Podcasts about u s

#Biden #student #loan deferment will cost taxpayers $40 billion? Critics have said the student loan forgiveness significantly increases the deficit and helps more affluent Americans significantly more than less educated, poorer Americans.Plus: A video of First Lady Jill Biden speaking at the American Federation of Teachers convention in July has recently surfaced, and it affirms the notion that the Biden administration is solidly behind the teaching of radical ideas such as critical race theory and gender ideology.Links:https://justthenews.com/nation/states/center-square/bidens-student-loan-deferment-will-cost-taxpayers-40-billion-group-says---Its like a real life Jerry Springer show. So much so, that I actually feel normal in this crazy world.Life is a journey, an #exploration. Be different, be #free, and inspire to #motivate!Come and hang out with The Meatball Rocci Stucci, and let figure out this thing they call life.7:00PM CST - TRSS

#ElonMusk Runs Poll On Whether #Twitter Should Grant Mass #Amnesty To Suspended Accounts....Elon Musk may be poised to reinstate scads of previously banned Twitter accounts."Should Twitter offer a general amnesty to suspended accounts, provided that they have not broken the law or engaged in egregious spam?" he asked in a Twitter poll.A majority of the votes so far have been cast in favor of the #business tycoon's mass account amnesty #proposal.Since taking over the #socialmedia company, Musk has already reinstated some accounts.He restored former President Donald Trump's Twitter account after running a poll in which a majority of the votes supported reinstatement. "The people have spoken. Trump will be reinstated. Vox Populi, Vox Dei," Musk tweeted, using Latin that means "the voice of the people (is) the voice of God."Article: https://www.theblaze.com/news/elon-musk-poll-twitter-amnestyCome and hang out with #TheMeatball #RocciStucci, and let figure out this thing they call life.7:00PM CST - TRSS

On a late summer day in September, four podcasters got together to record the first ever History Podcast Friendsgiving Spectacular! Tune in as three respected podcasters join me for a round table discussion of American and presidential history. The other podcasters are:Jerry Landry, Presidencies of the United StatesAlycia, Civics & Coffee Howard Dorre, Plodding through the PresidentsIf you enjoy the format, let us know and we'll look for more collaborative opportunities in the future.Happy Thanksgiving!Support the show

Nobody can run your business like you can.  You can't outsource caring, and you can't outsource skin in the game. Which makes you the best man for the job. But if you “wear all the hats” in your business, your financial security will collapse as soon as life throws an obstacle your way.  Today's guest, U S. Navy veteran and agricultural expert, Marty Gold almost lost his consultancy after his brain tumor diagnosis in 2016. Now he's here to help you protect your business.  In this episode, you'll discover how to develop a strong team who help your business thrive (even when life throws you a curveball).  Listen now!  Show highlights include: The “Lone Wolf” mindset trap that degrades your stable business into a house of cards that could collapse at any second (1:36)  The controversial reason why dwelling on your weaknesses helps you achieve greater success than leaning into your strengths (8:14)  Why ethically “short changing” your clients protects your reputation and creates new opportunities for income (13:00) Team walking on eggshells when you're around? Here's how to get them to open up (and start growing your business for you) (17:34)  If you found a golden nugget of wisdom in this episode, share it on social media with the hashtag #ResultsLeaderFM to help spread the word.

In episode 1375, Jack and Miles are joined by creator and co-host of Unladylike, Cristen Conger, to discuss… Damn, That Announcement was WEAK af Donny...the Homies Aren't fw You, Twitter's Newest Advertiser Is … Elon Musk's Garbage Internet Company, The New Olympic Mascots Are Here--And They're Clitorises and more! Damn, That Announcement was WEAK af Donny NY Post Viciously TROLLS Trump 2024 Announcement With Front Page Insult No. Scoop: Stephen Schwarzman comes out against Trump in major defection Twitter's Newest Advertiser Is … Elon Musk's Garbage Internet Company Elon Musk Lands Hot Ad Client for Twitter: Himself SpaceX just bought a big ad campaign on Twitter for Starlink Zelensky and Musk in row over Ukraine 'peace plan poll' Musk's SpaceX says it can no longer pay for critical satellite services in Ukraine, asks Pentagon to pick up the tab U.S. quietly paying millions to send Starlink terminals to Ukraine, contrary to SpaceX claims Ukraine Could Never Afford to Bet on Starlink The New Olympic Mascots Are Here--And They're Clitorises Phrygian cap symbolising French republic chosen as 2024 Paris Olympics mascot Liberté, Égalité, Millinery? Paris Olympic and Paralympic Games mascots likened to ‘clitoris in trainers' LISTEN: Down Under (feat. Colin Hay) by LuudeSee omnystudio.com/listener for privacy information.

For the first time in the history of The Church of Jesus Christ of Latter-day Saints, two women are serving on the Military Advisory Committee. This committee was established by the First Presidency during World War II to help support and minister to military members, chaplains and their families. Now, Army Lt. Col. Sonie Munson, media operations chief for U.S. Northern Command, and Andrea Wagenbach, who works for the U.S. Department of Defense, lend their voices and wisdom to the 11-member committee. They join this episode of the Church News podcast to talk about their experiences and desire to serve both the Church and their country.  The Church News Podcast is a weekly podcast that invites listeners to make a journey of connection with members of The Church of Jesus Christ of Latter-day Saints across the globe. Host Sarah Jane Weaver, reporter and editor for The Church News for a quarter-century, shares a unique view of the stories, events, and most important people who form this international faith. With each episode, listeners are asked to embark on a journey to learn from one another and ponder, “What do I know now?” because of the experience. Produced by KellieAnn Halvorsen.See omnystudio.com/listener for privacy information.

This week we have returning guests and ambassadors to the brand, Clint Emerson and Dean Stott, for a special Veterans Day Episode. They recount their time in service and have some friendly banter around who's unit is between US Navy SEALs or British SBS (Special Boat Service).Clint Emerson www.clintemerson.comDean Stottwww.deanstott.comBe sure to check out the author's works where books are sold. To learn more about 5.11, be sure to visit us at www.511tactical.com Looking for a career change? We're hiring! Join the 5.11 Team. www.511tactical.com/company-info/careers

Thomas Wright, director of strategic planning at the National Security Council in the Biden White House, tells Gideon how the war in Ukraine changed US thinking about the need for broader alliances.Clips: The White House, Channel 4 News More on this topic:Xi Jinping's China and the rise of the ‘global west'US coal phaseout plan meets divided response at COP27China and the US remain locked in mutually assured co-operationSubscribe to The Rachman Review wherever you get your podcasts - please listen, rate and subscribe.Presented by Gideon Rachman. Produced by Fiona Symon. Sound design is by Breen TurnerRead a transcript of this episode on FT.com Hosted on Acast. See acast.com/privacy for more information.

10/11/2022. The latest news from Australia, Ukraine and US, and from rest of the world. Counting continues after the mid-term elections in the U-S, where Republicans and pro-Trump candidates get a disappointing result... An Indigenous man dies in police custody in north Queensland. Australia's rugby union side selects Allan Alaalatoa as its captain... More News: sbs.com.au/ukrainian

Politicians from both sides of politics are making their final bids in the U-S midterm elections. President Joe Biden and former President Donald Trump have both delivered closing pitches at rallies on Monday night US time.

Politicians having affairs is nothing new in the history of the world. But what happens when they're sleeping with an enemy spy?Join me as I talk to author and lawyer James Robenalt, author of The Harding Affair: Love and Espionage During the Great War, about Warren Harding's 15-year affair with Carrie Fulton Phillips, who became an Imperial German spy during World War I; whether we should be concerned about politicians having affairs; and whether Harding deserves a better shake than history has given him.Support the show

28 years ago, the die was cast for how emergency department encounters were documented.  Since then, we've had note bloat, click fatigue, and too much attention placed on things that really didn't matter. All of that is slated to change in 2023 with dramatic new documentation guidelines (that today's guest calls ‘refreshing') are implemented. When was the last time you heard the word ‘refreshing' used when it came to charting? And a massive thank you and hat tip to my friend Matt DeLaney who now runs ERcast - he was the first to alert us to these guidelines and interviewed Jason when they were first announced.    Episode Sponsor: Ivy Clinicians. Curious if there's a better clinical opportunity out there? Ivy is the simplest way for physicians, PAs, and nurse practitioners to match with jobs they love. With Ivy, you can find all 5,549 emergency departments, filter by your preferences, and connect securely with the right employers. All for free. Guest bio: Jason Adler, MD is  a clinical assistant professor of emergency medicine at the  University of Maryland where he is also the director of compliance and reimbursement. He is also the vice  president of acute care solutions at LogixHealth. Mentioned in this episode: The Awake and Aware Physician conference sponsored by Wild Health. Jan 13-15 Sedona Arizona. Use the code CONSCIOUSPHYSICIAN for 15% off (that's 15% off the whole package – lodging, meals, the course) Interested in one-on-one coaching? Learn more at roborman.com To support the show - visit our Patreon site and help keep the wind in the sails. For full show notes visit our podcast page We Discuss: History and physical documentation are now at your discretion; Heavy value is placed on cognitive work and medical decision making; History from a non-patient source is valued in these guidelines; Ordering a test is equally valued as not ordering a test; Consideration of escalation or deescalation of care; In addition to documenting your shared-decision making conversations, your MDM should include; Population health - Stable means something different when it comes to documentation; Social determinants of health; There is a heightened emphasis of independent interpretations of separately billable procedures (EKGs, X-ray, CT, U/S); Jason's take home points; And More.

28 years ago, the die was cast for how emergency department encounters were documented.  Since then, we've had note bloat, click fatigue, and too much attention placed on things that really didn't matter. All of that is slated to change in 2023 with dramatic new documentation guidelines (that today's guest calls ‘refreshing') are implemented. When was the last time you heard the word ‘refreshing' used when it came to charting? And a massive thank you and hat tip to my friend Matt DeLaney who now runs ERcast - he was the first to alert us to these guidelines and interviewed Jason when they were first announced.    Episode Sponsor: Ivy Clinicians. Curious if there's a better clinical opportunity out there? Ivy is the simplest way for physicians, PAs, and nurse practitioners to match with jobs they love. With Ivy, you can find all 5,549 emergency departments, filter by your preferences, and connect securely with the right employers. All for free. Guest bio: Jason Adler, MD is  a clinical assistant professor of emergency medicine at the  University of Maryland where he is also the director of compliance and reimbursement. He is also the vice  president of acute care solutions at LogixHealth. Mentioned in this episode: The Awake and Aware Physician conference sponsored by Wild Health. Jan 13-15 Sedona Arizona. Use the code CONSCIOUSPHYSICIAN for 15% off (that's 15% off the whole package – lodging, meals, the course) Interested in one-on-one coaching? Learn more at roborman.com To support the show - visit our Patreon site and help keep the wind in the sails. For full show notes visit our podcast page We Discuss: History and physical documentation are now at your discretion; Heavy value is placed on cognitive work and medical decision making; History from a non-patient source is valued in these guidelines; Ordering a test is equally valued as not ordering a test; Consideration of escalation or deescalation of care; In addition to documenting your shared-decision making conversations, your MDM should include; Population health - Stable means something different when it comes to documentation; Social determinants of health; There is a heightened emphasis of independent interpretations of separately billable procedures (EKGs, X-ray, CT, U/S); Jason's take home points; And More.

In today's special episode we sat down with Arthur Herman, Senior Fellow at Hudson Institute and Director of the Quantum Alliance Initiative. He sheds light on the innovation race between the U-S and China, the ongoing microchip wars, and where our data is actually going.

On this episode, we're reviewing yesterdays Fed rate hike and it's macro economic effect on the crypto markets. Did the fed meeting provide insight into when we can start buying more crypto?Guest: Dr. Jeff Ross - MD, MBA Founder - Managing Director VailshireVailshire Capital website ➜ https://bit.ly/JeffRossVailshire

  With one week until the midterm elections, Sam and Emma break down the biggest headlines of the day. First, they run through updates on the Supreme Court – as Chief Justice Roberts blocks Congress access to Trump's tax returns – AIPAC's attacks on Summer Lee, and Bolsonaro maintaining his silence in the wake of his defeat, also touching on the continued grain shipments coming out of Ukraine and updates on midterm polling. Next, Sam and Emma parse through Charlie Kirk's assessment of the attack on Paul Pelosi as he plays defense against any conservative accountability ever, and explore the greater impact of conservative conspiracy and whether having sitting congresspeople declaring Nancy Pelosi treasonous and deserving of death would actually make people think she was treasonous and deserving of death. They also dive deep into the recent Supreme Court deliberations on affirmative action, first walking through the obvious legacies of racial discrimination that set up society writ large as the violator of the Fourteenth Amendment, before walking through the 50-year process of the conservative attack on affirmative action, beginning in 1978 and continuing through the recent cases against Harvard and UNC. Wrapping up that conversation, they explore the various reactions to these cases across the count, including Ketanji Brown Jackson painting a thought-provoking parallel between a legacy student and an ancestor of slaves and Justice Clarence Thomas asking if diversity even actually means anything anymore. And in the Fun Half: Sam and Emma talk with Sandy from Ontario about the recent Canadian elections and her recent interview with one Sem Sadar. Mina from Florida explores the Right Wing's long game, Cole James Cash calls in to preview his upcoming interview with Anna Delvey, and Dave from PA explores the Philly DSA's recent abortion counter-protests. Dave Rubin celebrates Elon's twitter takeover by just walking through a prolonged Glenn Greenwald thread, and VG from Seattle gives updates on the state of USPS letter carriers, plus, your calls and IMs! Become a member at JoinTheMajorityReport.com: https://fans.fm/majority/join Subscribe to the ESVN YouTube channel here: https://www.youtube.com/esvnshow Subscribe to the AMQuickie newsletter here: https://am-quickie.ghost.io/ Join the Majority Report Discord! http://majoritydiscord.com/ Get all your MR merch at our store: https://shop.majorityreportradio.com/ Get the free Majority Report App!: http://majority.fm/app Check out today's sponsors: Aura: Protect yourself from America's fastest-growing crime. Try Aura for 14 days for free: https://aura.com/majority Nutrafol: You don't have to choose between better hair growth and your health. There's a holistic solution for men that promotes both healthier hair and whole-body wellness: Nutrafol. Nutrafol is the #1 dermatologist-recommended hair growth supplement, clinically shown to improve your hair growth, thickness, and visible scalp coverage. You can grow thicker, healthier hair AND support our show by going to https://nutrafol.com/men/ and entering the promo code MAJORITY to save fifteen dollars off your first month's subscription. This is their best offer ANYWHERE and it is only available to U S customers for a limited time. Plus, FREE shipping on EVERY order. Get FIFTEEN DOLLARS OFF at https://nutrafol.com/men/ promo code MAJORITY. Follow the Majority Report crew on Twitter: @SamSeder @EmmaVigeland @MattBinder @MattLech @BF1nn @BradKAlsop Check out Matt's show, Left Reckoning, on Youtube, and subscribe on Patreon! https://www.patreon.com/leftreckoning Subscribe to Discourse Blog, a newsletter and website for progressive essays and related fun partly run by AM Quickie writer Jack Crosbie. https://discourseblog.com/ Check out Ava Raiza's music here! https://avaraiza.bandcamp.com/ The Majority Report with Sam Seder - https://majorityreportradio.com/

Live from the no panic zone—I'm Steve Gruber—I am America's Voice— I am an anti- socialist     Here are three big things you need to know right now— ONE— A WARNING for POST-HALLOWEEN—that candy colored fentanyl is showing up in kids candy—REALLY— so be very careful if you have not looked through it all—   TWO— Elon Musk is the now the sole director at Twitter—and I was watching as frightened lefties keep running for the door—afraid they might hear or see something they just can't handle— THREE— Here we are on the final dash to the mid-term elections and all the momentum has clearly shifted to the Republicans—so the question one week out—is not whether or not the Red Team will be taking back the House and the Senate—the question is by how much— In recent years—Republicans have steadily stopped talking to pollsters—and we know that—and that has made it increasingly difficult to gauge how many races will turn out—in fact some of the projections have been so far off—that I would suggest some of the polling companies really should get out of the business altogether— I mean when Hillary Clinton, we were told was ahead in the polls in Michigan by more than 20 points over Bernie Sanders in the 2016 primary season—and Bernie won the state—that should have been a very loud warning—to all of those who ask people their opinions year round—BUT they didn't pay attention—and they plowed forward— In 2016—I predicted Donald Trump would be elected President—and almost nobody else made the same bold statement except The Trafalgar Group—led by Robert Cahaly— In 2020—except for Donald Trump not prevailing—and we can debate the finer points on all of the that later—BUT the point I am making is the vast majority of polls told us—the Democrats would pick up 15 to 20 seats in the House—and in fact they lost 15—so once again—the pollsters blew that call— This year—some have started to lean toward the Republicans—BUT none as far as they should— So I am going to go with my call—that I made all the way back on June 13th—so you never have to wonder where I put my money—and my money is on the Republicans to win—and win big— Since I made that call, I have tempered my predictions a bit—and have been saying for months now that the Republicans are looking at picking up 35 seats in the House and 2 to 5 seats in the Senate—BUT you know what—I said what I said in June—and I can live with it— The biggest problems facing the nation are all economic issues that have been created by Joe Biden and his team in Washington—now as you know, nobody knows who is actually running the country—but its pretty clear—whoever it is, is running us all hard into the ditch—the only question is whether or not—its intentional—or they are incompetent— the latter is disturbing—BUT the former is criminal—and should be treated as such— We have learned from an amazing Exclusive article in the intercept—that your government has been working behind the scenes with Big Tech and other Multi-national corporations to fully influence the outcome of elections—not just in America—BUT around the world too— The companies working together with the U-S Government removed, blocked, limited and otherwise impacted the reach of information to hundreds of millions of people—under the guise of stopping misinformation and disinformation—and under the direction of the Cybersecurity and Infrastructure Security Agency—CISA—yeah—that must give you about as much comfort as it does me— And what companies are we talking about? Well according the report—prior to 2020—the companies included Facebook, Twitter, Reddit, Discord, Wikipedia, Microsoft, Linkedin and Verizon—and every one of those companies met on a monthly basis not only with CISA—BUT also with the FBI— And many of the companies provided the government direct portals—so agents could go in directly to remove, or modify content to its liking— This is the biggest most disturbing thing I have seen or read to date— The whole idea that the merging of government and Multi- Nationals was or is some kind of conspiracy theory—has now been blown out of the water by those damn things we call facts—and how annoying those facts are going to be—now that Elon Musk has access to one of the major players in the influence peddling scheme run from the highest levels of the U-S government— This is our one chance to nail these bastards to the wall—so lets not miss that opportunity— Meanwhile—like I said—the economy is the biggest issue factin voters next week—BUT crime, violent crime has steadily climbed up the list—and for many is now at or near the very top—

Welcome in to Noles News Now, your audio home for all things happening in Florida State athletics on the Tomahawk Nation podcast network. A victory and record breaking  Monday for the FSU football team as they enter rivalry week. Thanks so much for tuning in. I'm Brian Pellerin on this Monday October 31st. Happy Halloween.  That record breaking effort came from the football team in a blowout win over Georgia Tech. The Yellow Jackets were clearly no match for FSU as evidence by the 41-16 final score. The Noles were far from perfect in the game and still dominated the yardage, first downs and of course points. Jordan Travis broke his personal passing yardage mark with 394. That was a big piece of a larger FSU historical game as this game was the third time in FSU history that they had a QB throw for 375, a running back for over 100 -- Trey Benson's 111 -- and a wide receiver over 100 with Johnny Wilson going for 111 as well.  Another big note was Fabian Lovett made his first appearance since the second game of the season. A huge piece to have back heading into rivalry week against Miami.  The Canes coming off a 4-OT 14-12 win this weekend against Virginia that saw no touchdowns. They're far from playing their best football and oddsmakers will tell you that. FSU is an 8-point favorite on this one Sunday night. We'll see if that moves during the week.  A win this week would give FSU bowl eligibility but also a nice welcome to the conference to Mario Cristobal. A statement victory could also help in some recruiting battles with the Canes. Mike Norvell and the coaching staff had plenty of potential Tribe 23 guys on campus this past week. For more on that, you can check out our recruiting and portal thread with plenty of great insight all for free.  Elsewhere on campus, FSU basketball hit with some bad news this weekend as the NCAA announced star freshman Baba Miller violated guidelines when his family received travel to and from a training camp from his native Spain to the U-S. That ruling puts Miller out of action for half the season. Miller and his family say they immediately paid back the benefits once they learned it violated NCAA rules. Athletic Director Michael Alford was none too pleased with the ruling saying the decision seems disproportionate and inconsistent in today's modern environment. Miller will continue to practice with the team so he's ready to return after his 16-game suspension.  The FSU volleyball team dropped a 4-set match to Boston College on Sunday. They'll face Clemson next on Friday.  Women's basetball dominated West Georgia 115-46 in an exhibition game.  And the No. 5 soccer team closed out their regular season with a 4-1 win over Virginia Tech.  That'll do it for today's Noles News Now. Until Wednesday, I'm Brian Pellerin. Thanks for listening. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Fonseca and the crew go back for part 2 as they take the show on the U.S.S Hornet the seventh U.S. Navy vessel of that name, was a Yorktown-class aircraft carrier of the United States Navy. During World War II in the Pacific TheaterNow a museum in Alameda we where taken on a late night tour ....to see and hear about the hauntings on the carrier.. listen to part one the top of the carrier and hear what we heard....Happy Halloween

Welcome in to Noles News Now, your audio home for all things happening in Florida State athletics on the Tomahawk Nation podcast network. A victory and record breaking  Monday for the FSU football team as they enter rivalry week. Thanks so much for tuning in. I'm Brian Pellerin on this Monday October 31st. Happy Halloween.  That record breaking effort came from the football team in a blowout win over Georgia Tech. The Yellow Jackets were clearly no match for FSU as evidence by the 41-16 final score. The Noles were far from perfect in the game and still dominated the yardage, first downs and of course points. Jordan Travis broke his personal passing yardage mark with 394. That was a big piece of a larger FSU historical game as this game was the third time in FSU history that they had a QB throw for 375, a running back for over 100 -- Trey Benson's 111 -- and a wide receiver over 100 with Johnny Wilson going for 111 as well.  Another big note was Fabian Lovett made his first appearance since the second game of the season. A huge piece to have back heading into rivalry week against Miami.  The Canes coming off a 4-OT 14-12 win this weekend against Virginia that saw no touchdowns. They're far from playing their best football and oddsmakers will tell you that. FSU is an 8-point favorite on this one Sunday night. We'll see if that moves during the week.  A win this week would give FSU bowl eligibility but also a nice welcome to the conference to Mario Cristobal. A statement victory could also help in some recruiting battles with the Canes. Mike Norvell and the coaching staff had plenty of potential Tribe 23 guys on campus this past week. For more on that, you can check out our recruiting and portal thread with plenty of great insight all for free.  Elsewhere on campus, FSU basketball hit with some bad news this weekend as the NCAA announced star freshman Baba Miller violated guidelines when his family received travel to and from a training camp from his native Spain to the U-S. That ruling puts Miller out of action for half the season. Miller and his family say they immediately paid back the benefits once they learned it violated NCAA rules. Athletic Director Michael Alford was none too pleased with the ruling saying the decision seems disproportionate and inconsistent in today's modern environment. Miller will continue to practice with the team so he's ready to return after his 16-game suspension.  The FSU volleyball team dropped a 4-set match to Boston College on Sunday. They'll face Clemson next on Friday.  Women's basetball dominated West Georgia 115-46 in an exhibition game.  And the No. 5 soccer team closed out their regular season with a 4-1 win over Virginia Tech.  That'll do it for today's Noles News Now. Until Wednesday, I'm Brian Pellerin. Thanks for listening. Learn more about your ad choices. Visit podcastchoices.com/adchoices

One of the facts of life is that each of us will die someday and everything we have will be left behind, including our debts. So, who will have to pay those debts? Today, we'll be talking about debt after life and how it can affect your loved ones and beneficiaries. Often on Mondays, we focus on foundational matters related to finances. And you may recall that our teaching model centers around the five basic things you can do with your money. You can earn it, live on it, give it away, owe it to someone, and you can grow it by investing. Earn, live, give, owe, and grow. Today, we're focusing on owing money and on a particular aspect of that topic that perhaps you haven't thought about: namely, what happens to your debts when you die? Of course, those debts won't be of much concern to you at that point, but they could be of great concern to those you leave behind. Many people assume that when they pass away, their debts will be written off by creditors and not collected. Well, that is true with regard to some debts. But it is the exception, not the rule. The U-S government does write off federal school loans when the person who owes the money dies. And that extends to PLUS loans parents take out for their children's education. In fact, if either a parent or the student dies, the loan is written off. One other possible exception is small medical debts. Sometimes medical providers will write those off, but they are under no obligation to do so. As for other kinds of debt, those obligations do not go away. They'll be assigned to other people who will become responsible for paying them, or they'll be paid from the proceeds of your estate. We'll explain that in a moment. But first, you need to understand that there are two types of debt: secured debt and unsecured. A secured debt is anything that has collateral that is, something the creditor could take and sell to pay the debt if it came to that. Secured debt includes things such as a home mortgage and a car loan. A creditor could foreclose on a house or repossess a car. Those are secured debts. In contrast, unsecured debt has no collateral. Credit cards fall into that category. Typically, a secured debt will pass to a beneficiary. If your spouse becomes the sole owner of the house when you pass away, and you still have a mortgage on it, he or she will be responsible for continuing the payments. If you bequeath your car to a loved one, and it still has a loan on it, the beneficiary will have to either take over the payments or refuse the vehicle. As for unsecured debts, such as credit cards, those debts will not pass to a loved one unless that person is a joint account holder. If the person is simply an authorized user but not a joint account holder, that person won't be responsible for the debt. Now, in most cases, credit card debt will be paid from your estate. Estate is a legal term for the assets you leave behind, such as cash in a bank account or maybe a set of tools or collectibles you own. To satisfy the creditors, the executor of your estate will have to pay bills from those assets. That could involve selling things you left behind to generate enough cash to clear the debts. When settling an estate, creditors are first in line legally. They get paid before anyone else. That means fewer resources will be left for your heirs or to give away to your church or a charity. Fortunately, some assets are not considered part of your estate, including life insurance proceeds and retirement accounts with named beneficiaries. Those are protected against creditors. Let me say a word about medical-related debt. In most cases, a survivor is not directly responsible for that unless he or she co-signed a form pledging financial responsibility. However, laws relating to how debts are handled after death vary from state to state. Nine states in the U-S are what are known as community property states, in which marital assets are owned jointly. Medical debt may be handled differently in those states. Now, I have given you only the general lay of the land regarding what happens to debts after a person dies. It may be wise to consult an estate attorney if you have specific concerns about how debts will be dealt with based on the state you live in or your particular financial situation. You don't want your loved ones to be taken by surprise. On today's program, Rob also answers listener questions: ● Would an iBond or a traditional IRA make sense after maxing out Roth IRAs? ● What happens when trading on a company's stock is frozen? ● What resources should you look into for college scholarships? ● How can you roll investments into I-bonds? RESOURCES MENTIONED: ● Scholarships.com ● Fastweb.com ● collegeboard.org Remember, you can call in to ask your questions most days at (800) 525-7000 or email them to Questions@MoneyWise.org. Also, visit our website at MoneyWise.org where you can connect with a MoneyWise Coach, join the MoneyWise Community, and even download the free MoneyWise app. To support this ministry financially, visit: https://www.oneplace.com/donate/1085/29

One of the facts of life is that each of us will die someday and everything we have will be left behind, including our debts. So, who will have to pay those debts? Today, we'll be talking about debt after life and how it can affect your loved ones and beneficiaries. Often on Mondays, we focus on foundational matters related to finances. And you may recall that our teaching model centers around the five basic things you can do with your money. You can earn it, live on it, give it away, owe it to someone, and you can grow it by investing. Earn, live, give, owe, and grow. Today, we're focusing on owing money and on a particular aspect of that topic that perhaps you haven't thought about: namely, what happens to your debts when you die? Of course, those debts won't be of much concern to you at that point, but they could be of great concern to those you leave behind. Many people assume that when they pass away, their debts will be written off by creditors and not collected. Well, that is true with regard to some debts. But it is the exception, not the rule. The U-S government does write off federal school loans when the person who owes the money dies. And that extends to PLUS loans parents take out for their children's education. In fact, if either a parent or the student dies, the loan is written off. One other possible exception is small medical debts. Sometimes medical providers will write those off, but they are under no obligation to do so. As for other kinds of debt, those obligations do not go away. They'll be assigned to other people who will become responsible for paying them, or they'll be paid from the proceeds of your estate. We'll explain that in a moment. But first, you need to understand that there are two types of debt: secured debt and unsecured. A secured debt is anything that has collateral that is, something the creditor could take and sell to pay the debt if it came to that. Secured debt includes things such as a home mortgage and a car loan. A creditor could foreclose on a house or repossess a car. Those are secured debts. In contrast, unsecured debt has no collateral. Credit cards fall into that category. Typically, a secured debt will pass to a beneficiary. If your spouse becomes the sole owner of the house when you pass away, and you still have a mortgage on it, he or she will be responsible for continuing the payments. If you bequeath your car to a loved one, and it still has a loan on it, the beneficiary will have to either take over the payments or refuse the vehicle. As for unsecured debts, such as credit cards, those debts will not pass to a loved one unless that person is a joint account holder. If the person is simply an authorized user but not a joint account holder, that person won't be responsible for the debt. Now, in most cases, credit card debt will be paid from your estate. Estate is a legal term for the assets you leave behind, such as cash in a bank account or maybe a set of tools or collectibles you own. To satisfy the creditors, the executor of your estate will have to pay bills from those assets. That could involve selling things you left behind to generate enough cash to clear the debts. When settling an estate, creditors are first in line legally. They get paid before anyone else. That means fewer resources will be left for your heirs or to give away to your church or a charity. Fortunately, some assets are not considered part of your estate, including life insurance proceeds and retirement accounts with named beneficiaries. Those are protected against creditors. Let me say a word about medical-related debt. In most cases, a survivor is not directly responsible for that unless he or she co-signed a form pledging financial responsibility. However, laws relating to how debts are handled after death vary from state to state. Nine states in the U-S are what are known as community property states, in which marital assets are owned jointly. Medical debt may be handled differently in those states. Now, I have given you only the general lay of the land regarding what happens to debts after a person dies. It may be wise to consult an estate attorney if you have specific concerns about how debts will be dealt with based on the state you live in or your particular financial situation. You don't want your loved ones to be taken by surprise. On today's program, Rob also answers listener questions: ● Would an iBond or a traditional IRA make sense after maxing out Roth IRAs? ● What happens when trading on a company's stock is frozen? ● What resources should you look into for college scholarships? ● How can you roll investments into I-bonds? RESOURCES MENTIONED: ● Scholarships.com ● Fastweb.com ● collegeboard.org Remember, you can call in to ask your questions most days at (800) 525-7000 or email them to Questions@MoneyWise.org. Also, visit our website at MoneyWise.org where you can connect with a MoneyWise Coach, join the MoneyWise Community, and even download the free MoneyWise app. To support this ministry financially, visit: https://www.oneplace.com/donate/1085/29

To celebrate Cider Season, this week we're talking with the Founder & President of Original Sin Cider, Gidon Coll, as well as Damin Sawyer, the creator of Bone N' Bottle Reviews. Together they discuss how the sweetness of early cider imports led Gidon to start Original Sin back in 1996, and reminisce about the early iterations of Cider Week.  Gidon also shares some of the secrets for making a great fruited cider using his own "Black Widow", a blackberry cider, as one example, and illuminates some of the guiding principles he uses to run his own apple orchard. If you're in the Boston area on November 12th, check out Cider Feast.Heritage Radio Network is a listener supported nonprofit podcast network. Support Beer Sessions Radio by becoming a member!Beer Sessions Radio is Powered by Simplecast

In episode 1359, Jack and Miles are joined by comedian and co-host of Pod Yourself The Wire, Matt Lieb, to discuss… Trump Gonna Rehearse a 2024 Coup in Pennsylvania? America's School And Q Based Moral Panic Is In Full Swing and more! Trump Gonna Rehearse a 2024 Coup in Pennsylvania? The Midterms Are Shaping Up as a Dry Run for Trump's Next Coup America's School And Q Based Moral Panic Is In Full Swing A teen's mural included video game fan art. Parents called it satanic. LISTEN: In Spring by Tara Clerkin TrioSee omnystudio.com/listener for privacy information.

Most of us make money by working a job. But there is another way to make money and that's by putting money itself to work. Getting your money to earn more money is crucial if you're going to build a nest egg for the future. We'll talk about that today on MoneyWise. As we often say, there are five basic things you can do with money: You can earn it, live on it, give some away, owe it to someone, and lastly, you can grow it for the future. Earn, Live, Give, Wwe, and Grow. Today, we'll focus on growing your money. The run-up in inflation that we've seen over the past year-and-a-half makes it clear that finding ways to grow your money is essential. If you put money in the bank and earn a 1-2% annual return while inflation is running at 7-8% percent annually, you're falling way behind! Inflation means that the money you put in the bank will have significantly less purchasing power when you take it out than when you put it in. That's why it's so important to increase the growth rate of your money to try to keep up with inflation. KEEPING UP WITH INFLATION So, how can you do that? Well, there are many options, but each calls for investing your money somehow. The safest approach right now would be to invest in government I-Bonds. The I stands for inflation. Those bonds, guaranteed by the U-S government, are designed to keep pace with inflation. Unfortunately, I-Bonds carry restrictions, such as a $10,000 per-person limit on how much you can invest each year. Further, you can't hold I-Bonds in a retirement account such as an IRA or a company-sponsored 401(k) plan. So, to match or beat inflation, you have to go beyond super-safe I bonds and look to investments that grow with the economy. INVESTING IN THE MARKET For most people, investing in the stock market is the easiest way to do this. We know that seems scary to some people. But to get your money to grow requires you to take some risk. The good news is that you can minimize the risk of investing in stocks if you spread your money across many companies and stay invested for a long time. The easiest way to broadly invest is to hold mutual funds that contain shares of many companies. Some funds hold the stock of hundreds of companies. And those funds have tended to do quite well over time. Of course, no one knows the future. But history tells that those who invest broadly and steadily over a long time almost always come out ahead. THE POWER OF COMPOUNDING As your investments grow over time, the earnings on your investments can purchase more shares. Those new shares will grow and allow you to purchase still more shares. This compounding growth is what helps you keep up with or outpace inflation. The effect of compounding, given enough time, is remarkable. It can turn relatively modest investments of thousands of dollars a year into millions over a few decades. That's why compound interest is often called the 8th Wonder of the World. One warning, however: Investing can foster bad things in your life, such as greed when the investment markets are performing well and fear when they're not. As a Christian investor, you need to be on your guard. Don't let greed and fear take over. Instead, seek to be a wise and faithful steward who takes a reasonable amount of risk to prepare for future needs. It's possible in investing to take excessive risk. Proverbs 13:11 warns, Wealth gained hastily will dwindle, but whoever gathers little by little will increase it. It's also possible to take too little risk, which likely will result in you not being financially prepared for your later years. As a steward of what belongs to God, it's your role to find the right balance as you seek to put your money to work and make it grow. For helpful guidance in this area of investing, visit MoneyWise.org. On today's program, Rob also answers listener questions: ● Does it make sense to not enroll in Medicare Part-B when you're eligible? ● How and when can you get rid of private mortgage insurance? ● If you leave a traditional IRA to a relative, will they have to pay taxes on that? ● What should you do with investment money if an employer does not match contributions? RESOURCES MENTIONED: ● TreasuryDirect.gov Remember, you can call in to ask your questions most days at (800) 525-7000 or email them to Questions@MoneyWise.org. Also, visit our website at MoneyWise.org where you can connect with a MoneyWise Coach, join the MoneyWise Community, and even download the free MoneyWise app. To support this ministry financially, visit: https://www.oneplace.com/donate/1085/29

Fonseca and the crew go back for part 2 as they take the show on the U.S.S Hornet the seventh U.S. Navy vessel of that name, was a Yorktown-class aircraft carrier of the United States Navy. During World War II in the Pacific TheaterNow a museum in Alameda we where taken on a late night tour ....to see and hear about the hauntings on the carrier.. listen to part one the top of the carrier and hear what we heard....Happy Halloween

Most of us make money by working a job. But there is another way to make money and that's by putting money itself to work. Getting your money to earn more money is crucial if you're going to build a nest egg for the future. We'll talk about that today on MoneyWise. As we often say, there are five basic things you can do with money: You can earn it, live on it, give some away, owe it to someone, and lastly, you can grow it for the future. Earn, Live, Give, Wwe, and Grow. Today, we'll focus on growing your money. The run-up in inflation that we've seen over the past year-and-a-half makes it clear that finding ways to grow your money is essential. If you put money in the bank and earn a 1-2% annual return while inflation is running at 7-8% percent annually, you're falling way behind! Inflation means that the money you put in the bank will have significantly less purchasing power when you take it out than when you put it in. That's why it's so important to increase the growth rate of your money to try to keep up with inflation. KEEPING UP WITH INFLATION So, how can you do that? Well, there are many options, but each calls for investing your money somehow. The safest approach right now would be to invest in government I-Bonds. The I stands for inflation. Those bonds, guaranteed by the U-S government, are designed to keep pace with inflation. Unfortunately, I-Bonds carry restrictions, such as a $10,000 per-person limit on how much you can invest each year. Further, you can't hold I-Bonds in a retirement account such as an IRA or a company-sponsored 401(k) plan. So, to match or beat inflation, you have to go beyond super-safe I bonds and look to investments that grow with the economy. INVESTING IN THE MARKET For most people, investing in the stock market is the easiest way to do this. We know that seems scary to some people. But to get your money to grow requires you to take some risk. The good news is that you can minimize the risk of investing in stocks if you spread your money across many companies and stay invested for a long time. The easiest way to broadly invest is to hold mutual funds that contain shares of many companies. Some funds hold the stock of hundreds of companies. And those funds have tended to do quite well over time. Of course, no one knows the future. But history tells that those who invest broadly and steadily over a long time almost always come out ahead. THE POWER OF COMPOUNDING As your investments grow over time, the earnings on your investments can purchase more shares. Those new shares will grow and allow you to purchase still more shares. This compounding growth is what helps you keep up with or outpace inflation. The effect of compounding, given enough time, is remarkable. It can turn relatively modest investments of thousands of dollars a year into millions over a few decades. That's why compound interest is often called the 8th Wonder of the World. One warning, however: Investing can foster bad things in your life, such as greed when the investment markets are performing well and fear when they're not. As a Christian investor, you need to be on your guard. Don't let greed and fear take over. Instead, seek to be a wise and faithful steward who takes a reasonable amount of risk to prepare for future needs. It's possible in investing to take excessive risk. Proverbs 13:11 warns, Wealth gained hastily will dwindle, but whoever gathers little by little will increase it. It's also possible to take too little risk, which likely will result in you not being financially prepared for your later years. As a steward of what belongs to God, it's your role to find the right balance as you seek to put your money to work and make it grow. For helpful guidance in this area of investing, visit MoneyWise.org. On today's program, Rob also answers listener questions: ● Does it make sense to not enroll in Medicare Part-B when you're eligible? ● How and when can you get rid of private mortgage insurance? ● If you leave a traditional IRA to a relative, will they have to pay taxes on that? ● What should you do with investment money if an employer does not match contributions? RESOURCES MENTIONED: ● TreasuryDirect.gov Remember, you can call in to ask your questions most days at (800) 525-7000 or email them to Questions@MoneyWise.org. Also, visit our website at MoneyWise.org where you can connect with a MoneyWise Coach, join the MoneyWise Community, and even download the free MoneyWise app. To support this ministry financially, visit: https://www.oneplace.com/donate/1085/29

On this episode, we're taking a look at the recent economic stats from the Federal Reserve (FED) causing a bearish outlook for Bitcoin (BTC) and crypto markets as well as macro-economy trends and news. We're discussing how to fix inflation in the least painful way possible. Is crypto a possible solution for our economy? We're also taking a look at macro investment strategies.Guests: Dr. Jeff Ross & Darius DaleDarius Dale Founder & CEO - 42 Macro42 Macro website ➜ https://bit.ly/42MacroDDJeffrey Ross, MD, MBA Founder - Managing Director VailshireVailshire Capital website ➜ https://bit.ly/JeffRossVailshire

*Emergency episode* The FBI has, once again, raided a political opponent of Joe Biden's regime. This time, an ABC producer who was writing a book about Joe Biden's colossal failure pulling out of Afghanistan. Coincidence? I know not. You guys have no idea how quickly we truly are slipping into Cuba-level Communism in America. Arresting political opponents is quite literally not okay, and this needs to be something everyone is talking about. This is the first person in the press that the Biden regime has nixed; but don't think it will be the last. The arrests of political opponents will just keep coming. We must stop this before it gets absolutely out of control (it already is). So keep educating everyone about the truth, and for God's sake you guys, study actual Communism. See how it has claimed over 100 million lives. It ALWAYS ends in death and destruction. Reject it in full. Before it is actually too late. This isn't a political party sides thing. This is a right and wrong thing. If you want to be "on the right side of history" so much, then the least you could do is know history. Research Communism. From a non-Leftist source. Also, read your Bible.—https://www.christianbook.com/esv-student-study-bible-trutone-chestnut/9781433556258/pd/556258—https://open.spotify.com/episode/5mivtbH92SfITaD1om7jVv?si=UPhtaNqpQueUSNEtOx-_OA

A new Associated Press-NORC Center poll finds that many in the U-S have little confidence in the state of democracy in the nation. CBS News Correspondent Allison Keyes has more in today's "Reporter's Notebook."See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Fonseca takes the show on the U.S.S Hornet the seventh U.S. Navy vessel of that name, was a Yorktown-class aircraft carrier of the United States Navy. During World War II in the Pacific TheaterNow a museum in Alameda we where taken on a late night tour ....to see and hear about the hauntings on the carrier.. listen to part one the top of the carrier and hear what we heard....Happy Halloween

Bitcoin (BTC) dropped to as low as $18,183 after the Consumer Price Index (CPI) data was released on Thursday. The Labor Department reported consumer prices in September rose 8.2% from the same month last year and 0.4% from August. Measured by "core CPI", which excludes volatile food and energy prices, U.S. consumer prices advanced to a 40-year high in September.~This episode is sponsored by Bybit~Receive up to a $500 Bonus upon depositing & signing up to Bybit.Join Now! - https://bit.ly/ByBitPBN2

The leaders of Russia and North Korea, both nuclear powers, are vowing to tighten their relationship in a united front against the West. Last month U-S officials revealed that the Kremlin was going to buy millions of missiles and artillery shells from North Korea for use in Ukraine. FOX's Jeff Monosso speaks speaks with Rebekah Koffler, president of Doctrine & Strategy Consulting, a former DIA intelligence officer, and the author of "Putin's Playbook: Russia's Secret Plan to Defeat America", about the dangers of the two despots increasing their bilateral relations Click Here To Follow 'The FOX News Rundown: Evening Edition' https://listen.foxaud.io/rundown?sid=fnr.podeve  Learn more about your ad choices. Visit megaphone.fm/adchoices

The leaders of Russia and North Korea, both nuclear powers, are vowing to tighten their relationship in a united front against the West. Last month U-S officials revealed that the Kremlin was going to buy millions of missiles and artillery shells from North Korea for use in Ukraine. FOX's Jeff Monosso speaks speaks with Rebekah Koffler, president of Doctrine & Strategy Consulting, a former DIA intelligence officer, and the author of "Putin's Playbook: Russia's Secret Plan to Defeat America", about the dangers of the two despots increasing their bilateral relations Click Here To Follow 'The FOX News Rundown: Evening Edition' https://listen.foxaud.io/rundown?sid=fnr.podeve  Learn more about your ad choices. Visit megaphone.fm/adchoices

The leaders of Russia and North Korea, both nuclear powers, are vowing to tighten their relationship in a united front against the West. Last month U-S officials revealed that the Kremlin was going to buy millions of missiles and artillery shells from North Korea for use in Ukraine. FOX's Jeff Monosso speaks speaks with Rebekah Koffler, president of Doctrine & Strategy Consulting, a former DIA intelligence officer, and the author of "Putin's Playbook: Russia's Secret Plan to Defeat America", about the dangers of the two despots increasing their bilateral relations Click Here To Follow 'The FOX News Rundown: Evening Edition' https://listen.foxaud.io/rundown?sid=fnr.podeve  Learn more about your ad choices. Visit megaphone.fm/adchoices

In a rare display of bipartisanship, the U.S. Senate voted 69-27 in favor of ratifying a key international climate agreement aimed at curbing global warming.  The Kigali Amendment to the Montreal Protocol, which has been ratified by 137 other countries so far, ends the use of climate-warming hydrofluorocarbons that are 1,000 times more potent than […]

One of the facts of life is that each of us will die someday and everything we have will be left behind, including our debts. So, who will have to pay those debts? Today, we'll be talking about debt after life and how it can affect your loved ones and beneficiaries. Often on Mondays, we focus on foundational matters related to finances. And you may recall that our teaching model centers around the five basic things you can do with your money. You can earn it, live on it, give it away, owe it to someone, and you can grow it by investing. Earn, live, give, owe, and grow. Today, we're focusing on owing money and on a particular aspect of that topic that perhaps you haven't thought about: namely, what happens to your debts when you die? Of course, those debts won't be of much concern to you at that point, but they could be of great concern to those you leave behind. Many people assume that when they pass away, their debts will be written off by creditors and not collected. Well, that is true with regard to some debts. But it is the exception, not the rule. The U-S government does write off federal school loans when the person who owes the money dies. And that extends to PLUS loans parents take out for their children's education. In fact, if either a parent or the student dies, the loan is written off. One other possible exception is small medical debts. Sometimes medical providers will write those off, but they are under no obligation to do so. As for other kinds of debt, those obligations do not go away. They'll be assigned to other people who will become responsible for paying them, or they'll be paid from the proceeds of your estate. We'll explain that in a moment. But first, you need to understand that there are two types of debt: secured debt and unsecured. A secured debt is anything that has collateral that is, something the creditor could take and sell to pay the debt if it came to that. Secured debt includes things such as a home mortgage and a car loan. A creditor could foreclose on a house or repossess a car. Those are secured debts. In contrast, unsecured debt has no collateral. Credit cards fall into that category. Typically, a secured debt will pass to a beneficiary. If your spouse becomes the sole owner of the house when you pass away, and you still have a mortgage on it, he or she will be responsible for continuing the payments. If you bequeath your car to a loved one, and it still has a loan on it, the beneficiary will have to either take over the payments or refuse the vehicle. As for unsecured debts, such as credit cards, those debts will not pass to a loved one unless that person is a joint account holder. If the person is simply an authorized user but not a joint account holder, that person won't be responsible for the debt. Now, in most cases, credit card debt will be paid from your estate. Estate is a legal term for the assets you leave behind, such as cash in a bank account or maybe a set of tools or collectibles you own. To satisfy the creditors, the executor of your estate will have to pay bills from those assets. That could involve selling things you left behind to generate enough cash to clear the debts. When settling an estate, creditors are first in line legally. They get paid before anyone else. That means fewer resources will be left for your heirs or to give away to your church or a charity. Fortunately, some assets are not considered part of your estate, including life insurance proceeds and retirement accounts with named beneficiaries. Those are protected against creditors. Let me say a word about medical-related debt. In most cases, a survivor is not directly responsible for that unless he or she co-signed a form pledging financial responsibility. However, laws relating to how debts are handled after death vary from state to state. Nine states in the U-S are what are known as community property states, in which marital assets are owned jointly. Medical debt may be handled differently in those states. Now, I have given you only the general lay of the land regarding what happens to debts after a person dies. It may be wise to consult an estate attorney if you have specific concerns about how debts will be dealt with based on the state you live in or your particular financial situation. You don't want your loved ones to be taken by surprise. On today's program, Rob also answers listener questions: ● Would an iBond or a traditional IRA make sense after maxing out Roth IRAs? ● What happens when trading on a company's stock is frozen? ● What resources should you look into for college scholarships? ● How can you roll investments into I-bonds? RESOURCES MENTIONED: ● Scholarships.com ● Fastweb.com ● collegeboard.org Remember, you can call in to ask your questions most days at (800) 525-7000 or email them to Questions@MoneyWise.org. Also, visit our website at MoneyWise.org where you can connect with a MoneyWise Coach, join the MoneyWise Community, and even download the free MoneyWise app. To support this ministry financially, visit: https://www.oneplace.com/donate/1085/29

One of the facts of life is that each of us will die someday and everything we have will be left behind, including our debts. So, who will have to pay those debts? Today, we'll be talking about debt after life and how it can affect your loved ones and beneficiaries. Often on Mondays, we focus on foundational matters related to finances. And you may recall that our teaching model centers around the five basic things you can do with your money. You can earn it, live on it, give it away, owe it to someone, and you can grow it by investing. Earn, live, give, owe, and grow. Today, we're focusing on owing money and on a particular aspect of that topic that perhaps you haven't thought about: namely, what happens to your debts when you die? Of course, those debts won't be of much concern to you at that point, but they could be of great concern to those you leave behind. Many people assume that when they pass away, their debts will be written off by creditors and not collected. Well, that is true with regard to some debts. But it is the exception, not the rule. The U-S government does write off federal school loans when the person who owes the money dies. And that extends to PLUS loans parents take out for their children's education. In fact, if either a parent or the student dies, the loan is written off. One other possible exception is small medical debts. Sometimes medical providers will write those off, but they are under no obligation to do so. As for other kinds of debt, those obligations do not go away. They'll be assigned to other people who will become responsible for paying them, or they'll be paid from the proceeds of your estate. We'll explain that in a moment. But first, you need to understand that there are two types of debt: secured debt and unsecured. A secured debt is anything that has collateral that is, something the creditor could take and sell to pay the debt if it came to that. Secured debt includes things such as a home mortgage and a car loan. A creditor could foreclose on a house or repossess a car. Those are secured debts. In contrast, unsecured debt has no collateral. Credit cards fall into that category. Typically, a secured debt will pass to a beneficiary. If your spouse becomes the sole owner of the house when you pass away, and you still have a mortgage on it, he or she will be responsible for continuing the payments. If you bequeath your car to a loved one, and it still has a loan on it, the beneficiary will have to either take over the payments or refuse the vehicle. As for unsecured debts, such as credit cards, those debts will not pass to a loved one unless that person is a joint account holder. If the person is simply an authorized user but not a joint account holder, that person won't be responsible for the debt. Now, in most cases, credit card debt will be paid from your estate. Estate is a legal term for the assets you leave behind, such as cash in a bank account or maybe a set of tools or collectibles you own. To satisfy the creditors, the executor of your estate will have to pay bills from those assets. That could involve selling things you left behind to generate enough cash to clear the debts. When settling an estate, creditors are first in line legally. They get paid before anyone else. That means fewer resources will be left for your heirs or to give away to your church or a charity. Fortunately, some assets are not considered part of your estate, including life insurance proceeds and retirement accounts with named beneficiaries. Those are protected against creditors. Let me say a word about medical-related debt. In most cases, a survivor is not directly responsible for that unless he or she co-signed a form pledging financial responsibility. However, laws relating to how debts are handled after death vary from state to state. Nine states in the U-S are what are known as community property states, in which marital assets are owned jointly. Medical debt may be handled differently in those states. Now, I have given you only the general lay of the land regarding what happens to debts after a person dies. It may be wise to consult an estate attorney if you have specific concerns about how debts will be dealt with based on the state you live in or your particular financial situation. You don't want your loved ones to be taken by surprise. On today's program, Rob also answers listener questions: ● Would an iBond or a traditional IRA make sense after maxing out Roth IRAs? ● What happens when trading on a company's stock is frozen? ● What resources should you