A see-through trust for IRA beneficiary estate planning can help protect assets from creditors, divorces, and poor financial decisions. It can also control how and when dollars are distributed, and provide professional trustee oversight. This type of trust is particularly useful for minor beneficiaries, blended families, and those with financially irresponsible beneficiaries. [... more]

Declaring war on selfishness and attacking the root of pride can lead to genuine humility, which fosters better health, stronger relationships, and improved self-esteem. By putting others' needs and interests ahead of our own, we can choose to practice humility daily and develop a more loving and selfless attitude. [... more]

Hillsdale College professor Bill McClay discusses the lead-up to the American Revolution, focusing on Thomas Paine's influential pamphlet 'Common Sense' and its impact on the colonists' decision to declare independence from Britain. [... more]

God's greatest joy is seeing His children love one another, and He commands us to choose love and unity in our relationships, resolving conflicts and forgiving one another as He has forgiven us, and to love others as He has loved us, with humility and kindness, transforming our relationships and building a lasting legacy of love. [... more]

God's heart breaks when we fight and have unresolved relationships with others. He desires authentic, Christ-empowered unity, built on truth, mutual love, and a common purpose. To achieve this, we must choose to love, declare war on selfishness, and attack the root of the problem, which is pride and empty conceit. By putting others' needs and interests ahead of our own, we can develop genuine humility and experience the transformative power of agape love. [... more]

Golf With Jay Delsing features a complete breakdown of the latest news and notes from throughout the world of golf See Privacy Policy at https art com privacy and California Privacy Notice at https art com privacy do-not-sell-my-info [... more]

Creating a pension-like check for life by turning 401k savings into a guaranteed income stream, addressing concerns about long-term care and financial security in retirement. [... more]

Worship is not just a service or activity, but a life focus and expression of deepest longings, passions, and devotion to God. Authentic worship flows from the heart, is rooted in an accurate view of God and ourselves, and can happen anywhere, not just in church. [... more]

A major winter storm has crippled the Mid-South, leaving thousands stranded and businesses shut down. City leaders are facing criticism for their handling of the disaster, with many questioning their preparedness and response. Meanwhile, Congressman David Kustoff weighs in on the national implications of the storm, including the role of federal funding and the importance of cooperation between local, state, and federal law enforcement. [... more]

Boredom can be a divine reminder that we are spiritual beings made for eternity, and our pursuit of temporary things can never truly satisfy us. Authentic worship is the complete and total giving of ourselves to God, and it's not just about singing songs or attending church, but about living a life that reflects our true values and priorities. [... more]

Chip Ingram explores the concept of boredom and its connection to seeking significance in finite objects, leading to a discussion on authentic worship and the importance of seeking God in spirit and truth. He emphasizes the need to present oneself as a living sacrifice, and provides practical tips for experiencing greater intimacy in worship, including the ACTS method and the importance of preparation, purpose, and participation in worship. [... more]

Developing a grounded opinion on Roth IRAs is crucial for making informed decisions about retirement planning. A backdoor Roth IRA can be a viable option for those with limited income or who have already reached their IRA contribution limits. However, it's essential to consider individual circumstances and consult with a financial planner to determine the best approach. A non-deductible IRA contribution can be used to fund a Roth IRA conversion, allowing individuals to build a tax-free account over time. [... more]

Trump claims he has an infinite deal with Greenland Dana explains how Trump's political strategy was a complete success GOP Rep Brandon Gill EXPOSES Special Counsel Jack Smith for issuing a subpoena for Speaker Kevin McCarthy's private flight records to pin him for January th Green Day proclaims they are antifa at their LA concert A labor and delivery nurse at Baptist Health Boca Raton Regional Hospital says she hopes Press Secretary Karoline Leavitt suffers a severe th-degree tear during childbirth FBI arrests the rioters who stormed into the Minneapolis church Famous YouTuber Ms Rachel claims she accidentally liked an [... more]

The history of long-term care insurance is marked by a series of federal regulations, including the NAIC Model Act and IRS Regulation 7702B, which aimed to standardize and simplify the process of purchasing and using long-term care insurance. The Pension Protection Act further expanded the options for consumers, allowing them to access the death benefit of a life insurance policy early to pay for long-term care. Despite the complexity of the regulations, experts like Hans Scheil emphasize the importance of planning for long-term care, regardless of income level or health status. [... more]

The book of Revelation describes the final chapter of the seven-year tribulation, where God's judgment is poured out on the earth, and the Babylonian system, representing a one-world religious and political system, falls and is destroyed. [... more]

Dr. David Jeremiah explores the importance of investing in heavenly treasures, contrasting it with the fleeting nature of earthly possessions. He shares biblical principles for making wise investments that pay eternal dividends, emphasizing the need to prioritize spiritual values and seek God's kingdom first. [... more]

Original Medicare has deductibles and co-payments that can leave you with significant expenses. Supplemental insurance, such as Medigap, can help fill these gaps, but choosing the right plan is crucial, especially at 65 when guaranteed issue is available. Understanding the differences between original Medicare, Medicare Advantage, and supplemental insurance is essential to making informed decisions about your health insurance. [... more]

God keeps His promises, as seen in the story of Noah, who was a righteous man but fell into sin. The Bible teaches us to be faithful and to seek restoration when we fail. We must also be aware of the end times and the return of Jesus, and make sure we are ready to meet Him. A Bible study on the book of Genesis and the Sermon on the Mount can help us understand God's plan and our place in it. [... more]

Social Security is a closed system with a $2.7 trillion trust fund, financed through payroll taxes, interest on the trust fund, and taxation of benefits. The system's shortfall can be addressed by increasing the payroll tax, raising the retirement age, or a combination of these solutions. [... more]

We have been given peace with God, the war is over, and we have been introduced to grace. We live in the state of grace and have the spirit of grace. This new status gives us access to the presence of God, and we can worship Him immediately, continuously, and personally. We are no longer separated from God by barriers, but have a direct connection through Jesus Christ, our introducer. We are called to stand firm in this grace, to express it, and to live in the state of North Carolina, where we cheer for those on the team of grace and live in harmony with others. [... more]

Managing taxes and financial planning in retirement involves understanding the impact of tax brackets, Social Security, Medicare, and long-term care on one's finances. Certified Financial Planner Hans Scheil discusses how to optimize tax planning, IRA contributions, and estate planning to ensure a secure retirement. [... more]

Charles Dickens' A Christmas Carol is often seen as a heartwarming tale of redemption, but it also contains a deeper message about economics and philosophy. Thomas Malthus' concept of surplus population is explored through the character of Ebenezer Scrooge, who represents a philosophy that is ultimately proven wrong. The story highlights the importance of generosity, private charity, and the value of human life, and serves as a reminder that God is generous, not stingy. [... more]

Johnny Carson's life story is a testament to his perseverance and dedication to his craft. From his humble beginnings in Nebraska to becoming the king of late-night TV, Carson's journey is a fascinating tale of how he overcame obstacles and remained relevant in an ever-changing industry. His ability to adapt and evolve, combined with his quick wit and charming personality, made him a beloved figure in American entertainment. [... more]

Hans and Robby are back again this week with a brand new episode This week they discuss easy health qualification for long term care Don't forget to get your copy of The Complete Cardinal Guide to Planning for and Living in Retirement on Amazon or on CardinalGuide com for free You can contact Hans and Cardinal by emailing hans cardinalguide com or calling - - Learn more at CardinalGuide com Find us on YouTube Cardinal Advisors [... more]

God's plan of redemption was already in motion after Adam and Eve sinned, and their relationship with God was broken. The promise of his coming is so absolutely unique it's beyond chance. God had planned it 100% from the very beginning. The Bible announces right here: 743 years before Jesus Christ was born in Bethlehem, that the one coming would be a child born, he's going to come as a child, because a son will be offered. He was born to die. The fact that his return has been promised, its promise is anticipating every human need. God's consolation, God's comfort cannot come for you. God invented air, food, and intimacy for conception, and he's the inventor of the human system that's processing the atmosphere around you. [... more]

Required Minimum Distributions, or RMDs, are a crucial aspect of retirement planning, requiring individuals to take a minimum amount of money from their Individual Retirement Accounts, or IRAs, each year. This can have significant tax implications and affect the overall financial plan. Understanding RMDs and how to manage them can help individuals make informed decisions about their retirement savings and charitable giving. [... more]

Crystal Payne shares practical steps to simplify your Christmas, stay organized, and keep your focus on what really matters. She discusses the importance of budgeting, using cash, and making homemade gifts to stay within your means. Crystal also shares ideas for cooking ahead of time, hosting a special Christmas celebration with your family, and prioritizing meaningful activities during the holiday season. [... more]

Aligning financial decisions with biblical values can bring peace and purpose to one's life. Faith-based investing and financial planning can help individuals make intentional decisions about their money, while generosity and values-based investing can bring a sense of fulfillment and impact. Understanding Social Security and retirement options can also provide clarity and security for the future. [... more]

God's work in us is a gradual, growing, and guaranteed process that begins with making us guilty of our lost condition, then hungry for a different life, happy with the joy of a forgiven life, and holy by taking off the rough edges of our lives. We are part of a family business, and our partnership with God is evident when we stand up for the gospel and spread it to others. [... more]

Solomon explores the puzzling realities of life, including injustice, hypocrisy, and unanswered questions, pointing to the one truth that ties it all together: God holds the missing piece in His hand. [... more]

Jesus' public ministry culminates in four vivid portraits of himself: the king of Israel, the savior of the world, the son of glory, and the word of life. These portraits reveal Jesus' humble and triumphant nature, his role in drawing nations to himself, and his endorsement by the Father. As Jesus prepares to face the cross, he offers a final appeal for people to believe in him and receive eternal life. [... more]

Caregivers and care managers face significant financial and emotional challenges when providing long-term care for loved ones. A study at UMass in Boston highlights the importance of planning and preparation, including the use of long-term care insurance and support resources. Caregivers often feel overwhelmed and exhausted, and many lack access to quality care and resources. A well-planned approach to long-term care can help alleviate anxiety and ensure that loved ones receive the care they need. [... more]

Understanding the taxation of Social Security benefits can be complex, but it's essential to grasp the concept of provisional income and how it affects tax rates. By breaking down the formula and considering individual circumstances, retirees can see that taxes on Social Security are often lower than expected, especially for those with moderate income and a good Social Security check. This knowledge can help alleviate fears and allow retirees to make informed decisions about their finances, including Roth conversions and living off principle. [... more]

When you retire, taxes become a different ball game. Certified financial planner Hans Scheil explains how to navigate the 2026 federal income tax brackets and rates, and how to make the most of your IRA and charitable giving. He discusses how to choose your tax rate and bracket, and how to use Roth conversions and QCDs to minimize taxes and maximize your income. [... more]

Setting your house in order involves realizing that death is inevitable and taking steps to ensure your loved ones can easily access your assets. Beneficiary designations on IRAs, life insurance policies, and bank accounts can bypass probate court, while transfer on death and pay on death designations can also avoid probate. It's essential to review and update these designations regularly, especially after significant life events like marriage, divorce, or the birth of a child. [... more]

Greg continues discussing Christianity in India with three deeply committed Indian ministers This interview which discusses Hindu soteriology India's holy rivers its caste system and the miraculous conversion experience of a deathly ill ultra-devout young Hindu woman was not taped in a sound studio but in an open-air setting in India complete with traffic noise monkeys jumping loudly on metal roofs and live roosters amening the conversation in their own distinctive way Greg hopes this series will prompt American Christians to prayerfully consider getting involved in God's work in what is currently the most populous nation on earth Christ is [... more]

Jesus, the ordinary man from Nazareth, was extraordinary in his mission to suffer for the sins of the world. He loved us and died for us, and his sacrifice fulfilled the righteous demands of God, purchasing our forgiveness and salvation. Understanding pain and grief, Jesus knows what it's like to weep and be abandoned by friends, but he also knows how to comfort and heal through the power of the Word of God. [... more]

Lifetime income annuities can provide a predictable income stream for life, with the option to double the amount if long-term care is needed. This type of annuity can be used as a social security bridge, providing additional income to supplement retirement benefits. It can also be used to cover long-term care expenses, with the ability to double the income if one spouse requires care. The annuity can be customized to meet individual needs, with options to add a Roth conversion and invest in a variety of assets. [... more]

Financial teacher Ron Blue explores the disconnect between what people say and do about money, revealing that expecting money to fix problems or fill hearts is a recipe for disappointment. He notes that true wealth isn't measured in net worth, but in contentment, and that freedom and joy come from trusting God as provider, not paycheck. The solution lies in realizing it's not our money, but God's, and that our trust should shift from our finances to the Lord Himself. [... more]

True worship is based on a revelation of God, conditioned by faith in and obedience to the Word of God, and demands a deliberate separation of ourselves unto God, renunciation of oneself, and glorification of God, resulting in a blessing for the worshipper. [... more]