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by Heartfelt Radio WKJA
The mission of Heartfelt Radio is to make Jesus Christ known—through broadcast and multimedia—to the northeast Ohio community and beyond. Our purpose is to be a resource that informs the public while edifying, encouraging, and equipping believers through biblical teaching and uplifting music that glorifies God.
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- Today3 min
Laugh Again with Phil Callaway - Pen Pals and Rough Waves
Listen to today's Laugh Again with Phil Callaway, "Pen Pals and Rough Waves." Enjoy!
- Today2 min
Morning and Evening TODAY - July 31– John 17:23, “I in them.”
July 31– Morning by C. H. Spurgeon, revised and edited by W. C. Neff“I in them.” —John 17:23Send us Fan MailSupport the showGet a copy of the book, Morning by Morning TODAY (contains all of the Daily Readings)Donate to Morning & Evening to support this Podcast. Thank you!
- Today4 min
Joni Eareckson Tada: Sharing Hope - Serve with a Happy Heart
Share this program with a friend or family member at www.joniradio.org! --------Thank you for listening! Your support of Joni and Friends helps make this show possible. Joni and Friends envisions a world where every person with a disability finds hope, dignity, and their place in the body of Christ. Become part of the global movement today at www.joniandfriends.org. Find more encouragement on Instagram, TikTok, Facebook, and YouTube.
- Today24 min
Faith & Finance - What You Need to Know About IRAs
An individual retirement account, or IRA, can be a valuable tool for long-term saving. But like any financial tool, it needs to be understood and used wisely. Proverbs 18:15 says, “An intelligent heart acquires knowledge, and the ear of the wise seeks knowledge.” That’s good wisdom for every area of life, including how we manage money. As stewards, we don’t want to make financial decisions simply because an account is popular or because someone told us we ought to have one. We want to understand the tools available to us and use them with wisdom, patience, and trust in the Lord. So, how well do you really know your IRA? Let’s walk through a few common misconceptions with a simple true-or-false quiz. True or false: You can contribute to an IRA even if you already have a retirement plan through your employer. True. You can contribute to a traditional or Roth IRA even if you also participate in a 401(k), 403(b), or another workplace retirement plan. In 2026, the total amount you can contribute across all your traditional and Roth IRAs combined is $7,500, or $8,600 if you’re age 50 or older. You’ll need enough taxable compensation to support your contribution, and income limits may affect whether you can deduct a traditional IRA contribution or contribute directly to a Roth IRA. The important point is that having access to a workplace retirement plan does not necessarily prevent you from contributing to an IRA. These accounts can often work together as part of a thoughtful long-term strategy. True or false: An IRA is an account that holds investments, not an investment by itself. True. Think of an IRA as a container. The account itself provides certain tax advantages, but what happens to the money depends largely on the investments you choose to hold inside it. Depending on your IRA custodian, those investments might include mutual funds, exchange-traded funds, stocks, bonds, money market funds, or other investment options. That distinction matters. Sometimes someone will say, “I bought an IRA,” when what they really mean is that they opened an IRA and then invested the money inside it. The IRA is the account. The investments within that account determine how the money is put to work. There are also limits on what an IRA can hold. IRA funds generally cannot be invested in life insurance or collectibles. Certain precious metals may qualify if they meet specific IRS requirements and are held properly. Self-directed IRAs can provide access to more specialized investments, but greater flexibility can also bring greater complexity and risk. As with any financial decision, it’s important to understand what you own and why you own it. True or false: Your will determines who receives your IRA, regardless of the beneficiary listed on the account. False. An IRA allows you to name one or more beneficiaries who will receive the account when you die. Those assets generally transfer directly to the beneficiaries outside of probate. In most cases, the beneficiary designation on the account takes precedence over what your will says. That’s why beneficiary designations shouldn’t be treated as something you set once and forget. Review them periodically, especially after major life changes such as marriage, divorce, the death of a spouse, or the birth or adoption of a child. Estate planning is about more than documents. It’s about making your intentions clear and preparing well for those who may one day steward what you leave behind. True or false: Traditional IRAs are subject to required minimum distributions. True. Traditional IRAs are generally subject to required minimum distributions, commonly called RMDs. For those subject to the current age-73 rule, the first distribution general
- Today1 min
Getting God's Message - FRI JUL 31 2026
GGM
- Today0
Max Lucado Daily Devotional - Our Heavenly Father Will Help
Listen to Today's Devotion In his fine book, The Dance of Hope, Bill Frey remembers the day he tried to pull a stump out of the Georgia dirt. One of his chores as a 12 year-old was to search for stumps of pine trees that had been cut down and chop them into kindling. But there was one root system he just couldn’t pull out of the ground. He was still struggling when his father came over to watch. “I think I see your problem,” the dad said. “What’s that?” the son asked. “You’re not using all your strength.” Bill exploded and told him how hard he’d been working. “No,” the dad said. “You’re not using all your strength.” When Bill cooled down, he asked what his father meant and the dad said, “You haven’t asked me to help you.” You don’t have to do it alone, friend. Present the challenge to your father and ask for help. Will he solve the issue? Yes, he will. Read more Anxious for Nothing: Finding Calm in a Chaotic World For more inspirational messages please visit Max Lucado.
- Today3 min
The Christian Working Woman - God Won’t Let Go of You – 5
I’d like to briefly recap the story I told about the young boy who was attacked by an alligator. He had jumped into the swimming hole and as he swam out, an alligator swam toward him. His father was nearby, and he ran to the lake to rescue his son. As he reached from the dock for his son’s hands, the alligator grabbed his legs, and a tug of war ensued. But this father was not letting go, and he dug his fingers into the boy’s arms to hold him. A farmer driving by heard the screams, ran to the lake and shot the alligator. But of course, the boy’s legs were greatly scarred, and he spent days in the hospital recovering. When asked to show the scars on his legs, the boy did so, but then with obvious pride, he said, “But look at my arms. I have great scars on my arms, too. They are there because my Dad wouldn’t let go.” In Romans 8 Paul tells us those who are led by the Spirit of God are sons of God, and because of that, we can cry, “Abba, Father.” We are permitted to call the God of creation by an intimate term, a family name, if you please—Abba, Father, Papa. He is our heavenly father, and he will never let us go. I think of a friend of mine who never knew her father; he abandoned her before she was born. Others have fathers who simply neglected them, and still others have fathers who abused them. If that is true for you, your concept of a father is likely warped. But let me assure you God is your heavenly Father, and he is perfect. Don’t transfer your negative experience with your earthly father to God, because you will then miss the joy of fellowshipping with him as Father, Abba, Papa. I had a wonderful earthly father who never neglected me or mistreated me, but even he could not promise to never leave me. My heavenly Father can say, I will never leave you or forsake you, and I have full assurance he will always be with me. He will not let me go, and the same is true for you, if you are his child. Let me close with these wonderful verses from Romans 8: For I am convinced that neither death nor life, neither angels nor demons, neither the present nor the future, nor any powers, neither height nor depth, nor anything else in all creation, will be able to separate us from the love of God that is in Christ Jesus our Lord (Romans 8:38-39).
- Today0
Life Issues - Tracking Government Persecution
A new website is tracking government persecution and efforts to restrict or ban abortion pill reversal across the country. Created by our friends at the Thomas More Society, the site follows lawsuits and government actions involving pregnancy resource centers that provide information about abortion pill reversal, a protocol used when a woman changes her mind after taking the first drug in a two-drug chemical abortion. The resource is designed to keep the public informed as cases move through the courts in states like California and New York. These states are targeting pro-life centers despite the fact that abortion pill reversal is safe and proven, having saved the lives of thousands of babies across the country.
About WKJA Podcasts
The mission of Heartfelt Radio is to make Jesus Christ known—through broadcast and multimedia—to the northeast Ohio community and beyond. Our purpose is to be a resource that informs the public while edifying, encouraging, and equipping believers through biblical teaching and uplifting music that glorifies God.
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