Podcasts about SSA

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

In this episode, Dr Elle Wadsworth talks to Dr Tim Mackey and Dr Doug Roehler. Tim is a professor in the Global Health Program at UC San Diego and the CEO and co-founder of S-3 Research, and Doug is the Cannabis Research Unit lead in the Department of Policy and Research for California's Department of Cannabis Control. The interview covers Tim and Doug's research article exploring the health benefit claims of cannabis products on online marketplaces in the United States. Why exploring health benefit claims on cannabis products was an important topic to investigate [01:20]What are cannabis-derived products? [03:07]What are the online marketplaces ‘Leafly' and ‘Weedmaps'? [03:35]Examples of health benefit claims [05:00]The main findings of the study [07:33]The cannabis regulatory environment in the US [10:20]The differences in health claims between different types of cannabis products [12:20]The methodology used in the study that brought together data scientists and public health researchers [14:11]The health claims that surprised Tim and Doug [18:31]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. She has a BSc in Chemistry, an MSc in Addiction Studies, and a PhD in Public Health. About Tim Ken Mackey: Tim is a Professor in the Global Health Program at UC San Diego and the CEO and co-founder of S-3 Research, a public health data science company originally created from a Challenge.gov award. He is also the Director of the Global Health Policy and Data Institute and the Editor-in-Chief of JMIR Infodemiology. He has co-authored over 270 manuscripts on topics including global health, technology, data science, substance use disorder, and health policy. Dr Mackey is an entrepreneur and scientist working on technology innovation to address public health challenges. About Douglas Roehler: Doug leads the Cannabis Research Unit in the Department of Policy and Research for California's Department of Cannabis Control. Previously, he was a health scientist and epidemiologist in the Division of Overdose Prevention at the CDC, where he primarily served in the CDC's Cannabis Strategy Unit. He has published extensively on cannabis topics in peer-reviewed journals and governmental reports, appeared on national podcasts, and represented the CDC in the national media. He has published widely on several other topics, including injury prevention, drug overdose and substance use, youth prevention, syndromic surveillance, traffic crashes, and youth violence. Declarations of Interest: Tim Mackey is the CEO and co-founder of the company S-3 Research and holds equity/ownership in the company. S-3 Research is a small business that has received funding through government contracts and grants for professional and technology services including on topics related to substance use disorder.Original article: Exploratory analysis of United States-based cannabis product health benefit claims on online marketplaces https://doi.org/10.1111/add.70177The opinions expressed in this podcast reflect the views of the host and interviewees and do not necessarily represent the opinions or official positions of the SSA or Addiction journal.The SSA does not endorse or guarantee the accuracy of the information in external sources or links and accepts no responsibility or liability for any consequences arising from the use of such information. Hosted on Acast. See acast.com/privacy for more information.

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

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

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

In this episode, Dr Tsen Vei Lim speaks to Dr Joshua Garfield, a research fellow at Monash University and Turning Point, Australia. The interview covers Joshua's research article on the efficacy of a personalised alcohol ‘approach bias modification' smartphone app in people accessing outpatient treatment for alcohol use disorders.What is ‘approach bias modification' [01:51]The smartphone app and how it works [04:30]The recruitment process of the randomised controlled trial [07:20]The key findings of the study [09:20]How did the participants of the study feel about using the app? [10:37]The implications of the study for practice [12:33]The next steps for this app and using the app in different populations [13:54]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 Joshua Garfield: Joshua completed a Bachelor of Science with Honours in Psychology at the University of Tasmania in 2002, and then a PhD in Behavioural Neuroscience at the University of New South Wales in 2008, where he studied animal learning theory. Following a brief post-PhD role in depression research, he moved to Melbourne to work for Monash University at Turning Point, an addiction treatment, research, and workforce training institute. Since 2015, he has managed Turning Point's cognitive bias modification research program, led by Professor Victoria Manning.Original article: Efficacy of a personalised alcohol approach bias modification smartphone app in people accessing outpatient alcohol use disorder treatment: A randomised controlled trial https://doi.org/10.1111/add.70184The 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.

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

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

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

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

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

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

In this episode, Dr Elle Wadsworth talks to Dr Phong Thai, an Associate Professor at Queensland Alliance for Environmental Health Sciences, Australia. The interview covers Phong's research article on a wastewater study measuring illegal drug use in Hanoi, Vietnam, to determine the feasibility of conducting wastewater analysis in a low-income country.Note: The acronym ‘UNODC' used in this episode stands for the ‘United Nations Office on Drugs and Crime'. Why looking at illegal drug use in Vietnam is important [01:07]Wastewater analysis and its utility in a low-income country [02:00]The biomarkers of focus [03:55]Why the authors chose Hanoi, Vietnam, to pilot wastewater analysis in South East Asia [05:38]Vietnam's location and relation to drug trafficking in South East Asia [07:12]The Golden Triangle [08:22]The main findings of the study [08:48]Ketamine's rise in popularity in Vietnam [10:16]The impact of COVID-19 on the consumption of drugs in Vietnam [11:18]Why are synthetic drugs becoming more popular? [12:30]The feasibility of conducting wastewater analysis in a low-income country [13:33]The take-home messages of the study [15:34]About Elle Wadsworth: Elle is an academic fellow with the Society for the Study of Addiction. She is based at the University of Bath with the Addiction and Mental Health Group and her research interests include drug policy, cannabis legalisation, and public health.About Phong Thai: Phong is an ARC Mid-Career Industry Fellow and Associate Professor at Queensland Alliance for Environmental Health Sciences (QAEHS). His research focus involves the expansion of wastewater-based epidemiological approach to estimate community consumption and exposure to a range of legal and illegal substances (including tobacco and alcohol) and pharmaceuticals, as well as the monitoring of community infection to COVID-19 during the last pandemic. He is a member of the team who manage the National Wastewater Drug Monitoring Program in Australia and has helped pioneering wastewater drug monitoring in several countries.Original article: Significant changes in preference of illicit drug use in a population of Hanoi, Vietnam – A 6-year wastewater study (2018–2023) https://doi.org/10.1111/add.70147The 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.

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

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

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

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

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

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

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

La SSa invita a aplicarse las vacunas contra influenza, COVID-19 y neumococo  Reubicarán 850 viviendas afectadas por lluvias en Puebla  Google dedica su doodle a la migración de la mariposa monarca  Más información en nuestro podcast

México defiende legitimidad de su decisión de asilo diplomático  Chiapas alcanza 98% de abasto de medicamentos contra el cáncer  Frente frío 12 mantiene bajas temperaturas en el centro y norte de México  Más información en nuestro podcast

¡Precaución! Caravanas de transportistas avanzan rumbo a la CDMX México probará plantas únicas contra el gusano barrenadorFrancia admite fallas en la seguridad del Louvre tras el roboMás información en nuestro podcast

This just in! Social Security announced the Cost of Living Adjustment for 2026. Listen on the ASG podcast for the official numbers and how the COLA increase impacts your clients.   Read the text version  

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

Sheinbaum busca fortalecer la producción nacional de medicamentos  México importa cifra récord de maíz blanco en 2025EU analiza imponer aranceles del 100% a NicaraguaMás información en nuestro podcast

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

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

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

Murder for Social Security Or Humane Help? The Shocking Lorenz Kraus LIVE TV Confession! Follow the money — and sometimes you find a killer. In this Hidden Killers Live segment, we explore how what began as a Social Security fraud probe spiraled into a double homicide investigation when investigators uncovered the bodies of Franz and Theresia Kraus in their backyard. For years, their son, Lorenz Kraus, told neighbors they had moved to Germany. Meanwhile, he continued collecting their government benefits — until a welfare check by SSA triggered a police search at 6 Crestwood Court. What followed: Two bodies buried behind the house A bizarre on-camera confession at CBS6 Murder charges, and zero remorse We dig into the financial motive behind the murder, why these crimes are alarmingly common, and how digital benefit systems make it easier to hide the dead — until the paper trail gives way. If you want to understand how murder and money intertwine — and how a bureaucratic audit unraveled a seven-year deception — this is the story.

Murder for Social Security Or Humane Help? The Shocking Lorenz Kraus LIVE TV Confession! Follow the money — and sometimes you find a killer. In this Hidden Killers Live segment, we explore how what began as a Social Security fraud probe spiraled into a double homicide investigation when investigators uncovered the bodies of Franz and Theresia Kraus in their backyard. For years, their son, Lorenz Kraus, told neighbors they had moved to Germany. Meanwhile, he continued collecting their government benefits — until a welfare check by SSA triggered a police search at 6 Crestwood Court. What followed: Two bodies buried behind the house A bizarre on-camera confession at CBS6 Murder charges, and zero remorse We dig into the financial motive behind the murder, why these crimes are alarmingly common, and how digital benefit systems make it easier to hide the dead — until the paper trail gives way. If you want to understand how murder and money intertwine — and how a bureaucratic audit unraveled a seven-year deception — this is the story.

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

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