Long-term care insurance with relaxed health qualifications offers a solution for individuals with certain diseases, allowing them to access benefits without extensive screening. An annuity policy with a long-term care benefit provides tax-free payments for long-term care, and the benefit grows as the annuity grows. This solution helps individuals and couples plan for their final lap, ensuring they can leave a legacy for their loved ones. [... more]

The Salvation Army's commitment to publishing biblically sound written resources is crucial in today's world where truth is often questioned. The organization's vetting process ensures that authors are grounded in their faith, and their work is accurate and trustworthy. This commitment to quality is essential for Christians seeking to deepen their understanding of God's word and live out their faith in a world filled with uncertainty. [... more]

Retirement planning involves more than just managing Social Security benefits. A claiming strategy can significantly impact the amount of money couples receive, especially when one spouse has a higher-earning benefit. Understanding the rules and options for spousal benefits, full retirement age, and delayed benefits can help individuals make informed decisions about when to file for Social Security, ensuring they maximize their benefits and secure their financial future. [... more]

Lindsay Bonilla, a Christian children's author, shares her journey of writing for kids, the importance of storytelling, and her experiences as a writer, highlighting the themes of self-acceptance, kindness, and the power of faith in her stories. [... more]

Understanding the 2026 Medicare IRMA tax and how it affects your financial planning, including strategies to minimize its impact and optimize your retirement income. [... more]

Christian writers discuss the importance of writing as worship, drawing from their experiences and perspectives on the Salvation Army's mission and the nature of holiness, emphasizing the incarnational and Trinitarian aspects of the written word. [... more]

Taking the long view in financial planning can lead to significant tax savings and a more secure retirement. Certified Financial Planner Hans Scheil discusses the importance of considering tax implications when making financial decisions, including Roth conversions, required minimum distributions, and charitable giving. He also highlights the potential pitfalls of the widow's penalty and the importance of planning for it. [... more]

Journaling as an act of worship and its impact on mental and spiritual health is discussed by Kara Rodriguez, a Salvation Army officer and author. She shares her personal experience with journaling and its benefits, including its role in processing emotions and surrendering to God. Kara also talks about her work with the Salvation Service Corps, a program that sends young adults on mission trips, and how journaling can be a helpful tool for them. [... more]

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]

The Salvation Army's Words of Life podcast explores the power of writing in the kingdom of God, featuring conversations with writers and editors about their experiences and passions. Guests share their journeys, from creative writing to editing and publishing, and discuss the importance of journaling and slowing down to process thoughts and emotions. The podcast aims to inspire listeners to deepen their relationship with God through writing and reflection. [... more]

Craig Collins sits in for Dana NFL Commissioner Roger Goodell addresses Bad Bunny's Grammy's political statements ahead of his Super Bowl Halftime Show performance TPUSA announces the lineup for their own halftime show headlined by Kid Rock The Native American Tongva Tribe reacts to Billie Eilish's remarks about stolen land A Boston-area woman is thrilled after taking in a Haitian migrant and says it's like having your own personal chef as another conservative woman goes viral for PERFECTLY explaining why Liberal women get so outraged A crazy man is locking himself in his room for an entire year to avoid [... 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]

Deep, intentional Bible study has been a transformative experience for believers, leading to spiritual growth, encouragement, and accountability. Reading God's Word in a year, following plans like the Bible Recap, and using resources like the Bible Project and Lectio 365 can help individuals deepen their understanding and connection with scripture. [... 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]

A panel of friends shares their experiences and insights on how to navigate life's challenges with faith and perseverance, exploring the importance of walking with God, submission and love, and finding hope and encouragement in the Bible. [... 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]

Sharing personal stories of suffering, faith, and healing through the lens of God's word, the Bible, and its impact on everyday life. [... 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]

The discussion revolves around the U.S. operation in Venezuela, the implications of international law, and the concept of natural law. The conversation also touches on the topic of abortion, specifically the abortion pill, and its effects on women and unborn children. Additionally, the topic of religious liberty is explored, particularly in the context of a recent Ninth Circuit decision. The discussion also delves into the concept of critical theory and its impact on family relationships and identity. Furthermore, the conversation addresses the rise and potential decline of the transgender movement, and the importance of understanding human identity and dignity. [... more]

The Bible teaches that God doesn't cause evil, but He does allow free will, and even in the worst situations, He can bring good out of pain and suffering. Christians are called to honor and respect their shared heritage with the Hebrew scriptures and live out their faith by blessing others, including the people of Israel. The importance of remembering God's goodness and faithfulness in the midst of suffering is emphasized, as well as the role of parents in providing a context for growth and discipline. [... more]

Valerie Handleton shares her passion for language learning and conversational intimacy, using storytelling methods to help people develop confidence in speaking new languages. She also discusses her faith and how God has guided her in her ministry, and how she uses her skills to help others, including pro-life organizations and crisis pregnancy centers. [... 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]

Deep Bible study has been a transformative experience for many, bringing them closer to God and giving them strength in times of need. The Bible is not just a book of rules, but a love letter from God, offering guidance and hope in a world filled with violence and uncertainty. A faith journey requires trust, obedience, and a willingness to follow God's lead, even when the path is unclear. [... 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]

The Bible is a rich and complex book that communicates God's love and creativity through various genres, styles, and historical settings. Understanding the history and culture surrounding the Bible, as well as its different genres, can deepen one's appreciation and knowledge of God's Word. From genealogies to apocalyptic texts, every part of the Bible has a purpose and contributes to the overall narrative of God's story. [... 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]

Releasing new podcast episodes during the weekend can drastically reduce potential listenership, according to research. Words of Life will begin launching new episodes every Wednesday at 12 a.m. to see if this change improves engagement. [... more]

The Bible is the canon of texts that Christians believe are authoritative for determining their faith and practice. It is a collection of sixty-six books that provide the frame for understanding the church and its relationship with God. The process of establishing the canon took centuries, with the church ultimately deciding which texts were inspired and authoritative. The Bible is remarkably reliable, with over 28,000 ancient manuscripts of the New Testament and a strong historical evidence for the canon. Christians believe that the Bible is the Word of God, conveying the rule of faith and the teaching of the apostles. It is a source of inspiration and guidance for believers, providing a framework for understanding God's relationship with humanity. [... 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]

A panel of believers shares how Scripture has shaped their lives and deepened their walk with God, discussing the importance of the Bible as a source of strength, hope, and guidance in a world looking for hope. [... 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]

Florida Man's road rage incident ends in alleged machete threats, while body dysmorphia and alien contact are discussed in the news. Meanwhile, holiday gifting is stressful, and identity thieves have lists too, but you can protect your identity with LifeLock. [... more]

Jason Thacker discusses the intersection of technology and faith, highlighting the importance of critical thinking, discernment, and wisdom in navigating the digital age. He emphasizes the need for Christians to engage with technology in a way that honors their faith, and to equip the next generation with the skills and knowledge to navigate the complexities of social media and online information. [... 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]

A conversation about the intersection of technology and faith, exploring the potential benefits and unintended consequences of AI and other technologies on human relationships, education, and personal growth. [... 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]

The intersection of artificial intelligence and Christianity raises questions about the role of technology in shaping our worldview and humanity. Christians must engage with these technologies critically, considering their impact on our perspective of God and ourselves. [... 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]

David's prayer in Psalm 51 serves as a model for true repentance, involving a godly sorrow for having offended God and a genuine turning away from sin. A truly penitent person acknowledges their guilt and forfeits all rights, recognizing God's justice in exacting full punishment. This spirit of contrition is essential for a meaningful prayer life, as it involves coming before God with a broken and contrite heart, seeking forgiveness and cleansing from sin. [... more]

A team from the Salvation Army's Service Corps shares their experiences on a mission trip to Chile, Scotland, and Alaska, highlighting the impact of their work on local communities and the importance of sharing the gospel. [... more]