Podcasts about Medicare

In this video our experts analyze and educate you on what happened and why with fact based, data based, verified and researched expertise reporting. For free and unbiased Medicare help, dial (656) 218-0931 to speak with my trusted partner, Chapter, or go to https://askchapter.org/nez▶Sign up to our Free Newsletter, so you never miss out: https://bio.site/professornezSomething has gone seriously wrong.New footage and reports show very young children being brought into volatile anti-ICE protests — including active riot scenes — where tear gas was deployed and kids were caught in the chaos.In Portland, Oregon, self-described “mothers” brought children — including a seven-year-old and even a baby — into demonstrations at an ICE facility. The result? Children exposed to chemical agents during unrest that any responsible adult would avoid.This video isn't about politics — it's about judgment, responsibility, and where the line should be drawn when children are involved.Adults can protest. Adults can argue policy.But when kids are placed in harm's way for ideological theater, something needs to be said.Watch the full breakdown, footage, and analysis — and decide for yourself.#BreakingNews #ICEProtests #ChildSafety #PoliticalCommentary #PortlandRiots #ProtestFootage #NewsAnalysis #CurrentEvents #ParentalResponsibility #CivilUnrest #AmericaDebate #ViralNews #YouTubeNews #WatchNow

Many teachers are offered a subsidized Medicare plan from their school district when they retire. They are told this is a great benefit that they have contributed to their whole career. Sounds great, right? Most don't realize that what they are being offered is not traditional Medicare. It is a more restrictive form of healthcare called Medicare Advantage. They also don't realize  that the choice they make at 65 can affect their healthcare options for the rest of their lives. As they get older and require more healthcare, they may not be able to switch to original Medicare. We speak with a woman who describes the ordeal she went through to escape Medicare "Advantage."  What I Learned Trying to Leave an Employer-Sponsored Medicare Advantage Plan Learned by Being Burned (short pod series about K-12 403(b) issues) 403bwise.org Meridian Wealth Management Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®).

The holidays are behind us; you know what that means—it's tax season! But before you start gathering your W-2s and receipts, there's an important question: Do you know who will prepare your taxes this year?With a nationwide shortage of Certified Public Accountants (CPAs) and tax professionals, waiting too long to find a preparer could leave you scrambling—and vulnerable to scams. Here's how to protect yourself and find a trusted tax preparer.Who Can Prepare Your Taxes?When hiring a tax professional, your preparer will likely fall into one of three categories:Certified Public Accountant (CPA): These professionals undergo rigorous education, exams, and licensing requirements. Many specialize in tax preparation and can also provide broader financial guidance.Enrolled Agent (EA): Licensed by the IRS, EAs are tax experts who can prepare and file returns, represent clients before the IRS, and provide tax planning services.Tax Attorney: These legal professionals specialize in tax law and are particularly useful for complex tax situations, audits, or disputes.Each of these professionals is highly qualified—but the problem is there aren't enough of them.There is a growing shortage of CPAs and tax professionals, largely due to fewer young people entering the field. One of the major "Big Four" firms, KPMG, continues to offer high school students internships at $22 an hour to encourage them to become CPAs.What does this mean for you?Longer wait times to book a tax preparerHigher fees due to increased demandGreater risk of falling into the hands of fraudulent preparersWhen people are desperate to file their returns, they can become easy targets for scammers who fake credentials or engage in tax fraud.How to Avoid Tax Scams and Find a Qualified PreparerTo protect yourself, follow these IRS-recommended steps when choosing a tax preparer:1. Choose a Year-Round Tax PreparerA reputable preparer should be available year-round. You don't want your tax preparer to disappear if you get audited.2. Verify Their IRS CredentialsAsk for the IRS Preparer Tax Identification Number (PTIN). All paid tax return preparers must register with the IRS and enter their PTIN on every return they file.Check their status using the IRS Directory of Federal Tax Return Preparers at IRS.gov.3. Look for Professional CredentialsAsk if the preparer holds a credential such as:CPA (Check with the State Board of Accountancy)Enrolled Agent (Verify at IRS.gov under "Verify Enrolled Agent Status")Tax Attorney (Confirm with their State Bar Association)Additionally, inquire about continuing education, as tax laws change frequently; professionals should stay current.4. Be Cautious About FeesBeware of tax preparers who:Charge fees based on a percentage of your refundClaim they can get you a larger refund than competitorsA legitimate preparer should charge a flat or hourly rate based on the complexity of your return.5. Verify IRS E-File CapabilityMost tax preparers handling more than 10 clients must file electronically. If your preparer refuses to e-file, that's a red flag.6. Ensure Proper DocumentationA trustworthy tax preparer will ask for the following:Your W-2 and 1099 forms (not just a pay stub)Records of deductions and creditsIf a preparer doesn't ask for supporting documents, walk away. The IRS requires proper documentation to verify your return.7. Understand Representation RulesOnly CPAs, Enrolled Agents, and tax attorneys can represent you before the IRS if you're audited. Non-credentialed tax preparers—including your math-savvy cousin Bill—cannot represent you in an audit.8. Never Sign a Blank or Incomplete Tax ReturnPlease review your return carefully before signing. Ensure all information is accurate, and ask questions if anything appears incorrect.9. Your Refund Should Go to You—Not the PreparerCheck the routing and account number on your tax return to ensure your refund is deposited into your own account, not your preparer's.Looking for a Faith-Based Financial Professional?If you want to work with a tax professional who aligns with biblical financial principles, consider finding a CPA, Enrolled Agent, or tax attorney with the Certified Kingdom Advisor (CKA®) designation. To find a trusted, faith-based tax professional, visit FindaCKA.com. With tax season here, choosing a reputable, qualified tax preparer is more important than ever. Don't wait until the last minute—start your search today to avoid scams and ensure your taxes are filed accurately and ethically.On Today's Program, Rob Answers Listener Questions:I have long-term care insurance and want to know if it covers assisted living, and for how long. Also, how expensive are these policies—what's the range?I'm 45 and looking to buy a house with a 30-year mortgage. Is that a wise move since I'd be nearing retirement by the time it's paid off?I'm remodeling our bathroom for my husband, who has Parkinson's, and it will cost about $25,000–$30,000. Is it better to take the money from my 401(k) or from equity in our paid-off home?My husband is retired, and when he tries to claim disability, they tell him he can't because of my income since we file jointly. Should we be filing separately?My mom may receive a settlement of around $300,000 after my dad passed. She wants to save some for the grandchildren. How will that affect taxes, insurance, and Medicare, since her income would change?Resources Mentioned:Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner)Movement MortgageOur Ultimate Treasure: A 21-Day Journey to Faithful StewardshipWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

n the 8 AM Hour: Larry O’Connor and Patrice Onwuka discussed: WMAL GUEST: 8:05 AM - INTERVIEW - LOUDOUN COUNTY SHERIFF MIKE CHAPMAN TOPIC: Gov. Spanberger ends ICE agreement involving Virginia State Police and corrections officers WMAL GUEST: 8:15 AM - INTERVIEW - CHRIS KLOMP - Director of Medicare and Deputy Administrator of Centers for Medicare & Medicaid Services (CMS) and Senior Advisor to HHS Secretary Robert F. Kennedy Jr TOPIC: Discuss TrumpRX announcement yesterday WMAL GUEST: 8:35 AM - INTERVIEW - KATIE PAVLICH - host of NewsNation's Katie Pavlich Tonight TOPIC: Discuss news of the day / plug her new show Sean Spicer on X: "This is Virginia Attorney General Jay Jones’ parking spot on Grace Street in downtown Richmond Apparently when you threaten your political opponent with “two bullets to the head” they make it a gun free zone https://t.co/Zy8OPnQl7E" / X Where to find more about WMAL's morning show: Follow the Show Podcasts on Apple podcasts, Audible and Spotify. Follow WMAL's "O'Connor and Company" on X: @WMALDC, @LarryOConnor, @Jgunlock, @patricepinkfile and @heatherhunterdc. Facebook: WMALDC and Larry O'Connor Instagram: WMALDC Show Website: https://www.wmal.com/oconnor-company/ How to listen live weekdays from 5 to 9 AM: https://www.wmal.com/listenlive/ Episode: Friday, February 6, 2025 / 8 AM HourSee omnystudio.com/listener for privacy information.

America's drug crisis isn't a science problem; it's a pricing and policy problem that blocks patients from medicines that already exist. In this episode, Dr. Jerry Avorn, a professor of medicine and leading expert in pharmacoepidemiology and medication policy, discusses why many patients still can't afford essential treatments even as breakthrough drugs for cancer and inflammatory disease proliferate. He shares a personal case where “nonadherence” was really unaffordability, then unpacks how US exceptionalism in drug pricing, patent “thickets,” and delayed competition keep costs unsustainably high. Dr. Avorn also contrasts access failures with overuse concerns, explores why other countries negotiate on the basis of value, and addresses objections to innovation and rationing, including a sobering example of cystic fibrosis in the UK. Finally, he explains how academic detailing spreads evidence-based prescribing and evaluates recent US attempts to let Medicare negotiate prices alongside more deal-driven approaches.  Tune in and learn how drug prices, patents, and public funding shape what patients can actually access! Resources: Connect with and follow Dr. Jerry Avorn on LinkedIn. Follow Harvard Medical School on LinkedIn and explore their website! Learn more about Brigham and Women's Hospital on LinkedIn and visit their website. Visit Dr. Avorn's personal website. Buy the Rethinking Meds book here and learn more about it here. Learn more about your ad choices. Visit megaphone.fm/adchoices

The Situation Report for February 5, 2026. The DOJ releases millions of new Epstein documents exposing elite connections, Iran escalates regional threats while massacring protesters at home, and investigators uncover a massive Medicare hospice fraud scheme ripping off seniors in Los Angeles. All this and much more in just ten minutes.   The Department of Justice releases another massive tranche of the Epstein Files   Iran Ramps up Regional Threats as Accounts of Regime Violence Emerge   Los Angeles hospice fraud reaches billions as Medicare providers scam the federal system with fake companies   Medical Experts Come Out Against Gender Transition Surgeries for Children   NASA moves Artemis II Mission to March 2026 After Test-Run Issue   Media Bias Alert: The mainstream coverage on Alex Pretti and ICE   The Clintons agree to appear before the House Oversight Committee   A new Fed chairman   Hey Billie Eilish, what were you saying about "stolen land?"   Read of the week: "Gold Standard" by Michael D. Bordo

This is the courtroom showdown years in the making: the 2012 trial of former Bolingbrook police sergeant Drew Peterson for the murder of his third wife, Kathleen Savio against the backdrop of his fourth wife, Stacy Peterson, still missing.Prosecutors build a case without a single “smoking gun,” leaning on forensic testimony, a re-examined autopsy, and the statements Kathleen and Stacy allegedly made about fear, threats, and what Drew was capable of, evidence allowed under the statute that became publicly known as “Drew's Law.” After days of deliberation, the jury finds Peterson guilty of first-degree murder in September 2012, and he's later sentenced to 38 years. Appeals follow, but the conviction stands—including after the Illinois Supreme Court upholds it in 2017. Then comes another twist: a 2016 conviction for soliciting a murder-for-hire from prison—an alleged plot targeting prosecutor James Glasgow, adding 40 more years. And still, Stacy's case remains open.We appreciate our sponsors that made this episode possible!NMLS 182334, https://nmlsconsumeraccess.org APR for rates in the 5s start at 6.196% for well qualified borrowers. Call 888-841-1319, for details about credit costs and terms. Or https://americanfinancing.net/PhilChapter: Don't wait! If you're on Medicare or will be soon, reach out to Chapter. Call: (352)-845-0659 or go to https://askchapter.org/ to learn about your Medicare options and get help finding ways to save money. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Kiera is joined by Alexis Gallati, founder and lead tax strategist at Cerebral Tax Advisors, to talk about tax strategy not just for 2025 success, but 2026 and beyond. They discuss asking your CPA the right questions, shifting income from your higher tax bracket down, the Augusta rule, and a ton more. Episode resources: Subscribe to The Dental A-Team podcast Schedule a Practice Assessment Leave us a review Transcript: The Dental A Team (00:00) Hello, Dental A Team listeners. This is Kiera and today I am super jazzed. I have an incredible guest joining us on the podcast today ⁓ to talk about last minute tax strategies before April 15th. Like why not? I mean, hey, maybe you were like, you're not the early bird. You were like, shoot, I forgot. Like what things can I do? And so I'm super excited. Alexis Gallati, she reached out to us. ⁓ She is founder and lead tax strategist at Cerebral Tax Advisors.   Ansari Real Wealth Academy. And I was so excited about this topic because I know you guys know I love to geek out about this and I have it on my vision board of tax expert ahead. Like I hate taxes. I love taxes. I believe that taxes are such a beautiful way for us to pay to be in this incredible country. But you better believe I don't want to pay a penny more than I need to. So really figuring that out just a little bit about her is she is got a dual master's degree in business administration and taxation, which is super rad because   Let's be real, she gets the business side of it. She gets the taxation and we were chatting before and she was like, what people make like their top line revenue versus their take home pay are two different things. And I was like, amen sister, preach on. She's enrolled agent, NTPI fellow and certified tax strategist. She also is the author of advanced tax planning for medical professionals. She specializes in high level strategic tax planning and multi-state tax preparation for healthcare professionals and business owners. She's raised in a family of physicians and married to one.   She empathizes with the financial challenges medical professionals face. This personal connection inspired her to create accessible, unbiased tax solutions tailored to their busy lives. Driven by passion and guided by cerebral thinking, Alexis forms Cerebral to help professionals keep more of their hard earned money. Amen sister. That's what we want. That's why you're here. Their approach breaks the mold of traditional financial advice, offering a unique perspective for medical professionals and business owners. So while yes, she's not 1000 % dental guys were in the healthcare world and she's so brilliant. So Alexis, welcome to the show today. How are you?   Alexis Gallati (01:54) Thank you so much for having me. I'm doing very well. Hope you had a wonderful holiday season.   The Dental A Team (01:58) Yes, likewise. And I was so excited when I heard that you would be a guest on our podcast. I geek out about this, Alexis, I know it's like our first day meeting, but ⁓ I just think the world of tax is such the game of monopoly. And I'm like, if you would have just told me that rule, I could have played and won the game better. But I feel like it's always as ever changing, ever evolving. And I know there were some big things that happened in 2025 that are impacting like our our taxes. And so, yeah, definitely a timely and   exciting podcast to throw out there. So Alexis, I know I gave you a very welcomed ⁓ bio and intro, but yeah, tell us a little bit about who is Alexis. You're married to a physician. You're in this world of tag. How does one become obsessive about CPA? I'm truly just curious. How do you like, how does this happen? How did you become this?   Alexis Gallati (02:49) Yeah, so I love law and I love money. And so when I was in undergrad, I took a tax and accounting class and loved more the tax side than the accounting side, I do admit. And so after meeting my husband in college and us starting to go through that full medical journey, was about a year and a half out from him.   The Dental A Team (02:54) you   Alexis Gallati (03:18) from him finishing his residency. And I really saw the writing on the wall. Even at that time, with him being in residency, about four months of his salary was going towards taxes. And I was like, that's not right. That's not right. With   The Dental A Team (03:36) No.   Alexis Gallati (03:38) hard he works and how hard   medical community works in general. ⁓ my gosh, that's not right. So that's when I really dedicated myself to   finding out, why do the Warren Buffets and the Bill Gates of the world have this really low to sometimes non-existent tax bracket? And I really dove into that tax planning. ⁓ And so, you know, what's very unique about, ⁓ you know, the way that I work and my business is that my husband and I are in the same exact position as majority of our clients. And so, yes, I'm looking for   strategies for my clients, but I'm also looking for those strategies for myself.   The Dental A Team (04:19) You're like, hey,   it's me. I'm going to help myself out. I'm very motivated to do this.   Alexis Gallati (04:25) Very motivated. And I love it. I love it. It's like you said, it's ⁓ Congress keeps us on our toes, changing the laws consistently year after year. ⁓ it's like a puzzle. Like, hey, how can I just keep more of what I'm earning?   The Dental A Team (04:43) Yeah, and I, this is what I get obsessed about. what I learned, gosh, it's like, I was so naive when I started the company. was like, marketing is marketing. I just need to hire a marketer they can do everything. And then I was like, oh, there's a content marketer. There's a copywriter marketer. There's a strategist. There's a growth marketer. There's like an AEO marketer now. There's an SEO. Like you guys, this thing is like a web. They're a content marketer. And then I started realizing it's similar to CPAs and financial planners that like,   I thought you hire a CPA, Alexis. Like I'm so naive to business. I'm shocked that I've made it this far. Like truly I'm proud of like the journey we've been on, but like not all CPAs are created equal. And then I realized like CPAs play by different rules. Like it's the same rule, but there's shades of gray. They're how comfortable are you with this and how uncomfortable are you with it? Like there's one CPA that told me like, here, you can totally go skiing in Tahoe. Just like put your logo on your skis and you can totally ride it off and like put your logo on your boat and you can ride it off.   And then there's like the Alexis of the world was like, oh, hard pass. No, you're going to like totally get flagged. But I'm like, what rule is right? And so I realized that there are, like you said, tax strategy and for higher wealth earners. I do believe that there's a game, like you said, how did the Warren Buffett's, how did the Bill Gates, like they're not paying this. And then you get into the real estate game and you get into all these other things. You're like, how can we do this? And so Alexis, I'm just jazz. This is me being nerdy. And I'm going to ask you a bajillion questions and I can't wait.   to learn. So let's kind of talk about most of your clients, what's the size of take home net pay that they do. So that way we know like what brackets were in. So that way right clients come to you. I also learned not all financial advisors take all people. I was like, I make 30 grand. They're like, great. So we're going to help you out just a little bit. And then like, when you get to this level, we'll chat with you. ⁓ tell us kind of that. And then let's dig into how do we keep more money, Alexis, legally.   Alexis Gallati (06:10) I love it.   The Dental A Team (06:39) I'm here for legal advice. I'm willing to go gray, but not go to jail. So that's my line. So as long as we're on the same page, I think we are, I'm here for it.   Alexis Gallati (06:40) Yes.   Definitely, yeah. I am more than happy to play in the gray areas. We just have to feel comfortable defending it in an audit. And so that's our line in the sand. ⁓ But yeah.   The Dental A Team (06:55) Mm-hmm.   She's like, this is why I went to law guys. This is why I like the law side and the CPA.   I like it. I like your style. It's so unique and I just am excited. So, okay, I'm ready.   Alexis Gallati (07:07) Yeah.   Yeah. at Cerebral, we work with those that earn at minimum $400,000 per year in taxable income. So we have lots of businesses, which by the way, 99.9 % of our clients are medical professionals. I think we have like maybe two clients that have zero ties to the medical industry. And so the practices we work with, you know,   generally range from anywhere from maybe about $700,000 in gross revenue all the way up to eight figures. So we tend to not work with those that are larger practices, that usually over 50 employees. And that's just because once you get above 50 employees, yeah, it changes quite a bit. So we're definitely in there with those smaller to medium sized practices.   The Dental A Team (07:56) Tax co-changes. Yep.   Amazing. No, that's super helpful. And I know we were talking before, like the average of your clients, about 700,000 like net pay is typical where you guys are at. You have some that are higher, but that minimum of 400,000, which is great because I do think that there are thresholds. ⁓ And I did learn through going through business that who Kiera needed as a tax support and advisor when I was in that 30,000 range compare and as a business owner, I thought it was so funny.   Gosh, taxes, like they hurt so bad sometimes. Like, whoa, easy come, easy go. Like I've never, I've always been a W-2. So that was such a fascinating world for me. But yeah, let's dig into some of the things you've seen for the medical world. Cause I know I have friends that were physicians and they're really big on real estate. And like I took the real estate Kool-Aid and I'm just like, is this really real? There's gotta be easier ways than doing this. And so I'm just jazzed to kind of go through what are some of the things we can do now before April 15th.   What are things that we can do even past April 15th to set us up for great success for 2026? So Alexis, this is your show. I'm just excited, kind of riffed us through it. Of course, I'm gonna geek out and ask probably about way more questions than you care to even be asked, but I'm really excited to learn more today.   Alexis Gallati (09:20) Yeah, great. Well, yeah, I hate to be a little bit of a Debbie Downer in the beginning and that when your past December 31st, ⁓ the number of tax strategies that are available to you are before you actually go to file your tax return are limited. It's just the nature of the code.   The Dental A Team (09:37) I agree. was super, when you were   like, what are the tech? I was like, I want to know because most of the times like when the clock strikes midnight on December 31st, it's like game over and we start again. But yes, which is why I want to know what are like the small ones, but then also Alexis like, let's set our listeners up for like, what things can they do this year to be better prepared for it in conjunction? So yes, before April 15th, but selfishly I want to know what else can I do this year that maybe I haven't thought of.   Alexis Gallati (09:52) Yeah.   you   The Dental A Team (10:06) because the clock hasn't struck midnight in 2026. So like we've got time. So yeah, for 2025 filing, but also for 2026 as well.   Alexis Gallati (10:09) Yeah.   Yeah, so let's talk about 2025 filing first. Especially if you're a business owner, there are actually a number of things that you could still put together for yourself that can impact your 2025 financials. ⁓ So even basic things like if you haven't been taking advantage of your home office deduction or ⁓ vehicle expenses ⁓ and unreimbursed business expenses. So those are expenses that you paid   personally, but our business expenses. So all of those items, you can still go and report on your 2025 return. So if you haven't taken the time to sit down and say, how much should I pay in my home utilities or insurance, repairs, et cetera, and take the percentage. So let's say your home office is 7%.   of your total square footage of your home. Well, then you can write off 7 % of your home expenses on your taxes. the treatment's a little bit different depending upon if you're a sole proprietorship or an S corporation. But in general, you still have that time to take advantage of that. And a lot of you might be like, oh, Alexis, it's such a little amount. I don't even know if it's worth it. Believe me.   All these little things can really add up together. And easily, I usually see between $10,000 to $20,000 of really ⁓ easy to grab savings for yourself if you just take even a few hours to gather all the information. ⁓ And you can even use ⁓ personal financial apps like Monarch Money or You Need a Budget, things like that to help.   organize that information for you throughout the year so it's a little more automated.   The Dental A Team (12:10) Yeah, that's amazing. I do love the YNAB. You're throwing me back to like pharmacy school days of you need a budget. I was like, oh my gosh, got to answer this every time. They have updated so much, but I love that you said like 10 to 20 grand, I think is worthwhile, but more than it being pennies or dollars, I think it's the discipline of having it prepared for next year too. So that way we don't, I think it's like, well, it might not be enough this year, but I'm like, you take that this year and we compound over the next year and the next year and the next year. I think these little things to me at least,   Alexis Gallati (12:15) Ha ha ha.   The Dental A Team (12:41) Like I said, it's their game of monopoly. And I'm like, okay, maybe I didn't get it that time, but I'm going to take that rule and I'm going to apply it this year and the next year and the next year. So I'm even taking notes over here, guys. So Alexis, if you see me, I'm writing it like, okay, I'm going to check in on that, check in on that. So make sure, make sure that they're being taken into consideration because I don't prep my own taxes. I don't even know half the stuff. Like they just tell me. So I also think being a good steward as well and always double checking your CPA to make sure like, are we maximizing every deduction we can?   Alexis Gallati (12:53) Good, I like it.   Of course.   Yeah. And being proactive is like you said, the number one thing because the IRS can deny deduction if you don't have that itemized receipt or you don't have the proper documentation. And 99 % of any fight with the IRS is that documentation. And I did a three year fellowship in IRS representation. So I'm obviously very focused on that tax savings, but also very focused on making sure   that everything's set up properly. So if the IRS were to challenge it or even the state, you're in good hands. then that way, you can just give them the stuff and say, go away.   The Dental A Team (13:51) Exactly. And I heard somebody once tell me, they're like, Kiera, it's not a matter of if I'll be audited, it's when. Like every business will most likely be audited at some point. I hope and pray like we're not. I think about that a lot of like cross my T's, dot my I's, make sure that I'm constantly trying to be compliant with things. But your wealth of knowledge on that Alexis of what things and how to become, I mean, shoot three years of IRS. Girl, you got my vote. That's impressive. And like love the love the authority piece that you're bringing to our podcast today.   Alexis Gallati (14:20) Thank you. Thank you. So some other things that you're able to do before you file that tax return, and this is a big one, is retirement. So you actually have until the filing of a tax return, and that includes extensions. So for example, if you're an S corporation or a partnership, have the original due date, which is March 15th, or the extended due date, which is September 15th, to go and   open and fund that retirement plan. So if you have employees, it can get obviously a little bit more complicated, but you still are able to do it and ⁓ do that employer contribution. And that's obviously really one of the lower hanging fruits when it comes to not only tax savings, but also wealth generation.   The Dental A Team (15:12) Yeah, no, I love that. That's a great idea. And I think a lot of people miss that. And again, CPAs, tax strategists, wealth advisors, they're all playing in their own lanes, but how can we make sure all of them are maximizing together? Because you as a human are trying to build that wealth. So I love that.   Alexis Gallati (15:30) Yeah. And don't forget as well, you know, kind of in the same vein as retirement is that health savings account. So if you had a high deductible plan throughout the year, but maybe your employer didn't actually provide a ⁓ health savings account, like so if you're a W-2, for example, or even if you're self-employed, you can still go open up your   own Health Savings account through, I think Fidelity has some, ⁓ Optum Bank, HSA Bank. So there's a whole bunch of different providers out there. can just Google and find the provider that works best for you.   The Dental A Team (16:07) Interesting. And I know like I just wrote that down because a lot of dentists don't have HSA. Like we are the providers for it. But hearing that that might even be a resource to attract people into your business if you were able to like, don't necessarily provide it, but these are some companies that we could help our employees get if they wanted to have an HSA because I know that that's something that my husband works at a hospital. So there's an HSA there, but as sole proprietors and S-Corps, a lot of times they aren't provided. That's actually really like, I think just a great tool and resource to   possibly provide to our employees, depending upon what it looks like for your business.   Alexis Gallati (16:40) Yeah, definitely. And then one other thing that you ⁓ may be able to do, depending upon your state, ⁓ to help with state taxes, is go and contribute to a 529 plan, which is for education for yourself or other dependent. And some states like Georgia, Indiana, Michigan, South Carolina, there's a number of them. They allow you to make that contribution all the way up to the   filing of the tax return.   The Dental A Team (17:13) Interesting. I did not know that I wrote that down. That's fascinating. I love this. This is like so fun. Keep going.   Alexis Gallati (17:20) Yeah. Yeah. So that, you know, is, a good, especially for, you know, higher earners. ⁓ that's kind of a good summary of what you can be doing before this, ⁓ April 15th or even the extended due date as well. ⁓ but when you start looking into 2026, who, that book, that book opens up, there is.   The Dental A Team (17:39) It does, right? It's like the   monopoly Bible. Like it's so big. Like how do I play the game of taxes? So I truly, and I think like for all the listeners, like the home office, the HSA, ⁓ retirement, the 529 plan, like there's still time. So go look at those things. And even if you can't contribute or do those things now, having that set up for next year, like, Alexis, truly, I'm like, I'm getting the popcorn. I'm getting my notepad. Like,   I am so excited because half these things I haven't heard of. And so it's very fun to just hear different perspectives. And I do love that you've got a legal background too. I love that you're in IRS. I love that you're in medicine and healthcare and like for your own personal savings too. It's like you're the Nancy Drew of like, how can I do the most amount through all of this? It's a very fascinating perspective you bring today.   Alexis Gallati (18:27) thank you. I appreciate that. yeah, when obviously when you are a W-2 employee still that your options are not as open for those that have a business. But ⁓ besides obviously retirement HSA that you can do all year, one thing that a lot of W-2 employees forget is to actually check with your employer to see what their reimbursement policy looks like.   The Dental A Team (18:29) course.   Alexis Gallati (18:55) because if you're maybe in a private practice with a large group, and I mean, these could even be groups that have sometimes hundreds of physicians in it, or even if it's just a hospital system, they'll have actually pretty generous reimbursement policies for things like your CME, your new loops, or going and   doing your mileage in between different hospitals or clinics, things like that. So making sure that you are keeping track of those things. Obviously, if you're a business owner, you definitely want to keep track of those. But some of my favorite for those that own their own practices, my absolute favorite is hiring your kids.   The Dental A Team (19:36) Of course, yeah.   Alexis Gallati (19:48) It seems so basic, but believe me, there are definitely steps in place that have to be done in order to make sure they ⁓ qualify. for me, the ⁓ court tested age is seven. So I usually don't recommend my clients going and hiring their kids until they're at least that age. You can do it younger, but the old my kids are models strategy is kind of ⁓ antiquated now just because ⁓   everybody has these great cameras now on their phones. And so it's kind of devalued, being a model ⁓ for those that aren't professionals basically. ⁓ But that's a really great way to shift income from your higher tax bracket down to their non-existent tax bracket.   The Dental A Team (20:21) Totally.   Right?   Alexis Gallati (20:40) and you can then put that money into a Roth IRA for them. And if you do that, let's say over like a 10 year period in 2026, that amount is 7,500 is the max you can put in. They're easily, by the time they're age 65, gonna have at least 2 million plus dollars in savings. So it's a really great way to create a legacy for your kids and give them a little headstart.   The Dental A Team (20:48) Mm-hmm.   Yeah, that's amazing. And I think so many people are like, I don't know how to help my kids with college or different things like that. And it's like, these are great ways to prepare them for the future for when they retire for things like that. I mean, how awesome I know a couple of ⁓ doctors because   The bulk of our audience, Alexis, are not W-2 earners. They are self-employed, like dental practice owners. ⁓ But I know that there were several that didn't tell their kids that they had done this for them. And then the surprise when they graduated college of, we've been putting this into place for you. I mean, shoot, that money's going to go to the government or to your kids. Why not invest in your children? You're going to pay that money regardless. So ⁓ definitely think that that's such a brilliant idea. And I've heard people, they're like,   their real job, like they have to have a real job. They're like a paper shredder. Like they like literally shred the paper or they open the mail or they like pick out the cards or they pick out the toys for the prize boxes, like actual legit jobs that they employ them for. But I think what an amazing gift and legacy to give your kids as well.   Alexis Gallati (21:51) they   Yeah, exactly. All four of my children are, obviously cerebral isn't a dental practice, but they're hired through cerebral. So that way they are earning enough to put that money into their Roth IRA. ⁓ And a lot of ⁓ my clients are like, man, I don't know what my kids can do. And like you said, there's a lot of admin work that they can do. Even a seven-year-old can.   like you said, shred paper, stamp envelopes. They can help with doing their ABCs and filing things away if you're an older ⁓ practice owner and they have ⁓ still the paper file system. ⁓ yeah, it really is a wonderful way to not only teach responsibility, but also to save. ⁓ I highly recommend ⁓ doing that. And even if you have parents that you financially support, you could even   The Dental A Team (22:45) Yeah.   Yeah.   Alexis Gallati (23:02) go and hire your parents through your practice ⁓ and write off their support. Of course, again, they need to also have a legitimate job in the business. with parents, you have to be careful if they have any benefits like social security or Medicare. Then you just want to make sure that you're not pushing them out of those benefits because of their income ⁓ or making any part of their social security taxable. So that takes a little bit more. ⁓   finesse than hiring a child.   The Dental A Team (23:36) No, that's great. That's a really good idea too, because I hadn't thought about parents. I have heard about children, but you're right, parents are retired. And if there's ways that you can support and give back rather than like, again, I love the government. I am happy to pay taxes, but if there's ways that I can support my own family, ⁓ I think it's great because I'm going to pay that money anyway, but paying it to people that I love and care about is really a great idea.   Alexis Gallati (24:00) Yeah. Another popular one I'm sure that you've seen on TikTok or other social media is the Augusta rule. ⁓ and this is where you're renting your home to your business. ⁓ and this is perfect example where documentation is absolutely critical. ⁓ but basically what happens is you rent your home to your business for 14 days or less. Those days do not have to be consecutive and your business gets to   The Dental A Team (24:07) Mm-hmm.   Alexis Gallati (24:28) right off the cost of that rent. So obviously lowers your taxes. But then you as the individual do not have to pay tax on that rental income. Now, if you do it for 15 days and you've ruined the strategy and you have to pay tax on all 15 days. So that's really important you do 14 days or less. But this is again a really great way if you have monthly board meetings, that's 12 days right there.   Or if you have employee parties, if you have colleagues over in discussing business, though, as long as you have a rental agreement in place between yourself and your business, and you document through meeting minutes everything that occurred during that event, then that is the documentation that the IRS would need in order to substantiate that.   strategy. And obviously a reasonable rental rate as well.   The Dental A Team (25:27) Yeah, no, didn't realize,   I did not realize that you needed a rental agreement. Can you expand more on that? like we check all the Airbnb's and the VRBO's in the area to see what does our house actually go for and like keep that documented every single year and then have an actual agenda and like have it in the calendar. So it's in our Google calendar. It's got an agenda. It's got a PDF didn't attach. But how does the rental agreement work? like, yeah, how do you, I didn't realize that that was a necessary piece to it.   Alexis Gallati (25:57) Yeah, so you can even just use ChatGPT to create it. ⁓ But essentially what you do is it's just that agreement between the business and personal. So ⁓ you just want to think about it like any other rental that you would do. If you were to go to a conference room in a hotel, for example, or go rent that Airbnb, you're going to be signing some sort of agreement saying that this can happen.   that this event can happen on this date. ⁓ you can either do one agreement for the entire year, spelling out like, here are the days that we're going to be doing these things, ⁓ or you can have an agreement for each time that it happens.   The Dental A Team (26:43) Very cool. That's super helpful. Yeah, I do love the addresses for all anything people. And I mean, I've had CPAs and like, don't go crazy. Like that's where I say like check Airbnb, check VRBO like what you think your house is worth versus what market value says your house is worth. Like, let's make sure that we are accurate on that. But yeah, that's definitely an amazing one that I think is great for offices to surely do.   Alexis Gallati (26:51) Yes.   Yep. Go and get two to three comps. So then that way can just take an average. I feel like that's a very safe way to, ⁓ show reasonableness. You're not just like, Hey, I'm taking the highest one on the block. You know, it's taking a few of them.   The Dental A Team (27:21) Totally. No, definitely agree. I love that. Okay, Alexis, what other ideas? know we're, I'm like just like sitting here. I'm like, I love this writing it down. Great ideas. What are some of the ones that like, yeah, anything else that's going to save us? Um, because like taxes are taxes and we are going to pay them, but like, what else can we do to, like you said, Bill Gates or, um, like Warren Buffett, what are the things that you found for like these higher net worth earners? Like, do they need to get into real estate and like use the big, beautiful tax bill or like,   Alexis Gallati (27:23) Yeah.   Okay.   The Dental A Team (27:50) anything else that you've seen that like really moves the noodles or is like, no, just the small consistent things are really going to help them out.   Alexis Gallati (27:57) Yes, well, they all help out. ⁓ But if you are looking for more of that, hey, Alexis, what's like Hail Mary that I can be doing to act to really save? ⁓ You can look at real estate. ⁓ That could be a whole podcast by itself. ⁓ But in general, you you tend to ⁓ get into real estate when you're not talking about like reets or things I can do through the stock market.   The Dental A Team (28:14) Right.   Alexis Gallati (28:26) ⁓ You're either doing like real estate syndications, ⁓ direct ownership, like long-term rentals or short-term rentals. And ⁓ each of those are treated differently and have different ways of making that ⁓ a tax deduction for yourself. So when it comes to, in general, ⁓ real estate syndications, this is where you're   The Dental A Team (28:49) Mm-hmm.   Alexis Gallati (28:54) buying into a partnership that maybe owns an office building. And you go in with other partners and ⁓ it's syndicated. So it's very passive. There's no way for you to write off any losses in that current year. ⁓ When it comes to direct ownership, the IRS basically says, hey, that real estate is considered passive unless you have real estate professional status or you do that short-term rental   deduction or excuse me, short-term rental exclusion. And so what ⁓ happens if you can qualify for the short-term rental exclusion or real estate professional status is that those what would have been passive losses that you can't use against your current income will be considered active losses. And then you can use it against your   active income, when I say active income, things like your W-2 or your business. So you're getting a current year deduction from that. And you can do cost segregation study to help accelerate depreciation. ⁓ So this is very, very much in the nutshell sort of explanation. ⁓ But it can really be a great way to lower your taxes if   The Dental A Team (29:57) Mm-hmm.   Yeah.   Alexis Gallati (30:16) you essentially want a second job. Just know that real estate is not as passive as the social media gurus go and ⁓ try to glamorize. It really does take a lot of extra work. You want to make sure that you are following the rules properly so that you can get that tax benefit in the current year. ⁓ But if you   The Dental A Team (30:19) Yeah.   Alexis Gallati (30:41) do have that prerogative and you want to learn and get do things properly, then it can really save you quite a bit of money.   The Dental A Team (30:48) Yeah. Are there any other things, Alexis, that are like real estate that save that much but don't require that much work? I'm asking you for the weight loss drug of taxes, please. What's our easiest way with the most amount of bang for buck that you've seen? These are the big hits that if you want, because agreed, real estate's great. If you do that short-term thing, but it is a lot of work. With the big, beautiful tax bill that came through, that 100 % depreciation is pretty fantastic. But like you said,   Alexis Gallati (30:54) Yes.   Mm-hmm.   The Dental A Team (31:17) got to have it rented out, you got to have the pieces, you got to like reno it like there are and you have to have it done by the end of the year and like it's a stressful zone. ⁓ So are there other things that you've seen that might be like 50 or 100 or 200,000 off taxes that aren't necessary real estate? The Augustus one, yes. Like paying people, there's things but is there anything else you've found that are like some of those bigger chunks that maybe people don't think about they don't recognize? Yes of course they're going to take a little bit more work but...   Alexis Gallati (31:17) You gotta work for it.   The Dental A Team (31:45) that you found that could be benefits to our audience.   Alexis Gallati (31:48) OK, so let's talk about my Hail Mary for tax savings. I   love this one towards the end of the year because you're going to want to know, have a good idea of where your tax situation is going to end up. So I use this a lot for year end planning. And this is oil and gas. When you ⁓ invest in oil and gas, again, just like with real estate, there's a lot of different options.   But my favorite is our drilling funds and this is where you invest in a partnership that owns oil and gas wells and these this allows you in that first year to Essentially write off usually somewhere between 80 to 95 percent of the investment that you've put in So let's say you invest a hundred thousand dollars Then you're getting about and let's say conservatively an eighty thousand dollar deduction that can go a   against your ordinary income. So if you're W2 or your business. usually, a good rule of thumb is that, let's say, if you're putting in $100,000, you're saving $30,000 in tax. You're putting in $200,000, you're saving $60,000 in tax. And then after year one, you're earning overall, during the life of the investment, about a 2x   The Dental A Team (33:10) Bye.   Alexis Gallati (33:11) you put   100,000, you're getting about 200,000 back. And so it's considered a very conservative investment. And just because the length of the investment, and this is one of the cons of it, is that it's usually about a 10 to 12 year period. So it's generally only about a 7 % return on investment over the life of the investment. the great thing about it is that   you let's say if you did put in that hundred thousand, you're getting that 30,000 in savings, and then you can go put that into something else that will earn you even more money. So then this is something that you can do every single year. And, you know, just depends on how much money you want to save and so that how much you put in for that investment.   The Dental A Team (33:57) Gosh, that's such a good one. And these are things of like just fun, like tips and topics. Like I said, it's the rules of monopoly. I caught like, how do we play tax strategy better? Alexis, what are any like resources? I feel like you guys have some resources. Like I feel the world of tax is so daunting. And so it's like, we hear from podcasts and we hear snippets and we see TikTok and it's like real estate games. like, where do people go if they like want to dig a little bit deeper and really become like more tax expert and more tax savvy and.   like tax strategy, like what are any resources you found or ways for people just to become a little bit more literate in the tax world.   Alexis Gallati (34:33) Yes, so ⁓ of course I'm to do a little shameful plug. My book, The ⁓ Advanced Tax Strategies for Medical Professionals, it's really just that it's a brain dump of all different types of strategies, whether it's for your business or W-2 only, charitable, these alternative investments. And so it's really a space.   The Dental A Team (34:36) as you should.   Alexis Gallati (34:58) for readers to learn more about their options. So then that was the way they can go online and do more research or bring it to their current advisor. So, you know, it's just about opening those possibilities. Otherwise, you know, one resource that is really great for especially medical professionals is the White Coat Investor that Dr. Dali, he has a wonderful, wonderful site and he puts out really good material.   The Dental A Team (35:11) Yeah.   Alexis Gallati (35:25) when it comes to not only taxes, but also for ⁓ just finances in general. And then, of course, on ⁓ CerebralTaxAdvisors.com, our website has wonderful ⁓ material that I put out all the time. There's lots of goodies there, as well as ⁓ different resources and worksheets and stuff like that.   The Dental A Team (35:52) Yeah, no, that's super helpful.   But Alexis, what do you find ⁓ as you go through this? Like one, how often are you meeting with your clients? Because I feel like so many CPAs and tax strategists meet with them in like December 1st and they're like, hey, you owe this much money. Is that how you guys plan? Like how should tax planning actually work?   or is that normal? Like I'm just trying to find a vibe of how this should work in the industry.   Alexis Gallati (36:15) Yeah.   Yeah. So when a medical professional first starts working with us, I design a tax plan for them. And that's really critical because right then and there, OK, what can we be doing to dramatically lower your taxes, legally, of course, and set you up for success? And then we meet with our clients at minimum twice a year. So we do a mid-year tax projection and a year-end tax projection.   The Dental A Team (36:34) course.   Alexis Gallati (36:45) And especially with medical professionals, your income is so variable throughout the year, depending upon insurance reimbursements or seasonality and things like that. And so we really want to make sure that we have a good, clear understanding, good six plus months in advance. Hey, what are you going to be owing tax wise? What does cash flow look like? What quarterly estimated payments do you need to make?   All of these things should not be a surprise. So that's why when I built Cerebral in the packages we have, I was really focused around how do we eliminate those surprises.   The Dental A Team (37:23) Yeah, no, I love that. that's super helpful because I feel like so many just wait till December and it's like, no, like there's things I could have been doing and if I would have known. So that's super helpful. And then I think the other question is like, okay, you guys are tax strategy. Are you CPA? Are you bookkeeping? Like kind of differentiate. Are you in the financial advisor world? Like what specifically would we say I need you for XYZ, but I'm going to need these people again, like marketing, right? Like what facet of my wealth management are you?   and who do I need paired with you?   Alexis Gallati (37:54) Yep, so we are your tax compliance, tax planning, your bookkeeping, and CFO services, and also business advising as well. So we're able to set up entities for you ⁓ as well as provide ⁓ just a lot of the years and years of experience that we have in running businesses and seeing different types of practices, et cetera. ⁓ We are not investment advisors, so we won't   say, buy Coca-Cola versus Pepsi. But we will introduce you to different investments that have tax benefits. And one very unique quality of Cerebral that's very different from other firms is that we do not take any commissions or kickbacks on any strategies we recommend or vendors we recommend. And we don't sell any products. So we're very education-based. I'm very focused on   you understanding your options so you can make a educated decision on what you want to move forward with. And then we are a white glove done for you firm that will implement those strategies on your behalf and make sure they're reported properly on your tax returns. Because that's what we've found being in this industry, especially specializing in medical professionals, is there's a lot of people out there that know about these strategies.   but they do not know how to implement them properly. And that honestly is 80 % of the fight when it comes to doing any of these strategies.   The Dental A Team (39:26) Yeah, no, that's incredible. So, and again, this is just like naiveness on my side. Do I need a CPA or are you guys the replacement of a CPA?   Alexis Gallati (39:35) Yeah, we're the replacement of CPA. We are CPAs. We are EAs. So we are taking care of your tax preparation, so personal and business. We do it all. I try to keep these packages as comprehensive as possible because I hate being nickel and dined. communication's a top priority for us. And so we don't want our clients to hesitate whatsoever to connect with us. And so that's why we don't.   The Dental A Team (39:56) Totally.   Amazing.   Alexis Gallati (40:05) shot like I, my gosh, I just got like a bill from my attorney the other day and it was for stuff that I talked to him about like in August. I'm like, I hate those pop-up bills. So that's yeah, that's, why I try to make it as comprehensive as possible.   The Dental A Team (40:10) Yep.   Right.   Awesome.   No, that's fantastic. That's really helpful. And I know a lot of people are very nervous to switch from their CPA. CPAs, feel like we're so embedded and we trust them with our souls. Truly, I see this. ⁓ So is there complementary calls we have with you? how do we start with that? Because I know, honestly, untangling from a CPA is such a pain. It is so annoying. so ⁓ how does that process work if people want to work with you, Alexis?   Alexis Gallati (40:46) So the best thing you can do is go to our website and go to the contact page. And you will ⁓ go through a very quick questionnaire to make sure that you're a good fit for us, because we also want to make sure we're a good fit for you. And we will ⁓ have a tax discovery session. And during that session, we will. We'll talk about what your needs are and what it's like to work with us. ⁓ I'm very focused on that return on investment. We actually have a guarantee.   with the design of our plans that I will save you at least two times what you pay us in ⁓ tax savings or you get the plan for free. And on average, our clients actually achieve 4.5 multiple with the design of our plans. So again, it doesn't make sense for us to work together if I can't save you more than what you're paying us.   The Dental A Team (41:39) That's amazing. No, that's incredible. And that's a great guarantee. And ⁓ then let's say hypothetical, we do get audited. How often do you guys go through audits and like success rate? Like I'm imagining if you were three years in IRS, you're probably pretty fantastic at that. But these are always things that I'm just curious. Like how does that work? And how often are your clients audited? And like, how is your success rate on that? And if you don't want to share this, I hope you do. We're just going to go for it. Like, yeah, I'm just going to ask the weird questions. Why not?   Alexis Gallati (42:01) Yeah.   I love the weird questions. They're the best. So yeah, that's one thing I can never guarantee that you won't be audited because of course there are always random audits that happen. We've only had three audits since I started Cerebral over 10 years ago. In 2014, I started Cerebral. ⁓ And ⁓ one of them was for the mortgage interest deduction. there's a limitation in that.   The Dental A Team (42:18) It's incredible.   Alexis Gallati (42:28) Um, and that was just, unfortunately, a client had not provided the correct information. And so we were easily able to just change it and be on our way. Um, and then another two were regarding actually real estate professional status. And that was just New York state saying, Hey, like we don't, we don't think that you're actually qualified for this. we're like, Oh, yeah, we do. Here's the paperwork. And they're like, Oh, okay. See you later. So yeah.   The Dental A Team (42:50) Yeah.   That's amazing.   That's a huge thing. And I'm so glad I asked the question because I think for me, that's something I'm curious on of like, I get it. Like you said, you can't guarantee that, but as long as you back in, do you guys charge extra for those audits or is that part of the plan? Like, nope, we stand behind it. Like, how does that work? Cause I know there's some firms that I have chatted with and if we do get audited, it's like 375 an hour for the audit. And I'm like, okay, like I'll just plan for that. But how does that work for you guys?   Alexis Gallati (43:18) Yep, so we back up all of our work and all of our packages. If you do receive a notice for anything that we prepare, you send it to us and we help you take care of it. So yeah, we 100 % back up our work. If you come start working with us and you have some a notice from a year that we didn't handle, like we didn't prepare, we'll still help you handle it. But that would be just.   at our hourly rate, depending upon the extensiveness of the notice. But to go back to your original question about making that change, I 100 % get it, especially if you've been with somebody for so long. And so you just have to look at that cost benefit and see, hey, staying with this person, how much is that costing me in tax savings versus   The Dental A Team (44:01) Right.   Alexis Gallati (44:12) going with somebody like cerebral and we try to go and make that process as seamless as possible when it comes to getting ⁓ up to date in your history and then ⁓ getting access to your bookkeeping and getting your tax returns. ⁓ And so, because I completely understand it can be daunting, but. ⁓   Happy to have a conversation around it when we meet about the discovery session and to see if it's something you'd want to move forward with.   The Dental A Team (44:43) Amazing. Alexis, has been such a great podcast and I just love meeting great individuals. I love how much you have a passion for the law and for the tax wealth and it's your own life and your own livelihood. So if people want to reach out, I know you said it before, how do they connect with you? So yeah, they can get started if they're interested.   Alexis Gallati (45:01) Yeah. So you can Google us or just go to CerebralTaxAdvisors.com. And which by the way, the reason why I have cerebral is because my husband is a private practice neurosurgeon and my dad's a retired private practice neurologist. hence cerebral in the brain. So if y'all can remember. But yeah, so CerebralTaxAdvisors.com is the best way to get a hold of us.   The Dental A Team (45:14) There you go.   I love it. Yeah.   Alexis Gallati (45:27) ⁓ And I look forward to potentially talking with y'all.   The Dental A Team (45:32) Well, Alexis, thank you so much for this. And for all of you listening, I hope you take advantage between now and April 15th. I hope you just like have a conversation. I'm always pro. I love CPAs. My CPA listens to this podcast and I'm always interested in meeting new people like Alexis, chatting with them. Are there different ways that they can benefit me? Because yes, I love my CPA, but I love more than that saving money and learning new strategies that maybe I didn't know about. So Alexis, I really hope a lot of them reach out to you, connect with you and for   All of you listening, thank you for listening. I'll catch you next time on the Dental A Team Podcast.  

When it comes to serious health issues like obesity, heart disease, and cancer, Black Americans have higher rates and worse outcomes than most other groups in the U.S. It's a problem that's gained growing attention over the past few decades, as public health experts have worked to untangle the causes of these disparities, and to find ways of mitigating their effects. Now those efforts face serious headwinds, with federal funding cuts and pressure against DEI measures threatening to roll back progress. But in the face of these challenges, providers are doubling down on offering care that builds trust and delivers better outcomes. On this special production of The Pulse, we find out what that work looks like on the ground. From becoming an ally to patients to mentoring the next generation of Black physicians, we'll hear how providers are expanding access to quality care. We'll also explore how the birth of Medicare led to the desegregation of hospitals. Dr. Fatima Cody Stanford is changing the way we talk about obesity, and how we treat it. She explains why she got into obesity medicine in the first place, why she never gives her patients a goal weight, and how being invited to a patient's 90th birthday party was a great reminder of why her work matters. Pulse producer Nichole Currie gets into the kitchen with her aunt Gladys McLean to learn how to enjoy traditional Southern recipes while eating a healthy and nutritious diet. Physician, surgeon, and now-congressional candidate Ala Stanford gained national recognition during the pandemic, when she stepped up to provide COVID testing, and later vaccines, to underserved communities. She talks about how her own upbringing shaped her as a physician and leader —- and why increasing access and trust are key for better care.

In this video our experts analyze and educate you on what happened and why with fact based, data based, verified and researched expertise reporting. For free and unbiased Medicare help, dial (656) 218-0931 to speak with my trusted partner, Chapter, or go to https://askchapter.org/nez

Faith-based investing has expanded dramatically in recent decades. What began as a niche concept—often misunderstood or difficult to implement—has grown into a global movement driven by conviction, transparency, and a renewed understanding of stewardship. Today, new tools are opening fresh doors for Christians who want their investing to reflect biblical values.Among the most discussed innovations are exchange-traded funds (ETFs), which offer investors greater flexibility and access. To explore the growing opportunity, we spoke with Brian Mumbert, President of Timothy Plan and a long-time pioneer in Faith-Based Investing.From Idea to Movement: The Story Behind Timothy PlanBefore ETFs and portfolio screens were commonplace, Timothy Plan helped shape the language and frameworks believers use today to think about investing.“Back in the early 90s, Timothy Plan was really just an idea,” Mumbert recalls. “In 1994, that idea became a mutual fund aimed to serve non-denominational pastors. Our very first slogan asked, ‘How much is okay to invest in abortion or pornography?' And the answer is simple—none.”The motivation wasn't merely strategic—it was theological. It pushed Christians to wrestle with a deeper question: If God owns it all, how would He want us to invest what He has entrusted to us?Over time, what began as a single fund evolved into a broader conversation about alignment between faith, stewardship, and financial markets. Three decades later, Mumbert describes Faith-Based Investing not merely as a strategy, but as a movement—one that begins “with the heart” and calls believers to steward God's resources rather than treat them as their own.What's Driving the Momentum Today?While conviction hasn't changed, the landscape around investing has. Mumbert points to one factor in particular: information.“When we started, it was incredibly hard to access meaningful information about companies—what they owned, where they profited, or whether their business practices aligned with biblical values,” he explains. Today, the opposite is true. Digital media, public disclosures, and social platforms constantly reveal what companies support and how they operate.That transparency has awakened discernment. Investors are asking new questions: What am I participating in? What am I profiting from? Is there a better alternative?With more options now available—across asset classes and risk profiles—momentum continues to build.ETFs Explained: Why They're Attracting Faith-Based InvestorsAmong the fastest-growing vehicles in the investing world are ETFs—exchange-traded funds. For those less familiar, Mumbert offers a simple explanation:“ETFs hold a basket of investments and trade throughout the day like a stock. They generally offer lower fees, greater transparency, and the ability to buy or sell at any point during the trading day.”Mutual funds remain a valuable entry point for many investors, but ETFs introduce distinctive advantages:Lower average costsPassive, rules-based strategiesReal-time liquidityFull disclosure of holdingsEase of access across platformsAnd most importantly for Faith-Based Investing, greater transparency reinforces values alignment.What Sets Timothy Plan's ETFs Apart?While the vehicle may be new, the convictions behind Timothy Plan's offerings remain unchanged.“Every Timothy Plan product is pro-life and pro-family,” Mumbert emphasizes. “Our ETFs are screened and filtered the same way as our mutual funds. The convictions haven't changed—just the investment vehicle.”Timothy Plan also employs volatility-weighted strategies designed to prevent oversized company exposure, helping reduce the impact of major market corrections.A Growing Opportunity for Purpose-Driven InvestorsThe rise of ETFs represents more than access—it represents maturation within Faith-Based Investing. With stronger tools, better research, and expanding product sets, Christians now have more opportunities than ever to align their portfolios with their values.For Mumbert, that alignment is not merely practical; it's an expression of stewardship.“It's really about how God would have us invest the money He's entrusted to us.”As the ecosystem grows, so does the hope that more investors will embrace that vision—not out of obligation, but out of conviction shaped by faith.If you're exploring how to bring greater alignment between your financial decisions and your values as a follower of Christ, Faith-Based Investing continues to expand with new tools, new research, and more accessible investment vehicles. To learn more about faith-aligned investment strategies, visit TimothyPlan.com to explore their ETFs, mutual funds, and educational resources.On Today's Program, Rob Answers Listener Questions:I'm 60 and living off mutual funds with no income. My expenses are about $2,024 a month, so my savings will run out in about two years. I have health challenges and can't work, and Social Security Disability hasn't been approved yet. I'm looking for affordable housing options and Medicare/health insurance solutions.My wife passed away recently, and she handled all our finances. I haven't paid bills in 25 years and don't have a budget. I'm closing some credit cards, but I'm not sure what to do next or where to turn for help.I'm 66 and considering paying off my mortgage. We can afford the payments, but I could pay them off using less than 10% of my 401(k). Should I do that, or just keep making monthly payments?We can't qualify for Chapter 7 bankruptcy, and we're being sued for a loan tied to a vehicle that died. I'm not sure whether Chapter 13 or debt consolidation makes more sense once you factor in legal fees and total cost.Resources Mentioned:Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner)Timothy PlanOur Ultimate Treasure: A 21-Day Journey to Faithful StewardshipWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Recently,  a16z Bio + Health general partner Julie Yoo spoke with Nikita Singareddy, cofounder of Fortuna, and Florian Otto, cofounder of Cedar. They talked about why healthcare affordability is reaching a breaking point, how AI voice agents are transforming patient financial experiences, and what it will take to leapfrog decades of administrative burden in Medicaid—from 30-page paper applications to legacy technology systems built in the 1990s to the real opportunity for giving every American a "five-star healthcare experience." Resources:Follow Julie Yoo on X: https://twitter.com/julesyooFollow Nikita Singareddy on X:  https://twitter.com/singareddynmCheck out Fortuna: https://www.fortunahealth.com/Follow Florian Otto on X:  https://twitter.com/flottobrasilCheck out Cedar: https://www.cedar.com/ Stay Updated:If you enjoyed this episode, be sure to like, subscribe, and share with your friends!Find a16z on X: https://twitter.com/a16zFind a16z on LinkedIn: https://www.linkedin.com/company/a16zListen to the a16z Podcast on Spotify: https://open.spotify.com/show/5bC65RDvs3oxnLyqqvkUYXListen to the a16z Podcast on Apple Podcasts: https://podcasts.apple.com/us/podcast/a16z-podcast/id842818711Follow our host: https://x.com/eriktorenbergPlease note that the content here is for informational purposes only; should NOT be taken as legal, business, tax, or investment advice or be used to evaluate any investment or security; and is not directed at any investors or potential investors in any a16z fund. a16z and its affiliates may maintain investments in the companies discussed. For more details please see http://a16z.com/disclosures. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Roma Pithadiya is the President and Chief Executive Officer of Affordable Insurance and Financial Services (AIFS), a financial services and insurance advisory firm based in the Dallas–Fort Worth area of Texas. She is a seasoned financial professional and entrepreneur with extensive experience in insurance, financial planning, and wealth protection.Roma immigrated to the United States with limited resources and has built her career from the ground up, becoming a respected advisor to individuals, families, and small businesses in matters of health insurance, life insurance, auto and home protection, and long-term financial planning. She has been active in the financial services industry for well over a decade and is known for her deep commitment to client education and advocacy.She is also recognized as a Million Dollar Immigrant, a title reflecting her journey from starting penniless in the U.S. to achieving significant success in the insurance and financial advisory business.In addition to her executive role, Roma engages heavily in community service: she is active with the Lions Club, participates in senior citizen organizations, and serves on committees for cultural and religious groups. She frequently speaks on financial literacy and planning topics at national stages, including events hosted by CNN, the Harvard Club of Boston, New York Life, Nasdaq, and the MDRT (Million Dollar Round Table).Her expertise spans health insurance (including Medicare and individual policies), life and annuity products, retirement planning, and strategies for tax-efficient financial growth. Roma also works to empower clients to manage their finances wisely and protect their financial futures with well-structured, personalized solutions.Learn more: https://aifsgroupbyroma.com/Roma Pithadiya is not an attorney or CPA. Affordable Insurance and Financial Services does not provide legal or tax advice. Any discussion of financial strategies is general in nature and not a recommendation. Insurance and financial products involve risk and may not be suitable for all individuals. Licensing and availability vary by state.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/roma-pithadiya-president-and-ceo-of-affordable-insurance-and-financial-services-discussing-the-hybrid-approach-to-tax-free-retirement

Roma Pithadiya is the President and Chief Executive Officer of Affordable Insurance and Financial Services (AIFS), a financial services and insurance advisory firm based in the Dallas–Fort Worth area of Texas. She is a seasoned financial professional and entrepreneur with extensive experience in insurance, financial planning, and wealth protection.Roma immigrated to the United States with limited resources and has built her career from the ground up, becoming a respected advisor to individuals, families, and small businesses in matters of health insurance, life insurance, auto and home protection, and long-term financial planning. She has been active in the financial services industry for well over a decade and is known for her deep commitment to client education and advocacy.She is also recognized as a Million Dollar Immigrant, a title reflecting her journey from starting penniless in the U.S. to achieving significant success in the insurance and financial advisory business.In addition to her executive role, Roma engages heavily in community service: she is active with the Lions Club, participates in senior citizen organizations, and serves on committees for cultural and religious groups. She frequently speaks on financial literacy and planning topics at national stages, including events hosted by CNN, the Harvard Club of Boston, New York Life, Nasdaq, and the MDRT (Million Dollar Round Table).Her expertise spans health insurance (including Medicare and individual policies), life and annuity products, retirement planning, and strategies for tax-efficient financial growth. Roma also works to empower clients to manage their finances wisely and protect their financial futures with well-structured, personalized solutions.Learn more: https://aifsgroupbyroma.com/Roma Pithadiya is not an attorney or CPA. Affordable Insurance and Financial Services does not provide legal or tax advice. Any discussion of financial strategies is general in nature and not a recommendation. Insurance and financial products involve risk and may not be suitable for all individuals. Licensing and availability vary by state.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/roma-pithadiya-president-and-ceo-of-affordable-insurance-and-financial-services-discussing-irs-and-insurance

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Roger Whitney kicks off a month-long series on navigating health care before Medicare, introducing Cerberus—the three-headed dog of Greek mythology—as a framework for understanding the biggest challenges retirees face when leaving employer-sponsored coverage. He breaks down the three heads of Cerberus, answers listener questions about retirement planning, and shares recent book recommendations from himself and the team.OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN(00:00) This show is dedicated to helping you not just survive retirement, but have the confidence to lean in and rock it.(00:30) Roger introduces the Cerberus framework and outlines the four-week series on health care before Medicare.HEALTH CARE BEFORE MEDICARE: THE THREE HEADS OF CERBERUS(02:20) Roger explains why retiring before Medicare requires a strategy and introduces the three “heads” of the health care Cerberus.(03:11) “Head” #1: The true cost of health care without an employer subsidy and why it creates sticker shock in retirement, especially when paid from pre-tax accounts.(10:50) “Head” #2: Coverage challenges, including narrower networks, fewer plan options, and the potential loss of trusted doctors and specialists.(15:13) “Head” #3: Increased complexity in choosing plans, managing care, and navigating ACA subsidies based on modified adjusted gross income.LISTENER QUESTIONS & OBSERVATIONS(19:20) Roger responds to listener questions about saving discipline, the 4% rule, geographic cost differences, values-based planning, and how taxes are modeled in retirement case studies.SMART SPRINT(33:00) Roger encourages listeners to review the health care assumptions in their retirement plan, especially for those retiring before Medicare age.WHAT'S ON THE BOOKSHELF(34:14) Roger and the team share recent book recommendations, including history, personal finance, purpose, habits, and wealth.REFERENCESSubmit a Question for RogerSign up for The NoodleThe Retirement Answer ManKaiser Family Foundation (KFF)Healthcare.gov

After Minnesota's widespread pandemic-era fraud took center stage, federal officials have ramped up efforts to uncover similar schemes nationwide—specifically targeting stolen taxpayer funds within the healthcare industry. Dr. Mehmet Oz, Administrator of the Centers for Medicare and Medicaid Services, joins us to discuss his mission to root out healthcare fraud and explain how systemic corruption is impacting the most vulnerable citizens. He details how the administration is leveraging new technology to shut down hundreds of fraudulent businesses and implementing a new strategy to ensure stricter oversight of the healthcare industry.Americans are reportedly projected to wager a record $1.7 billion on this year's Super Bowl as legalized sports betting expands to nearly 38 states. Safer Gambling Strategies President Keith Whyte joins the Rundown to discuss the "seductive logic" of prop bets, the risks of unregulated prediction markets, and how parents can talk to their children about the dangers of gambling addiction. Plus, commentary by FOX News contributor, Joe Concha. Learn more about your ad choices. Visit podcastchoices.com/adchoices

 Rep Tim Burchett tells the American people about Senate majority leader John Thune's flip flopping on forcing a floor vote on the Voter ID act - the SAVE America Act - as we hear Thune explain "there's a lot of stuff to do" before a vote can be called. Like what? More transnational (foreign) scumbags are tracked down and arrested for stealing $300 million in fake Medicare expenses... for fake people... receiving fake equipment. The Trump administration pulls back all small business loans from everyone who isn't an American citizen. 

SummaryThe 2026 Compliance Roundtable discusses critical issues in healthcare compliance, focusing on prior authorizations, telehealth, clinical laboratories, and incident two billing provisions. Experts (Joe Rivet, Terry Fletcher, Scott Kraft, Stephanie Allard, Jordan Johnson, and David Duhaime) share insights on the challenges faced by providers, the impact of legislation, and the evolving landscape of healthcare regulations. The conversation highlights the need for reform and the importance of understanding the complexities of compliance in the healthcare industry.TakeawaysPrior authorizations serve as a gatekeeper to control healthcare costs.The burden of prior authorizations can create barriers to timely care.Congress is considering reforms to the prior authorization process.Medicare Advantage plans often complicate access to care compared to traditional Medicare.Virtual supervision has changed the definition of direct supervision in healthcare.Incident two billing provisions pose significant compliance risks for providers.The error rate in incident two billing is alarmingly high.PAMA cuts to laboratory services could negatively impact patient care.AI in healthcare presents risks related to patient information security.The importance of understanding the nuances of healthcare regulations is critical for compliance.

It's Wednesday, February 4th, A.D. 2026. This is The Worldview in 5 Minutes heard on 140 radio stations and at www.TheWorldview.com.  I'm Adam McManus. (Adam@TheWorldview.com) By Jonathan Clark Colombian president denies divinity of Jesus Christ Christians across Colombia recoiled at recent remarks made by President Gustavo Petro. The nation's leader denied that Jesus is Christ, describing Him instead as a “man of light, of truth and a revolutionary.” This public attack on Biblical truth comes as Christians continue to face persecution and physical attacks in the country.  Criminal organizations have killed at least 10 pastors in Colombia over the last year. Sadly, the government provides little protection for church leaders. Psalm 2:11-12 warns rulers, “Serve the LORD with fear, and rejoice with trembling. Kiss the Son, lest He be angry, and you perish in the way, when His wrath is kindled but a little. Blessed are all those who put their trust in Him.” U.S. forces shoot down Iranian drone over Arabian Sea A U.S. fighter jet shot down an Iranian drone as it approached a U.S. aircraft carrier in the Arabian Sea on February 3rd, the U.S. Central Command has announced, reports The Epoch Times. The incident comes at a moment of heightened tensions between Washington and Tehran. President Donald Trump recently ordered naval forces to the Middle East and has threatened military strikes on Iran if it does not agree to new limits on its nuclear development. The U.S. Central Command, which oversees U.S. military operations in the Middle East, said the aircraft carrier USS Abraham Lincoln was operating about 500 miles from Iran's southern coast on Tuesday, when U.S. forces spotted what they identified as an Iranian Shahed-139 drone. When the Iranian drone “unnecessarily maneuvered toward” the aircraft carrier, the U.S. Central Command said U.S. forces issued de-escalatory instructions, but the drone continued on its path toward the aircraft carrier. That's when an F-35C Lighting II stealth fighter jet, assigned to the aircraft carrier, intervened and shot down the drone. Thankfully, no American service members were harmed during the incident, and no U.S. equipment was damaged. Conservative candidate wins presidency of Costa Rica Meanwhile in Central America, conservative candidate Laura Fernández Delgado won Costa Rica's presidential election on Sunday. She gave thanks to God following the election victory.  Life News reports that Fernández emphasized moral values and the protection of unborn babies during her campaign. She stated, “Defending the lives of Costa Ricans who have not yet been born is an obligation of the State. Abortion is nothing more than murder and, therefore, penalties must be toughened.” Christian groups looking to overturn homosexual marriage In the United States, a coalition of conservative groups launched a campaign last month to overturn Obergefell.  The infamous Supreme Court ruling from 2015 legalized faux homosexual marriage.  The campaign, known as the Greater Than movement, calls for protecting children from being put in the middle of such unbiblical relations.  Listen to comments from Dr. Albert Mohler, president of The Southern Baptist Theological Seminary.  MOHLER: “Marriage is actually the most basic institution of human civilization. You redefine marriage, you have just destroyed the house. You can put together a new house and claim it's the same. Children will know the difference. It harms children in virtually every way imaginable.” De-transitioner awarded $2 million The Epoch Times reports a New York jury found a psychologist and plastic surgeon liable for malpractice in a transgender case last week.  The doctors supported and performed a double mastectomy on a 16-year-old girl who claimed to be a boy. Fox Varian is 22 now and no longer pretends to be a boy. She was awarded two million dollars in the case. Varian is the first de-transitioner to win such a malpractice lawsuit.  Nearly 30 more de-transitioner lawsuits are in process across America. Trump stands with pharmacies for not carrying Abortion Kill Pills The Trump administration is protecting pharmacies from having to carry abortion kill pills. Under the Biden administration, the Department of Health and Human Services required pharmacies serving Medicare or Medicaid patients to carry abortion drugs. The department rescinded that mandate last week. This is part of the government's policy to “end the forced use of Federal taxpayer dollars to fund or promote elective abortion.”  Red states are growing and blue states are shrinking The U.S. Census Bureau released its latest Population and Housing Unit Estimates last week. Red states, like Texas, are growing, while blue states, like California, are shrinking.  Based on this, the American Redistricting Project released its 2030 Apportionment Forecast of how these demographic trends will affect Congress. Texas and Florida could gain a combined eight congressional seats. Meanwhile, California and New York could lose six seats. 83% of U.S. adults believe in God; 25% attend weekly religious service Pew Research released new analysis of Americans' religious beliefs and practices. The analysis shared the data as if the U.S. population were scaled down to 100 people.  In that case, 83 people would believe in God or a universal spirit. Fifty-two would believe in Heaven and Hell. Forty-four would pray daily. Thirty-eight would say religion is very important in their lives. And only 25 would say they attend religious services at least weekly.  Romans 11:5 reminds us, “Even so then, at this present time there is a remnant according to the election of grace.” U.S. life expectancy rose to 79 And finally, U.S. life expectancy rose to a record 79 years in 2024. This according to a new report from the Centers for Disease Control and Prevention. Life expectancy at birth for women rose to 81, and for men it rose to 76. Meanwhile, the age-adjusted death rate decreased nearly four percent from 2023. The increased life expectancy comes after improvements following the COVID-19 pandemic as well as declines in overdose deaths.  Close And that's The Worldview on this Wednesday, February 4th, in the year of our Lord 2026. Follow us on X or subscribe for free by Spotify, Amazon Music, or by iTunes or email to our unique Christian newscast at www.TheWorldview.com.  I'm Adam McManus (Adam@TheWorldview.com). Seize the day for Jesus Christ.

⚡ In this fiery and highly opinionated episode, the hosts dive into controversial headlines involving alleged political double standards, criminal justice responses, and immigration enforcement debates.

What if better care actually costs less? And what if technology is the bridge to get us there? In this episode, AgingIN CEO Susan Ryan is joined in this week's episodeby Kim Brawley, regional vice president of AgeWell Solvere Living, and Stu Hamilton,CEO and founder of Amba Health and Care, for a timely conversation about how technology—when implemented thoughtfully—can transform senior living.  Against the backdrop of demographic shifts, aging infrastructure, workforce challenges, and rising healthcare costs, the discussion explores how passive sensor technology, remote patient monitoring, and value-based care models can improve resident outcomes, empower caregivers, and strengthen organizational performance. Hamilton and Brawley emphasize that successful technology adoption in aging servicesmust be intuitive, integrated, and designed to support—not replace—caregivers. In addition, they explore the growing opportunity for senior living providers to participate in value-based care, including Medicare-funded remote patient monitoring (RPM) and emerging federal programs.  This conversation makes a compelling case that technology—when aligned with strong values and a clear wellness philosophy—can be a powerful catalyst for cultural change in senior living.  More about Amba here: https://amba.co More about AgeWell Solvere Here: https://www.awsliving.com

Today's live YouTube Chat Q&A covers the full spectrum—earnings season takeaways, the selloff-to-rebound pattern, and the big debate around Big Tech, AI, and margins. We walk through where tech and AI leadership stand now, whether AI is pressuring software profitability, and the “real world” constraint markets may be underpricing: power demand (including what ERCOT could mean for data-center expansion). We also hit the energy transition angle—why wind/solar intermittency matters, the critical minerals push, and why fundamentals still matter when narratives run hot. On the positioning side, we discuss whether metals look oversold, how to think about “rebound rallies,” and why investor discipline (process, rebalancing, and risk controls) beats chasing headlines. Finally, we shift to planning questions that come up constantly in the chat: Medicare timing (age 65 vs. later), enrolling in your 70s, key pitfalls with Medicare Advantage, and how COBRA fits into the transition. 0:00 - INTRO 0:19- Earnings Season Recap 4:05 - Markets Sell off to Rebound 9:05 - Tech Stocks & AI - Where are We? 10:17 - Is AI Destroying Software Profit Margins? 16:26 - Will ERCOT Pump the Brakes of Data Centers? 19:22 - Wind & Solar Are Not Consistent or Reliable 20:42 - The Critical Mineral Push 22:33 - Fundamentals Matter a Lot 24:19 - Are Metals Over Sold? 27:41 - Investor Discipline & Having a Plan 29:10 - This was Not a Forced Manipulation 30:45 - Leverage on Bitcoin 31:47 - Jumping on Medicare at age 65? 38:44 - Signing Up for Medicare in 70's 40:32 - Be Careful with Medicare Advantage 42:56 - The Thing About COBRA Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer ------- Register for our next Candid Coffee, 2/21/26: https://streamyard.com/watch/Wq3Yvn9ny5GV ------- Watch Today's Full Video on our YouTube Channel: ------- Watch our previous show, "The Trap of Chasing Returns," here: https://youtube.com/live/sKXpfWf8oRs?feature=share -------- The latest installment of our new feature, Before the Bell, "Dip Buyers Step In" is here: https://youtu.be/EY04EexrThs ------- Visit our E-book Library (no library card required!) https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #SectorRotation #RiskManagement #ReflationTrade #PortfolioRebalancing #BuyTheDip #EarningsSeason #ArtificialIntelligence #BigTech #RiskManagement #Medicare

This month, Children's Minnesota will pause some gender-affirming care. The health system announced Tuesday that starting Feb. 27, it will stop prescribing puberty blockers and hormones to patients under 18. Hospitals and clinics around the country are under pressure from the Trump Administration. It's proposed ending Medicaid and Medicare funding for providers that continue these treatments to minors. One of the providers that will likely take on patients who had gone to Children's Minnesota is Family Tree Clinic. MPR News host Kelly Gordon spoke with Family Tree's Executive Director Annie Van Avery to explain the significance of the decision.

Lawlessness didn't happen by accident. It was designed, incentivized, and protected by those in power. In today's episode, Todd Huff breaks down three major areas where the system has been deliberately abused: elections, immigration, and federal programs. From calls to nationalize election standards, to the misuse of asylum laws under the Biden administration, to shocking fraud embedded in Medicare spending, the common thread is clear—rules are being ignored to reward political gain. Todd explains why this moment matters, how real reform is finally within reach, and why conservatives must stay focused, grounded, and courageous as the country approaches a defining crossroads. This is about restoring law, order, and accountability—without rage, without fear, and without backing down.

Send us a textThis week on On The Pen: The Weekly Dose, Dave breaks down one of the most consequential Eli Lilly earnings calls to date. We dive into major updates on retatrutide, new Phase 3 timelines, and why Lilly is positioning next-generation GLP-1 and GIP therapies far beyond obesity, including osteoarthritis, sleep apnea, addiction, and mental health. From manufacturing scale and Medicare access to brand-new molecules like bernipotide and amylin-based therapies, this episode explores what the future of incretin medicine could really look like for patients.Visit TRYSHED.COM to learn more today! Use CODE OTP25 to save 25%!

Story 1: It's been a seat dominated by one man for over four decades but that will likely change very soon. Candidate for U.S. Senate in Kentucky, Nate Morris, explains what inspired him to run for the seat currently held by long-time incumbent Senator Mitch McConnell (R-KY) and where he stands on some of the more controversial issues in U.S. politics.Story 2: Is the NFL lacking in diversity? Will and The Crew react to a statement from NFL Commissioner Roger Goodell claiming that the league had “a lot of work to do” to achieve racial diversity among their head coaches, before investigating the disturbing recurrence of patients checking into hospitals with active artillery shells lodged in their rectums.Story 3: Administrator of the Centers for Medicare & Medicaid Services Dr. Mehmet Oz joins Will to break down his investigation into healthcare fraud, explaining how the misuse of millions of dollars in funds has been normalized by politicians like Gov. Gavin Newsom (D-CA). Administrator Dr. Oz breaks down how he identifies fraud, what he's doing to prevent it, and what makes Medicare and Medicaid such an easy target to begin with.Subscribe to ‘Will Cain Country' on YouTube here: ⁠⁠⁠⁠⁠Watch Will Cain Country!⁠⁠⁠Follow ‘Will Cain Country' on X (⁠⁠⁠@willcainshow⁠⁠⁠), Instagram (⁠⁠⁠@willcainshow⁠⁠⁠), TikTok (⁠⁠⁠@willcainshow⁠⁠⁠), and Facebook (⁠⁠⁠@willcainnews⁠⁠⁠)Follow Will on X: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@WillCain Learn more about your ad choices. Visit podcastchoices.com/adchoices

Anais, a scientist in the biotech industry, details her daughter Lira's first year following a Type 1 Diabetes diagnosis at age six. Go tubeless with Omnipod 5 or Omnipod DASH * Dexcom G7 CONTOUR NextGen smart meter and CONTOUR DIABETES app Get your supplies from US MED  or call 888-721-1514 Tandem Mobi  twiist AID System Free Juicebox Community (non Facebook) Eversense CGM Medtronic Diabetes Drink AG1.com/Juicebox Touched By Type 1 Take the T1DExchange survey Type 1 Diabetes Pro Tips - THE PODCAST Use code JUICEBOX to save 40% at Cozy Earth  Apple Podcasts> Subscribe to the podcast today! The podcast is available on Spotify, Google Play, iHeartRadio, Radio Public, Amazon Music and all Android devices The Juicebox Podcast is a free show, but if you'd like to support the podcast directly, you can make a gift here or buy me a coffee. Thank you! * Omnipod Wilmot E, et al. Presented at: ATTD; March 19-22, 2025; Amsterdam, NL. A 13-week randomized, parallel-group clinical trial conducted among 188 participants (age 4-70) with type 1 diabetes in France, Belgium, and the U.K., comparing the safety and effectiveness of the Omnipod 5 System versus multiple daily injections with CGM. Among all paid Omnipod 5 G6G7 Pods Commercial and Medicare claims in 2024. Actual co-pay amount depends on patient's health plan and coverage, they may be higher or lower than the advertised amount. Source IQVIA OPC Library. Disclaimer - Nothing you hear on the Juicebox Podcast or read on Arden's Day is intended as medical advice. You should always consult a physician before making changes to your health plan.  If the podcast has helped you to live better with type 1 please tell someone else how to find it!  

In this video our experts analyze and educate you on what happened and why with fact based, data based, verified and researched expertise reporting. For free and unbiased Medicare help, dial (656) 218-0931 to speak with my trusted partner, Chapter, or go to https://askchapter.org/nez▶Sign up to our Free Newsletter, so you never miss out: https://bio.site/professornez#epsteinfiles #epstein

Don Lemon Arrested by Federal Agents. In this video our experts analyze and educate you on what happened and why with fact based, data based, verified and researched expertise reporting. For free and unbiased Medicare help, dial (656) 218-0931 to speak with my trusted partner, Chapter, or go to https://askchapter.org/nez▶Sign up to our Free Newsletter, so you never miss out: https://bio.site/professornez#donlemon

A candid conversation with Eric Brotman on why retirement planning needs structure, flexibility, and fewer assumptions. One of the things I've learned after years of retirement planning conversations is that most people aren't short on opinions — they're short on clarity. They've heard plenty of rules.They've absorbed countless headlines.They've picked up advice from coworkers, friends, and financial media. But when you slow things down and ask a simple question — “Why are you doing it this way?” — the answer is often some version of, “That's just what I've always heard.” I recently sat down on the “Don't Retire… Graduate!” podcast with host Eric Brotman (author of “Don't Retire, Graduate” and previous guest of my podcast back in the “Retirement Revealed” days) to discuss why building a better retirement plan starts with asking better questions. Eric is the author of Don't Retire, Graduate, and his core message is relatable to everyone entering retirement: retirement isn't a finish line. It's a transition — and transitions deserve thoughtful planning, not assumptions. As Eric put it during our conversation, “Most people think retirement is a decision. It's not. It's a process.” Why One-Time Decisions Matter So Much to a Retirement Plan When you're working, mistakes are usually correctable. Save too little one year? You can increase contributions later. Invest poorly early on? Time often smooths things out. Retirement doesn't work that way. Retirement is full of one-way doors — decisions you can't easily undo. Social Security claiming. Pension elections. Medicare choices. Tax strategies.  Once those decisions are made, you often live with them for decades. This is where many retirement plans quietly fail. Not because the investments are bad, but because the planning skipped the hard questions upfront. The Quiet Problem of Underspending One of the most interesting threads in our conversation was something I see often with clients but rarely see addressed directly: underspending. People spend decades being disciplined savers. They're rewarded for delaying gratification. Then retirement arrives — and suddenly they're supposed to flip a switch and start spending confidently? That transition is harder than most people expect. Eric described it bluntly: “A lot of retirement plans are designed to avoid failure, not to support a great life.” When plans are built entirely around extremely high “success rates,” the tradeoff is often living smaller than necessary. Retirees follow conservative rules, spend cautiously, and end up with more money at the end of life than they started with — not because they needed it, but because no one ever gave them permission to use it. That's how an effort to preserve your money in retirement can turn into a missed opportunity. Why Rules of Thumb Aren't Enough Rules like the 4% withdrawal guideline exist for a reason — they're simple and memorable. But that simplicity comes at a cost. Rules of thumb can be useful starting points, they become problematic when people treat them as guarantees rather than guidelines that require context. Markets change. Taxes change. Spending changes. Life changes. A retirement plan that assumes constant spending and ignores flexibility is solving a math problem that doesn't exist in the real world. What works better is a framework that expects adjustment — not perfection. Retirement as a Graduation, Not an Ending The phrase “Don't retire, graduate” isn't about working forever. It's about intention. Some people want to fully step away from work. Others want to consult, volunteer, or stay mentally engaged. Neither approach is right or wrong — but drifting into retirement without deciding is where dissatisfaction often starts. What makes a difference for most retirees? Having a purpose to your life in retirement as a new chapter, not a conclusion to the entire book. When you treat retirement as a graduation into something new, the planning naturally becomes more thoughtful. Spending decisions align with values. Time gets treated as intentionally as money. And confidence replaces guesswork. The Real Goal of Retirement Planning At its core, this conversation wasn't about beating markets or optimizing spreadsheets. It was about aligning math with real life. A good retirement plan doesn't just aim to avoid running out of money. It aims to help you live well — without constant second-guessing. For many, effective retirement planning isn't about dying with the most money. It's about using the money you've earned to live well, without fear or constant second-guessing. That's a goal worth planning for. If you're approaching retirement — or already there — this episode will challenge some comfortable assumptions and help you think differently about what your plan is actually designed to do. Don't forget to leave a rating for the “Retire Today” podcast if you've been enjoying these episodes! Subscribe to Retire Today to get new episodes every Wednesday. Apple Podcasts: https://podcasts.apple.com/us/podcast/retire-today/id1488769337  Spotify Podcasts: https://bit.ly/RetireTodaySpotify About the Author: Jeremy Keil, CFP®, CFA is a retirement financial advisor with Keil Financial Partners, author of Retire Today: Create Your Retirement Income Plan in 5 Simple Steps, and host of the Retirement Today blog and podcast, as well as the Mr. Retirement YouTube channel. Jeremy is a contributor to Kiplinger and is frequently cited in publications like the Wall Street Journal and New York Times. Additional Links: Buy Jeremy's book – Retire Today: Create Your Retirement Master Plan in 5 Simple Steps Eric Brotman on LinkedIn “Don't Retire…Graduate!” podcast “Don't Retire…Graduate!” on Amazon BFG Financial Advisors BFG University on YouTube Build Your Retirement Master Plan in 5 Simple Steps Connect With Jeremy Keil: Keil Financial Partners LinkedIn: Jeremy Keil Facebook: Jeremy Keil LinkedIn: Keil Financial Partners YouTube: Mr. Retirement Book an Intro Call with Jeremy's Team Media Disclosures: Disclosures This media is provided for informational and educational purposes only and does not consider the investment objectives, financial situation, or particular needs of any consumer. Nothing in this program should be construed as investment, legal, or tax advice, nor as a recommendation to buy, sell, or hold any security or to adopt any investment strategy. The views and opinions expressed are those of the host and any guest, current as of the date of recording, and may change without notice as market, political or economic conditions evolve. All investments involve risk, including the possible loss of principal. Past performance is no guarantee of future results. Legal & Tax Disclosure Consumers should consult their own qualified attorney, CPA, or other professional advisor regarding their specific legal and tax situations. Advisor Disclosures Alongside, LLC, doing business as Keil Financial Partners, is an SEC-registered investment adviser. Registration does not imply a certain level of skill or expertise. Advisory services are delivered through the Alongside, LLC platform. Keil Financial Partners is independent, not owned or operated by Alongside, LLC. Additional information about Alongside, LLC – including its services, fees and any material conflicts of interest – can be found at https://adviserinfo.sec.gov/firm/summary/333587 or by requesting Form ADV Part 2A. The content of this media should not be reproduced or redistributed without the firm’s written consent. Any trademarks or service marks mentioned belong to their respective owners and are used for identification purposes only. Additional Important Disclosures

1 - Jack Posobiec, of TPUSA and former 1210 employee, rejoins us today as he is putting on an alternative halftime show to the Super Bowl's. Why do this? What will they do to get eyeballs away from the big game? What is the appeal of their new show? What will the big surprise be? Where will the performance be held? Will Erika Kirk be there? 110 - Can the NFL be stopped? 120 - Do black voters want Voter ID? Your calls. 135 - Administrator for the Centers for Medicare and Medicaid Services, Dr. Mehmet Oz, joins us today. What does he think about eating a cheesesteak without the bun? Does he feel as strongly about saturated fats as RFK Jr.? What is the gist of this widespread hospice care fraud in California? How much of Medicaid pays for non-surgical or non-doctoral needs? What is this phenomenon of being declared disabled in order to get ahead in secondary schooling and beyond? 150 - Your calls rounding out the hour.

12 - Will you watch the alternate Super Bowl halftime show? We know the guests, but will it draw at least a million views? 1205 - NFL Commissioner Roger Goodell spoke yesterday at Super Bowl media day regarding the halftime show and DEI. 1210 - Side - food faux pas 1215 - Legendary journalist Bill O'Reilly returns to the program today. What is it like interviewing Roger Goodell, as he is very hard to get a non-corporate answer out of? Will anyone push the President in a Super Bowl interview? What would Bill ask Trump right now? What is the biggest battle the Republicans are facing right now from voters? What is the latest development with our business with China? Why is accurate journalism so important to Bill at this stage in his career? How is he spending Super Bowl Sunday? 1230 - Let's get the rest of the side question. 1240 - Larry Krasner tells Josh Shapiro “not to be a wimp”. Why? Will Shapiro and Cherelle Parker stand up to Krasner? The Native Americans want their land back from Billie Eilish. Why would she make such hypocritical statements at the Grammy's? Bill Maher calls out celebrities like her making political statements. 1250 - Your calls. What will be the surprise at the alternate halftime show? 1 - Jack Posobiec, of TPUSA and former 1210 employee, rejoins us today as he is putting on an alternative halftime show to the Super Bowl's. Why do this? What will they do to get eyeballs away from the big game? What is the appeal of their new show? What will the big surprise be? Where will the performance be held? Will Erika Kirk be there? 110 - Can the NFL be stopped? 120 - Do black voters want Voter ID? Your calls. 135 - Administrator for the Centers for Medicare and Medicaid Services, Dr. Mehmet Oz, joins us today. What does he think about eating a cheesesteak without the bun? Does he feel as strongly about saturated fats as RFK Jr.? What is the gist of this widespread hospice care fraud in California? How much of Medicaid pays for non-surgical or non-doctoral needs? What is this phenomenon of being declared disabled in order to get ahead in secondary schooling and beyond? 150 - Your calls rounding out the hour. 2 - Lindsey Vonn is competing in what will be her final Olympics. Imagine if she had to go up against the guys? Why does this hospital settlement set a new precedent for transgender surgeries? Will transgender issues be a voting topic in the midterm elections? 215 - Your calls. 220 - Dom's Money Melody! 225 - Does the alternate halftime show have sponsors? Will Nicki Minaj show up? More on anti-ICE protestors. 235 - Your calls. 250 - The Lightning Round!

The tax planning process doesn't change for single retirees—but the margin for error does. In this episode, we explain why taxes behave differently when there's only one tax bracket, no spousal coordination, and no survivor window to clean things up later. We discuss why IRMAA thresholds hit sooner for single filers and how small income decisions can have outsized consequences. We walk through a simple framework that focuses on understanding your income baseline, where your assets are held, how Medicare premiums factor into tax decisions, and why time horizon matters more when there's only one lifetime to plan around. This episode isn't about squeezing out every last tax advantage. It's about protecting flexibility, avoiding irreversible mistakes, and building a plan that works without a backup. Although this show does not provide specific tax, legal, or financial advice, you can engage Devin or John through their individual firms. 

Fani Willis Won't Sleep Well Tonight! Tulsi Gabbard & FBI COME to Fulton County. In this video our experts analyze and educate you on what happened and why with fact based, data based, verified and researched expertise reporting. For free and unbiased Medicare help, dial (656) 218-0931 to speak with my trusted partner, Chapter, or go to https://askchapter.org/nez▶Sign up to our Free Newsletter, so you never miss out: https://bio.site/professornez#faniwillis #tulsigabbard #trump

In this video our experts analyze and educate you on what happened and why with fact based, data based, verified and researched expertise reporting. For free and unbiased Medicare help, dial (656) 218-0931 to speak with my trusted partner, Chapter, or go to https://askchapter.org/nez▶Sign up to our Free Newsletter, so you never miss out: https://bio.site/professornez▶Original, Made in the USA Neznation Patriot Merch: https://professornez.myspreadshop.com/all

Medicare and Medicaid fraud. California healthcare corruption. Constitutional crisis. California is now being called the epicenter of Medicare and Medicaid fraud, with billions of taxpayer dollars allegedly lost to fake patients, phantom billing, and sham hospice operations. In this full podcast episode, Dr. Mehmet Oz, Administrator of the Centers for Medicare & Medicaid Services explains why Los Angeles has become ground zero for healthcare fraud and how these schemes drain public healthcare programs meant to serve real patients. Dr. Oz alleges that organized fraud networks are exploiting Medicare and Medicaid at massive scale. Gavin Newsom denies the claims, accusing Oz of exaggeration and discrimination — escalating the conflict into a political and legal firestorm. This episode then turns to a second crisis: federal law vs state and city governments. Across blue cities, police departments are ordered to monitor and film ICE agents, federal officers are barred from city property, and taxpayer funds are used to oppose federal immigration enforcement. Is this lawful protest — or obstruction of federal authority? Constitutional attorney Josh Hammer breaks down:     •    The Supremacy Clause of the U.S. Constitution     •    When state resistance becomes unconstitutional     •    The legal implications of **Don Lemon arrest     •    What legal remedies exist to restore order without destabilizing the country This episode covers Medicare fraud, Medicaid abuse, California corruption, federal vs state power, ICE enforcement, constitutional law, and government overreach — with facts, legal analysis, and real consequences. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, Rob Hitchcock, President and Chief Executive Officer of Select Health, discusses how payer provider collaboration, cultural change, and proactive care models are reshaping health plan strategy amid rising cost pressures. He shares perspectives on regulatory headwinds, Medicaid and Medicare reform, and more.

The Tenpenny Files – Healthcare decisions are quietly shifting away from doctors and patients into administrative systems that control approval, cost, and access. Twila Brase explains how insurer dominance, Medicare changes, and federal policy now determine when care moves forward. As delays increase and choices narrow, Americans discover too late that medical judgment has been replaced by bureaucratic control...

President Trump has issued a direct warning to Minneapolis Mayor Jacob Frey after the city publicly stated it will not enforce federal immigration laws. In this video our experts analyze and educate you on what happened and why with fact based, data based, verified and researched expertise reporting. For free and unbiased Medicare help, dial (656) 218-0931 to speak with my trusted partner, Chapter, or go to https://askchapter.org/nez▶Sign up to our Free Newsletter, so you never miss out: https://bio.site/professornez#trump #jacobfrey #minnesota Chapter and its affiliates are not connected with or endorsed by any government entity or the federal Medicare program. Chapter Advisory, LLC represents Medicare Advantage HMO, PPO, and PFFS organizations and stand alone prescription drug plans that have a Medicare contract. Enrollment depends on the plan's contract renewal. While we have a database of every Medicare plan nationwide and can help you to search among all plans, we have contracts with many but not all plans. As a result, we do not offer every plan available in your area. Currently we represent 50 organizations which offer 18,160 products nationwide. We search and recommend all plans, even those we don't directly offer. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your options.

A major Medicare billing issue is emerging across 24 states, and vascular specialists are warning it could delay—or deny—time-sensitive, limb-saving care for patients with Peripheral Artery Disease (PAD). On this episode of The Heart of Innovation, we are joined by two leading voices on the front lines:

In this January 30 episode of MAHA News, Jordan Sather and Nate Prince break down major developments reshaping public health policy, healthcare accountability, and food systems. The discussion opens with the United States' withdrawal from the World Health Organization and what that shift signals for national sovereignty and public health governance. From there, the hosts examine updates from HHS, including action on healthcare fraud, the launch of more than 100 autism-related studies, and renewed focus on chronic disease as a long-term national crisis. The episode also covers changes to Medicare Advantage reimbursement rates and their implications for insurers and patients. In the second half, attention turns to the corporate capture of the beef industry, consolidation among major meat packers, and how regulatory and market forces have distorted food production. Throughout the episode, the focus remains on transparency, accountability, and challenging systems that benefit from consolidation and illness rather than health.

The 4% rule has a major flaw: it doesn't account for healthcare costs. If you're planning to retire early, health insurance premiums will rise sharply as you age—from your 30s through your 60s before Medicare kicks in at 65. This isn't speculation; it's how the U.S. healthcare system works under the ACA. On this episode of the BiggerPockets Money podcast, Mindy Jensen and Scott Trench break down why early retirees need a bigger financial buffer than traditional FIRE calculations suggest. Learn the real cost of healthcare in early retirement, strategies to reduce expenses (geographical arbitrage, health shares, catastrophic coverage), why you can't rely on ACA subsidies long-term, and how to build a healthcare plan that won't derail your path to financial independence. To go beyond the podcast: Kick start your financial independence journey with our FREE financial resources Subscribe on YouTube for even more content Connect with us on social media to join the other BiggerPockets Money listeners We believe financial independence is attainable for anyone no matter when or where you're starting. Let's get your financial house in order! Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, I sit down with New Jersey Senator, Andy Kim, to talk about the realities of caregiving for his father while also raising his young kids. Andy shares the personal story of his father's Alzheimer's diagnosis, how fast his family's life changed, and the emotional and financial challenges of finding the right care. We dive into the gaps within Medicare and Medicaid, what needs to change systemically for caregivers, and the legislation he's working on to support families. Andy shares his biggest worries for our kids' future - from mental health to social media - and why he believes universal healthcare is a must in our country. Plus, we talk about his favorite part about Jersey!Key Takeaway / Points:Andy's personal experience as a caregiver for his father with Alzheimer'sThe realities of being part of the “sandwich generation,” and caring for aging parents while raising childrenThe financial burden that many caregivers face in our country and the truth behind the limitations of MedicareAndy's work on current legislation to help provide support for caregivers and familiesHis biggest worries for the next generation - from the mental health crisis to the use of technologyAndy's mission for universal healthcare and affordability for caregiversThe challenges of his job as a Senator and his goal to shape the kind of America he wants his kids to grow up inAndy's love of New JerseySign up for his newsletter at kim.senate.govFollow Andy:Instagram: @senatorandykimFollow me:Instagram: @cameronoaksrogersSubstack: Fill Your CupWebsite: cameronoaksrogers.comTikTok: @cameronoaksrogersYoutube: Cameron Rogers

The country-leading self-defense law expert explains the legal reality of Minnesota ICE incident with Alex Jeffrey Pretti. In this video our experts analyze and educate you on what happened and why with fact based, data based, verified and researched expertise reporting. For free and unbiased Medicare help, dial (656) 218-0931 to speak with my trusted partner, Chapter, or go to https://askchapter.org/nez#SelfDefenseLaw #LegalAnalysis #LawEnforcement

In part two, Scott and Tricia explore years of missed LADA, digestive nerve damage, GLP use, and why rigid medical thinking fails people living with complex, autoimmune-driven diabetes. Go tubeless with Omnipod 5 or Omnipod DASH * Dexcom G7 CONTOUR NextGen smart meter and CONTOUR DIABETES app Get your supplies from US MED  or call 888-721-1514 Tandem Mobi  twiist AID System Free Juicebox Community (non Facebook) Type 1 Diabetes Pro Tips - THE PODCAST Eversense CGM Medtronic Diabetes Drink AG1.com/Juicebox Touched By Type 1 Take the T1DExchange survey Use code JUICEBOX to save 40% at Cozy Earth  Apple Podcasts> Subscribe to the podcast today! The podcast is available on Spotify, Google Play, iHeartRadio, Radio Public, Amazon Music and all Android devices The Juicebox Podcast is a free show, but if you'd like to support the podcast directly, you can make a gift here or buy me a coffee. Thank you! * The Pod has an IP28 rating for up to 25 feet for 60 minutes. The PDM is not waterproof. Among all paid Omnipod 5 G6G7 Pods Commercial and Medicare claims in 2024. Actual co-pay amount depends on patient's health plan and coverage, they may be higher or lower than the advertised amount. Source IQVIA OPC Library. Disclaimer - Nothing you hear on the Juicebox Podcast or read on Arden's Day is intended as medical advice. You should always consult a physician before making changes to your health plan.  If the podcast has helped you to live better with type 1 please tell someone else how to find it!  

Last year, President Donald Trump issued an executive order aimed at ending gender-affirming care for transgender children and teenagers under 19. Since then, the Department of Health and Human Services proposed a new rule that would ban hospitals offering that care from receiving Medicaid and Medicare funding. The attacks on transition-related care are having a profound effect on transgender kids and their families, but they're also having an impact on health care providers. Today, we'll hear more. But first: progress on a deal to avoid a partial government shutdown.

Beni Rae Harmony was a trusted WICS NewsChannel 20 anchor in Springfield, Illinois, until one broadcast changed everything. Days after Turning Point USA founder Charlie Kirk was killed at an Utah Valley University event, Harmony closed a newscast with an emotional tribute she called “non-partisan,” rooted in personal loss, not politics.Station leadership suspended her for violating editorial policy, and Harmony says she was pressured to walk it back. Instead, she resigned publicly in a viral post, arguing she was being punished not for mocking a tragedy, but for honoring it, and framing her exit as a choice between career security and personal conviction.In this conversation, Dr. Phil presses into the psychological and professional collision at the center of the story: when does “being human” on-air become “taking a side”? What happens to identity when your newsroom's definition of neutrality conflicts with your lived relationships? And what does it cost emotionally, spiritually, and professionally, to bet everything on your voice? Harmony now reports from Washington, D.C., for Real America's Voice.Thank you to our sponsors:NMLS 182334, https://nmlsconsumeraccess.org. APR for rates in the 5s start at 6.196% for well qualified borrowers. Call 888-841-1319, for details about credit costs and terms. Or https://americanfinancing.net/PhilDon't wait! If you're on Medicare or will be soon, reach out to Chapter: Call: (352)-845-0659 or go to https://askchapter.org/ to learn about your Medicare options and get help finding ways to save money." See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.