, Will Rogers, K5WLR, returns with the conclusion of his three part series titled, "Crossings, The Reply". We witness another Atlantic Crossing, but this time European as well as American amateurs are participating. ----- Full Podcast (ID breaks every 10 mins for use on ham frequencies): https://www.twiar.net/twiarpodcast.rss Full Podcast (No ID Breaks for LPFM or personal listening): https://www.twiar.net/twiarpodcastlpfm.rss Truncated Podcast (Approximately 1 hour in length): https://www.twiar.net/twiarpodcast60.rss Website: https://www.twiar.net X: https://x.com/TWIAR Bluesky: https://bsky.app/profile/twiar.bsky.social Facebook: https://www.facebook.com/groups/twiari YouTube: https://bit.ly/TWIARYouTube RSS News: https://twiar.net/?feed=rss2 Automated (Full Static file, updated weekly): https://twiar.net/TWIARHAM.mp3 Automated (1-hour Static file, updated weekly): https://www.twiar.net/TWIAR1HR.mp3 This Week in Amateur Radio is produced by Community Video Associates in upstate New York, and is licensed under a Creative Commons Attribution-NonCommercial 4.0 International License. If you would like to volunteer with us as a news anchor or special segment producer please get in touch with our Executive Producer, George, via email at w2xbs77@gmail.com. Thanks to FortifiedNet.net for the server space! Thanks to Archive.org for the audio space.

Salud lanza campaña contra acoso y hostigamiento laboral Líderes mundiales se reúnen por UcraniaMás información en nuestro podcast

Spotify subirá precios en México a partir de septiembre  Consumo privado cae 0.9% en mayo: Inegi  Corte de Brasil dicta arresto domiciliario contra Jair Bolsonaro  Más información en nuestro podcast

Inauguran 13 hospitales y 9 clínicas nuevas en el país: Ssa Migrantes anuncian caravana desde TapachulaEU ofrece 25 mdd por Nicolás MaduroMás información en nuestro podcast 

In today's world, scarcity seems to be everywhere. Not enough money. Not enough time. Not enough security. It's easy to live like we're always behind, always grasping, always worried. But is that the full story?Here at FaithFi, we believe Scripture paints a different picture—one where scarcity isn't the final word. Instead, through Christ, we're invited to live with hope, wisdom, and trust in God's abundant care.The Root of ScarcityThe fear of “not having enough” isn't new. Ever since sin entered the world, our hearts have struggled with distrust. In John 10:10, Jesus describes the enemy as a thief who “comes only to steal and kill and destroy.” And that's what a scarcity mindset does. It steals peace, kills joy, and destroys our trust in God's provision.This mindset urges us to hoard instead of share, grasp instead of give, and stress instead of rest. It traps us in anxiety—a form of slavery where our lives are defined by what we lack instead of who God is.Jesus doesn't leave us in fear. In the second half of John 10:10, He offers a better way: “I came that they may have life and have it abundantly.”This abundance isn't about luxury—it's about the richness of God's care. From the very beginning, God created generously. Genesis 1 shows a God who overflows with creativity and provision, filling the skies, seas, and land with life. He didn't create out of need but out of joy.As Elisabeth Elliot wisely said, “God has promised to supply all our needs. What we don't have now, we don't need now.”Jesus Offers Something BetterJesus lived simply, with no home of His own, yet He never operated from scarcity. He lived generously, turning water into wine, feeding multitudes, and offering forgiveness to all. In Matthew 6:25–34, He urges us not to worry, pointing to the birds and lilies as evidence of the Father's care.“Seek first the kingdom of God and His righteousness,” Jesus tells us, “and all these things will be added to you” (Matthew 6:33). This is the antidote to fear: a trust-filled life focused on God's Kingdom.So, how do we break free from the scarcity trap? Here are a few biblical steps:1. Renew Your MindRomans 12:2 calls us to be transformed by the renewal of our minds. Ask God to help you see life through the lens of His abundance, not the world's lack.2. Practice GratitudeThankfulness shifts our focus from what's missing to what God has already provided. It's a simple but powerful habit that reorients our hearts toward trust.3. Embrace StewardshipWe are not owners but stewards. Everything we have is a gift from God. Proverbs 3:9 reminds us to “Honor the Lord with your wealth and with the firstfruits of all your produce.”4. Give in FaithDon't give out of fear—give out of faith. 2 Corinthians 9:8 promises that God will provide all we need so that we can abound in every good work.God Is More Than EnoughLiving in God's abundance doesn't guarantee an easy life. But it does guarantee we never face our challenges alone, and we never need to be enslaved by fear.So when the world says, “There's not enough,” we can respond with confidence: Our God is more than enough. His abundance isn't just material—it's spiritual. It's peace, joy, and confidence that our Father knows exactly what we need.If you're struggling with financial fear or anxiety, we invite you to explore our 21-day devotional, Look at the Sparrows. It's designed to help you shift from fear to faith as you grow in your trust of God's provision. Order a copy or place a bulk order today at FaithFi.com/Sparrows. Let this journey lead you into deeper peace and stronger trust, because your Father really does care for you.On Today's Program, Rob Answers Listener Questions:I've been looking into Fisher Investments to help manage my portfolio, but their 1.25% advisory fee seems a bit high. With $1.4 million in assets, is that rate competitive, or should I be considering other options?I'm on a limited income and have had serious health issues in the past. My husband is retired, and I'm struggling to find affordable health insurance. I'm also worried that my health history might lead to penalties or denial. What are my best options?I set up an LLC for a rental property and assumed I could report the income as a pass-through on my personal 1040. But my tax preparer says I now need to make quarterly estimated tax payments. Is that really necessary, and how do I know what to pay?I'm 62 and a half and thinking about retiring early this coming January. My current job no longer aligns with my values. I plan to take Social Security at around $1,835/month, which is about $500 less than my current income. My wife is still working and will cover our health insurance. What key retirement planning considerations might I be overlooking?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)HealthCare.gov | eHealth | HealthMarkets | HealthSherpaIRS.gov | SSA.govWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Leslie Hammock was born in Perry, Georgia, graduated from Stratford Academy, and later graduated from Mercer University in Macon, Georgia. He began his career with Mass Mutual. After a number of successful years, Leslie founded his own firm. Leslie has extensive personal and professional experience with an emphasis on Retirement and Estate planning strategies for professionals, business owners, and individuals working in both private and government sectors.Leslie has been the recipient of the National Quality Award. He is also a long-time member of the International Association of Registered Financial Consultants (RFC), a member of the National Ethics Association, and an Independent Fiduciary Investment Advisor.Leslie is an approved adult financial education instructor and holds classes at numerous local colleges on the subjects of Investment Planning, Retirement Planning, Social Security Maximization, Estate Planning, and many other topics.Leslie is dedicated to developing lasting relationships with all his clients in their wealth accumulation and preservation objectives. He takes pride in his ability to provide clear, easily understood strategies using various financial products, services, and cutting-edge analytical technology.Learn more: http://www.retirebydesign.com/Disclosure:Securities and investment advisory services offered through Integrity Alliance, LLC, Member SIPC. Integrity Wealth is a marketing name for Integrity Alliance, LLC. Retire By Design is not affiliated with Integrity Wealth.IUL Disclosure:Indexed Universal Life Insurance is an insurance contract that, depending on the contract, may offer a guaranteed annual interest rate and some participation growth, if any, of a stock market index. Such contracts have substantial variation in terms, costs of guarantees and features and may cap participation or returns in significant ways. Any guarantees offered are backed by the financial strength of the insurance company, not an outside entity. Investors are cautioned to carefully review an indexed universal life insurance for its features, costs, risks, and how the variables are calculated.SSA & SSA Max Disclosures:Not associated with or endorsed by the Social Security Administration, Medicare or any other government agency. Maximizing your Social Security Benefits assumes foreknowledge of your date of death. If as an example you wait to claim a higher monthly benefit amount but predecease your average life expectancy, it would have been better to claim your benefits at an earlier age with reduced benefits.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-leslie-hammock-founder-of-retire-by-design-discussing-sequence-of-return

Leslie Hammock was born in Perry, Georgia, graduated from Stratford Academy, and later graduated from Mercer University in Macon, Georgia. He began his career with Mass Mutual. After a number of successful years, Leslie founded his own firm. Leslie has extensive personal and professional experience with an emphasis on Retirement and Estate planning strategies for professionals, business owners, and individuals working in both private and government sectors.Leslie has been the recipient of the National Quality Award. He is also a long-time member of the International Association of Registered Financial Consultants (RFC), a member of the National Ethics Association, and an Independent Fiduciary Investment Advisor.Leslie is an approved adult financial education instructor and holds classes at numerous local colleges on the subjects of Investment Planning, Retirement Planning, Social Security Maximization, Estate Planning, and many other topics.Leslie is dedicated to developing lasting relationships with all his clients in their wealth accumulation and preservation objectives. He takes pride in his ability to provide clear, easily understood strategies using various financial products, services, and cutting-edge analytical technology.Learn more: http://www.retirebydesign.com/Disclosure:Securities and investment advisory services offered through Integrity Alliance, LLC, Member SIPC. Integrity Wealth is a marketing name for Integrity Alliance, LLC. Retire By Design is not affiliated with Integrity Wealth.IUL Disclosure:Indexed Universal Life Insurance is an insurance contract that, depending on the contract, may offer a guaranteed annual interest rate and some participation growth, if any, of a stock market index. Such contracts have substantial variation in terms, costs of guarantees and features and may cap participation or returns in significant ways. Any guarantees offered are backed by the financial strength of the insurance company, not an outside entity. Investors are cautioned to carefully review an indexed universal life insurance for its features, costs, risks, and how the variables are calculated.SSA & SSA Max Disclosures:Not associated with or endorsed by the Social Security Administration, Medicare or any other government agency. Maximizing your Social Security Benefits assumes foreknowledge of your date of death. If as an example you wait to claim a higher monthly benefit amount but predecease your average life expectancy, it would have been better to claim your benefits at an earlier age with reduced benefits.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-leslie-hammock-founder-of-retire-by-design-discussing-sequence-of-return

In today's episode we get back to interviews! I'm joined by Greybeard, a huge advocate for the SSA region, and a lover of Rocket Leauge. We had a great chat about his time with RL. The ups and downs and lessons that he has learned along the way.

Exploring Heather Schreiber's 5 costly Social Security traps and exploring options of how to handle them. I've seen it time and again throughout my career: the intricacies of navigating Social Security can trip up just about anyone. So when I saw the headline “5 Sneaky Social Security Traps” in Heather Schreiber's newsletter, I knew right away this was going to be something that deserved a closer look on the podcast. Let's dive into these 5 Social Security traps–and these aren't just random quirks—that can lead to unexpected gaps in income, tax surprises, or permanent reductions in your benefits.  1. The Entire Month Rule You might think that turning 62 means you're automatically eligible for Social Security that month. Not quite. Social Security has a quirky rule: you have to be 62 for the entire month to receive benefits for that month. If your birthday is on June 15, you don't qualify for June's benefit. Instead, your eligibility starts in July, and your first payment doesn't arrive until August. What's even weirder is that the SSA counts your birthday as the day before you were born. So if you're born on June 2, you're considered 62 starting June 1 and therefore eligible for June benefits (which are paid in July). If you're planning on your Social Security check arriving the month you turn 62, you could be left waiting an extra month or two—potentially throwing off your cash flow. 2. Rest in Peace, Now Return to Sender Just like you must be alive the entire month to earn that month's benefit, if someone passes away mid-month, they don't qualify for that month's Social Security payment—even if it's already been deposited. This can be a shock to surviving spouses or family members when the SSA takes that money back. If a loved one passes away on June 14, and the June payment was already deposited in early July, that money must be returned. It wasn't “earned” under SSA rules. So whether you're filing for your own benefit or helping a family member, remember: Social Security is earned month-by-month—and only if you're alive for the full month. 3. Lump Sum FOMO: When Free Money Isn't Always Free When you file for Social Security after your full retirement age, you have the option to take up to six months' worth of benefits retroactively. That sounds great—who doesn't like a lump sum? But here's the catch: taking that lump sum means your official filing date is backdated. So if you file at age 68.5 and take six months retroactive payments, SSA treats you as if you filed at 68—reducing your benefit by 4%. That “free” $18,000–$20,000 could cost you thousands more over the course of your retirement. Sometimes it's worth it, but many people take the lump sum without realizing the long-term cost. 4. Under-Withholding Today May Lead to Regret Tomorrow Here's a situation I see far too often: retirees who start taking Social Security, forget to set up federal tax withholding, and then get a surprise bill come tax season. Unlike pensions or employer paychecks, Social Security doesn't automatically withhold taxes unless you fill out a separate form (Form W-4V). If you don't do this and your Social Security income is taxable, you could owe hundreds—or thousands—at tax time. Take the time to set up appropriate withholding levels. SSA allows you to choose from 7%, 10%, 12%, or 22%.  5. Medicare IRMAA and the Two-Year Lookback When you hit age 65 and enroll in Medicare, your premiums for Part B (and possibly Part D) can go up significantly if your income from two years ago was high. This IRMAA (Income-Related Monthly Adjustment Amount) surcharge can sneak up on you—especially if you had a one-time event like a Roth conversion, large capital gain, or business sale. If you had a significant drop in income due to retirement, job loss, or other life event, you can appeal your IRMAA using a life-changing event form (SSA-44). I've helped dozens of clients successfully reduce th...

Leslie Hammock was born in Perry, Georgia, graduated from Stratford Academy, and later graduated from Mercer University in Macon, Georgia. He began his career with Mass Mutual. After a number of successful years, Leslie founded his own firm. Leslie has extensive personal and professional experience with an emphasis on Retirement and Estate planning strategies for professionals, business owners, and individuals working in both private and government sectors.Leslie has been the recipient of the National Quality Award. He is also a long-time member of the International Association of Registered Financial Consultants (RFC), a member of the National Ethics Association, and an Independent Fiduciary Investment Advisor.Leslie is an approved adult financial education instructor and holds classes at numerous local colleges on the subjects of Investment Planning, Retirement Planning, Social Security Maximization, Estate Planning, and many other topics.Leslie is dedicated to developing lasting relationships with all his clients in their wealth accumulation and preservation objectives. He takes pride in his ability to provide clear, easily understood strategies using various financial products, services, and cutting-edge analytical technology.Learn more: http://www.retirebydesign.com/Disclosure:Securities and investment advisory services offered through Integrity Alliance, LLC, Member SIPC. Integrity Wealth is a marketing name for Integrity Alliance, LLC. Retire By Design is not affiliated with Integrity Wealth.IUL Disclosure:Indexed Universal Life Insurance is an insurance contract that, depending on the contract, may offer a guaranteed annual interest rate and some participation growth, if any, of a stock market index. Such contracts have substantial variation in terms, costs of guarantees and features and may cap participation or returns in significant ways. Any guarantees offered are backed by the financial strength of the insurance company, not an outside entity. Investors are cautioned to carefully review an indexed universal life insurance for its features, costs, risks, and how the variables are calculated.SSA & SSA Max Disclosures:Not associated with or endorsed by the Social Security Administration, Medicare or any other government agency. Maximizing your Social Security Benefits assumes foreknowledge of your date of death. If as an example you wait to claim a higher monthly benefit amount but predecease your average life expectancy, it would have been better to claim your benefits at an earlier age with reduced benefits.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-leslie-hammock-founder-of-retire-by-design-discussing-how-life-insurance-fits-into-retirement

Ep. 692: Cranford | Chapter 14 Book talk begins at 11:49 Will Miss Matty accept help from her loyal friends? And what's this about Martha and Jem... and a lodger? --------------------------------------------------------------- 0:00 Episode start 01:30 July Raffle - Botanical Knits: 12 Designs inspired by trees and foliage by Alana Davos of Never Not Knitting 03.14 - This week's Tea - Gratitude Blend 06:10 - Janine Barchas and Isabel Greenberg's new book “The Novel Life of Jane Austen: a Graphic Biography” 10:20 We had a very Sad chapter 13, which ended with Miss Matty thinking about Martha. :( 11:49 START BOOK TALK Rubric- The Book of Common prayer printed directions for teh service in red. Hens the Rubric (from the Latin word for ‘Red”) signified someting of importance and later came to mean “injunction” or general rule. REALLY??? LATIN FOR RED???? 13:50 - Mammon - Matthew 6:24, Devil of Covetovness or Demon of Greed (medieval and Milton - lowercase) (in hebrew meant money, modern hebrew. = wealth), , unjust worldly gain - ANNOTATION is partly WRONG, But there WAS a Syrian God of Wealth 19:45 - AAah Voo DEER-ray zhuh - Basically Twinkle Twinkle Little Star - the easiest piece of music one could learn to play. Mozart had done one of his 12 variations (though, personally, I'm partial to Tom Lehrer's )  21:25 - She could “trace out patterns very nicely for Muslin Embroidery, by dint of placing a piece of silver-paper over the design to be copied, and holding both against the window-pane, while she marked the scollop and eyelet-holes”. ANNOTATION SAYS “Probably which used scalloped edges and a pattern of holes sewn round with thread like a button-hole.“ 22:55 - a Celestial Globe to learn simple astronomy/constellations 24:35 - - think of , but you have to COUNT THE THREADS in a muslin or light canvas backing. Around 1830 v popular to stitch portraits of royalty (again, at least 10 years out of popularity elsewhere, but still popular in Cranford). Printed, gridded patterrns () 27:05 - Under a glass shade - put a glass dome or CLOCHE over things to keep dust off—would have been REALLY important b/c it was DUSTY back then and only got worse in London as the Century went on (also used in gerdening for heat retention) 27:55 - Couchant - lying down in Heraldry Image from Sodacan, CC BY-SA 3.0 , via Wikimedia Commons 28:35 - East India Tea Company - Founded in 1600 by QE1 and held the chartered right to trade with India and China and IMPORT the tea as a monopoly until 1834 (BTW, Twining's started as a coffee SHOP/Room adding tea in 1717 , bought adjacent building for ladies to take tea(might be Western world‘s oldest dry tea and coffee shop) at No. 216 Strand london in 1706; still operating today - and logo created in 1787 is worlds oldest in continuous use) B/c the EIC's charter was for trade/importing, anyone could SELL the tea. 31:25 - our mites: Biblical times a mite was the lowest denomination of coin in Judea (two mites = one lepta (thin or small in Greek) which was equivalent to a quadran, the smallest Roman coin), (also see re: the Widow's Mite where Christ praises the window who gives her last two mites in the temple) Two mites were worth about 1/64th of a denari - a day's wage for a common worker, toay about 1/8 of a US penny (1 cent) 33:40 - Spills - QUILLING (thank you Aimee!) video of 37:15 - Comfit - nut, seed, etc, covered in sugar coating - link to max miller's video on Post-chapter Notes 1:25:42 - SSA update - Broader information from and - but don't feel the need to read other sources. Here's the actual text of the Bill: Miscellaneous BOOK/WATCH PARTIES coming up in 2025: Last Thursday of every month, 8pm Eastern: Jul—Princess Bride (movie) Aug—The Last Unicorn (book) Sep—The Last Unicorn (movie) Oct—Random Harvest (book) Nov—Random Harvest (movie) Dec—Lamb: The Gospel According to Biff, Christ's Childhood Pal (book)   *CraftLit's Socials* • Find everything here: https://www.linktr.ee/craftlitchannel • Join the newsletter: http://eepurl.com/2raf9  • Podcast site: http://craftlit.com • Facebook: https://www.facebook.com/CraftLit/ • Facebook group: https://www.facebook.com/groups/craftlit • Pinterest: https://www.pinterest.com/craftlit/ • TikTok podcast: https://www.tiktok.com/@craftlit • Email: heather@craftlit.com • Previous CraftLit Classics can be found here: https://bit.ly/craftlit-library-2023   *SUPPORT THE SHOW!* • CraftLit App Premium feed bit.ly/libsynpremiumcraftlit (only one tier available) • PATREON:   https://patreon.com/craftlit (all tiers, below) ——Walter Harright -  $5/mo for the same audio as on App ——Jane Eyre - $10/mo for even-month Book Parties ——Mina Harker - $15/mo for odd-month Watch Parties *All tiers and benefits are also available as* —*YouTube Channel Memberships*  —*Ko-Fi* https://ko-fi.com/craftlit  —*NEW* at CraftLit.com — Premium Memberships https://craftlit.com/membership-levels/ *IF you want to join a particular Book or Watch Patry but you don't want to join any of the above membership options*, please use PayPal.me/craftlit or CraftLit @ Venmo and include what you want to attend in the message field. Please give us at least 24 hours to get your message and add you to the attendee list.     • Download the FREE CraftLit App for iOS or Android (you can call or email feedback straight from within the app) • Call 1-206-350-1642

Leslie Hammock was born in Perry, Georgia, graduated from Stratford Academy, and later graduated from Mercer University in Macon, Georgia. He began his career with Mass Mutual. After a number of successful years, Leslie founded his own firm. Leslie has extensive personal and professional experience with an emphasis on Retirement and Estate planning strategies for professionals, business owners, and individuals working in both private and government sectors.Leslie has been the recipient of the National Quality Award. He is also a long-time member of the International Association of Registered Financial Consultants (RFC), a member of the National Ethics Association, and an Independent Fiduciary Investment Advisor.Leslie is an approved adult financial education instructor and holds classes at numerous local colleges on the subjects of Investment Planning, Retirement Planning, Social Security Maximization, Estate Planning, and many other topics.Leslie is dedicated to developing lasting relationships with all his clients in their wealth accumulation and preservation objectives. He takes pride in his ability to provide clear, easily understood strategies using various financial products, services, and cutting-edge analytical technology.Learn more: http://www.retirebydesign.com/Disclosure:Securities and investment advisory services offered through Integrity Alliance, LLC, Member SIPC. Integrity Wealth is a marketing name for Integrity Alliance, LLC. Retire By Design is not affiliated with Integrity Wealth.IUL Disclosure:Indexed Universal Life Insurance is an insurance contract that, depending on the contract, may offer a guaranteed annual interest rate and some participation growth, if any, of a stock market index. Such contracts have substantial variation in terms, costs of guarantees and features and may cap participation or returns in significant ways. Any guarantees offered are backed by the financial strength of the insurance company, not an outside entity. Investors are cautioned to carefully review an indexed universal life insurance for its features, costs, risks, and how the variables are calculated.SSA & SSA Max Disclosures:Not associated with or endorsed by the Social Security Administration, Medicare or any other government agency.Maximizing your Social Security Benefits assumes foreknowledge of your date of death. If as an example you wait to claim a higher monthly benefit amount but predecease your average life expectancy, it would have been better to claim your benefits at an earlier age with reduced benefits.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-leslie-hammock-founder-of-retire-by-design-discussing-the-5-risks-of-retirement

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

Stefani Blackwell joins me for the sixth episode in the sticky conversations series where we discuss all topics LGBTQ. This is the most commonly asked topic for us to discuss and for good reason. It is a tough one where we feel we have to battle the culture at large and teach our children truth while at the same time being respectful and loving to those around us.Stef and I talk about how to broach these subjects with kids young and old and how to talk about them honestly without ruminating on them. We give some real examples of family members and friends who struggle with SSA or gender dysphoria and how we help our kids navigate those relationships. We know that with Christ there is always hope for sinners, which includes us!We encourage you to check out Kim Zember's new podcast called "here I AM stories" where she interviews individuals who have lived the LGBTQ+ lifestyles and found their way out toward Christ. These stories give us insight into the lived experiences of those struggling and what to do (or rather what NOT to do) when in relationship with them.

Becket Cook was living what many would call a dream life—working in Hollywood, dating men, and surrounded by celebrities. But beneath the surface, he felt an ache that nothing in that world could satisfy. One day at a café, he noticed a group of young people doing a Bible study and struck up a conversation. That led to an invitation to church—and during that very first visit, the Holy Spirit met him powerfully. In this episode, Becket shares his journey from acting on same-sex attraction to finding true identity, purpose, and peace in Christ. His journey will challenge you, inspire you, and point you back to the One who satisfies.Becket's channel: ⁨https://youtube.com/@becketcook NEW: Join our exclusive Rose Report community! https://lilaroseshow.supercast.com - We'll have BTS footage, ad-free episodes, monthly AMA, 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 with code LILA and get up to 25% off!-Good Ranchers: https://go.goodranchers.com/lila Purchase your American Meat Delivered subscription today and get a free add-on of beef, chicken, or salmon! Use code LILA for $40 off! -Covenant Eyes: http://covenanteyes.sjv.io/Kjngb9  Sign up to grow in purity and gain traction over sexual addiction: use code “LILA” for a free month!00:00:00 - Intro00:02:59 - Becket's background00:10:07 - Seven Weeks00:10:49 - Gay clubs in Dallas00:13:28 - How did Becket respond to the abuse?00:23:13 - Covenant Eyes00:24:22 - What causes SSA?00:28:30 - How did you interpret the abuse as a kid?00:31:56 - Good Ranchers00:33:06 - A woman with a similar story00:34:35 - Don't do sleepovers00:38:45 - Sensitive men and the ‘gaydar'00:39:43 - I assumed my SSA would go away00:43:55 - Did you have faith during these years?00:47:59 - Why is Bible so clear on homosexuality?00:49:18 - “Jesus never talked about it”00:51:23 - Gay clubs at 14?!00:55:50 - Did your parents suspect anything? / Permissive childhoods01:02:16 - When did you come out as gay?01:14:38 - His mother's prayer01:24:36 - How did the transformation happen?01:43:52 - Original Sin01:50:44 - The gift of faith01:59:19 - Why he doesn't say ‘gay'02:02:48 - How did your parents respond?02:06:09 - Becket's message for the world today