Podcasts about SSA

In this episode, Dr Elle Wadsworth talks to Professor Rasmon Kalayasiri, Head of the Department of Psychiatry at the Faculty of Medicine, Chulalongkorn University, Thailand. The interview covers Rasmon's editorial that asks the question: Can Thailand replace a commercialised cannabis market for adult use with a medical prescription model? Thailand's cannabis policy [01:15]Thailand's legal non-medical market between 2022 and 2025 [03:12]The non-medical market after the policy reversal in 2025 [04:50] Reasons for the reversal of non-medical cannabis policy [06:25]The role of the research community [07:58]The key data gaps in cannabis research in Thailand [09:19]Whether Thailand can replace a commercialised cannabis market for adult use with a medical prescription model [11:11]The drafting of Thailand's cannabis law [13:25]The take home messages [14:25]The lessons to learn from Thailand's experience [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 Rasmon Kalayasiri: Rasmon is the Head of the Department of Psychiatry at the Faculty of Medicine, Chulalongkorn University, in Bangkok, Thailand. She also serves as the Director of the Centre for Addiction Studies (CADS) and the Alcohol Helpline (1413), both supported by the Thai Health Promotion Foundation (ThaiHealth). In addition, she is the Chair of the Board of Examiners for the Addiction Psychiatry Training Program of the Royal College of Psychiatrists of Thailand.Declarations of interest: None Original editorial: Can Thailand replace a commercialised cannabis market for adult use with a medical prescription model? https://doi.org/10.1111/add.70499The 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.

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. 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In this episode, Dr Elle Wadsworth talks to Dr Nikolay Lunchenkov, medical doctor, a global health specialist, and a doctoral candidate in Global Health at the Technical University of Munich, Germany. The interview covers Nikolay's research article analysing chemsex trajectories among gay, bisexual and other men who have sex with men in Almaty, Kazakhstan.What is chemsex? [01:00]The wider context of drug use in Kazakhstan [01:58]The trajectories of chemsex [03:16] The methods used, and the use of a life course framework [05:36]The five trajectory stages developed: initiation, maintenance, escalation, dependence, and disengagement [07:30]The realistic and idealistic implications of the findings for treatment in Kazakhstan [17:00]The take-home messages [19:09]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 Nikolay Lunchenkov: Nikolay, MD, MSc is a doctoral candidate in Global Health at the Technical University of Munich (TUM School of Social Sciences and Technology). His research focuses on HIV prevention, PrEP implementation, chemsex and harm reduction among key populations in Eastern Europe and Central Asia. His fieldwork focuses on Kazakhstan and Kyrgyzstan, combining qualitative and epidemiological methods to understand how marginalised communities navigate health systems under restrictive political conditions. He also teaches graduate seminars on authoritarian regimes and global health, as well as cross-cultural qualitative research methods, at TUM.Declarations of interest: None Original article: ‘Emptiness filled with love': A reflexive thematic analysis of chemsex trajectories among gay, bisexual and other men who have sex with men in Almaty, Kazakhstan, using a life course framework https://doi.org/10.1111/add.70454The 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.

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.

Subquadratic is beginning to back up its ambitious claims with benchmarks and third-party validation for its SubQ 1.1 Small model, which uses its proprietary Sparse Attention (SSA) architecture to dramatically improve long-context performance. Rather than comparing every token to every other token, SSA selectively processes relationships, enabling near-linear scaling while maintaining high accuracy across context windows of up to 12 million tokens. The company reports near-perfect retrieval performance, competitive coding and reasoning benchmarks, and compute savings of up to 1,000x at maximum context lengths.  Rather than targeting frontier models immediately, Subquadratic is focusing on enterprise customers that need efficient analysis of massive datasets. The current model was built by replacing the dense attention mechanism in an existing open-weight model and then continuing long-context pretraining. Looking ahead, the startup plans to release a larger mid-tier model while continuing research into "zero attention" architectures that could eliminate attention mechanisms altogether, with the long-term goal of surpassing today's transformer-based AI models in both efficiency and capability. Learn more from The New Stack around cloud spending:  The context window has been shattered: Subquadratic debuts a 12-million-token window  What comes after attention? This startup says it already knows. Join our community of newsletter subscribers to stay on top of the news and at the top of your game. 

In this episode, Dr Elle Wadsworth talks to Pablo Gonzalez Nieto, a harm reduction provider, drug checking technician, and research assistant at Substance Drug Checking within the Canadian Institute for Substance Use Research, Canada. The interview covers Pablo's research article on drug sellers' use of a drug checking service amid the overdose crisis in British Columbia, Canada.We apologise for the sound quality at points during this episode, but we promise its worth the listen! What a drug checking service is [01:20]The motivation to examine drug sellers' use of drug checking services [03:33]The difference in findings between drug sellers and drug consumers [08:00] The unique service that Pablo's drug checking facility provides [09:00]The main take away from the paper [11:41]Using drug checking services as a harm reduction intervention [14:05]Funding cuts to harm reduction services in Canada [16:00]Drug consumption at the World Cup [17:35]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 Pablo González Nieto: Pablo is a harm reduction provider, drug checking technician, and research assistant at Substance Drug Checking, within the Canadian Institute for Substance Use Research. He holds an MSc in Social Dimensions of Health from the University of Victoria, where his research focused on the unregulated opioid market and access to drug checking services among key populations. His research interests include drug decriminalization, novel psychoactive substances in the unregulated opioid supply, and the implementation of drug checking services in the Global South, among other topics.Declarations of interest: None Original article: Drug sellers' use of a drug checking service amid the overdose crisis in British Columbia, Canada https://doi.org/10.1111/add.70429 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.

Send us Fan Mail◆ Clean-up calls set to change how banks manage senior debt ◆ The Bank of England's SSA bond booster ◆ What is behind booming corporate bond issuance in sterlingA lot of expensive bank bonds, issued when rates and inflation were high and spreads wide, have call dates coming up, meaning issuers will be keen to replace them with cheaper debt at current market prices. To do so, they may completely change how they deal with investors when they do buy-backs. Many of these bonds contain what is known as a clean-up call, which allows the issuer to redeem the rest of the bonds at par once it has competed a tender offer for them, but usually only if it has managed to buy back more than a threshold amount. This puts investors into a dilemma because the price they will be offered in the tender will most likely be better than where they can sell the bonds in the secondary market and what they will get if their bonds are taken back in the clean-up call. It's a technique more commonly used in US markets, and for sub-benchmark sized or subordinated European bank bonds. But now the stakes are being raised as the market contemplates its use in replacing expensive, benchmark-sized senior bonds from issuers that rely on wholesale bond funding. We explore what is at stake for issuers and investors alike.Meanwhile, the Bank of England has started to accept a wider range of public sector bonds as collateral. This will boost the bank treasury bid for sterling SSA bonds. We discuss which new issuers it might attract to the market.Finally, corporate sterling bond issuance has been on a tear this year. We look at who has been issuing, who hasn't, and what the pipeline looks like for the rest of the year.Now read on: Senior bond buy-backs herald new era for European FIG marketSterling SSA issuers rush the queue as BoE repo change beckons new namesIG corporate bond market eyes rebound in sterling issuance

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

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

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

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!). 

In this episode, Dr Tsen Vei Lim talks to Drs Grant Comstock and Ryan Feldman. Grant is an Assistant Professor at the Medical College of Wisconsin and Associate Medical Director of the Wisconsin Poison Center and Ryan is a clinical toxicologist, emergency medicine pharmacist, and Clinical Associate Professor at the Medical College of Wisconsin. The interview covers Grant and Ryan's article examining the association between state-level kratom regulations and poison center-reported severe medical outcomes and healthcare use in the United States (US). What is kratom? [01:14]Why people are worried about kratom use in the US [02:58]Grant and Ryan's research question and focus of the study [05:33]The key findings of the study [10:25]The relationship between kratom regulations and kratom-related hospitalisations [12:16]The implications of the findings for existing kratom regulations [13:04]The data that researchers should collect to improve the data vacuum on kratom [18:03]The takeaway from the study: read the discussion! [19:40]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 Grant Comstock: Grant, MD, is an Assistant Professor of Emergency Medicine at the Medical College of Wisconsin and Associate Medical Director of the Wisconsin Poison Center, US. He is board certified in emergency medicine, medical toxicology, and addiction medicine. His academic interests include novel psychoactive substances, harm reduction strategies, and overdose epidemiology. In addition to his clinical work, Dr. Comstock is actively involved in research, medical education, and mentorship within emergency medicine and medical toxicology.About Ryan Feldman: Ryan, PharmD, DABAT, FAACT, is a clinical toxicologist, emergency medicine pharmacist, and Clinical Associate Professor at the Medical College of Wisconsin. He works with the Wisconsin Poison Center, where he helps manage poisoning and overdose cases, and is Toxicology Section Editor for the American Journal of Emergency Medicine. His work focuses on emerging substances, poison center data, overdose trends, and public health responses to toxic exposures. Ryan has published on substances including kratom, phenibut, tianeptine, cannabinoids, and mushroom toxins. He also hosts The Poison Lab, an educational podcast exploring toxicology, outbreaks, and poisoning science.Original article: Association between state-level kratom regulations and poison center-reported severe medical outcomes and healthcare use: A United States national analysis https://doi.org/10.1111/add.70416 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.

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.

SSa llama a los hombres a realizarse chequeos médicosFlamazo obliga a evacuar vivienda en Xochimilco, hay daños materialesTrump amenaza a Irán en plena negociaciones#grc

In this episode, Dr Elle Wadsworth talks to Dr Tesfa Yimer, a postdoctoral researcher at the National Centre for Youth Substance Use Research, The University of Queensland, Australia. The interview covers Tesfa's research article taking a regional perspective on substance use related problems in Ethiopia.The importance of examining drug-related problems in Ethiopia [01:00]Commonly consumed drugs in Ethiopia [01:51]Khat and its use in Ethiopia [02:50] The prevalence of Khat [04:08]The relationship between religion and drug use [04:41]The emerging drug-related concerns in Ethiopia [06:05]The transit routes in Ethiopia that make it stand out in East Africa [08:52]The substance use disorder treatment landscape in Ethiopia [09:44]The regulation of tobacco, alcohol, khat and cannabis [11:15]The major research gaps in Ethiopia with regards to drug use [13:19]The take home messages [14:56]About Elle Wadsworth: Elle is an academic fellow with the Society for the Study of Addiction. She is based at the University of Bath with the Addiction and Mental Health Group and her research interests include drug policy, cannabis legalisation, and public health. Elle holds a voluntary role at The Loop, a non-profit service provider of drug checking in the UK. About Tesfa Yimer: Tesfa is a Postdoctoral Researcher at the National Centre for Youth Substance Use Research, The University of Queensland, Australia. Tesfa's research is focused on addiction epidemiology and drug policy. His research aims to generate evidence-informed policy recommendations to reduce substance-related harms and improve public health outcomes. Tesfa is currently working to understand the social and public health impacts of cannabis policies.Declarations of interest: None Original article: Regional perspectives: Substance use related problems in Ethiopia https://doi.org/10.1111/add.70392The 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.

Detienen a mil 468 extorsionadores en el país: García Harfuch La SSa reporta 295 casos de gusano barrenador en humanos en el 2026Se registra terremoto de 6.7 en Indonesia provocando afectaciones en viviendasMás información en nuestro podcast#grc

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

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

In this episode, Dr Elle Wadsworth talks to Dr Amy Peacock, an Associate Professor and Deputy Director of the National Drug and Alcohol Research Centre, University of New South Wales, and Dr Krista Siefried, a Clinical Research Lead and Deputy Director, of the National Centre for Clinical Research on Emerging Drugs at the University of New South Wales, Australia. The interview covers two research articles: 1) Amy's article on trends in gamma-hydroxybutyrate (GHB) use, harms and treatment in Australia and 2) Krista's article on emergency department presentations, hospitalisations and police seizure data related to GHB in New South Wales, Australia.What is GHB? [01:30]Why is GHB an important drug to examine in the Australian population [02:30]The data sources Amy used in her study [04:20] The data sources Krista used in her study [06:45]The key findings of the study [08:21]Metabolites of GHB and risks of consuming GHB with alcohol [13:20]The implications of the findings for policy and treatment in Australia [14:04]The reasons behind the recent increase of GHB in Australia [16:30]The take home messages [19:14]About Elle Wadsworth: Elle is an academic fellow with the Society for the Study of Addiction. She is based at the University of Bath with the Addiction and Mental Health Group, and her research interests include drug policy, cannabis legalisation, and public health. Elle holds voluntary roles at The Loop, a non-profit service provider of drug checking in the UK and the International Society for the Study of Drug Policy. About Amy Peacock: Amy is an Associate Professor, National Health and Medical Research Council (NHMRC) Emerging Leadership Fellow and Deputy Director of the National Drug and Alcohol Research Centre, University of New South Wales. She is also Program Lead for Drug Trends, a national monitoring system identifying trends in illicit drug use, markets and harms that is funded by the Australian Government Department of Health, Disability and Ageing.About Krista Siefried: Krista is Clinical Research Lead and Deputy Director, the National Centre for Clinical Research on Emerging Drugs (NCCRED) at the University of New South Wales (UNSW) in Sydney, Australia. She is also a Senior Lecturer at the UNSW National Drug and Alcohol Research Centre (NDARC), and St Vincent's Hospital Sydney Alcohol and Drug Service. Krista works towards evidence-based interventions to reduce harm and improve healthcare for people who use drugs. Her leadership emphasises collaborative research, deep community engagement, and practical outcomes to address the needs of individuals, families, and frontline service providers.Declarations of interest: Krista is employed by the UNSW and St Vincent's Health Network Sydney, she has no other conflicts to declare. Original articles: Emergency department presentations, hospitalisations and police seizure data related to gamma-hydroxybutyrate (GHB) in New South Wales, Australia, from 2015 to 2024 https://doi.org/10.1111/add.70202 Trends in gamma-hydroxybutyrate use, harms and treatment in Australia, 2013 to 2024 https://doi.org/10.1111/add.70308The opinions expressed in this podcast reflect the views of the host and interviewees and do not necessarily represent the opinions or official positions of the SSA or Addiction journal.The SSA does not endorse or guarantee the accuracy of the information in external sources or links and accepts no responsibility or liability for any consequences arising from the use of such information. Hosted on Acast. See acast.com/privacy for more information.

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

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

In this episode, Annika Theodoulou speaks to Dr Vera Buss, a Senior Research Fellow at University College London, and Professor Leonie Brose, a Professor of Addictions & Public Health at King's College London, UK. The interview covers Vera and Leonie's research article examining the association between the national ‘Swap to Stop' programme offering free vapes for smoking cessation and quit attempts in England.Background on the Swap to Stop program in England [01:10]The motivations behind the study [01:50]The Smoking Toolkit Study and using an Interrupted Time Series Analysis [03:00]The key findings of the study [04:50]The factors which Vera and Leonie adjusted for [07:00]The policy landscape in England regarding vaping as a smoking cessation aid [07:41]What can other countries learn from the findings [09:12]The surprising results of this study [09:50]The implications of the findings for policy and practice [10:36]About Annika Theodoulou: Annika is a Research Fellow at the National Centre for Education and Training on Addiction at Flinders University, South Australia. Her work focuses on health behaviours, including smoking cessation and weight management, with an emphasis on evidence synthesis. She completed a Doctor of Philosophy in Primary Health Care at the University of Oxford, where her research examined socioeconomic inequalities in smoking cessation behaviours and outcomes using quantitative and qualitative methods. Her doctoral research was funded by the Society for the Study of Addiction and The Rotary Foundation. Annika is an Associate Editor of Nicotine & Tobacco Research and holds a Bachelor of Health Sciences and a Master of Clinical Science from the University of Adelaide.About Vera Buss: Vera is a Senior Research Fellow in Behavioural Science at the UCL Tobacco and Alcohol Research Group and part of the Behavioural Research UK consortium. Her research focuses on understanding and monitoring tobacco smoking and alcohol consumption across Great Britain, drawing on the Smoking and Alcohol Toolkit Studies to evaluate national policies and population‑level behaviour change. Alongside her research, Vera co‑leads undergraduate and postgraduate teaching on health psychology and statistics for public health.About Leonie Brose: Leonie is Professor of Addictions & Public Health at King's College London and Director of the National Institutes for Health and Care Research (NIHR) Policy Research Unit in Addictions. Most of Leonie's research has focused on tobacco control, smoking cessation, smoking and mental health and newer nicotine products and she has co-authored six government-commissioned reviews on vaping. Leonie is active in the Society for the Study of Addiction, the Society for Research on Nicotine and Tobacco and its European chapter. She also contributes as an Editorial Board member for Addiction and Nicotine & Tobacco Research and as Programme Lead for the MSc Addictions at King's. Leonie is an Associate Editor for Addiction and a Trustee for the SSA.Original article: Associations between the national ‘Swap to Stop' programme offering free vapes for smoking cessation and quit attempts in England: Results from a population-based survey https://doi.org/10.1111/add.70332The opinions expressed in this podcast reflect the views of the host and interviewees and do not necessarily represent the opinions or official positions of the SSA or Addiction journal.The SSA does not endorse or guarantee the accuracy of the information in external sources or links and accepts no responsibility or liability for any consequences arising from the use of such information.Music by Jack Shakespeare Hosted on Acast. See acast.com/privacy for more information.

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

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

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

In this episode, Dr Elle Wadsworth talks to Dr Damon Morris, a Research Fellow in the Sheffield Addictions Research Group, School of Medicine and Population Health, at the University of Sheffield, UK. The interview covers Damon's research article modelling the economic effects of reducing the consumption of unhealthy commodities.The drive to conduct this study [01:30]The economic outputs of interest to capture the net effects of the economy [03:00]What a simulation model is [04:10] An explanation of the commercial determinants of health input-output model [05:06]The unhealthy commodities used in this study [06:20]The key findings of the study [07:28]The difference between the off-trade and on-trade alcohol results [08:50]A summary of the key results [10:22]The break-even reallocation rate: the point at which the negative economic impacts of reduced spending are exactly offset by the positive impacts of increased spending on other products [10:55]The implications of the findings for policy makers [13:10]The generalisability of the findings to outside the UK [14:44]The missing pieces of the model [15:50]About Elle Wadsworth: Elle is an academic fellow with the Society for the Study of Addiction. She is based at the University of Bath with the Addiction and Mental Health Group and her research interests include drug policy, cannabis legalisation, and public health. Elle holds voluntary roles at The Loop, a non-profit service provider of drug checking in the UK, and the International Society for the Study of Drug Policy. About Damon Morris: Damon is a Research Fellow in the Sheffield Addictions Research Group (SARG), School of Medicine and Population Health, at the University of Sheffield. Damon's current research is in the area of public health and labour economic modelling, primarily in ongoing development of the Sheffield Tobacco and Alcohol Policy Model (STAPM), an economic and epidemiological model of alcohol and tobacco consumption and health dynamics used to appraise public health policy.Declarations of interest: None Original article: Modelling the economic effects of reducing the consumption of unhealthy commodities: An inter-sectoral input–output approach https://doi.org/10.1111/add.70336The opinions expressed in this podcast reflect the views of the host and interviewees and do not necessarily represent the opinions or official positions of the SSA or Addiction journal.The SSA does not endorse or guarantee the accuracy of the information in external sources or links and accepts no responsibility or liability for any consequences arising from the use of such information.Music by Jack Shakespeare Hosted on Acast. See acast.com/privacy for more information.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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