Podcasts about SSA

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After a year of sitting across from federal employees within a couple of years of retiring — different agencies, different balances, different ages — the same two fears came up almost every single time. And they aren't really two fears. They're one, wearing two coats. This is what retirement planning actually looks like when you get past the account balance.━━━━━━━━━━━━━━━IN THIS VIDEO YOU CAN LEARN━━━━━━━━━━━━━━━- The question people ask out loud — and the one they actually mean, about 20 minutes in- Fear #1: a tax bill on a schedule you don't control, and the IRMAA surcharge with a two-year lookback- Fear #2: "do I have enough?" — and the arbitrary target most people never chose- Why these two fears are actually the same fear- What eleven federal employees said, in their own words- Why a written retirement income plan is what turns both into arithmeticWhich one is louder for you right now — reply 1 for taxes or 2 for running out

Phillip Hogan is the CEO of Signing Services of America (SSA), the author of Relentless Excellence: A Story of Family Business Building and Value-Driven Leadership, and a third-generation entrepreneur who grew SSA from five figures to seven. Under his leadership, SSA was recognized by Inc. as the 30th fastest-growing company in the Southeast.Key Discussion Themes:- Where relentless excellence comes from: grandparents from Montserrat and a father who kept raising the bar- Turning mistakes into system fixes instead of reprimands- Saying yes to clients, then building the system to deliver- Building infrastructure before you scale from five figures to six and seven- Going from nervous on camera to hosting Closing Market WeeklyListener Takeaway:When something breaks, fix the system that let it happen, and build the infrastructure for where you're going before you get there.Connect with Phillip:Website: https://www.philliphogan.comYouTube (Closing Market Weekly): https://www.youtube.com/@closingmarketweeklyAbout the Host:Entrepreneur Conundrum is hosted by Virginia Purnell, founder of Distinct Digital Marketing, where she builds human-driven AI systems that help business owners get their time back (and get seen). New episodes every Monday.Work with Virginia: https://www.distinctdigitalmarketing.comLinkedIn: https://www.linkedin.com/in/virginiapurnellListen to the Full Episode:https://entrepreneurconundrum.com/philliphogan

In this episode, Dr Tsen Vei Lim talks to Dr Martine Skumlien and Professor Valentina Lorenzetti. Martine is a research fellow at King's College London in the UK and Valentina is a professor at the Australian Catholic University in Australia. The interview covers Martine and Valentina's research article on brain reward function in young people with cannabis use disorder.The idea that the brain reward system is affected in people with cannabis use disorder [01:28]How our understanding of the neuroscience behind cannabis use disorder affects how we treat cannabis use disorder [03:46]The novel contribution of Martine and Valentina's study [06:06]How Martine and Valentina investigated the brain reward system in cannabis use disorder [08:18]The key findings from the study [09:24]How we think about the neuroscience of cannabis use disorder [12:33]How do we make sense of the findings alongside the current evidence base [14:33]How the findings sit in the theory of addiction as a brain disease [19:50]The wider implications on future treatment of cannabis use disorder [21:55]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 Martine Skumlien: Martine is a Research Fellow at the King's College London Social, Genetic & Developmental Psychiatry Centre. Her work focuses on cannabis harm reduction, policy, and impact on the brain. She was previously a research associate in the National Institutes for Health and Care Research (NIHR) Policy Research Unit in Addictions where she conducted research to inform policy within the drug and addictions field, and at the University of Bath where she carried out mixed-methods research into drug checking and detection of novel psychoactive substances. She earned her PhD from the University of Cambridge, investigating how cannabis use influences motivation and reward processing in the brain.About Valentina Lorenzetti: Valentina is a professor, founding Lead of the Neuroscience of Addiction & Mental Health Program, and co-founding Deputy Director of the Healthy Brain and Mind Research Centre at the Australian Catholic University in Melbourne Australia. She also serves as Senior Editor of the journal Addiction. Valentina has dedicated her career to understanding the neurobiology behind how people move into, and out of, addiction and entrenched mental health problems, across Australia, the UK, and Brazil, with a consistent focus on identifying with precision the core neurocircuitry affected and translating that understanding into effective intervention. Valentina's program combines advanced multimodal neuroimaging, neuromodulation tools, global multi-site cohorts, and novel interventions such as cannabidiol, craving management strategies, and neurofeedback. Tsen Vei, Martine and Valentina have no conflicts of interest to declare.Original article: Brain reward function in young people with cannabis use disorder: A functional magnetic resonance imaging study https://doi.org/10.1111/add.70492 The opinions expressed in this podcast reflect the views of the host and interviewees and do not necessarily represent the opinions or official positions of the SSA or Addiction journal.The SSA does not endorse or guarantee the accuracy of the information in external sources or links and accepts no responsibility or liability for any consequences arising from the use of such information.Music provided by Jack Shakespeare. Hosted on Acast. See acast.com/privacy for more information.

The White House sent Congress its 2027 pay plan, and for most civilian federal employees it proposes no raise. Three people asked Charles the same question that week: "if I'm not getting a raise anyway, why am I still working?" It's a fair question — but there's a better one, and five numbers that answer it. This is retirement planning driven by your situation, not by a headline.━━━━━━━━━━━━━━━IN THIS VIDEO YOU CAN LEARN━━━━━━━━━━━━━━━- The better question: do you actually NEED to keep working, or do you just not KNOW yet?- What the proposed 2027 pay freeze does and doesn't change (and why December matters)- What another year of federal service actually buys you — and what it costs- The 5 numbers that turn "can I retire" from a feeling into a decision- Why your spending, your net pension, and your social security retirement timing matter more than your TSP balanceWhich of the five is the one you're missing? Reply 1 spending, 2 pension, 3 Social Security, 4 TSP income, or 5 taxes

Cuautitlán Izcalli concluye obras para prevenir inundaciones México reconoce retiro de candidatura de Bachelet ante la ONUTifón Dujuan adelanta cierre del Tokyo Game Show en JapónMás información en nuestro podcast#grc

Retirement planning is often seen as a numbers game—ensuring that you have saved enough, invested wisely, and built a strategy that will comfortably carry you through what should be your golden years. But those numbers only tell part of the story, the test of any retirement plan is not just whether it works on paper for two people, but if it can be carried by the one who is left after loss.This episode is inspired by real-world challenges clients face, so I'm sharing my survivor stress test to help you refine your financial strategies before life throws the unthinkable your way.The Hidden Vulnerability in Retirement PlanningAlmost all plans in America focus on a couple, but the reality is that over half of married people will face widowhood or widowerhood, many while still managing mortgages, careers, and family responsibilities.Even if a plan “works” on paper—if the accounts are titled correctly, the math checks out, and the legal documents are in place—it could still fail the test of usability. The plan needs to be more than mathematically correct; it has to be understandable and executable by the survivor, who, in their time of greatest stress and vulnerability, may face complexities and choices they have never encountered before.Understanding the Survivor Stress TestThe survivor stress test is a framework for couples and individuals to ask a critical question: If one of us were to die first, would the other understand the plan and feel able to carry it forward? Passing this test requires looking beyond adequacy to usability. In many households, one person manages the finances, knows the passwords, talks to the accountant, and understands the cash flow. The other often does not, and this can leave the survivor in a precarious position, especially when they're grieving.The Income Cliff: What Changes After LossOne of the most immediate and impactful changes after the death of a spouse is the income cliff. Social Security survivor rules are not always intuitive, and when one spouse dies, the surviving spouse receives the larger of the two checks, but the smaller check disappears permanently. This can mean an instant loss of 30-40% of household Social Security income, even as most expenses, like mortgages and property taxes, remain largely intact.Pension decisions loom even larger. Choosing a single-life payout maximizes current benefits but leaves the survivor with nothing, whereas a joint and survivor annuity, though slightly smaller each month, ensures continuing income. These decisions, made far in advance, cannot be revisited and must be carefully weighed in light of the survivor's probable needs.The Unseen Tax PenaltiesMost people are unprepared for the surprising tax “penalties” that come with widowhood. Filing status shifts from married filing jointly to single, which often means higher effective tax rates on lower household income because of compressed tax brackets and a much smaller standard deduction. Scott Wellands explains that this can translate to hundreds of thousands of dollars in additional taxes over years of retirement—a burden that few anticipate.Additionally, surviving spouses may be affected by Medicare's IRMAA surcharges, which, due to a two-year income lookback, can kick in just as income falls. Fortunately, forms like SSA-44 allow survivors to appeal IRMAA surcharges based on current-year income, but many don't know about this relief.The Human Side of LossGrief can impair memory, concentration, and decision-making, right when the most consequential financial choices arrive. Survivors must re-title accounts, file claims, and sometimes manage pressure from family—all in an emotional fog. Prioritizing urgent actions (maintaining cash flow), deferring important but non-critical choices, and holding off on irreversible decisions (like selling a house) can prevent double grief where hasty choices compound heartache.The best way to pass the survivor stress test is communication, both partners should understand the plan, know where assets are, and feel confident in their ability to carry it forward. Conversations and second-opinion reviews with a qualified advisor can uncover hidden vulnerabilities and help ensure that whoever is left behind is secure. Outline of This Episode[00:52] The survivor stress test and financial planning for surviving spouse[04:23] Discussing family financial roles[08:59] Claiming Social Security benefits[10:18] Pension options: single life vs. joint and survivor payout [13:29] The widow's penalty tax surprise [17:54] Importance of tax strategy while both spouses are alive[21:03] A decision-making framework for survivorsResources MentionedForm SSA-44Connect With Scott WellensSchedule a discovery call with ScottSend a message to ScottVisit Fortress Planning GroupConnect with Scott on LinkedInFollow Scott on TwitterFortress Planning Group on FacebookSubscribe to Best In WealthAudio Production and Show notes byPODCAST FAST TRACKhttps://www.podcastfasttrack.comPodcast Disclaimer:The Best In Wealth Podcast is hosted by Scott Wellens. Scott Wellens is the principal at Fortress Planning Group. Fortress Planning Group is a registered investment advisory firm regulated by the US Securities and Exchange Commission in accordance and compliance with securities laws and regulations. Fortress Planning Group does not render or offer to render personalized investment or tax advice through the Best In Wealth Podcast. The information provided is for informational purposes only and does not constitute financial, tax, investment or legal advice.

Ryk Neethling speaks to Amy MacIver about the provisional suspension of Swimming South Africa’s president and CEO and the governance challenges facing the organisation Presenter John Maytham is an actor and author-turned-talk radio veteran and seasoned journalist. His show serves a round-up of local and international news coupled with the latest in business, sport, traffic and weather. The host’s eclectic interests mean the program often surprises the audience with intriguing book reviews and inspiring interviews profiling artists. A daily highlight is Rapid Fire, just after 5:30pm. CapeTalk fans call in, to stump the presenter with their general knowledge questions. Another firm favourite is the humorous Thursday crossing with award-winning journalist Rebecca Davis, called “Plan B”. Thank you for listening to a podcast from Afternoon Drive with John Maytham Listen live on Primedia+ weekdays from 15:00 and 18:00 (SA Time) to Afternoon Drive with John Maytham broadcast on CapeTalk https://buff.ly/NnFM3Nk For more from the show go to https://buff.ly/BSFy4Cn or find all the catch-up podcasts here https://buff.ly/n8nWt4x Subscribe to the CapeTalk Daily and Weekly Newsletters https://buff.ly/sbvVZD5 Follow us on social media: CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/CapeTalk CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

In this episode, Dr Elle Wadsworth talks to Patrick Kelly, a doctoral candidate at Brown University School of Public Health in the US. The interview covers Patrick's article on clinicians' and people who use drugs' perspectives on artificial intelligence in addiction medicine.What is artificial intelligence and how has artificial intelligence been used in the field of addiction so far [01:18]The importance of knowing the perspectives of clinicians and people who use drugs with regards to artificial intelligence [03:39]What aspects of addiction medicine make it difficult to build artificial intelligence tools [05:34]The setting and sample of Patrick's study [07:46]Patrick's first theme drawn out from interviews with clinicians [08:57]Patrick's second theme drawn out from interviews with clinicians [10:19]Patrick's third theme drawn out from interviews with clinicians [11:30]Patrick's fourth theme drawn out from interviews with people who use drugs [12:33]Patrick's fifth and final theme drawn out from interviews with people who use drugs [13:31]How Patrick would like the findings to contribute to the field [15:11]Being cautiously optimistic about artificial intelligence in addiction medicine [17:39]The next steps [19:35]About Elle Wadsworth: Elle is an academic fellow with the Society for the Study of Addiction. She is based at the University of Bath with the Addiction and Mental Health Group and her research interests include drug policy, cannabis legalisation, and public health. Elle holds a voluntary role at The Loop, a non-profit service provider of drug checking in the UK.About Patrick Kelly: Patrick is an addiction scientist, National Institutes of Health (NIH) pre-doctoral fellow, and a PhD Candidate at the Brown University School of Public Health. His research program focuses on measuring multilevel stigma and unregulated drug supply changes using qualitative methods and artificial intelligence tools applied to real-world datasets to design and implement interventions that reduce addiction-related morbidity and mortality.Elle and Patrick have no declarations of interest.Original article: Clinicians' and people who use drugs' perspectives on artificial intelligence in addiction medicine https://doi.org/10.1111/add.70586The 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.

Most federal employees spend years planning the day they retire. Almost nobody plans what the first year actually feels like. Your last paycheck stops, your first retirement check may not match the estimate, taxes change, healthcare starts running on a calendar — and taking money from the TSP can suddenly feel wrong, even though that's exactly what you saved it for. Here are the seven things to expect, and the retirement planning that keeps them from becoming surprises.━━━━━━━━━━━━━━━IN THIS VIDEO YOU CAN LEARN━━━━━━━━━━━━━━━- Why the first year is a transition between two income systems, not a single event- The OPM processing gap — what interim pay is, and why you want a cash cushion- Why you budget on your NET pension, never the gross estimate- The first-year tax stack: salary, annual leave payout, pension, social security retirement or the supplement, and TSP withdrawals all landing in one year- Healthcare's calendar — FEHB, Medicare at 65, and IRMAA's two-year lookback- Source and timing for large purchases — it's not the trip, it's which account pays for it- The emotional shift nobody puts on an OPM formHow many months of cash would you want set aside before you retire — three, six, or twelve? Drop your number below

McGuffin v. SSA

In this episode, Dr Tsen Vei Lim talks to Dr Ariel (Ari) Roxburgh. Ari is a Clinical Psychologist and addiction researcher at Monash University and Turning Point, Australia. The interview covers Ari's review on controlled breathing and heart rate variability biofeedback for drug use-related outcomes.Please note that ‘HRVB' used in the recording stands for heart rate variability biofeedback.Why Ari and his team explored controlled breathing [01:18]How breathing helps with drug use-related outcomes [02:20]Other breathing techniques examined in Ari's review [05:03]The key findings from the meta-analysis [05:36]The difference between the examined breathing techniques [07:39]Whether the included studies accounted for the placebo effect [09:52]Whether Ari's findings apply to different drug use disorders [11:45]How soon controlled breathing can be included in clinical guidelines [13:40]How people can incorporate controlled breathing in their daily lives [15:40]The next steps for Ari and his team [17:06]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 Ari Roxburgh: Ari is a Clinical Psychologist and addiction researcher at Monash University and Turning Point. His work focuses on novel substance use interventions, peer-led support frameworks, cognition and psychophysiology. Ari teaches in Monash's graduate addictive behaviours program, served as convenor for the Australian Psychological Society's Substance Use Special Interest Group, and regularly consults with government stakeholders on addiction policy.Tsen Vei and Ari have no conflicts of interest to declare.Original article: Controlled breathing and heart rate variability biofeedback for substance use-related outcomes: A systematic review and meta-analysis https://doi.org/10.1111/add.70542The opinions expressed in this podcast reflect the views of the host and interviewees and do not necessarily represent the opinions or official positions of the SSA or Addiction journal.The SSA does not endorse or guarantee the accuracy of the information in external sources or links and accepts no responsibility or liability for any consequences arising from the use of such information.Music provided by Jack Shakespeare. Hosted on Acast. See acast.com/privacy for more information.

You can retire with a FERS pension and a healthy TSP and still feel lost the month the paycheck stops. Charles and Marcus walk through building a federal retirement paycheck from the ground up: what you actually cost each month, which income sources form your dependable floor, the gap your TSP has to fill, and how installment payments really work — plus the age rules to understand before you roll anything to an IRA. Chapters: 0:00 The Paycheck Stops, the Bills Don't 0:27 Welcome + This Week's Question 1:30 Start Here: How Much Do You Cost? 4:14 Building Your Dependable Income Floor 7:00 Finding the Gap Your TSP Has to Fill 9:47 How to Create Monthly TSP Income 11:35 The Age 55 / 59½ Trap Before You Roll Over 13:20 What Can Break the Plan 15:18 When to Review It 18:37 Watch Next Resource mentioned: the free Monthly Expenses worksheet at cdfinancial.org CTA: Apply for a Retirement Consultation: https://apply.cdfinancial.org/6a694299bad1c9a176cdc79f/ Disclaimer: Advisory services are offered through CD Financial LLC dba CD Financial, an Investment Advisor in the State of California. Insurance products and services are offered through CD Financial & Insurance Services LLC, an affiliated company. Educational only; not financial, legal, tax, or investment advice. TSP withdrawal rules, penalty exceptions, and RMD ages depend on your situation — verify with TSP.gov, SSA, and OPM. Support the show

VIVA LAS VEGAS, PATRIOT'S DAY, & HEAVY HITTERS!

En agosto de 2026, la Comisión Nacional de los Derechos Humanos presentó el Informe Especial sobre la Situación de los Derechos Humanos de las Personas Médicas Residentes en México. El documento analiza la formación médica desde tres grandes derechos: educación, trabajo y salud, y pone sobre la mesa situaciones que quienes hemos trabajado durante años en hospitales probablemente hemos observado alguna vez. Quiero aclarar algo desde el principio: este informe no es una nueva ley ni sus sugerencias son, por sí mismas, una sentencia jurídicamente ejecutable. Sin embargo, se apoya en un marco normativo existente —Constitución, Ley Federal del Trabajo, Ley General de Salud y NOM-001-SSA-2023— y coloca sobre la mesa de reflexión en las escuelas de medicina y las instituciones de salud ya no podemos ignorar.

Hoy, en TU DÍA CON EL UNIVERSAL: Romero Oropeza blinda su situación patrimonial. Ssa inicia investigación por caso de salmonelosis en hospital. Dos años enterrada la solicitud de alerta de género en Coahuila. Trump provoca a Nuevo México al sugerir nuevo nombre. Línea 1 del Metro registra 1,025 fallas desde reapertura. El seguro de vida de funcionarios cuesta 8.1 mdp cada día. Además, ¿existe un límite de edad para manejar en México? Dale play y... ¡Entérate!Un podcast de EL UNIVERSAL Hosted on Acast. See acast.com/privacy for more information.

Recuperan dos inmuebles despojados Ssa impulsa Sistema Universal de Salud  Bloquean orden de Trump contra el voto por correoMás información en nuestro podcast#grc

In this episode, Dr Tsen Vei Lim talks to Dr Emese Kroon. Emese is a postdoctoral researcher at the Center for Substance Use and Addiction Research at the Erasmus University Rotterdam in the Netherlands. The interview covers Emese's article on associations of cannabis use with cognitive functioning in individuals with a cannabis use disorder, looking at the moderating role of nicotine.Why nicotine is important when exploring cannabis use disorder [01:29]What we know about the effects of cannabis on the human brain [02:46]What the effects of nicotine are on cognitive function [04:40]The importance of understanding cognitive function in cannabis use disorder [06:05]How Emese addressed the research question [07:16]The key findings from the research [08:56]How do the findings inform how we currently treat cannabis use disorder [13:15]The differences between Emese's two samples in the study [16:01]Final thoughts from Emese [18:21]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 Emese Kroon: Emese is a postdoctoral researcher at Erasmus University Rotterdam and Aarhus University. Her work bridges neurocognition and socio-cultural context to understand substance use and mental health. She's especially interested in accurate measurement, cross-cultural perspectives, and social influence, and is committed to translating rigorous fundamental science into real-world policy and public dialogue on substance use.Tsen Vei and Emese have no conflicts of interest to declare.Original article: Cross-sectional and longitudinal associations of cannabis use with cognitive functioning in individuals with a cannabis use disorder: The moderating role of nicotine https://doi.org/10.1111/add.70457 The opinions expressed in this podcast reflect the views of the host and interviewees and do not necessarily represent the opinions or official positions of the SSA or Addiction journal.The SSA does not endorse or guarantee the accuracy of the information in external sources or links and accepts no responsibility or liability for any consequences arising from the use of such information.Music provided by Jack Shakespeare. Hosted on Acast. See acast.com/privacy for more information.

A low fee on your TSP is real — but it only pays for the investment account. It doesn't coordinate your FERS pension, Social Security timing, the FEHB/Medicare Part B decision, your survivor benefit election, or your taxes. Charles and Marcus walk through what a cheap plan quietly costs federal employees, why retirement flips the job from accumulation to distribution, and what to ask before hiring or switching advisors. Chapters: 0:00 Cheap Fees vs. the Whole Picture 0:30 Welcome + This Week's Question 1:51 Why Federal Employees Are Right to Care About Fees 2:52 Accumulation vs. Distribution: Why Retirement Changes Everything 6:06 The Trade-Offs That Don't Show Up on a Fee Schedule 8:51 Why Federal Retirement Isn't Just a 401(k) 11:11 Part B, Survivor Benefits & the Choices Nobody Assigns You 12:54 The Scissors and the All-Clad: What Quality Actually Buys 17:04 What to Ask Before You Hire (or Switch) an Advisor 19:34 When Is Cheap Actually Enough? 22:19 Watch Next CTA: Apply for a Retirement Consultation: https://apply.cdfinancial.org/6a694299bad1c9a176cdc79f/ Disclaimer: Advisory services are offered through CD Financial LLC dba CD Financial, an Investment Advisor in the State of California. Insurance products and services are offered through CD Financial & Insurance Services LLC, an affiliated company. Educational only; not financial, legal, tax, or investment advice. Figures discussed are illustrative — verify with the IRS, SSA, and OPM. Support the show

Social Security is one of the most important pieces of a retirement plan, but how does the system work, and will it remain financially viable for future retirees? Roger begins a five-week series on building your Social Security playbook by exploring the program's history, funding structure, and current financial outlook. He also discusses potential paths to solvency, how he accounts for Social Security in retirement planning, and why building a resilient plan remains essential.OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN[00:00] Roger introduces a new five-week series designed to help you build your Social Security playbook.[01:37] The Retirement Answer Man YouTube channel is relaunching with weekly videos that complement the podcast.PRACTICAL PLANNING SEGMENT[02:35] Roger outlines the five-week Social Security series and explains what you need to understand to build your own playbook.[05:02] A brief history of Social Security provides context for how the program and its purpose have evolved.[08:18] Roger explains how today's workers fund benefits for today's retirees through payroll taxes.[11:58] Demographic changes and longer lifespans have caused benefit payments to exceed incoming payroll-tax revenue.[15:45] The 2026 Trustees Report projects what could happen in 2032 if Congress does not address Social Security's funding shortfall.[21:50] Roger explores possible paths to solvency and explains how he accounts for Social Security when building a resilient retirement plan.LISTENER QUESTIONS[37:40] Will claiming a reduced benefit at age 62 also reduce a spouse's future survivor benefit?[39:08] Should the decision to claim Social Security early account for the assets that can remain invested?[43:17] Is OpenSocialSecurity.com a useful tool for choosing a claiming strategy, and how can you respond to someone who wants to claim early because they fear Social Security will run out of money? SMART SPRINT[46:42] Claim your personal Social Security account at SSA.gov and consider contacting your federal representatives about addressing the program's solvency.CLOSING THOUGHTS[48:28] A listener demonstrates how small, consistent efforts can compound into meaningful progress over time.[52:50] Allison reviews The Calamity Club by Kathryn Stockett, and Roger shares his current book recommendation.REFERENCESSocial Security AdministrationOpen Social SecuritySubmit a Question for RogerSign up for The NoodleRetirement Answer Man on YouTubeThe Calamity Club by Kathryn StockettThe Way of Excellence by Brad Stulberg

In this episode, Dr Annika Theodoulou speaks to Eleanor Bray, a research associate at the University of East Anglia, UK. The interview covers Eleanor's research article covering a content analysis of illicit vape messaging in young people's information sources.Illicit vaping and why it is an important issue in the UK [01:08]The Tobacco and Vapes Bill in the UK [03:21]How social media platforms like TikTok influence people's understanding of illicit vaping [04:04]What prompted Eleanor's team to explore this topic [05:20]The methods used in the study [06:30]The use of a public and patient engagement representative [09:25]The challenges of using TikTok in research [10:41]The main differences between TikTok and official educational resources [12:11]What we can learn from TikTok [15:45]The take home messages [17:15]About Annika Theodoulou: Annika is a Research Fellow at the National Centre for Education and Training on Addiction at Flinders University, South Australia. Her work focuses on health behaviours, including smoking cessation and weight management, with an emphasis on evidence synthesis. She completed a Doctor of Philosophy in Primary Health Care at the University of Oxford, where her research examined socioeconomic inequalities in smoking cessation behaviours and outcomes using quantitative and qualitative methods. Her doctoral research was funded by the Society for the Study of Addiction (SSA) and The Rotary Foundation. Annika is an Associate Editor of Nicotine & Tobacco Research and holds a Bachelor of Health Sciences and a Master of Clinical Science from the University of Adelaide.About Eleanor Bray: Eleanor is a Research Associate at the University of East Anglia, working within the Addiction Research Group at Norwich Medical School and the School of Psychology. She has worked on a range of projects within the Addiction Research Group exploring vaping cessation, smoking cessation and use of illegal and novel nicotine products. Her research interests focus particularly on the relationship between social media and addiction, as well as the role of co-production in facilitating harm reduction among young people. Eleanor has presented her research at an international conference and recently published her first paper published in Addiction.The authors declare no conflict of interest.Original article: #NoIDVape: A content analysis of illicit vape messaging in young people's information sources https://doi.org/10.1111/add.70476The opinions expressed in this podcast reflect the views of the host and interviewees and do not necessarily represent the opinions or official positions of the SSA or Addiction journal.The SSA does not endorse or guarantee the accuracy of the information in external sources or links and accepts no responsibility or liability for any consequences arising from the use of such information.Music by Jack Shakespeare. Hosted on Acast. See acast.com/privacy for more information.

In this episode of Rheuminations, host Adam J. Brown, MD, untangles the confusing serologies of lupus by learning about their discoveries from the beginning. He answers questions like what's the deal with immunofluorescence patterns, why does SSA/SSB have two names (Ro/LA), and is double-stranded DNA antibody really attracted to both strands? ·       The story of antibodies in lupus. 3:27 ·       The "LE" factor. 10:11 ·       The changing fluorescent patterns of the staining of the nucleus/ENAs. 18:50 ·       The anti-Smith antibody. 24:51 ·       The mysteries of SSA and SSB. 28:52 ·       Double-stranded DNA. 36:32 ·       Crithidia luciliae. 40:30  We'd love to hear from you! Send your comments/questions to Dr. Brown at rheuminationspodcast@healio.com. Follow us on Twitter @HRheuminations @AdamJBrownMD @HealioRheum. References: Aarden LA, et al. Ann NY Acad Sci. 1975;doi:10.1111/j.1749-6632.1975.tb29197.x Alspaugh MA, et al. Arthritis Rheum. 1976;doi:10.1002/art.1780190214 Aslpaugh MA, et al. J Clin Invest. 1975;doi:10.1172/JCI108007 Arana R, et al. J Clin Invest. 1967;doi:10.1172/JCI105677 Clark G, et al. J Immunol. 1969;PMED:4179557 Dubois EL, et al. Blood. 1957;doi:10.1182/blood.V12.7.657.657 Friou GJ, et al. J Immunol. 1958;doi:10.4049/jimmunol.80.4.324 Hargraves MM. Proc Staff Meet Mayo Clin. 1949;doi:10.1016/S0025-6196(25)08519-2 Haserick JR, et al. Am J Med Sci. 1950;doi:10.1097/00000441-195006000-00010 Rowell NR, et al. Arch Dermatol. 1963;doi:10.1001/archderm.1963.01590200064012 Tan EM, et al. J Clin Invest. 1966;doi:10.1172/JCI105479 Tsokos GC. J Immunol. 2006;doi:10.4049/jimmunol.176.3.1295

Your TSP has some of the lowest fees in the country — but a low-fee investment account is not the same thing as a written retirement income plan. In this short video, Charles explains what a real federal retirement plan actually coordinates, and what it costs you every year you wait.━━━━━━━━━━━━━━━IN THIS VIDEO YOU CAN LEARN━━━━━━━━━━━━━━━- Why low TSP fees don't add up to a retirement plan- What a real plan coordinates: FEHB, Medicare Part B, survivor benefits, and Social Security timing- How tax-deferred savings turn into RMDs — and who picks the number if you don't- The Medicare Part B cycle that quietly raises your costs as your income rises- The two things every written retirement income plan should start withWhat worries you more — paying higher fees, or not having a plan at all? Drop it below

Ssa  prepara modelo integral contra enfermedades crónicas Canadá anuncia represalias comerciales contra Estados UnidosDía Mundial del Folclore celebra la identidad de los pueblosMás información en nuestro podcast#grc

Add the employees at the Agriculture Department's Rural Development Agency to the growing list of successful feds who have won grievances before an arbitrator after losing their remote work and telework rights. Arbitrator Margaret Donaghy ruled Wednesday in favor of RDA employees represented by the American Federation of State, City and Municipal Employees. The union filed a grievance when USDA ended teleworking and remote work agreements without bargaining in April 2025. Donaghy ordered USDA to restore the telework and remote work arrangements and make the employees whole by paying any travel expenses, compensation or credit for additional hours worked. Suzanne Summerlin, the attorney representing the employees, says this is the fifth arbitration award won by employees in recent months with similar awards issued at the Forest Service, HUD, the IRS, and SSA.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In this episode, Dr Elle Wadsworth talks to Dr Tobias (Toby) Atkin, psychiatrist and a research fellow in Addiction Psychiatry at Columbia University in the US. The interview covers Toby's opinion and debate piece on redefining success in cannabis use disorder treatment.[There are some light knocks/clicks in this episode – we apologise for any disruption!]The motivation behind Toby's opinion and debate piece [00:50]The treatments that are available for cannabis use disorder today [02:52]The limitations of abstinence-focused endpoints in cannabis use disorder treatment [04:50] What we can learn from tobacco and alcohol in terms of reduction-based outcomes in cannabis use disorder treatment [06:26]Methodological challenges with measuring outcomes for cannabis use disorder treatment [08:23]The tiered outcome framework proposed in Toby's article [09:26]Different measures of abstinence in cannabis use disorder trials [11:45]The decision to choose frequency over quantity as the core outcome [13:06]The key messages of the article [14:18]What Toby hopes to get out of this opinion and debate piece [16:27]About Elle Wadsworth: Elle is an academic fellow with the Society for the Study of Addiction. She is based at the University of Bath with the Addiction and Mental Health Group and her research interests include drug policy, cannabis legalisation, and public health. Elle holds a voluntary role at The Loop, a non-profit service provider of drug checking in the UK. About Toby Atkin, MD: Toby is an addiction psychiatry fellow in the Division of Pathophysiology and Treatment Research at New York-Presbyterian/Columbia University Irving Medical Center and the New York State Psychiatric Institute. He completed psychiatry residency at Columbia and is supported by a NIDA T32 fellowship under the mentorship of Frances Levin, MD, and Christina Brezing, MD. His research examines psychiatric comorbidity and treatment outcomes in substance use disorders, including a latent class analysis of psychiatric subtypes in opioid use disorder treatment and a pilot randomised trial of viloxazine for alcohol use disorder. He maintains a private practice in Brooklyn treating mood and addiction disorders.Declarations of interest: None Original article: Beyond abstinence: Redefining success in cannabis use disorder treatment https://doi.org/10.1111/add.70517The 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.

Your TSP withdrawals can trigger consequences you never see coming — and sometimes "doing nothing" is the biggest mistake of all. In this short video, Charles walks through the TSP withdrawal traps that quietly cost federal retirees: lump sums that bump your tax bracket, Medicare premium spikes (IRMAA), a hidden jump in how much of your Social Security gets taxed, and RMDs that take the wheel if you don't plan.━━━━━━━━━━━━━━━IN THIS VIDEO YOU CAN LEARN━━━━━━━━━━━━━━━- How a big lump-sum withdrawal can push you into a higher tax bracket- How TSP withdrawals can spike your Medicare Part B premium (IRMAA)- How you can accidentally make more of your Social Security taxable- Why doing nothing lets RMDs — and the IRS — take control in your 70s- Why "purposeful and intentional" withdrawals need a written planAre you planning your TSP withdrawals — or leaving it alone and hoping it works out? Drop a Y or N

A surviving spouse may retain much of the household income—but suddenly face higher Medicare premiums and tax brackets. In Money Matters Episode 348, Christopher Hensley speaks with IRMAA Certified Planner Mark Annese about the widow's Medicare penalty and other retirement decisions that can trigger IRMAA. IRMAA—the Income-Related Monthly Adjustment Amount—is an additional charge applied to Medicare Part B and Part D premiums based on income reported two years earlier. Roth conversions, required minimum distributions, investment sales, and other seemingly reasonable financial decisions can create unexpected Medicare costs later. In this episode: • What IRMAA is and how the two-year income lookback works • Why the death of a spouse can create a "widow's penalty" • How Roth conversions and RMDs may affect Medicare premiums • When an SSA-44 appeal may be available after a life-changing event • Why Medicare planning should be coordinated with retirement and tax planning • How advisors can model potential IRMAA consequences before decisions are made Guest: Mark Annese, IRMAACP™ IRMAA Certified Planner, Advisor Coach, and Solutions Architect Retirement Advisor Pro: https://www.retirementadvisorpro.com Host: Christopher Hensley, RICP®, CES® Money Matters Podcast: https://www.moneymatterspodcast.com Watch the video episode: https://youtu.be/ObQJ6HQhdj4 This program is provided for educational purposes only and does not constitute individualized investment, tax, legal, or Medicare advice. Medicare premiums, income thresholds, and regulations change over time. Consult qualified professionals about your individual circumstances.

Jim and Chris discuss listener emails on the Social Security Fairness Act, an IRMAA question involving deferred compensation, Roth conversions before and after key age milestones, Roth contributions for high-income catch-up savers, and how TEFRA affects an inherited annuity. (9:45) — A listener disagrees with the show’s characterization of the Social Security Fairness Act as unfair, explaining that after paying into both a government pension and Social Security for 40 quarters, she believes receiving both without penalty is fair for her situation. (27:45) — The guys field a question from a retiree who retired in 2025 and will receive deferred compensation payments through 2029 that push his income over the IRMAA threshold. He wonders whether he can file an SSA-44 in 2029 to eliminate the IRMAA surcharges. (37:00) — Jim and Chris are asked to revisit a recent discussion on moving money from Traditional to Roth accounts instead of taking distributions, with a listener wanting more detail on the implications of doing so before age 59 and a half and after RMD age. (48:30) — George asks for the pluses and minuses of continuing Roth 401(k)/403(b) contributions later in life compared with investing in a taxable brokerage account, including how a 50-year-old might decide between the two and whether those aged 61-63 should use the Roth option for super catch-up contributions. (1:03:30) — A listener has several questions about TEFRA, including what it stands for, when it was enacted, and how it affects distributions from an inherited annuity listing Pre-TEFRA and Post-TEFRA cost basis. The post Social Security, IRMAA, Roth Conversions, Roth Contributions, TEFRA: Q&A #2633 appeared first on The Retirement and IRA Show.

AARP's John Hishta joins Larry O'Connor to explain the 2032 Social Security cliff — the year benefits get slashed 22% across the board if Congress doesn't act. Hishta also reveals how many Americans over 50 still haven't opened their SSA.gov account, what this October's cost-of-living increase is expected to be, and the one phone call that fixes most Social Security problems. Everything you need to know about your benefits, your work history, and when to claim. Visit https://www.AARP.org/SocialSecurity for more info or visit SSA.gov to create an account, access your benefits and see how much you’re owed.Become a Townhall VIP member with promo code "LARRY": https://townhall.com/subscribeSee omnystudio.com/listener for privacy information.

In this episode, Dr Tsen Vei Lim talks to Sinclair Carr and Dr Jürgen Rehm. Sinclair is a PhD candidate at the Harvard T.H. Chan School of Public Health in the US, and Jürgen is a Senior Scientist at the Centre for Addiction and Mental Health in Canada. The interview covers Sinclair and Jürgen's updated review of the relationship between dimensions of alcohol consumption and the burden of disease. How do we determine causality? [01:29]What is Mendelian randomisation? [02:54]How do we use genes to explore causality of alcohol consumption in later life? [04:40]The context behind this study [06:05]The headline findings from the review [09:28]How can we mitigate bias as researchers? [14:18]How Sinclair and Jürgen envisage the findings to effect current alcohol policy [17:20]The barriers to enacting an effective public health policy for alcohol [20:28]Refining the methods for next steps in this review [23:50]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 Sinclair Carr: Sinclair is a PhD candidate in Population Health Sciences – Epidemiology at the Harvard T.H. Chan School of Public Health, US. His research focuses on drawing causal inferences from large observational databases, with two aims: to estimate the effects of pharmacologic and lifestyle interventions, such as alcohol use, on cardiovascular and other health outcomes; and to transport these effect estimates to target populations most relevant for clinical and policy decision-making. He hopes these efforts ultimately help improve the prevention of chronic diseases.About Jürgen Rehm: Jürgen is Senior Scientist in the Institute for Mental Health Policy Research and in the Campbell Family Mental Health Research Institute at the Centre for Addiction and Mental Health (CAMH). He is Professor and was the Inaugural Chair of Addiction Policy in the Dalla Lana School of Public Health at the University of Toronto, and he also holds other professorships and positions in Canada, Germany and Spain. His work has been awarded with numerous awards and prizes, most importantly, the Jellinek Memorial Award (2003), the European Addiction Research Award (2017) and the (Inaugural) Kettil Bruun Society Award for Advancement of International Research Collaboration (2021). Original article: A review of the relationship between dimensions of alcohol consumption and the burden of disease: 2026 update including Mendelian randomisation studies https://doi.org/10.1111/add.70435The opinions expressed in this podcast reflect the views of the host and interviewees and do not necessarily represent the opinions or official positions of the SSA or Addiction journal.The SSA does not endorse or guarantee the accuracy of the information in external sources or links and accepts no responsibility or liability for any consequences arising from the use of such information.Music provided by Jack Shakespeare. Hosted on Acast. See acast.com/privacy for more information.

Can a federal employee retire at 60 with $850,000 in TSP and a FERS pension? In this episode, Charles and Marcus walk through a real federal retirement case study — the FERS pension formula, Social Security timing, and a safe TSP withdrawal rate — to answer the question everyone in this position is asking: retire now, or wait?━━━━━━━━━━━━━━━IN THIS VIDEO YOU CAN LEARN━━━━━━━━━━━━━━━- The FERS pension formula — and the 10% bonus you get by waiting to age 62 with 20+ years of service- Why Social Security timing can grow your check by 8% a year after age 67- The 4% TSP withdrawal rule — and why it's a fuel gauge, not a hard limit- How to build a 3-pillar income floor: FERS pension + Social Security + TSPAre you within a few years of retiring at 60? Drop your target retirement age below, and I'll tell you the first thing I'd check for your situation.

Have a Financial Advisor for Federal Employees respond to your questions. Apply for a Retirement Consultation:https://apply.cdfinancial.org/6a694299bad1c9a176cdc79f/Two federal employees retire the same year with the same TSP balance. Five years later, one has paid tens of thousands more in taxes. The difference wasn't the market — it was the withdrawal decisions. In this episode, Charles and Marcus walk through the five TSP withdrawal mistakes behind that gap, and how to avoid each one.━━━━━━━━━━━━━━━START HERE━━━━━━━━━━━━━━━Apply for a Retirement Consultation:https://apply.cdfinancial.org/6a694299bad1c9a176cdc79f/Get the Digital Federal Retirement Guidebook:https://cdfinancial.org/being-a-federal-employee-book/Subscribe for Weekly Federal Retirement Planning Content:https://cdfinancial.com/newsletter━━━━━━━━━━━━━━━IN THIS EPISODE━━━━━━━━━━━━━━━- Mistake 1: the big lump sum — why cutting into the "wheel of cheese" too fast can't be undone- Mistake 2: why the tax withheld is NOT the tax you owe (and the filing-season surprise)- Mistake 3: withdrawal order — how pulling from the wrong bucket can cost more than a bad market year- Mistake 4: timing that trips IRMAA and bracket creep — including the 2-year lookback- Mistake 5: the fix — a written withdrawal sequence before you separate- Why the goal isn't the lowest tax THIS year, it's the lowest tax over 20–30 years━━━━━━━━━━━━━━━TIMESTAMPS━━━━━━━━━━━━━━━0:00 Same Balance, Tens of Thousands Apart0:31 Welcome — CD Financial Podcast2:13 Mistake 1: The Big Lump Sum (The Wheel of Cheese)3:42 Mistake 2: Withholding Isn't Your Real Tax Bill6:24 Mistake 3: Withdrawal Order — Traditional vs. Roth7:48 Sailing the Tides: Adjusting Year to Year9:30 Lower Brackets Now = Smaller RMDs Later11:55 Mistake 4: IRMAA & Bracket Creep (2-Year Lookback)14:52 Mistake 5: The Written Withdrawal Sequence16:10 Watch Next: FERS Retirement Explained━━━━━━━━━━━━━━━WHO WE ARE━━━━━━━━━━━━━━━CD Financial helps federal employees and retirees make smarter retirement decisions around FERS, TSP, taxes, Medicare, and retirement income planning — where health meets wealth.━━━━━━━━━━━━━━━IMPORTANT DISCLAIMER━━━━━━━━━━━━━━━Advisory services are offered through CD Financial LLC dba CD Financial, an Investment Advisor in the State of California. Insurance products and services are offered through CD Financial & Insurance Services LLC, an affiliated company.Educational only; not financial, legal, tax, or investment advice. Tax brackets, IRMAA thresholds, Social Security taxation, and RMD rules depend on your individual situation and change yearly — verify with the IRS, SSA, and a qualified tax professional before acting. Client examples are anonymized and illustrative.#TSP #TSPWithdrawals #FederalRetirement #IRMAA #TaxPlanning #CDFinancialSupport the show

In this episode, Dr Elle Wadsworth talks to Dr Louise Marryat, a senior research fellow at the University of Glasgow, Scotland. The interview covers Louise's systematic review on prenatal opioid exposure, and health, social and educational outcomes for school-aged children.The motivation behind Louise's systematic review [00:50]The current evidence surrounding prenatal opioid exposure and early outcomes [02:13]What Louise defined as prenatal opioid exposure in her review [03:08] The limitation of small sample sizes in the included studies [04:08]The methods of the review [04:55]The key findings of the review [08:20]The implications of the findings on Scottish health policy [12:38]The take home messages for researchers and clinicians [15:48]About Elle Wadsworth: Elle is an academic fellow with the Society for the Study of Addiction. She is based at the University of Bath with the Addiction and Mental Health Group and her research interests include drug policy, cannabis legalisation, and public health. Elle holds a voluntary role at The Loop, a non-profit service provider of drug checking in the UK. About Louise Marryat: Louise is a UK Research and Innovation (UKRI) Future Leaders Fellow and Senior Research Fellow at the University of Glasgow. A sociologist by training, she holds a PhD in Psychological Medicine and has dedicated her career to understanding the social, environmental, and psychological factors that shape health and wellbeing across the life course. She currently leads the UK Opioids in Pregnancy Study (https://opioidsinpregnancy.gla.ac.uk/), exploring the impacts of opioid use and treatment during pregnancy on mothers and children. Her research focuses on reducing health inequalities and improving outcomes for children, families, and communities experiencing disadvantage through evidence-based policy and practice.Declarations of interest: None Original article: Prenatal opioid exposure, and health, social and educational outcomes for school-aged children: A systematic review https://doi.org/10.1111/add.70510 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.

Jeff Easson is a retired U.S. Navy Command Master Chief with 30 years of service — an achievement earned by less than 1% of enlisted sailors. Born in Windsor, Ontario, Canada, he moved to Ormond Beach, Florida at age 11, where he traded hockey for surfing and competed in the ESA and SSA through high school. After a run-in with the law led him to enlist, he built a career in Navy finance and HR, rising to senior enlisted leadership. He's now retired back home in Daytona. Enjoy this chat with John Brooks and Kevin Miller. 

In this episode, Dr Tsen Vei Lim talks to Dr Anastasia Demina, an addiction physician and researcher at the Dijon Bourgogne University Hospital and Université Bourgogne Europe, France. The interview covers Anastasia's randomised controlled triple-blind trial on the efficacy and safety of transcranial direct current stimulation in alcohol use disorder.The current available treatments for alcohol use disorder [01:11]Why transcranial direct current stimulation is needed [03:38]The process of transcranial direct current stimulation [04:51]The key findings of the study [07:31]How transcranial direct current stimulation works among current treatments for alcohol use disorder [12:21]The next steps for implementing transcranial direct current stimulation into clinical practice [16:04]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 Anastasia Demina: Anastasia MD, PhD, is an addiction physician and researcher at the Dijon Bourgogne University Hospital and Université Bourgogne Europe. Her research focuses on optimising non-invasive brain stimulation to improve outcomes in individuals with substance use disorders, bridging neuroscience and clinical translation. She has led and contributed to clinical trials, systematic reviews and meta-analyses, and international collaborations in neuromodulation and addiction.Original article: Efficacy and safety of transcranial direct current stimulation in alcohol use disorder: A randomized controlled triple-blind trial https://doi.org/10.1111/add.70461The opinions expressed in this podcast reflect the views of the host and interviewees and do not necessarily represent the opinions or official positions of the SSA or Addiction journal.The SSA does not endorse or guarantee the accuracy of the information in external sources or links and accepts no responsibility or liability for any consequences arising from the use of such information.Music provided by Jack Shakespeare. Hosted on Acast. See acast.com/privacy for more information.

Social Security Commissioner and IRS Commissioner Frank Bisignano joins Lisa Boothe for an in-depth conversation about modernizing America's largest government agencies, eliminating fraud, and bringing private-sector innovation to Washington. Drawing on decades of leadership at Citigroup, JPMorgan Chase, First Data, and Fiserv, Bisignano explains why he left the corporate world to serve in the Trump administration, how technology is transforming Social Security, and what Americans should know about the future of Trump Accounts for children.See omnystudio.com/listener for privacy information.

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

Throughout 2026, you cast your nominations for the FedScoop 50, and the results are in. Hundreds of top executives from across the government tech landscape are now up for vote to see who will be honored among this year's FedScoop 50. Voting is open now and runs through September 25. Make your voice heard to help us select who will be recognized on this year's list. One of those nominees in the prestigious Golden Gov category for this year is Department of Commerce CIO Brian Epley. Epley joined the Daily Scoop Podcast to share updates on Commerce's AI adoption and how the sprawling department manages the pace of innovation within the bureaucratic government planning and budgeting cycles, and much more. The Secret Service is planning to spend up to $20 million on AI robots for target practice as part of a contract it expects to award in the fourth quarter of fiscal 2026, per recently published acquisition planning documents. The Department of Homeland Security unit wants to add one autonomous robotic system that will include eight all-terrain infantry targets, one vehicle target and four other infantry targets. The Secret Service will require its robotic training squad to wear ballistic protection for various ammunition calibers. The agency has been building up its autonomous training tools with Marathon Targets, starting back in 2023. Over the past few years, the Secret Service has spent more than $4 million on the vendor's autonomous robotic targeting system, according to USAspending records. The latest follow-on, no-competition contract is an expansion of these efforts. The Department of Government Efficiency's time in Washington is over, but a pair of Democratic senators aren't done pushing for answers about the Elon Musk group's undertakings at the Social Security Administration. In a letter sent last week, Sens. Sheldon Whitehouse of Rhode Island and Ron Wyden of Oregon blasted SSA Commissioner Frank Bisignano for providing “inadequate responses” to congressional inquiries about DOGE's handling of data and related information security risks. “Over the past fourteen months, we have repeatedly sought basic information about DOGE's activities at SSA,” the Democrats wrote. “Your responses have either been unresponsive or later disproved by SSA's own admissions.” 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.

There's a new bill in Washington that sounds like a fix but is really just a promise to eventually have a debate about one. That's not why this episode matters. What matters is that Social Security is suddenly everywhere in the headlines, and if you've been putting off understanding how your own claiming decision actually works, that's a gap that gets more expensive the longer it sits. This episode is the one to finally close it. No single mistake, no one hot take, just a real walkthrough of the claiming ages, the spousal rules, the survivor benefits, and the myths that trip people up most, so you can stop guessing and start deciding with confidence.What You'll Walk Away WithWhy the "estimated benefit" number on your Social Security account can be wildly wrong, especially if you're not planning to work until 67The real reason waiting until 70 pays off, and why it has almost nothing to do with growthA subtle, surprisingly common mistake that can quietly wreck a smart claiming strategy years after you made itWhat actually happens to your benefit if your spouse passes away first, and how remarriage timing can change everythingWhy the industries where workers never pay into Social Security create a completely different retirement mathThe dollar threshold that can force you to pay back benefits you already claimedA 2024 rule change that may directly affect certain public employees and hasn't gotten nearly enough attentionWhy raising the retirement age matters a lot less than people assume, depending on how you actually want to retireHow a totally different tax, the Medicare surcharge, quietly rides along with your Social Security decisionsA quick true-or-false round that separates Social Security fact from the myths everyone repeatsWhy This Matters NowIf you're in your 40s, Social Security can feel like something to figure out later, right up until a headline makes it feel urgent and confusing at the same time. The truth is, you don't need to predict what Congress will do. You need to understand the mechanics that are already in your control: when you claim, how you and a spouse coordinate, and how your own work history shapes the number. Get that right, and you turn a source of money stress into one less thing you have to worry about, freeing up mental space for the parts of your financial life you actually want to think about, like the next trip, not the next committee hearing.From the BasementDoug tests his trivia chops with a game built to separate fact from political fantasy, and OG gets fired up about something that has absolutely nothing to do with retirement, and everything to do with golf tickets. It's the reminder that even a deep dive into claiming strategy still comes with a little basement chaos along the way.Resources MentionedThe PROMISE Act, explained — CNBC's breakdown of the bipartisan bill and the 2032 trust fund deadlineCreate your SSA.gov account — check your earnings history and benefit estimateid.me login for SSA.gov — the identity verification step for your Social Security accountThe Walt Disney Company: Walt's Era — Acquired podcast — the four-hour deep dive Doug referenced on Disney, Oswald the Rabbit, and protecting your nameStacking Benjamins Guides - Scout + a quick and easy checklist are just two of the reasons these complete reference tools are your top choice to manage your HR Benefits, your taxes, or college planning.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In this episode, Dr Elle Wadsworth talks to Annette Nugteren-van Lonkhuyzen, a PhD student and toxicologist at the Dutch National Poisons Information Centre in Utrecht, the Netherlands. The interview covers Annette's research article examining trends in new psychoactive substance (NPS) poisonings in the Netherlands over a 14-year period.The definition of NPS [01:05]The wider legal context in the Netherlands surrounding NPS [01:40]The legal status of NPS in Annette's study [03:16] The motivation behind the study [03:49]The data source used in this study [06:19]The key findings with regards to total NPS poisonings [08:46]The key findings throughout the different NPS classes [09:33]Annette's surprising findings [11:46]Changes in trends before and after a law change [13:18] The differences in results according to the data sources used [15:30]The utility of poison centre data for monitoring drug markets [17:00]About Elle Wadsworth: Elle is an academic fellow with the Society for the Study of Addiction. She is based at the University of Bath with the Addiction and Mental Health Group and her research interests include drug policy, cannabis legalisation, and public health. Elle holds a voluntary role at The Loop, a non-profit service provider of drug checking in the UK. About Annette Nugteren-van Lonkhuyzen: Johanna J. (Annette) (MSc, ERT) studied Biomedical Sciences at Vrije Universiteit Amsterdam in the Netherlands. Since 2009, she has worked at the Dutch National Poisons Information Centre (NVIC) in Utrecht, initially as a Specialist in Poisons Information (SPI) and subsequently as a researcher. In 2023, she obtained her registration as a European Registered Toxicologist (ERT). Annette is currently completing her PhD research on the monitoring and early detection of health incidents involving new psychoactive substances (NPS).Declarations of interest: None Original article: Trends in new psychoactive substance poisonings in the Netherlands: A 14-year retrospective analysis (2012–2025) https://doi.org/10.1111/add.70511The 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.

Social Security Is in Bad Shape. Does It Still Make Sense to Wait? Episode 391 – The new Social Security Trustees Report is out, and as usual, the news is not good. If the two Trust Funds were combined, they are projected to be insolvent in the third quarter of 2034. Is that enough of a reason to consider collecting earlier? More SML Planning Minute Podcast Episodes Transcript of Podcast Episode 391 Hello, this is Bill Rainaldi, with another edition of Security Mutual's SML Planning Minute. In today's episode: Social Security is in bad shape. Does it still make sense to wait? As you may have heard, the U.S. Department of Treasury released its 2026 Social Security and Medicare Trustees Reports on June 9. Neither program is doing particularly well, but the Social Security Trust Funds seem to be getting the most attention. There are two Social Security Trust Funds: one for retirement and one for disability. According to the 2026 report, the retirement fund, or the “Old-Age and Survivors Insurance Trust Fund,” will run out of money during the fourth quarter of 2032. The other (smaller) fund, the “Disability Insurance Trust Fund,” is in a much stronger position than it was a few years ago. The current report projects that this one will be able to pay 100 percent of total scheduled benefits at least through the year 2100.[1] There's a certain amount of public confusion over the projected finances of the two funds. The two funds are separate entities and cannot be combined into one without a change in the law. But if they did get combined, and many people assume they eventually will be, the resulting mega-fund is projected to last until the third quarter of 2034. From that point forward, they would only be able to pay approximately 83 percent of the scheduled benefits.[2] There have been a number of proposed “fixes” to the Social Security problem. Right now, there are two approaches that seem to be getting the most attention: raising taxes and reducing benefits. One of the suggested ways of raising taxes is increasing or eliminating the Social Security “cap,” which is $184,500 in 2026.[3] If your wages exceed this amount, the Social Security withholding of 6.2 percent for the employee, plus 6.2 percent for the employer, no longer applies. Above that amount, there is no withholding, nor is there any benefit that would be payable from it. Note that unlike Social Security, Medicare's withholding of 1.45 percent has no upper limit. When it comes to benefit reductions, the most common suggestion is to increase Full Retirement Age, or FRA. FRA, the age at which you receive your full, unreduced Social Security benefit, is currently age 67. The belief is that, since people are living significantly longer than they were years ago, extending FRA is a sensible way to “fix” the Social Security Trust Funds. It remains unclear which solution will eventually win out. When Congress last took on this issue back in 1983, the result was a combination of both: an increase in withholding taxes and an extension of Full Retirement Age. Either way, the prevailing thought is that they will eventually do something to fix it, one way or the other. Given the popularity of Social Security among America's seniors, it seems unlikely that they will ever allow that projected 17 percent reduction in benefits to take place.[4] But what if they're wrong, and the projected drop actually occurs? Should that possibility be a significant factor in your claiming decision? In most cases, no. The logical response seems to be that if Social Security benefits are reduced by 17 percent in 2034, it would be a good reason to claim earlier, correct? In other words, it would make more sense to start collecting as early as possible, say age 62, before the benefit is reduced. Keep in mind how the math works. If you start at 62, you're collecting five years ahead of schedule, but the tradeoff is a 30 percent lifetime reduction. So, while you get off to a head start, at some point you'll be better off waiting, assuming you live long enough. A quick analysis indicates that the breakeven occurs around age 79. So, if you live past that age, you're theoretically better off waiting, although there are some other factors, such as cost-of-living adjustments and the time value of money, that you may want to consider. The same thing applies to delaying when you collect. You have the option of waiting until after Full Retirement Age, possibly as late as age 70. The incentive is an 8 percent per year increase. Survivor benefits can also play a big role in the calculation. For a married couple where both are past FRA, the survivor benefit is basically the higher of the two. So, if I'm collecting $3,000 per month and my wife is collecting $1,000 per month, if something happens to me, she would “step up” to the $3,000 per month benefit. When doing the analysis, this becomes a potential reason for me to delay collecting, especially if she has a longer life expectancy than I do or is at least a few years younger than me. And don't forget about the Earnings Test. Your benefit could be temporarily reduced if you collect before FRA and continue to work, earning over a certain amount in wages. For 2026, that amount is $24,480, and the benefit reduction is $1 for every $2 over.[5] In some circumstances, that makes it impractical to collect before FRA, even if that's what you would prefer. Confused yet? Imagine how people feel when they add in the potential 17 percent benefit cut in 2034. How could that potentially impact your decision? There are no simple answers, of course. But just understand that the projected cut, if it happens, would be across the board. In other words, if you wait until age 70, even if your benefit is reduced, it will still be 24 percent higher than it would have been had you collected at 67. So, when it comes to your decision, the effect of a potential insolvency of the Trust Funds is limited. David Blanchette, Head of Retirement Research at Prudential Financial, has studied this issue in detail. His conclusion is that when you assume a potential benefit cut, the math is different, but not very much.[6] Other factors, such as life expectancy, survivor benefits and cost-of-living adjustments, could play a bigger role. Other academic studies have reached a similar conclusion.[7] In many—but not all—cases, whatever works best before what could be called “Social Security doomsday” will still be the best choice afterwards, whether we actually see that day or not. Every case is different, but one possible exception might be someone with a shorter life expectancy.  In that case, collecting as early as possible might make sense. [1] Social Security Administration. “A Summary of the 2026 Annual Reports.” SSA.gov. https://www.ssa.gov/OACT/TRSUM/index.html (accessed June 15, 2026). [2] Id. [3] Social Security Administration. “2026 Social Security Changes.” SSA.gov.  https://www.ssa.gov/news/en/cola/factsheets/2026.html (accessed June 16, 2026). [4] Nuñez, Stephen. “Will Social Security Run Out?” Is the Wrong Question: How Lawmakers Can Protect Beneficiaries and Strengthen OASI.” Rooseveltinstitute.org. https://rooseveltinstitute.org/publications/will-social-security-run-out-is-the-wrong-question/ (accessed June 15, 2026). [5] Social Security Administration. “Exempt Amounts Under the Earnings Test.” SSA.gov.  https://www.ssa.gov/OACT/COLA/rtea.html  (accessed June 15, 2026). [6] Blanchette, David. “The Case for Delaying Social Security–Even if You Think Benefits Will Be Cut.” wsj.com. https://www.wsj.com/articles/the-case-for-delaying-social-securityeven-if-you-think-benefits-will-be-cut-01603298761 (accessed June 15, 2026). [7] Pfau, Wade and Parrish, Steve. “Which Social Security Claiming Strategy Generates the Highest Legacy Value?” FPA.org. https://www.financialplanningassociation.org/learning/publications/journal/JAN23-which-social-security-claiming-strategy-generates-highest-legacy-value-OPEN (accessed June 15, 2026).   More SML Planning Minute Podcast Episodes This podcast is brought to you by Security Mutual Life Insurance Company of New York, The Company That Cares®. The content provided is intended for educational and informational purposes only. Information is provided in good faith. However, the Company makes no representation or warranty of any kind regarding the accuracy, reliability, or completeness of the information. The information presented is designed to provide general information regarding the subject matter covered. It is not to serve as legal, tax or other financial advice related to individual situations, because each individual's legal, tax and financial situation is different. Specific advice needs to be tailored to your situation. Therefore, please consult with your own attorney, tax professional and/or other advisors regarding your specific situation. To help reach your goals, you need a skilled professional by your side. Contact your local Security Mutual life insurance advisor today. As part of the planning process, he or she will coordinate with your other advisors as needed to help you achieve your financial goals and objectives. For more information, visit us at SMLNY.com/SMLPodcast. If you've enjoyed this podcast, tell your friends about it. And be sure to give us a five-star review. And check us out on LinkedIn, YouTube and Twitter. Thanks for listening, and we'll talk to you next time. Tax laws are complex and subject to change. The information presented is based on current interpretation of the laws. Neither Security Mutual nor its agents are permitted to provide tax or legal advice. The applicability of any strategy discussed is dependent upon the particular facts and circumstances. Results may vary, and products and services discussed may not be appropriate for all situations. Each person's needs, objectives and financial circumstances are different, and must be reviewed and analyzed independently. We encourage individuals to seek personalized advice from a qualified Security Mutual life insurance advisor regarding their personal needs, objectives, and financial circumstances. Insurance products are issued by Security Mutual Life Insurance Company of New York, Binghamton, New York. Product availability and features may vary by state.​ SubscribeApple PodcastsSpotifyAndroidPandoraby EmailTuneInDeezerRSSMore Subscribe Options

Toni explains that Social Security is the place to sign up for Medicare. Do you have a SSA.gov account? Toni's new Medicare Survival Guide Advanced Edition book is available now - pick up your copy at www.tonisays.com Want more information? Take advantage of Toni's brand new video series now a available at https://tonisays.com Remember - with Medicare it's what you don't know that will hurt you! There's so much good information in this podcast, please be sure to share this podcast with your friends! Recognized by feedspot.com as one of the best Medicare Podcasts in the nation! Write Toni - info@tonisays.com. Toni's book is available at www.seniorresource.com and https://tonisays.com You can call Toni at 832-519-8664 Toni welcomes all Medicare questions. Toni now offers informative Medicare Webinars for all of your Medicare needs at https://tonisays.com You can find Medicare Moments wherever you find your favorite podcasts, such as: Apple: https://apple.co/44MoguG Spotify: https://open.spotify.com/show/7c82BS4hb145GiVYfnIRsoAmazon Music: https://music.amazon.com/podcasts/884c1f46-9905-4b29-a97a-1a164c97546b/medicare-moments?refMarker=null You can find Medicare Moments at: https://podcasts.seniorresource.com/medicare-moments/ Toni's new book: Maze of Medicare is now available at www.tonisays.com Combining Scripture with Medicare, it is the only book of its kind. Toni's columns appear weekly in about 100 newspapers across America. If you would like Toni's column to appear in your local paper, or if you would like Toni to speak at an event - contact Toni King at 832-519-8664 Thank you for listening and be sure to tell your friends about Medicare Moments! Blessings! Toni KingSee omnystudio.com/listener for privacy information.

Chalked Cast and chill with the Chalked Squad - Support this podcast: https://podcasters.spotify.com/pod/show/chalked-cast/support0:00 - Intro1:14 - Is performance taking a hit in Rocket League?6:07 - NA and SAM RLCS 1v1 wrap up and review22:59 - Put some respect on AYYJAYY's name28:20 - OCE and SSA 1v1 Recap, beef in the APAC 1v1 Tournament34:13 - How should RLCS 1v1 and 2v2 change? Does 2v2 or 3v3 have more strategy?45:08 - Could 2v2 replace RLCS 3v3? How we would adjust the RLCS calendar 56:48 - More 1v1 and 2v2 LANs? How to expand 1s and 2s across the globe1:07:10 - EWC BYOC LCQ

Metro de Caracas reanuda operaciones en todas sus líneasPara el 2030 se eliminará el VIH como problema de salud pública: SsaAlessandra Smerilli dirigirá un Dicasterio anuncia El VaticanoMás información en nuestro podcast#grc

Hay que mantener la calma pide Sheinbaum tras el hallazgo de medicamentos caducos Irán niega diálogo con Estados Unidos en CatarSarajevo, la ciudad donde conviven cuatro grandes religionesMás información en nuestro podcast#grc

Varig, VASP, Panair, the names are long gone, but they put Brazil on the map for us, alongside iconic cinema imagery and a legendary national football team that captured every kid's imagination.Grab a caipirinha (and some black licorice) as we chart how the jet age shaped our vision of the country, before diving into our actual experiences flying in and out of SDU (that final!), GIG, CGH, GRU, POA, SSA, and IGU.From Paulistano football derbies and missing luggage to drunken airport runs, domestic workhorses, rustic 737s, the Concorde, or 7AM beef, it's all in there.Enjoy the World Cup, the heat, and Happy Flying! (We had a recording issue, you won't notice it on the audio, but there are a handful of video cuts made to correct the sync, barely noticeable!). 

On Tuesday's Mark Levin Show, Ben Ferguson fills in for Mark. Democratic Texas Senate candidate James Talarico presents himself as a moderate, faith-based Christian pastor who rejects Christian nationalism. Talarico is actually a radical progressive activist who weaponizes Christianity for left-wing politics.  Talarico's radical positions - God is non-binary, there are more than two biological sexes, the Bible affirms abortion access, and poverty/pollution/prison equal violence. This man is not fit for the Senate. Later, President Trump selected Kash Patel to combat waste, fraud, and abuse, is proving to be an excellent choice as evidenced by a record-setting $6.5 billion healthcare fraud crackdown charging around 450 defendants, primarily in Medicaid and hospice schemes. Officials emphasized unprecedented state-federal cooperation across 45 states and attorneys general, building complete case files for swift law enforcement action—the first such unified effort in modern history. Afterward ,a Biden-appointed federal judge issued a 75-page opinion shutting down the Trump administration's modified SAVE system database, created via executive order to verify citizenship or immigration status of registered voters through DHS and SSA records. This activist decision promotes lawlessness and voter fraud by blocking checks on non-citizens, dead people, and illegal immigrants, especially ahead of midterms. The same judge also blocked an FTC antitrust probe into Media Matters and barred deportation of unaccompanied migrant minors for family reunification abroad. Meanwhile, Senator Mike Lee advances the SAVE America Act, requiring government-issued ID to vote—supported by over 80% of Americans across parties to make voting easy but cheating hard—though four anti-Trump Republicans hinder it in the Senate, where Trump is pushing for passage. Learn more about your ad choices. Visit podcastchoices.com/adchoices

In this episode, we walk through the most common rebuttals to the biblical view of homosexuality — not to win arguments, but to equip believers with Scripture and point people toward the truth in love.This episode is sponsored by The Master's University. To learn more about how you can invest in a college education devoted to Christ & Scripture, visit https://www.masters.eduWe cover:• Did Paul only condemn exploitative relationships — not committed gay couples?• Was "homosexual" added to the Bible in 1946?• Doesn't Jesus never mention homosexuality?• Isn't God just a God of love — who accepts everyone as they are?• What about the shellfish and mixed-fabric objections?• Is same-sex attraction itself sinful, even if never acted on?• What do you say to someone genuinely struggling with SSA?This is part two of a two-part series. Part one lays the full biblical foundation from Genesis to 1 Corinthians.

Does everyone fit neatly into male and female? Where do many queer/SSA people experience an uncomfortable gender incongruence with their culture, and where do some experience a deeper gender dysphoria? Tom and Erin welcome YOF board member Jesse to share their experience as a gender minority in Your Other Brothers. We answer honest questions from our YOB+YOS members as we start a long overdue conversation with curiosity and empathy for gender minorities who are nonbinary, genderqueer, genderfluid, agender, and transgender. LINKS FROM THIS EPISODE Jesse's Barbie podcast Jesse's Enneagram One podcast Jesse's demisexual podcast Revoice Kaleidoscope PODCAST EPISODE PAGE YOFcast 003 RATE/REVIEW US Apple Podcasts Spotify GET IN TOUCH Call the YOFline: 1.706.389.8009 Email Tom: tom@yourotherfamily.org Email Erin: erin@yourotherfamily.org Mail us: Your Other Family / P.O. Box 843 / Asheville, NC 28802 SUPPORT YOF General giving (for non-members) Giving toward membership in YOB Giving toward membership in YOS FOLLOW YOF YOF: Facebook | Instagram | TikTok | YouTube YOB: Facebook | Instagram | TikTok YOS: Facebook | Instagram | TikTok MUSIC CREDIT Intro/outro theme: “Wilderlove” by John Mark McMillan ft. Joy Williams 100% clearance through Musicbed you are not alone; even the sparrow finds a home