Podcasts about Withdrawal

Caffeine is a part of many people's routines, whether it be a shot of coffee or a cup of tea. If you've ever noticed a headache creeping in when you've missed your morning cup of joe, Norman and Tegan are here to explain why. Got a health question? Shoot us a line @ABCHealth on Instagram, or send a voice memo to thatrash@abc.net.au. We'd love to hear from you!Looking for COVID-19 updates? Don't panic, they've moved over to The Health ReportReferences:Adenosine, caffeine, and sleep–wake regulation: state of the science and perspectivesCaffeine for headaches: Helpful or harmful?Caffeine in the management of patients with headache

In this episode of "New Focus on Wealth," certified financial planner Chad Burton discusses various topics related to retirement planning and financial security. He starts by paying tribute to Charlie Munger, vice chairman of Berkshire Hathaway, who recently passed away. Chad then delves into the performance of Berkshire Hathaway over the years and highlights the differences between its A and B shares. He also provides an update on the overall market and discusses the importance of having a dynamic withdrawal strategy in retirement, taking into account factors such as tax planning, healthcare costs, and market cycles. Chad emphasizes the need to track expenses, consider long-term care insurance, and utilize health savings accounts (HSAs) for retirement planning. He concludes by stressing the significance of maintaining good health and staying active in retirement. Listeners are invited to sign up for a webinar on the seven steps for retirement readiness, hosted by Chad and Rob Black. Timestamp: [00:01:33] Charlie Munger's passing. [00:05:24] Value investing performance. [00:09:41] Layaway and credit card usage. [00:13:59] Medicare and supplemental insurance. [00:17:42] Retirement withdrawal strategy. [00:19:16] Endless travel for $2,500. [00:24:18] Running Retirement on Fixed Budget. [00:27:31] Long-term care costs. [00:30:10] Long-term care insurance policies. [00:33:33] Health Savings Account benefits. [00:37:21] A shocking dance floor accident. [00:41:13] The 4% draw rate. [00:45:09] The benefits of EP Wealth's software. [00:47:52] Seven steps to retirement readiness. Email your money question to chad@chadburton.com Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.ChadBurton.com

PREVIEW: From a two hour interview about the withdrawal from Afghanistan, August 2021, Author Jerry Duleavy analyzes the consequences of abandoning Bagram airbase fr the airport in central Kabul.   https://www.amazon.com/Kabul-Untold-Bidens-American-Warriors/dp/1546005307/ref=tmm_hrd_swatch_0?_encoding=UTF8&qid=1701296521&sr=1-1 1928, Ataturk with the King of Afghanistan

(11/24/23)Withdrawal Rates & Recency Bias: Why Dave Ramsey is wrong about withdrawal rates. MorningStar: Dealing with higher fixed-income rates: not here to stay. Why the 4% Withdrawal Rate is back...for now. Sequence of Returns & Guaranteed Income when the withdrawal rate is not constant. NOTE: This presentation includes video originally lost due to technical issues on the day the show was originally streamed. 0:00 - Teaser  1:03 - Withdrawal rates & Recency Bias: Ramsey is Wrong 7:43 - That part you may have missed... 12:20 - Sequence of Returns Risks & Guaranteed Income Hosted by RIA Advisors' Director of Financial Planning, Richard Rosso, CFP, w Senior Financial Advisor Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer -------- These segments are excerpted from a previous show, which can be more fully viewed here: https://www.youtube.com/watch?v=iR6uRWwmEY8&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=14s -------- The latest installment of our new feature, Before the Bell, "When Not-so-Bad News is Good" is here: https://www.youtube.com/watch?v=kdv5qsINM00&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Our previous show is here: "The Year of The Magnificent Seven" https://www.youtube.com/watch?v=blvFign-AWA&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=10s -------- Articles Mentioned in this Show: "Employment Is Sending Signals: Recession Or Normalization?" https://realinvestmentadvice.com/employment-is-sending-signals-recession-or-normalization/ "Speculator Or Investor? What's The Difference?" https://realinvestmentadvice.com/speculator-or-investor-whats-the-difference/ "Bond Rates Drop As Recession Fears Return" https://realinvestmentadvice.com/newsletter/ ------- Get more info & commentary:  https://realinvestmentadvice.com/newsletter/ -------- Register for our next Candid Coffee: https://us06web.zoom.us/webinar/register/6316958366519/WN_jCrzdX9uSJSrg5MBN5Oy8g ------- 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/ #InvestingAdvice #RetirementSpending #4%Rule #Inflation #EconomicSentiment #ButterballTurkey #Thanksgiving #Markets #Money #Investing

This week's retirement reading is from Of Dollars And Data titled, How Safe is an 8% Withdrawal Rate? Listen in as Casey Weade breaks down the article and shares what he thinks! Today's episode can also be accessed by visiting RetireWithPurpose.com/404.  Show Notes: RetireWithPurpose.com/404 Rate & Review the Podcast: RetireWithPurpose.com/review Sign Up to Casey's Weekend Reading Email! Sifting through the copious amount of conflicting financial advice and retirement information can be daunting - but it doesn't have to be! Each week, Casey makes it super easy. He hand-picks 4 of the most important articles you need to read, that are beneficial to you whether you're at, near, or in retirement! If you want them sent straight to your inbox, sign up by visiting RetireWithPurpose.com/weekend-reading

5 Signs.. Is Your Husband Depressed? Let's talk about the complexities of depression in a relationship.  You might be wondering, what does it mean for a person to be depressed, and is it possible to be depressed without it being clinical in nature? Depression is like a raincloud that refuses to part.  It's more than just feeling sad; it's a persistent, deep-seated darkness that affects a person's thoughts, feelings, and daily life.  Now, can someone be depressed without it being clinical? Absolutely. Life's challenges can cast shadows on anyone, but when these shadows linger, it might be time to consider professional help. --> READ THE BLOG POST HERE https://lolaandola.com/my-husband-is-depressed --> WATCH VIDEO VERSION HERE https://youtu.be/dTU_XdTq1lY So, if you as a wife suspect your husband is battling the blues, does knowing about depression benefit the relationship? Absolutely.  But understanding depression should equip you to be a supportive partner. It's not about being on the edge, but rather standing beside your loved one, ready to lend a hand. Let's discuss some 3 first signs of 5 that would more appropriately point to depression in your husband. Sign Number 1: Changes in Mood When it comes to changes in mood, keep an eye out for persistent shifts in emotional states. Depression often brings about intense feelings of sadness, hopelessness, or irritability.  Your husband may seem more easily frustrated, even over minor issues. The key is the persistence of these mood changes; we all have off days, but if this becomes the new norm, it's time to take notice. Now, how does this correlate with relationship struggles? Well, imagine navigating the unpredictable waters of someone's fluctuating moods. It can create an emotional distance between partners, making communication challenging.  Understanding that these mood changes might be linked to depression should allow a partner with the knowledge to approach the other with empathy rather than frustration. Sign Number 2: Changes in Sleep Patterns Depression has a way of disrupting the delicate balance of sleep. Pay attention if your husband experiences significant changes in his sleep patterns.  This could manifest as insomnia, difficulty falling asleep, or conversely, excessive sleep. Sleep is a cornerstone of physical and mental well-being, and disruptions can have a ripple effect on all aspects of life. How does this tie into relationship struggles? Imagine the impact of sleep deprivation on daily interactions. Fatigue can heighten irritability and decrease patience, potentially leading to conflicts within the relationship.  By addressing sleep pattern changes, you're not just addressing a symptom but proactively managing a factor that could contribute to relationship strain. Sign Number 3: Withdrawal from Activities A once social and active husband suddenly withdrawing from activities he used to enjoy? That's a significant red flag.  Depression often convinces individuals to isolate themselves, creating a barrier even with activities they once found pleasure in. It's not just about physical withdrawal; there's an emotional distance that comes with it. Now, let's connect the dots to relationship struggles. Imagine planning outings or activities together, only to be met with disinterest or reluctance.  The withdrawal can extend to emotional availability, making it challenging to connect on a deeper level. Recognizing this sign is crucial for partners to work together in reintroducing enjoyable activities and rebuilding emotional bonds. What about signs that you might be seeing but not necessarily indicative of depression; at least that we can't conclude to be clinical in nature. Well it might be a clinical condition to not hit the like, share and subscribe buttons immediately as it will lead to not getting notified when we drop the next video… DO IT NOW! SIGN NUMBER 4: Disconnects Feeling a disconnect between your husband's depression and relationship struggles? Feeling a disconnect from your husband? Focus on understanding the symptoms before jumping to conclusions. A proper diagnosis is the foundation for effective treatment. SIGN NUMBER 5: Pushing Away Why would a wife link her husband pushing her away to the possibility of depression?  Well, sometimes depression manifests as a desire for isolation. It's not a blame game; it's about recognizing patterns and seeking understanding. So you are thinking "My husband is depressed and won't get help." What should you do? If you find yourself in this situation, the source of this diagnostic conclusion is first to be assessed.  Encourage open communication, express your concern, and help him understand the benefits of seeking professional help. But remember, it's a journey, not a sprint. The emphasis should be on supporting him in seeking professional help. Beyond being a pillar of support, recognizing when it's not a relational issue is crucial. And No! Constant anger isn't a definitive sign, but it could be an expression of underlying emotional turmoil. Depression? Is He Running Mad? I wanted to address this because of certain cultures that tend to gravitate away from what is scientifically proven.  Closed mindedness only make matters like this worse than it needs to be Running mad is probably a stretch, but genuine concern is valid. Mental health matters, and addressing it early can make all the difference.  But here's the thing – don't jump to conclusions. Clearly, you are seeking a solution and that's a great place to start from.  But refrain from self-diagnosis which may include psycho-analyzing your husband.  Balancing mental health awareness with refraining from self-diagnosis is crucial for maintaining a healthy relationship. Instead of attempting to psycho-analyze your husband, focus on fostering open communication.  Encourage dialogue about emotions and well-being without assuming the role of a mental health professional. Seek information together, emphasizing that understanding mental health is a shared journey.  If concerns arise, consider professional advice to ensure accurate assessments and appropriate support. Remember, communication, empathy, and seeking guidance when needed contribute to a supportive environment without the pitfalls of self-diagnosis. What About Post-Baby Blues? Yes, the challenges of parenthood can amplify stressors, contributing to or exacerbating depression. It's a delicate dance of responsibilities and emotions. In Conclusion Suspicion of depression is an additional layer of concern. Seek help for the actual symptoms, not unfounded diagnoses.  Your relationship is a partnership, and navigating mental health challenges together can strengthen that bond as long as things are being approached from a place as close as possible to empathy Remember, your journey through depression in a relationship is unique, and professional guidance to address issues with respect to your particular story is key and can make all the difference. Don't forget to download our free books at www.GetMyMarriageBack.com Let's bring Lola and maybe a few others into the conversation.   #marriage #fixmymarriage #savemymarriage  

Many of my clients are taking benzodiazepines, and unfortunately many of them have a hard time getting off these drugs. I'm not judging anyone who's taking benzos. I want to warn you if you're taking them or if you're considering taking them so you know the risks. Your doctor may not tell you about the side effects or about how hard it can be to stop taking them. In this episode, I talk about: The side effects of benzodiazepines How they affect the brain Why they're so addictive How to get off benzos (don't stop cold turkey!) How to approach getting off benzos for insomnia What support you need when tapering from benzos If you're on benzos for insomnia, the first step is to uncover the imbalances in your body that are keeping you awake. Then you can wean off medication when your body is in a healthier state that is more likely to be able to sleep.  This is what we help you with in the Complete Sleep Solution program. We find out what's causing your insomnia. Then we give you a plan to fix those things so you can sleep normally in 6 months or less. Find out more at www.thesleepdetective.com Schedule a consultation to get started: https://p.bttr.to/3VJwvDs

In the latest episode of the Simply Fit Podcast I have the pleasure of speaking with Brooke Siem. Brook is a writer, chef and speaker whose work on antidepressant withdrawal has appeared in The Washington Post, New York Post, Psychology Today, and more. Her memoir, May Cause Side Effects is the first book on antidepressant withdrawal to hit the mass-market and has some incredibly powerful insights that we discussed today. It's likely that if you're listening to this episode, you've either been on or know someone who has been on antidepressants. These medications for many are seen as a life sentence and many of us have no idea what comes after if we ever choose to come off of them. This conversation with Brooke who has gone through that exact experience was eye opening. In this episode you can expect to learn: The dramatic difference between what Brooke's life looked like on antidepressants vs off them. Why antidepressants might not be the answer and be causing you more harm than good. Along with what seems to be the best technique/approach to coming off antidepressants if you're ready to go down that path. So without further ado, Brooke Siem. Connect with me on Instagram: https://www.instagram.com/elliothasoon/ Let's work together: www.ehcoaching.co.uk Get Free Workout Plans: https://bit.ly/EHWorkoutsYT Find Brooke: Instagram: https://www.instagram.com/brookesiem/ Website: www.brookesiem.com Get The Book: https://www.amazon.com/May-Cause-Side-Effects-Memoir/dp/1949481700 Don't forget to subscribe too so that you don't miss any future episodes.

Hour 2: Sue has today's Sue's News on the first "Rocky" movie, the busiest day for plumbers, and the Random Fact of the Day on Major League Baseball Umpire uniform requirements. Then, Brian Kilmeade, Fox & Friends Host, joins Mark Reardon for their weekly conversation on all things politics including the hostage deal, New York City budget cuts, and more. Later, Mark shares a story from an Army man who is being charged almost $4,000 for equipment he was ordered to leave in Afghan withdrawal.

The University of South Africa (Unisa) welcomed the decision taken by Higher Education, Science and Innovation Minister Dr Blade Nzimande to withdraw the notice to place the university under administration. Last week the Gauteng High Court ordered the Minister to overturn his decision following Unisa's court interdict against the move. The university believes that this decision by Nzimande affirms the "sacrosanctity of the courts" and the rule of law. Last month, Nzimande notified the university of his intention to place it under administration, after the Unisa Council failed to present written representations by the September 4 deadline. Nzimande's intention to place Unisa under administration followed reports on the management of the institution by Independent Assessor Professor Themba Mosia and the Ministerial Task Team (MTT) on Unisa chaired by Dr Vincent Maphai. Nzimande previously said that the Independent Assessor's report revealed financial and other maladministration of a serious nature and serious undermining of the effective functioning of Unisa. The report also revealed that the appointment of an administrator was in the best interest of Unisa and of higher education in an open and democratic society. The MTT on the other hand, conducted an Independent Review of Unisa, and looked at the issue of 'Unisa's mission drift', which had massive implications for the financial sustainability and future of Unisa.

The American international department has confirmed the sanctioning of a substantial number of visas for our Afghan allies who offered their support to our country's military and administrative interests. This took place in the aftermath of the 2021 decision by the present leadership, under President Biden, to retract all American forces from Afghanistan. The meticulous report that provides these details was dispatched on a Thursday to Congress by the principal inspector general. The decision to pull back American troops unfolded a turnaround of events in Afghanistan, culminating in the Taliban seizing widespread control of the region. This unfortunate scenario led to the unfortunate exodus of multiple Afghan citizens, based on data gathered by the Wilson Center. Hence, the U.S., in its dedicated effort to aid our allies fleeing from these dire circumstances, has seen its International Relations Department issuing nearly 34,000 Special Immigrant Visas (SIVs) to Afghans. These Afghans, who received the visas, include them and their immediate kin. These detailed figures were made available in the Inspector General's report unveiled on the specified Thursday. A special provision, the SIV is a permit to stay permanently for those Afghans who made substantial contributions to U.S. interests in Afghanistan.  See omnystudio.com/listener for privacy information.

In this episode, Valerie Vu, Founder of Ansible Ventures, and Jeremy Au discuss three main topics: 1. Intel $1B Investment Withdrawal: Valerie shared that Vietnam's power outages, real estate turmoil, and anti-corruption campaign have led to delays in construction permits and licensing, which influenced Intel's decision to withdraw investment. This also caused the Danish group Pandora to announce the delay in running its factory to 2026 instead of its initial plan to start in 2025. She also explained that the country's power supply is delivered by a single state-owned company called EVN, which has faced challenges in managing resources, resulting in inconsistent power supply. 2. Vietnam Edtech Trends: Valerie stressed that while K-12 education receives ample investment, higher education and adult learning opportunities are lacking. She shared her involvement in helping recruit for Marathon Education which aims to build a Vietnamese MIT university and the potential growth in post-K12 education, including university, post-grad, and adult learning sectors. We also discussed Vietnam's edtech space and both disagreed with the notion of Vietnamese youth disengagement or "lying flat" (tang ping), as seen in China and reported by SCMP. Valerie explained that Vietnam has the second highest PISA (Programme for International Student Assessment) scores among ASEAN countries, next to Singapore. She also shared the trend of young Vietnamese holding multiple jobs or side hustles, showcasing their drive, competitiveness, and ambition. 3. Regional FDI Flow & Expansion Strategies: Valerie noted that the northern region of Vietnam is attracting more foreign direct investment (FDI) due to its infrastructure and larger workforce availability. She compared spending habits in Ho Chi Minh City and Hanoi, pointing out Ho Chi Minh City's entrepreneurial and high-value customer base. We delved into Vietnamese companies' expansion strategies such as their movement into neighboring countries like Cambodia and Laos. Valerie mentioned companies like VinFast expanding into markets like Indonesia and Europe, representing the first generation of Vietnamese entrepreneurs attempting global expansion. She expressed optimism about Vietnam's digital economy growth, targeting 20% of GDP by 2025, and stressed the importance of supportive government policies for this expansion. They also talked about Vietnam's infrastructure development, the top cities and provinces attracting FDI, and the availability of human capital.  Watch, listen or read the full insight at https://www.bravesea.com/blog/intel-investment-withdrawal Get transcripts, startup resources & community discussions at www.bravesea.com WhatsApp: https://chat.whatsapp.com/CeL3ywi7yOWFd8HTo6yzde Spotify: https://open.spotify.com/show/4TnqkaWpTT181lMA8xNu0T YouTube: https://www.youtube.com/@JeremyAu Apple Podcasts: https://podcasts.apple.com/sg/podcast/brave-southeast-asia-tech-singapore-indonesia-vietnam/id1506890464 Google Podcasts: https://podcasts.google.com/feed/aHR0cHM6Ly9mZWVkLnBvZC5jby9icmF2ZWR5bmFtaWNz TikTok: https://www.tiktok.com/@jeremyau Instagram: https://www.instagram.com/jeremyauz Twitter: https://twitter.com/jeremyau LinkedIn: https://www.linkedin.com/company/bravesea Learn more about Fluid! Get in touch with Trasy, Fluid's cofounder at trasy@gofluid.io

For almost 11 years, Laurie was taking Seroquel/Quetiapine. It got her though a lot - and was the first mental health medication she found really "worked" for her.  After a lot of thought, side effects, and conversations with her doctor - Laurie decided to try and taper of of the medication slowly. Our Patreon supporters will remember this time well as Laurie shared a series of bonus episodes throughout the taper and subsequent withdrawal. Without going into as much detail as the patreon diary style episodes, Laurie wanted to chat with someone who knew the science of medications better than she did. In this episode, Carly (from our The Borderline Doctor) episode shares some insights with Laurie about how Seroquel works, why she was likely experiencing some withdrawal symptoms, and how we can better our sleep with or without sleep-aids. Carly (@daturadxm) is a life coach and works in the alternative healthcare space. Into her work, she brings the medical education she received in school before she was dismissed from her program after taking a mental health leave. She is now fighting back against the stigma against borderline personality disorder in education which forced her out of medical school.While we say it many times during the episode - CARLY IS NOT A DOCTOR and THIS EPISODE IS NOT MEDICAL ADVISE.  This is simply a conversation between two people who have taken this medication, one who has a much better understanding of how it works from a scientific perspective than the other. ALWAYS CONSULT YOUR HEALTH CARE PROVIDER WHEN CHANGING MEDICATIONS. Support the showYou can find Laurie and Sara on Instagram to follow their day to day lives even further @laurieanned and @saraswellnessway. You can also find the podcast on IG @boldbeautifulborderline Leave us a voicemail about your thoughts on the show at boldbeautifulborderline.comRegister for our free peer support group at https://www.eventbrite.ca/e/the-super-feelers-club-tickets-145605434775Register for our low-barrier drop-in DBT group at https://www.thewellnesswayllc.comPurchase the Exploring Your Borderline Strengths Journal at https://www.amazon.com/Exploring-Your-Borderline-Strengths-Amundson/dp/B0C522Y7QT/ref=sr_1_1?crid=IGQBWJRE3CFX&keywords=exploring+your+borderline+strengths&qid=1685383771&sprefix=exploring+your+bor%2Caps%2C164&sr=8-1 If you like the show we would love if you could rate, subscribe and support us on Patreon. Patreon info here: https://www.patreon.com/boldbeautifulborderline?fan_landing=true ...

Marty discusses withdrawal in retirement and breaks down the potential win and lose strategies.  What questions need to be answered in comprehensive retirement planning?  That's covered in categories such as Social Security and spousal claiming strategies, budgeting, 401(k) maneuvers, taxes, and income building. You can reach Marty Nevel by calling 888-519-9096. Smart Money SolutionsSee omnystudio.com/listener for privacy information.

The 2023 Mercer CFA Institute's Global Pension Index recently rated retirement systems around the world.  The U.S. earned a C+.  Kelley examines that and discusses ten steps to strongly consider in an effort to score an A+ in your retirement. You can reach Kelley Slaught by calling 800-810-8060. California Wealth AdvisorsSee omnystudio.com/listener for privacy information.

Weston Lindeman is part of the team of All Star Advisors at Roberts Wealth Management and fills in for Paul Roberts on this podcast.  Weston covers tax strategies that are available for those 50 and older and are critical to consider on that journey to and through retirement.  He also talks about solutions to retirement roadblocks and offers tips on how to better understand and maximize your 401(k). You can reach Roberts Wealth Management by calling 800-891-8680. Roberts Wealth ManagementSee omnystudio.com/listener for privacy information.

Episode 512:  Ryan and Matthew explore the importance of rituals in retirement, a time of life characterized by significant change.  And, if you've ever been tempted to pay off debt by withdrawing from your retirement funds, don't miss this episode!

(11/17/23) Richard Rosso's adventures in Houston traffic, market seasonality, and stock-bond correlation: Why would the Fed cut interest rates now? WalMart's results: What are companies going to do during deflation? Richard calls the Butterball Turkey Hotline; spending survey results for 2023 & Consumer Sentiment indexes: Why are American's still spending? The WalMart Parking Lot Indicator. Withdrawal Rates & Recency Bias: Why Dave Ramsey is wrong about withdrawal rates. MorningStar: Dealing with higher fixed-income rates: not here to stay. Why the 4% Withdrawal Rate is back...for now. Sequence of Returns & Guaranteed Income when the withdrawal rate is not constant. SEG-1: Driving in Houston & Market Seasonality SEG-2: Butterball Turkey Talk Line & Spending Results for 2023 SEG-3: Withdrawal rates & Recency Bias: Ramsey is Wrong SEG-4: Sequence of Returns Risks & Guaranteed Income Hosted by RIA Advisors' Director of Financial Planning, Richard Rosso, CFP, w Senior Financial Advisor Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer -------- Watch today's show on our YouTube channel:   https://www.youtube.com/watch?v=iR6uRWwmEY8&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=14s -------- The latest installment of our new feature, Before the Bell, "When Not-so-Bad News is Good" is here: https://www.youtube.com/watch?v=kdv5qsINM00&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Our previous show is here: "The Year of The Magnificent Seven" https://www.youtube.com/watch?v=blvFign-AWA&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=10s -------- Articles Mentioned in this Show: "Employment Is Sending Signals: Recession Or Normalization?" https://realinvestmentadvice.com/employment-is-sending-signals-recession-or-normalization/ "Speculator Or Investor? What's The Difference?" https://realinvestmentadvice.com/speculator-or-investor-whats-the-difference/ "Bond Rates Drop As Recession Fears Return" https://realinvestmentadvice.com/newsletter/ ------- Get more info & commentary:  https://realinvestmentadvice.com/newsletter/ -------- Register for our next Candid Coffee: https://us06web.zoom.us/webinar/register/6316958366519/WN_jCrzdX9uSJSrg5MBN5Oy8g ------- 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/ #InvestingAdvice #RetirementSpending #4%Rule #Inflation #EconomicSentiment #ButterballTurkey #Thanksgiving #Markets #Money #Investing

After 10 long months, countless rehearsals, meetings and podcasts...we have finally wrapped principal photography on 'Withdrawal'. Special guest host Shub Agrawal sits down with director, Aaron Strand, producer, Jonathan Walls, and assistant director Scout Smith to talk through the experience.Jonathan on IG: @jonathanwalls23Scout on IG: @scoutsmith__Email us: behindtheslatepod@gmail.comInstagram: @behindtheslatepodTikTok: @behindtheslatepodYouTube: @behindtheslatepodcastProducer: Greg Kleinschmidt Hosted on Acast. See acast.com/privacy for more information.

(11/17/23) Richard Rosso's adventures in Houston traffic, market seasonality, and stock-bond correlation: Why would the Fed cut interest rates now? WalMart's results: What are companies going to do during deflation? Richard calls the Butterball Turkey Hotline; spending survey results for 2023 & Consumer Sentiment indexes: Why are American's still spending? The WalMart Parking Lot Indicator. Withdrawal Rates & Recency Bias: Why Dave Ramsey is wrong about withdrawal rates. MorningStar: Dealing with higher fixed-income rates: not here to stay. Why the 4% Withdrawal Rate is back...for now. Sequence of Returns & Guaranteed Income when the withdrawal rate is not constant. SEG-1: Driving in Houston & Market Seasonality SEG-2: Butterball Turkey Talk Line & Spending Results for 2023 SEG-3: Withdrawal rates & Recency Bias: Ramsey is Wrong SEG-4: Sequence of Returns Risks & Guaranteed Income Hosted by RIA Advisors' Director of Financial Planning, Richard Rosso, CFP, w Senior Financial Advisor Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer -------- Watch today's show on our YouTube channel: https://www.youtube.com/watch?v=iR6uRWwmEY8&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=14s -------- The latest installment of our new feature, Before the Bell, "When Not-so-Bad News is Good" is here: https://www.youtube.com/watch?v=kdv5qsINM00&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Our previous show is here: "The Year of The Magnificent Seven" https://www.youtube.com/watch?v=blvFign-AWA&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=10s -------- Articles Mentioned in this Show: "Employment Is Sending Signals: Recession Or Normalization?" https://realinvestmentadvice.com/employment-is-sending-signals-recession-or-normalization/ "Speculator Or Investor? What's The Difference?" https://realinvestmentadvice.com/speculator-or-investor-whats-the-difference/ "Bond Rates Drop As Recession Fears Return" https://realinvestmentadvice.com/newsletter/ ------- Get more info & commentary: https://realinvestmentadvice.com/newsletter/ -------- Register for our next Candid Coffee: https://us06web.zoom.us/webinar/register/6316958366519/WN_jCrzdX9uSJSrg5MBN5Oy8g ------- 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/ #InvestingAdvice #RetirementSpending #4%Rule #Inflation #EconomicSentiment #ButterballTurkey #Thanksgiving #Markets #Money #Investing

On the 15 November the UK Supreme Court decided that the United Kingdom's policy of sending asylum seekers to Rwanda was unlawful. In this short video Dr Kirsty Hughes explains the Court's reasoning, and considers the Government's response and possible next steps. Kirsty Hughes is an Associate Professor specialising in Human Rights Law. She is joint General Editor of the European Human Rights Law Review, Director of the Centre for Public Law, University of Cambridge, a member of Blackstone Chambers Academic Panel and Deputy Editor of Public Law. She is a co-convenor of the European Human Rights Law Conference. For more information about Dr Hughes, please refer to her profile at https://www.law.cam.ac.uk/people/academic/ke-hughes/2113 Law in Focus is a collection of short videos featuring academics from the University of Cambridge Faculty of Law, addressing legal issues in current affairs and the news. These issues are examples of the many which challenge researchers and students studying undergraduate and postgraduate law at the Faculty. This entry provides an audio source for iTunes.

Traditional TSP vs Roth TSP https://hawsfederaladvisors.com/traditional-tsp-vs-roth-tsp-the-ultimate-guide/ HSAs/FSAs https://hawsfederaladvisors.com/hsa-vs-fsa-the-ultimate-guide-for-federal-employees/ Free Copy of My Book: Building Wealth In the TSP: Your Road Map To Financial Freedom as A Federal Employee: https://app.hawsfederaladvisors.com/free-tsp-e-book FREE WEBINAR: "The 7 Biggest FERS Retirement Mistakes": https://app.hawsfederaladvisors.com/7biggestmistakeswebinar Want to schedule a consultation? Click here: https://hawsfederaladvisors.com/work-with-us/ Submit a question here: https://app.hawsfederaladvisors.com/question-submission I am a practicing financial planner, but I'm not your financial planner. Please consult with your own tax, legal and financial advisors for personalized advice.

Meet Dr. Doryn Chervin. Hear her benzo story. Her background in public health. Her take on benzos, BIND, setbacks, research, doctors, healing, the benzo community, and what has been going on behind the scenes at Easing Anxiety. Doryn Chervin holds a doctorate in public health and spent 40 years as a public health program strategist and evaluator. She is also on the board at the Alliance for Benzodiazepine Best Practices. Doryn took clonazepam for over 25 years, is now benzo-free, and works tirelessly helping those still struggling with dependence and BIND.Video ID: BFP128 CHAPTERS00:00 INTRODUCTION02:10 Welcome Doryn02:38 Doryn's Background04:38 Suicide Prevention Leadership06:15 Doryn's Benzo Story09:13 It's Really Possible to Heal 09:42 How Are You Feeling Now? 11:01 BIND Setbacks12:38 Journey to Learn / FDA 13:33 Doryn and the Alliance 14:57 FDA / Kaiser Research Study17:43 Working Together at EA 19:38  Partnering with the Community 21:42 Anxiety and Instability 22:59 There's No One Way25:32 Murphy Says Hi26:28 Upcoming Podcast on EA Plan27:10 Financial Sustainability 30:53 Getting to Know Doryn 31:55 Content & Services 34:56 An Information Resource35:55 A Strong Research Background39:26 The Human Connection43:03 We Want to Hear from You46:57 Sub Group Peer Support49:21 Live / In-Person Events51:00 Falling Asleep to the Podcast52:04 Burnout in Benzo Community54:02 EA Updates / Next Podcast55:25 Doryn's Struggle with Anxiety57:04 CLOSING    REFERENCESFeedback—    What Do You Want to See at Easing Anxiety? — https://easinganxiety.com/feedbackResources—    Doryn's Introductory Blog Post — https://www.easinganxiety.com/post/introducing-dr-doryn-chervin —    The Alliance for Benzodiazepine Best Practices — https://benzoreform.org  —    The National Action Alliance for Suicide Prevention — https://theactionalliance.org —    FDA 2020 Boxed Warning on Benzodiazepines https://www.easinganxiety.com/post/new-fda-warning-on-benzodiazepines-what-does-it-really-mean —    The Ashton Manual — https://easinganxiety.com/ashton —    BOOK: Benzo Free: The World of Anti-Anxiety Drugs and the Reality of Withdrawal — https://easinganxiety.com/book  —    Benzodiazepine Action Work Group — https://benzoaction.org—    A Peacock Consulting (Angela Peacock) — https://apeacockconsulting.com  SITE LINKSVISIT US ONLINE — Website: https://www.easinganxiety.com — YouTube: https://youtube.com/@easinganx — Twitter: https://twitter.com/@easinganx — Facebook: https://facebook.com/easinganxfb — Instagram: https://instagram.com/easinganx SUBSCRIBE / SUPPORT US — Join Our Mailing List: https://easinganxiety.com/subscribe — Make a Donation: https://easinganxiety.com/donate  PODCAST SUMMARYThis podcast is dedicated to those who struggle with side effects, dependence, and withdrawal from benzos, a group of drugs from the benzodiazepine and nonbenzodiazepine classes, better known as anti-anxiety drugs, sleeping pills, sedatives, and minor tranquilizers. Their common brand names include Ambien, Ativan, Klonopin, Lunesta, Valium, and Xanax. DISCLAIMERAll content provided on this YouTube channel is for general informational purposes only and should never be considered medical or health advice. The author of the content provided on this channel is not engaged in rendering medical, health, psychological, or any other kind of personal or professional services. Health-related information provided is not a substitute for medical advice and should not be used to diagnose or treat health problems or to prescribe any medical devices or other remedies. Never disregard medical advice or delay in seeking it.Please visit our website for our complete disclaimer at https://www.easinganxiety.com/disclaimer.  MUSIC CREDITS— All music provided / licensed through Storyblocks (https://www.storyblocks.com)  Benzo Free Theme— Title: "Walk in the Park" — Artist: Neil Cross PRODUCTION CREDITSEasing Anxiety is produced by…Denim Mountain Press https://www.denimmountainpress.com

The latest news from home and abroad, with a close eye on Northeast Asia and the Korean Peninsula in particular

UFC play-by-play voice Jon Anik joins MMA Fighting's Mike Heck to preview Saturday's UFC 295 card, talks Jon Jones' withdrawal, Sergei Pavlovich vs. Tom Aspinall for the interim heavyweight title, Jiri Prochazka vs. Alex Pereira getting promoted to the main event, Francis Ngannou's future after his fight with Tyson Fury, Islam Makhachev and Khamzat Chimaev's wins at UFC 294, and more. Follow Mike Heck: @MikeHeck_JR Subscribe to MMA Fighting Check out our full video catalog Like MMA Fighting on Facebook Follow on Twitter Read More: http://www.mmafighting.com Learn more about your ad choices. Visit podcastchoices.com/adchoices

UFC play-by-play voice Jon Anik joins MMA Fighting's Mike Heck to preview Saturday's UFC 295 card, talks Jon Jones' withdrawal, Sergei Pavlovich vs. Tom Aspinall for the interim heavyweight title, Jiri Prochazka vs. Alex Pereira getting promoted to the main event, Francis Ngannou's future after his fight with Tyson Fury, Islam Makhachev and Khamzat Chimaev's wins at UFC 294, and more. Follow Mike Heck: @MikeHeck_JR Subscribe to MMA Fighting Check out our full video catalog Like MMA Fighting on Facebook Follow on Twitter Read More: http://www.mmafighting.com Learn more about your ad choices. Visit podcastchoices.com/adchoices

UFC play-by-play voice Jon Anik joins MMA Fighting's Mike Heck to preview Saturday's UFC 295 card, talks Jon Jones' withdrawal, Sergei Pavlovich vs. Tom Aspinall for the interim heavyweight title, Jiri Prochazka vs. Alex Pereira getting promoted to the main event, Francis Ngannou's future after his fight with Tyson Fury, Islam Makhachev and Khamzat Chimaev's wins at UFC 294, and more. Follow Mike Heck: @MikeHeck_JR Subscribe to MMA Fighting Check out our full video catalog Like MMA Fighting on Facebook Follow on Twitter Read More: http://www.mmafighting.com Learn more about your ad choices. Visit podcastchoices.com/adchoices

In today's episode, Gina discusses alcohol and how it can affect people with anxiety. Alcohol has a wide range of effects and can affect different individuals in different ways. One interesting paradox with alcohol is how it can suppress cortisol production on its initial pass through the body, but upon elimination cortisol production (and thus anxiety) increases. Listen in for more knowledge and wisdom about how alcohol may be affecting you and your anxiety and learn how to fix it! Huberman Lab's episode titled What Alcohol Does to Your Body, Brain & Health https://www.hubermanlab.com/episode/what-alcohol-does-to-your-body-brain-health Please visit our Sponsor Page to find all the links and codes for our awesome sponsors! https://www.theanxietycoachespodcast.com/sponsors/ Thank you for supporting The Anxiety Coaches Podcast. Find even more peace and calm with our Supercast premium access membership! https://anxietycoaches.supercast.com/ Here's what's included for $5/month: ❤ New Ad-Free episodes every Sunday and Wednesday ❤ Access to the entire Ad-free back-catalog with over 600 episodes ❤ Premium meditations recorded with you in mind ❤ And more fun surprises along the way! All this in your favorite podcast app! To learn more go to: https://www.theanxietycoachespodcast.com Join our Group Coaching Full or Mini Membership Program  Learn more about our One-on-One Coaching What is anxiety? Quote: The day after drinking can be a minefield of anxiety, filled with regrets and hangover-induced worries. -Dr. Lisa Anderson, Addiction Specialist Chapters 0:00:24 Introduction: Exploring Unseen Anxiety 0:02:27 The Potential for Anxiety from Drinking Alcohol 0:12:26 The Chronic Effects of Alcohol on Cortisol Levels 0:14:17 Managing Cortisol Levels and Anticipatory Stress 0:18:47 The Aftermath of Drinking: Anxiety and Regrets Summary In this episode of the Anxiety Coaches Podcast, Gina Ryan explores the often overlooked relationship between alcohol consumption and anxiety. She emphasizes that this issue should be approached from a health standpoint rather than a moral perspective. Ryan highlights several scenarios in which anxiety can arise from alcohol, including cravings for a drink, social pressures, feelings of guilt or regret from past experiences, and concerns about physical and mental health. She points out that even after the alcohol has left the body, anxiety can linger. Ryan also delves into the impact of alcohol on cortisol levels, a stress hormone, both during and after drinking. To further educate listeners, she recommends checking out Dr. Andrew Huberman's podcast for more in-depth information on the topic. Ultimately, Ryan's goal is to shed light on the connection between alcohol and anxiety and provide strategies for effectively managing it. During this segment of the podcast, I delve into the effects of alcohol on cortisol levels and stress. I explain that initially, alcohol can suppress the release of cortisol, creating a sense of relaxation and reduced stress. However, as the alcohol begins to leave the system, there is a rebound effect, leading to an increase in cortisol levels. Additionally, alcohol can disrupt sleep, which further contributes to elevated cortisol levels. Individuals struggling with alcohol use disorders may experience chronic stress and anxiety, resulting in prolonged elevation of cortisol levels, even during periods of not actively drinking. Withdrawal from alcohol can also intensify stress levels and anxiety, resulting in withdrawal symptoms like panic attacks. To mitigate the impact of alcohol on cortisol levels, I suggest individuals limit their alcohol consumption and incorporate stress reduction techniques such as exercise, meditation, and maintaining a healthy lifestyle. Learn more about your ad choices. Visit megaphone.fm/adchoices

Buy Nicolas' Book: https://www.routledge.com/Mental-Health-and-Social-Withdrawal-in-Contemporary-Japan-Beyond-the-Hikikomori/Tajan/p/book/9780367645724Discover Nicolas' Book via open access: http://www.taylorfrancis.com/books/e/9781351260800This book examines the phenomenon of social withdrawal in Japan, which ranges from school non-attendance to extreme forms of isolation and confinement, known as hikikomori. Based on extensive original research including interview research with a range of practitioners involved in dealing with the phenomenon, the book outlines how hikikomori expresses itself, how it is treated and dealt with and how it has been perceived and regarded in Japan over time. The author, a clinical psychologist with extensive experience of practice, argues that the phenomenon although socially unacceptable is not homogenous, and can be viewed not as a mental disorder, but as an idiom of distress, a passive and effective way of resisting the many great pressures of Japanese schooling and of Japanese society more widely.Support the podcast:Linktree: https://linktr.ee/acidhorizonAcid Horizon on Patreon: https://www.patreon.com/acidhorizonpodcastZer0 Books and Repeater Media Patreon: https://www.patreon.com/zer0repeaterMerch: http://www.crit-drip.comOrder 'Anti-Oculus: A Philosophy of Escape': https://repeaterbooks.com/product/anti-oculus-a-philosophy-of-escape/Order 'The Philosopher's Tarot': https://repeaterbooks.com/product/the-philosophers-tarot/Subscribe to us on Apple Podcasts: https://tinyurl.com/169wvvhiHappy Hour at Hippel's (Adam's blog): https://happyhourathippels.wordpress.com​Revolting Bodies (Will's Blog): https://revoltingbodies.com​Split Infinities (Craig's Substack): https://splitinfinities.substack.com/​Music: https://sereptie.bandcamp.com/ and https://thecominginsurrection.bandcamp.com/Support the showSupport the podcast:Linktree: https://linktr.ee/acidhorizonAcid Horizon on Patreon: https://www.patreon.com/acidhorizonpodcastZer0 Books and Repeater Media Patreon: https://www.patreon.com/zer0repeaterMerch: http://www.crit-drip.comOrder 'Anti-Oculus: A Philosophy of Escape': https://repeaterbooks.com/product/anti-oculus-a-philosophy-of-escape/Order 'The Philosopher's Tarot': https://repeaterbooks.com/product/the-philosophers-tarot/Subscribe to us on Apple Podcasts: https://tinyurl.com/169wvvhiHappy Hour at Hippel's (Adam's blog): https://happyhourathippels.wordpress.com​Revolting Bodies (Will's Blog): https://revoltingbodies.com​Split Infinities (Craig's Substack): https://splitinfinities.substack.com/​Music: https://sereptie.bandcamp.com/ and https://thecominginsurrection.bandcamp.com/

Brett Yoakum joins  @AfterburnPodcast  for episode 83. Brett is a C-17 loadmaster a former police officer and a firefighter. Brett recalls his harrowing time in Afghanistan, where he found himself in the midst of chaos during the Kabul evacuation missions. Grab the newsletter

FRIENDS AND ENEMIES Join us for some QUALITY Bitcoin and economics talk, with a Canadian focus, every Monday at 7 PM EST. This week in Bitcoin: - Coinbase Withdrawal Limits - New WhatsMiners and Canaan ASICs - Cathedra Releases Cathedra OS w/ Drew Armstrong of Cathedra - KYC and Kraken And much more Please press that like button and don't forget to subscribe :) #Bitcoin #inflation #economics From a couple of Canucks who like to talk about how Bitcoin will impact Canada. As always, none of the info is financial advice. Website: www.CanadianBitcoiners.com Discord: https://discord.com/invite/YgPJVbGCZX ______________________________________________ This show is sponsored by: easyDNS - https://easydns.com/ EasyDNS is the best spot for Anycast DNS, domain name registrations, web and email services. They are fast, reliable and privacy focused. You can even pay for your services with Bitcoin! Apply coupon code 'CBPMEDIA' for 50% off initial purchase Bull Bitcoin - https://mission.bullbitcoin.com/cbp The CBP recommends Bull Bitcoin for all your BTC needs. With their new kyc-free options, there's never been a quicker, simpler, more private and (most importantly) cheaper way to acquire private Bitcoin. Use the link above for $20 bones, and take advantage of all Bull Bitcoin has to offer. --- Send in a voice message: https://podcasters.spotify.com/pod/show/canadian-bitcoiners/message

In this episode, Lisa takes on the Biden administration's withdrawal from Afghanistan. Cheryl Rex, a Gold Star mother who lost her son in the Kabul airport attack, shares her experiences and frustrations with the administration. Rex calls for an appeal for transparency and accountability from the government regarding the Afghanistan situation. The Truth with Lisa Boothe is part of the iheartRadio Podcast Network - new episodes debut every Monday & Thursday.See omnystudio.com/listener for privacy information.

In this episode, Lisa takes on the Biden administration's withdrawal from Afghanistan. Cheryl Rex, a Gold Star mother who lost her son in the Kabul airport attack, shares her experiences and frustrations with the administration. Rex calls for an appeal for transparency and accountability from the government regarding the Afghanistan situation. The Truth with Lisa Boothe is part of the iheartRadio Podcast Network - new episodes debut every Monday & Thursday.Follow Clay & Buck on YouTube: https://www.youtube.com/c/clayandbuckSee omnystudio.com/listener for privacy information.

Greetings Midlifers! Welcome to this sobering (pun intended) episode of the midlife mommas. Colleen's story may resonate with you...in parts or in it's entirely. We are SO excited to have her on the show!  Colleen's story is not an unusual one. She talks about drinking in the context that it's most familiar, in casual and social settings. Many of us have used alcohol to 'take the edge off'. But when is it too much? How is alcohol affecting your health? Your decision making? Your sleep? Your mental health?I know you're going to love Colleen as much as we do!00:02:43 Withdrawal effects, ignorance, and alcohol addiction.00:04:06 Alcohol's impact on adulthood and menopause.00:06:53 Hiding alcohol addiction with clever deception.00:11:05 AA philosophy: brain programmed, belief control, not science; pursue happiness, not sobriety.00:14:25 Dopamine depletion leads to lightweight alcohol effects.00:19:32 Delaying start time, controlling wine consumption.00:22:28 Enjoy wine mindfully, not unconsciously drinking.00:25:59 Tools for repairing dopamine levels after substance abuse.00:29:21 Embrace authenticity, be powerful, live authentically.00:30:38 Admitting not okay, being seen, powerful.00:34:13 Fixed mindset: "I'm an alcoholic and can't control myself."Growth mindset: Learn to change thoughts & neuroplasticity.Colleen Kachmann, MSc, CPRC, Sober-ish Recovery CoachFree Masterclass: Change Your Thinking About DrinkingPodcast: https://recoverwithcolleen.com/podcastInstagram and Facebook: @RecoverwithColleen 3Stay Connected!Amelia Website: https://www.thehelpfulplate.com/ IG: https://www.instagram.com/thehelpfulplate/ Cam Website: https://www.camoyler.com/ IG: https://www.instagram.com/heymomma_cam/ TikTok: https://www.tiktok.com/@heymomma_cam Midlife Mommas IG: https://www.instagram.com/midlife.mommas/ Please share, rate, and review the podcast. We appreciate you! ❤️

Like to know more about MIA, its mission or rethinking psychiatry more broadly? On our podcast, MIA founder Robert Whitaker will answer your questions. Email questions to askmia@madinamerica.com by November 10 and we will pick a selection. *** Brooke Siem is a writer, speaker, and advocate for the safe de-prescribing of psychiatric drugs. Her work on antidepressant withdrawal has appeared in The Washington Post, the New York Post, Psychology Today, and many more. She is also an award-winning chef and Food Network Chopped Champion. In this interview, we talk about her experiences of withdrawal from a cocktail of psychiatric drugs and her debut memoir, May Cause Side Effects, published in 2022 which is one of the first books on antidepressant withdrawal to make it to the mass market. *** Thank you for being with us to listen to the podcast and read our articles this year. MIA is funded entirely by reader donations. If you value MIA, please help us continue to survive and grow. Mad in America podcasts and reports are made possible, in part, by a grant from the Thomas Jobe Fund. To find the Mad in America podcast on your preferred podcast player, click here  

AP correspondent Ben Thomas reports on Congress-Speaker-Johnson

In this episode, Chad & Rob dive into the complex world of retirement income and strategies. From taxes and healthcare costs to investment withdrawal and Social Security, Chad breaks down the different phases of retirement and the financial considerations that come with each stage. He also discusses the importance of having a solid retirement plan, especially for those aged 55 and older with significant investable assets. Chad also highlights an upcoming event, the "Seven Tests of Retirement Readiness," where attendees can gain valuable insights and guidance on navigating the complexities of retirement. Whether you're looking to optimize your retirement income or make informed financial decisions, this episode offers valuable advice and expert insights from a seasoned financial planner.   Timestamps: 00:01:27 Retirement income strategies and phases. 00:05:08 Social Security benefits and taxes. 00:10:11 Consider bond laddering for safety. 00:15:00 Be cautious when rolling over a 401k into an IRA, especially if you're a high income earner or planning to retire before age 59 and a half. 00:20:29 Rolling over 401k to IRA. 00:26:00 401k rollovers require careful planning. 00:30:37 Retirement plan management options. 00:35:24 Tech companies dominate market index. 00:40:29 Active management can pay off. 00:46:00 Proper asset allocation reduces risk. 00:50:05 Individual bond ladders offer stability. 00:55:00 Careful consideration before buying. 01:00:47 Real estate analysis for retirement. 01:04:30 Real estate investment options explained.    

Hour 3 -  Good Thursday morning! Here's what Nick Reed covers this hour: Nick interviews our ABC Books AOTW. A recently-resurfaced 2007 video of President Joe Biden shows that he knew exactly what was likely to happen when American troops pulled out of Afghanistan — and despite that, he did it anyway in 2021.

This week we're going back to the Roman Empire with Centurion! Join us as we learn about the Picts, Roman armor, the 9th Legion, and more! Sources: Michael Squire, Embodied Ambiguities on the Prima Porta Augusta. Art History 36, 2 (2013) "Muscle Cuirass". Australian National University. Available at http://artserve.anu.edu.au/raid1/student_projects97/armour/muscle/muscle.html Joshua J Mark, "Picts" World History Encyclopedia, available at https://www.worldhistory.org/picts/ Tacitus' Account of the Battle of Mons Graupius, ed. Joshua J. Mark, World History Encyclopedia, available at https://www.worldhistory.org/article/776/tacitus-account-of-the-battle-of-mons-graupius/#:~:text=Tacitus%20records%20that%20the%20Romans,Romans%20marched%20forward%20in%20formation. Julianna Grigg, "The Romans and the Picts," The Picts Re-Imagined (Arc Humanities Press, 2018). https://www.jstor.org/stable/j.ctvfxvd0p.7  David J. Breeze and Brian Dobson, "A View of Roman Scotland in 1975," Glasgow Archaeological Journal 4 (1976): 124-43. https://www.jstor.org/stable/44811052   J.G. Scott, "The Roman Occupation of South-West Scotland from the Recall of Agricola to the Withdrawal under Trajan," Glasgow Archaeological Journal 4 (1976): 29-44. https://www.jstor.org/stable/44811041  D.J. Woolliscroft, "More thoughts on why the Romans failed to conquer Scotland," Scottish Archaeological Journal 22:2 (2000): 111-22. https://www.jstor.org/stable/27917432  Kate Ravilious, "Land of the Picts," Archaeology: A Publication of the Archaeological Institute of America (Sep/Oct 2021). https://www.archaeology.org/issues/441-2109/letter-from/9932-scotland-picts   Joshua L. Mark, "Tacitus' Account of the Battle of Mons Graupius," 9 January 2015, https://www.worldhistory.org/article/776/tacitus-account-of-the-battle-of-mons-graupius/   Tom Stanier, "The Brigantes and the Ninth Legion," Phoenix 19:4 (1965): 305-13. https://www.jstor.org/stable/1085830  Menachem Mor, "Two Legions: The Same Fate? (The Disappearance of the Legions IX Hispana and XXII Deiotariana)," Zeitschrift für Papyrologie und Epigraphik, 62 (1986): 267-78. https://www.jstor.org/stable/20186341  David J. Breeze and Brian Dobson, "Roman Military Deployment in North England," Britannia 16 (1985): 1-19. https://www.jstor.org/stable/526389  R.P. Wright, "Tile-Stamps of the Ninth Legion Found in Britain," Britannia 9 (1978): 379-82. https://www.jstor.org/stable/525953  Miles Russell, "The Roman Ninth Legion's mysterious loss," BBC (16 March 2011). https://www.bbc.com/news/magazine-12752497  Wiki: https://en.wikipedia.org/wiki/Centurion_(film)  Roger Ebert, "Landscape painting with blood and guts," Rogerebert.com/reviews/centurion-2010 https://www.boxofficemojo.com/title/tt1020558/ 

In Chapter 7, we dive into retirement withdrawal strategies. We will look at the 4% withdrawal rule, the buckets strategy (which is similar to the barbel strategy), Dynamic withdrawals, the RMD rule, Spending floors, only spending dividends and interest and never touching the principal. There are pros and cons to each of these strategies but at the end of the day you will need to pick the strategy that makes the most sense for you. The Retirement Budget Calculator is an intuitive tool that promises ease and accuracy. However, like any tool, user error could potentially lead to costly mistakes. To avoid this, let the experienced advisors at Parker Financial LLC guide you. When you hire our team, we offer a comprehensive review of your current investments, taxes, and the data in the Retirement Budget Calculator. We will ensure your plan's completeness and accuracy, helping you create an investment strategy, assist with tax planning, and monitor your plan to maximize your retirement benefits. At Parker Financial we offer a well-crafted retirement investment strategy, deeply rooted in academic data and financial science which can be the key to a prosperous retirement. Don't leave your future to chance. Take the first step towards a sound retirement. Schedule your complimentary discovery session now by visiting Parker-Financial.net let us help you make the most of your retirement years.  

Audio Transcript: This media has been made available by Mosaic BostonChurch. If you'd like to check out more resources, learn about Mosaic Boston,or donate to this ministry, please visit mosaicboston.com. Heavenly Father, we thank You for Your Word, and we pray that You make us a people that love Your Word and love every part of Your Word and people that love Your law even. As the psalmist in Psalm 119 says, "O, how I love Your law. It's my meditation all the day. Your commandment makes me wiser than my enemies for it is ever with me." Lord, I pray that You give us a love for Your law, and I pray that You give us a desire to meditate on it all the day. And I pray that You make us a people who grow in wisdom and knowledge and discernment. Lord, as we continue our sermon series in the Gospel of Mark, I pray that You focus our attention on not just how Jesus taught or how He lived, but how He did everything He did according to Your will, to fulfill Your commandments. And Lord, I pray that You extend grace to us, that if we and where we break commandments that You forgive us and then You give us grace to live according to the law. Lord, I pray that You bless our time in the holy Scriptures. Send us the Holy Spirit. Holy Spirit, regenerate anyone who's not yet a believer, speak to their hearts, and draw them to Yourself. And Lord, fill them with the power of the Holy Spirit. And continue to refine Your church, Lord, to continue to build up Your body and with the washing of water, with the Word continue to cleanse Your bride. We pray all this in Christ's holy name. Amen. We're continuing our sermon series through the Gospel of Mark. We call it Kingdom Come: The Gospel of Mark and the Secret of God's kingdom. And the title of the sermon is Yes, God Really Said. There are two ways offered to people, two ways of life. One way promises God likeness and one promises godliness. Both offer a way of becoming like God. The first one is offered by Satan, God's adversary. He tempts each person with the following: "Reject God's law and you'll become like God, God likeness, defining what is good and evil for yourself. The second way is offered by Jesus Christ, the Son of God, who says, "Follow me in keeping the law of God from the heart." Satan is too crafty to just come out and say, "Reject God's law" or "Follow me." No, the way Satan builds his kingdom is by veiling, God's law, by obfuscating, distorting it. And he does it by undermining it with the question, did God really say? Did God actually say? Those are his very first words spoken in Scripture when he tempts Eve, "Did God really say that on the day that you eat of the tree of knowledge of good and evil you will die." Jesus Christ comes declaring with divine authority, "Yes, God really did say. God really said it." God really did give us a law, a perfect law, an everlasting law written by the very fingers of God. It was initially just called the Word, the Word of God, written with His finger, the Ten Commandments. Trivia question: who was the very first person to break all Ten Commandments in one day? It was Moses when he broke the Ten Commandments as he's coming down from the mountain. I asked two people this week and within two seconds of asking, I asked my third daughter and she nailed it. I was like, "How did you know?" She's like, "It's obvious." But that happened because it's a symbol, it's a symbol of the fact that God has given us His law. And the very first thing that the person entrusted with the law, the very first thing he does is break it. Why does he break it? Because he sees the people of God not worshiping God. His heart was broken by the fact that their hearts were so far from God that they wanted nothing to do with worshiping God. And therefore, God does send us the law and the prophets. God gave the Ten Commandments through Moses to all of humanity in all places for all time. God also provided a sacrificial system for atonement when the people of God broke commandments. Then God sends Jesus Christ as the king to establish God's kingdom on earth. What are the laws of the kingdom? It's the Ten Commandments. Matthew 5:17-20, Jesus said, "Do not think that I have come to abolish the law or the prophets. I have not come to abolish them but to fulfill them. For truly, I say to you, until heaven and earth pass away, not an iota, not a dot will pass from the law until all is accomplished. Therefore, whoever relaxes one of the least of these commandments and teaches others to do the same will be called least in the kingdom of heaven. But whoever does them and teaches them will be called great in the kingdom of heaven. For I tell you, unless your righteousness exceeds that of the scribes and Pharisees, you'll never enter the kingdom of heaven." So when Jesus says, "I've come to fulfill the law," what does He mean? To fulfill the law means that Jesus kept the law, He followed the law. He kept every one of the Ten Commandments from the heart, and then He offers Himself as a sacrifice to provide atonement for our law-breaking. Then He says, "Repent of your breaking of God's law. Receive forgiveness. Receive a new heart. And in that new heart, the wineskins, new wineskins and filled with new wine of the Holy Spirit and with the indwelling power of the spirit in the new heart. We want to follow God from the heart. We want to obey His laws as they're written on our heart. The righteous law of God, which condemns our sin, is as permanent as the good news from God, which promises salvation from sin's judgment. It's an inside-out kingdom because God regenerates our hearts, writes His law on our hearts. We want to obey the letter of the law and also the spirit of the law, which is love. It all starts in the heart, but it doesn't stay in the heart. And that's really the issue with Jesus and the Pharisees. We keep coming up on Him going toe to toe with them in debate on the Sabbath. Why? What's the fight over? It's what is God's law? They ended up adding traditions and regulations, their own law on top of God's law to obfuscate the law. So today we're in Mark 3:1-19. Would you look at the text with me? "Again He," Jesus, "entered the synagogue, and a man was there with a withered hand. And they watched Jesus to see whether He would heal on the Sabbath, so that they might accuse Him. And He said to the man with the withered hand, 'Come here.' And He said to them, 'Is it lawful on the Sabbath to do good or to do harm, to save life or to kill?' But they were silent. And He looked around at them with anger, grieved at their hardness of heart, and said to the man, 'Stretch out your hand.' He stretched it out, and his hand was restored. The Pharisees went out and immediately held counsel with the Herodians against Him, how to destroy Him. "Jesus withdrew with His disciples to the sea, and a great crowd followed, from Galileo and Judea and Jerusalem and Idumea and from beyond the Jordan and from around Tyre and Sidon. When the great crowd heard all that He was doing, they came to Him. And He told His disciples to have a boat ready for Him because of the crowd, lest they crush Him, for He had healed many so that all who had diseases pressed around Him to touch Him. And whenever the unclean spirits saw Him, they fell down before Him and cried out, 'You are the Son of God.' But He strictly ordered them not to make Him known. "And He went up on the mountain and called to Him those whom He desired, and they came to Him. And He appointed 12, whom He also named apostles, so they might be with Him and He might send them out to preach and have authority to cast out demons. He appointed to the 12: Simon, to whom He gave the name Peter, James the son of Zebedee and John the brother of James, to whom He gave the name Boanerges, that is, Sons of Thunder, Andrew and Philip, and Bartholomew, and Matthew, and Thomas, and James the son of Alphaeus, and Thaddaeus, and Simon the Zealot, and Judas Iscariot, who betrayed Him. This is the reading of God's holy and infallible, authoritative Word. May He write these eternal truths upon our hearts. Three points to frame up our time. First, King Jesus defends the law of God. Second, King Jesus endures the crush of service. And third, King Jesus appoints the 12 apostles. First, King Jesus defends the law of God. Here in verse one it says, "Again He entered the synagogue, and a man was there with a withered hand." The emphasis here is on the word again. This was the pattern of Jesus' life, on the Sabbath day, He would go to the synagogue, which was the place of the gathering of the people of God. He did this on a weekly basis. He enters this synagogue, this was his way of going to church. And the way of Jesus is the way of God's law. He fulfilled God's law. When He says, 'Follow me,' He say follow me in obeying God's commandments. And thus the emphasis on the fourth commandment, thus the emphasis on the gathering to worship God on the Sabbath. He's keeping the fourth commandment, and He's doing it from the heart. He gathers on the Lord's day to give God His due glory because He loves the Lord His God with all His heart, soul, strength, and mind. And in the synagogue are the Pharisees, the representatives of big religion, the religious establishment. They were pitted as the enemies of Christ here because Christ's popularity is growing His authority, it's self-authenticating. They're losing authority, and they recognize that Jesus is a threat to their dominion, so to speak. In verse two, "They watched Him to see whether He would heal Him on the Sabbath, so that they might accuse Him." It's a gentleman with a withered hand and most likely it's an image of paralysis, most likely he couldn't work. The Pharisees are watching Jesus closely because they're concerned with Sabbath observance. The word for watch here is used in the Septuagint and other places in the salter of sinners who are lying in wait for a righteous person to slay him, lying in wait. So the Pharisees who objected to Jesus eating with sinners, well, they are revealing themselves to be sinners here. So that they might accuse Him, they want to bring charges against Him because they're breathing murderous plots in their hearts. So this is the second run in with big religion over the Sabbath between the Pharisees and Jesus. In the previous text, they accused Jesus' followers of not following the Sabbath law. Here they're accusing Jesus Himself. Why? Because the deliberate transgression of the Sabbath law carried the death penalty. If they can find Jesus breaking the Sabbath, they can bring charges against Him in order to execute Him. Exodus 31:12, "And the Lord said to Moses, 'You are to speak to the people of Israel and say, "Above all you shall keep My Sabbaths, for this is a sign between Me and you throughout your generations, that you may know that I, the Lord, sanctify you. You shall keep the Sabbath because it is holy for you. Everyone who profanes it shall be put to death. Whoever does any work on it, that soul shall be cut off from among the people. Six days shall work be done, but the seventh day is a Sabbath of solemn rest, holy to the Lord. Whoever does any work on the Sabbath shall be put to death. Therefore the people of Israel shall keep the Sabbath, observing the Sabbath throughout their generations as a covenant forever. It is a sign forever between me and the people of Israel that in six days the Lord made heaven and earth, and on the seventh day He rested and was refreshed."'"And He gave to Moses, when He had finished speaking with him on Mount Sinai, the two tablets of the testimony, tablets of stone, written with the finger of God. And then in Numbers 15:32, "While the people of Israel were in the wilderness, they found a man gathering sticks on the Sabbath. And those who found him gathering sticks brought them to Moses and to Aaron and to all the congregation. They put him in custody, because it had been made clear what should be done to him. And the Lord said to Moses, 'The man shall be put to death, all the congregations shall stone him with stones outside the camp.' And all the congregation brought him outside the camp and stoned him to death with stones as the Lord commanded Moses." So Jesus is here to fulfill the law. He's fulfilling it. Now the question is, is He transgressing the law by healing on the Sabbath? Well, Jesus is going to heal the man on the Sabbath. He has an opportunity to do a good work. And no, He's not transgressing the law, as He's going to explain, because the law was given for the people of God as a day that is designated in holiness. This day is different. This day is devoted to the Lord, and it's devoted to good works. So no, doing good works on the Sabbath does not transgress the fourth commandment. Verse three, He tells the man, "Come here." Jesus calls him to stand up publicly. Jesus knows that the man wants to be healed, and if the man truly desires healing, he must confess his need and show his faith in the power of Jesus Christ by standing up in the face of the whole congregation and displaying his need. It's a moment of public confession, of faith, and potentially costly confession. He understands by standing up and doing what Jesus says, he is going against the religious establishment which might come at a cost. This is one of the reasons why baptism is what it is. Jesus Christ commanded us to be baptized, and baptism is a public profession of faith. When we do baptism here at Mosaic, we ask that whoever's being baptized to come on up and to answer one question, why do you love Jesus Christ? We do that because that's the pattern of Holy Scripture and that's commanded to us. The person gets up, and they're confessing their need for Christ. "I've broken the commandments. I need Christ. I need His sacrifice. I need His grace. And I commit to follow Jesus Christ all of my days." So that's what He's doing here. And then Jesus, before He heals the man, He has a theological debate with the Pharisees by asking them a question that leaves them silent. He said to them, "Is it lawful on the Sabbath to do good or to do harm, to save life or to kill?" But they were silent. And here Jesus is getting at the intent of the law, and He's saying, "What is the point of the law?" The point of the law is that God is a God who loves life. He's the creator. God is love, so whatever he does command, the point of what He commands is love. He's given us the law because He loves us, He wants us to flourish. This is the pattern of the less life, the life of shalom, the life of universal flourishing. So on the Sabbath He's saying, "What's lawful? What's lawful? Is it lawful to do good or to do harm?" The point of the Sabbath is to designate one whole day where we do good, where one-seventh of our waking hours are devoted to God, loving God with all our heart, soul, strength, and mind, and to love people, to do good. The reason why they fall silent is because they understand that in their hearts they are intending to destroy Christ. What are they doing in the Sabbath? Are they doing good, or they doing harm? They're doing harm. So Jesus reads their minds, He asks a question that answers the doubts of their heart, and He's like, "Obviously the point of the Sabbath is to do good, is to promote life, is to promote rest in the Lord." And also, He is showing them their inconsistency. On the Sabbath they allowed for people to rescue animals. Obviously if it's true for animals that they could be saved on the Sabbath, it's an order of magnitude more true for humans as image bearers of God. This is more explicit in Matthew 12 where it says, "He went on from there and entered their synagogue. And a man was there with a withered hand. They asked Him, "Is it lawful to heal on the Sabbath?" so that they might accuse Him. He said to them, "Which one of you who has a sheep, if it falls into a pit on the Sabbath, will not take hold of it and lift it out? Of how much more value is a man than a sheep. So it is lawful to do good on the Sabbath." According to most of the rabbis, they would argue that what Jesus here is doing transgresses the Sabbath law because the man is not in imminent danger. According to most of the rabbis, and certainly those the Pharisees followed, unless the person's life is at stake, it's work to help the person. But there's nothing remotely even close to that in the Old Testament. Why are they judging Him according to a standard that's not in Scripture? Well, by the time that Christ has come, they have created an elaborate set of rules regarding what could and could not be done on the Sabbath. And their rules, their own regulations, their own traditions were presented as inert, infallible, and more authoritative than the Word of God itself. Jesus here is saying, "No, I'm not going to be ruled by human tradition. I'm not going to be ruled by human rules and laws. I'm going to be ruled only by the law of God." Jesus was, and that's why He's the righteous king. We always have to be careful of that. Whenever we look at the faith, we have to ask, "Is this in Scripture? Is this from the Holy Scriptures, or is whatever we're doing, whatever we're teaching, whatever we're following, is it based in tradition and human tradition?" So Jesus as the holy one of God, He knows exactly what God's law says, and He knows the letter of the law and the spirit of the law, and He's saying that, "No, on the Sabbath we should be doing kindness. It is permitted. We should be doing good works. There's no better day of the week to do good works than on the Sabbath." The Pharisaic attitude, on the other hand, not only misses the point of the day but smacks of indifference to this human being who's suffering. So they were silent. Their silence is hostile. They understand that they have been publicly humiliated because how do you answer that question? There's only one answer, and they know that Jesus is right. They understand that they've lost face in front of the people, in front of the crowd, which makes them for dangerous enemies. To what extent was it lawful to watch for the life of another as they were doing? They're looking to destroy Christ. Verse five, "And He looked around at them with anger, grieved at their hardness of heart, and said to the man, 'Stretch out your hand.' He stretched it out, and his hand was restored." There's anger in Christ's heart because He understands that they don't have love for God and they don't have love for neighbors. So they are law-breakers and they present themselves as the guardians of the law. So he's angry at that. He's angry and grieved at their hardness of heart. Hardness of heart is willful refusal. When you see a miracle in front of you, when you see the power of God in front of you, when the truth is evident and you just choose to refuse it, choose to not believe. Some of the commentators are saying that this appeal of hardness, it's actually an illusion to in the Old Testament where Pharaoh exhibited hardness of heart. He saw miracle after miracle after miracle after miracle, and he chooses to harden his own heart, and then God hardens Pharaoh's heart as well. Some of the commentaries say that that's why the Pharisees, it's a play of words, Pharisees and Pharaoh perhaps. But the hardness of heart is the Son of God is in front of them, the Son of God who knows the Word of God better than them, who reads their thoughts and actually does miracles right in front of them to authenticate that what He's saying is true, in the face of all the evidence, they still choose to disobey. Jesus heals the man, and He does so by telling the man, "Stretch out your hand." Here you see the cleverness of Jesus. Can they accuse Him of doing works by healing the man? Well, what was Jesus' work? Jesus told the man, "Stretch out your hand." The man stretches out the hand, the man does the work, and as he does, the man is healed. Verse six, "The Pharisees went out and immediately held counsel with the Herodians against Him, how to destroy Him." The Herodians were the Jewish supporters of Herod. And so you have the religious Jews, that's the Pharisees, and the political Jews, the Herodians, teaming up, uniting in wanting to kill Jesus Christ. How to destroy Him, that's a phrase that was used by the demons when they said, "Are you the Son of God come to destroy us?" And here the Pharisees are seeking to destroy Christ. Big religion's response to Jesus stands in stark contrast to the other response, which is the crowds. They flock to Jesus Christ to experience healing and to experience exorcisms. And this is point two, King Jesus endures the crush of service. Verse seven, "Jesus withdrew with His disciples to the sea, and a great crowd followed from Galilee and Judea and Jerusalem and Idumea and from beyond the Jordan and from a round Tyre and Sidon. When the great crowd heard all that He was doing, they came to Him." He withdraws, and the emphasis here is that He's leaving the danger from the Pharisees. Withdrawal from danger fits in this context. And it shows us that as He goes outside He's entering Gentile territory. He shows that He's not just the savior of Israel but the savior of the nations. As He told the shocked Pharisees in Matthew 8:11, He says, "I tell you, many will come from east and west and recline at table with Abraham, Isaac, and Jacob in the kingdom of heaven, while the sons of the kingdom will be thrown into the outer darkness. In that place there will be weeping and gnashing of teeth." So the people flock to Jesus Christ. In verse nine, He told His disciples to have a boat ready for Him because of the crowd, lest they crush Him. The crowd is growing and they're exerting pressure on Him. It's a phrase that's used metaphorically, to oppress or afflict. These are people that know that Jesus can meet their physical needs. They're attracted to Jesus primarily for that. They're pressing in to just touch Him and get just a taste of His power to be healed. Jesus backs away from them onto the boat that's probably owned by Peter, James, and John. And He heals them. In verse 10, "He healed many, so that all who had diseases pressed around Him to touch Him." The word for press here and crush, those are two implications that when Jesus comes as the Messiah, as prophesied in Isaiah 53, our diseases will be placed upon Him, our chastisement and sins will crush Him. This is Isaiah 53:4-6, "Surely He has borne our griefs and carried our sorrows, yet we esteem Him stricken, smitten by God, and afflicted. But He was pierced for our transgressions, He was crushed for our iniquities, upon Him was the chastisement that brought us peace, and with His wounds we are healed. All we like sheep have gone astray, we have turned everyone to his own way, and the Lord has laid on Him the iniquity of us all." Along with healing, Jesus exorcizes demons. Verse 11, "Whenever the unclean spirits saw Him, they fell down before Him and cried out, 'You are the Son of God.' And He strictly ordered them not to make Him known." The human and demonic reactions to Jesus here are similar. The human sufferers fell upon Him, the unclean spirits fall before Him, and they confess that, "You are the Son of God." This is the second time in Mark that Jesus is called the Son of God, the first time by God the Father. He said, "This is my Son, my beloved Bon whom I'm well pleased and whom I've taken delight." The demons say similar thing, "You are the Son of God," but there's no love for Christ in their hearts, that's why they're demons, and they do not delight in Him. But Jesus doesn't want their confessions. He tells them, "Don't say this out loud." Because it's not their job to proclaim the good news. It's not their job to proclaim who He is. That's the job of His followers. Speaking of His followers, this is point three, that King Jesus appoints the 12 apostles. Verse 13, "And He went up on the mountain and called to Him those whom He desired, and they came to Him." And here Jesus as sent on the mountain, recalls Moses as sent to Sinai. Throughout the Pentateuch in Exodus 19, God prophesies and He said, "Israel is my treasured possession." And here Jesus in calling the disciples calls them to intimacy, that they are His treasured possession. Another important mosaic ascent of Moses occurs in Exodus 24 when Moses ascends Sinai in the company of the priests and the elders and sets up 12 pillars to symbolize the 12 tribes. The emphasis here is on Jesus' call. He called the disciples to Himself. He initiates the call. Those whom He desired, it's to emphasize His power of choice, that He chooses whom to follow Him. When Jesus calls, it's a prophetic call, and it's a call that's effectual, with a desired effect because God's Word does not return to Him void. Isaiah 55:11, "So shall My Word be that goes out from My mouth, it shall not return to Me empty, but it shall accomplish that which I purpose and shall succeed in the thing for which I sent it." So they come up the mountain with Him, they follow Jesus. They leave behind whatever their vocational calls were in order to devote themselves to Christ. In verse 14, "He appointed 12, whom He also named apostles, so that they might be with Him and He might send them out to preach and have authority to cast out demons." He appoints the 12, and this reawakens the Jewish hope that the Messiah will come, renew the nation, and these 12 are to symbolize that. What does He call them to? He calls them to be with Him. He calls them to be with the presence of God. In the Garden of Eden, the greatest blessing that Adam and Eve experienced in that garden, the greatest blessing was the fact that they had unfettered access to God. They walked with God in the cool of the day. Whatever questions they had, they could ask God face to face. He knew them, they knew Him. When we listen to Satan's lies of, "Did God really say?" and we rebelled against God, they lost that access to the presence of God. They lost the ability to walk with God in the garden. Jesus Christ comes and He offers His presence. He offers the presence of God. He offers that same ability for them to walk with God. So He called them to be with Him, that's the first step. Before they preach, they got to spend time with the Lord. But if you spend time with the Lord, if you truly experience the presence of God, your heart gets filled, it brims with truth about God, and you have a desire to speak about the Lord. So He calls them to be with Him, and then He calls them to preach, to preach the good news. A lot of Christians, they just want to be with Jesus. That's all they want to do. Jesus, me, Jesus. It's all privatized. It's all very self-focused. No, Jesus says, "If you spend time with Me, go and make disciples of all nations. If you follow me, I'm welcoming you into the mission of God." And what is the mission of God? To seek and to save that which is lost. He gives them power to preach the word and also authority to cast out demons in the name of Jesus Christ. He gives them power over even the demonic realm. In Mark 3:16, "He appointed the 12. The first one was Simon, to whom He gave the name Peter." Simon was His Hebrew name. He's renamed by Jesus to Peter. In the Greek that's Petros. So he's got a Hebrew name, Simon, he's got a Greek name Petros. And then the Apostle Paul affectionately calls Peter Petros. He calls them Syphus. If anyone that knows multiple languages, you know affectionately you do that with people, you call them their name, but you do it in the language that only the two of you know. Syphus is the Aramaic version of Petros, which is the new name, and Simon was his Hebrew name. I say that because a lot of people think the disciples were morons. They're like, "Oh, He picked fishermen. They don't know anything." These guys were very well-educated. They grew up most likely trilingual in an area that was trilingual. They knew Aramaic, they knew Hebrew, and they knew Greek. That's why Jesus chose them, because they knew the scriptures of Hebrew and Aramaic, and they understood how to communicate it to the Greek world and the Greco-Roman Empire. So Simon Peter is the first one. And then verse 17, "James the son of Zebedee and John the brother of James, to whom He gave the name Boanerges, that is Sons of Thunder." Then Peter, James, and John, they formed the inner circle of the three disciples of Jesus Christ. He changes the name of Peter. He gives the others, James and John, He gives them a nickname, but Peter is the one that gets the name changed. And this is significant because of the patriarchs in the Old Testament, whenever God chose the spiritual leader of the people, He would change His name, Abram to Abraham, Jacob to Israel. Abraham is called the rock in the Old Testament, which is why Jesus, who gives primacy to the leadership of Peter, calls him the rock. Isaiah 51:1-2, "Listen to me, you'll pursue righteousness you who seek the Lord. Look to the rock from which you were hewn, and to the quarry from which you were dug. Look to Abraham your father and to Sarah who bore you, for he was but one when I called him, that I might bless him and multiply him." So Peter is presented as the man in charge. That's why in all the lists of the disciples he's the first one. This is why Jesus resurrected Christ, revealed Himself to Peter first. James and John are called Sons of Thunder. Why? Because they had a hot temper. They were very zealous for the Lord, and sometimes the zeal overcame their wisdom. For example, in Luke 9:51, "When the days drew near for Him to be taken up, He set His face to go to Jerusalem. And He sent messages ahead of Him, and he went and entered a village of the Samaritans to make preparations for Him. But the people did not receive him, because His face was set toward Jerusalem. And when His disciples James and John saw it, they said, 'Lord, do you want us to tell fire to come down from heaven and consume them?' But He turned and rebuked them. And they went on to another village." I always find that text funny or interesting. "Jesus, You want us to call fire from heaven? No one believes here, let's just smoke the whole place." What if Jesus said yes, "Yes, I want fire from heaven."? They'd be like, "Jesus, could You send the fire?" Everything they did was in the power of Jesus. What Jesus is there saying is, "They didn't receive me, yes, but hold on, the power of the Spirit isn't here yet. That'll come on the day of Pentecost." And that changed their hearts as well. The other disciples in Mark 3:18, "Andrew, and Philip, Bartholomew, Matthew, Thomas, James the son of Alphaeus, and Thaddaeus, and Simon the Zealot, and Judas Iscariot, who betrayed Him." I'm not going to get into what the names is, but the titles here are important. Simon the Zealot is pointed out. Who were the Zealots? They were nationalist party willing to fight to free Israel from Roman rule. So on the one hand, you got Simon the Zealot. They hated the Romans, and they hated anyone that collaborated with the Romans. And then you got Levi, who then became Matthew, was a tax collector. Who's he collecting taxes for? The Romans. So God brings these two people, diametrically opposed, completely different political ideologies, perspectives in the world, brings them together and saying, "Now I'm going to show you what it means to love one another as I have loved you." Iscariot, Judas Iscariot, it's from the Greek sikarioi. Commentators say there were also a group of Jewish revolutionaries who practiced assassinations. Perhaps that's why Judas did ultimately end up betraying Jesus Christ, because he assumed Jesus was going to be primarily a political king. And the first time that Christ came, He came to build His kingdom from the inside out by saving people. Although the text ends on a somber note, foreshadowing of violent crucifixion, the main theme of this text is joyful of being called by God, being called by God's grace, being chosen by Jesus Christ, personally enlisted in the war where battles are won by proclaiming good news and thereby shattering demonic structures of evil. God gave the Ten Commandments through Moses, and Jesus Christ lived according to the Ten Commandments. He summarized them by saying, "This is the point: it's love God and love people." He was asked, "What is the greatest commandment?" and He said, "Love the Lord your God with all your heart, soul, strength, and mind. The second one is love your neighbor as yourself." But in summarizing the Ten Commandments, He does not obliterate or abrogate the Ten Commandments. The summary does not abrogate the expansion of which is a summary. A lot of people think that in the old covenant the law was in force, then Jesus Christ comes and gets rid of the law. A lot of Christians think in the new covenant there is no law and the new covenant is just grace. I would push back and say, "No, that's not true." Because in Hebrews 8 it says that in the new covenant, when God gives us new hearts, He writes His law on our hearts. Which law? It's God's law, the Ten Commandments. This is Hebrews 8:8, "For He finds fault with them when He says: 'Behold, the days are coming, declares the Lord, when I will establish a new covenant with the house of Israel and with the house of Judah, not like the covenant that I made with their fathers on the day when I took them by the hand to bring them out of the land of Egypt. For they did not continue in my covenant, and so I showed no concern for them, declares the Lord. For this is the covenant that I will make with the house of Israel after those days, declares the Lord, I will put my laws in their minds and write them on their hearts, and I will be their God, and they shall be my people. And they shall not teach, each one his neighbor and each one his brother, saying, "Know the Lord," and they shall all know me, from the least of them to the greatest. For I will be merciful toward their iniquities, and will remember their sins no more.'" I do, I pray for a day when the Spirit descends upon our town, upon our city where people's hearts are regenerated, and then they turn to Jesus Christ as king. And then what? Then I pray that they join the Body of Christ, join the church. Recently school restarted, and I have a high schooler now, so I was driving to the high school. I have a high schooler now, Christ. I was driving to the high school and there was traffic everywhere. I've never seen that many people on the street just crossing left and right. And when it's that chaotic, we've got crossing guards. Just families going to school. I was like, "That's awesome that that happens Monday through Friday. Imagine if that happened on Sunday. That's where people just come and they're drawn by the Spirit and they want to worship God and they want to obey the fourth commandment, which is worshiping God on the Sabbath day." We practice Sabbath on a Sunday because Jesus Christ rose from the dead on a Sunday. The church was birthed on a Sunday. Have you broken any commandments? Jesus Christ calls us to repent, believe, and follow the king. I do want to mention that obeying the commandments and loving God's law, the approach with God's law is very different than the approach of man-made laws. I've been pulled over one time by the Brookline Police. On Route 9 going east, there's a speed trap, it goes from 55 to 35. I realized I try to obey man-made law basically to keep the cops away, to keep the authorities away. I don't keep the law to get to know them or to have a relationship with police. No, no, no, just leave me alone. But it's the opposite with God's law. That's why Psalm 119, meditate on Psalm 119, says, "I love your law, O, Lord." Because the law is an extension of God. God is holy, His Word is holy, His law is holy. By walking in the commandments of God, you grow in holiness and you grow in the presence of God. You grow closer to the Lord. Have we broken the commandments? Of course we have. What are we ought to do? We are to repent and believe that Jesus Christ fulfilled the law perfectly in our behalf. And then He goes to the cross and He bears the penalty for our law-breaking. The wrath of God comes down upon Him. Why does Jesus do that? So that after He is resurrected and ascends, when we repent and believe, our sin is counted to Him on the cross and His righteousness counted to us. And He gives us grace to do what? To then follow Him. And following Him means following Him in the obedience of the law of God from the heart. Following King Jesus and keeping God's law and to live lovingly is to live lawfully, and to live l