Podcasts about cares act

Every business transaction has hidden tax opportunities waiting to be discovered, if you know where to look. This week on the IC-DISC podcast, I spoke with Mike D'Onofrio from Engineered Tax Services, who's spent 17 years helping business owners maximize their tax strategies through engineering-based specialty tax services. Mike joined ETS after working in corporate M&A and private equity, where he first recognized the critical need for specialized tax expertise during business transitions, and what struck me about Mike's approach is how his firm combines professional engineering expertise with tax strategy to deliver comprehensive solutions. They handle everything from cost segregation studies and energy incentives to insurance optimization, processing hundreds of cost segregation studies weekly across every property type imaginable. Mike's philosophy centers on what he calls "HABU" - highest and best use - focusing on their core expertise while partnering with specialists like us for complementary strategies that create immediate opportunities for businesses to improve cash flow. The conversation reinforced something I've noticed across successful advisory relationships: the best results come from specialists who stay in their lane while building collaborative teams. Mike's emphasis on maintaining human intelligence alongside technology adoption resonated with my own experience that relationships still drive business success.     SHOW HIGHLIGHTS ETS processes hundreds of cost segregation studies weekly, from single-family rentals to NFL stadiums, proving tax strategies scale across all property types. The recent bonus depreciation bill plus R&D tax credit enhancements now allow 100% first-year expense capture, creating immediate cash flow opportunities. Mike's "HABU" principle (Highest And Best Use) drives their decision to stay specialized rather than compete with partners in overlapping services. Engineering expertise combined with tax strategy creates unique value—ETS knows roof types, electrical systems, and construction costs that insurance carriers demand. After recognizing insurance as clients' second biggest pain point after taxes, ETS launched a complementary insurance division leveraging existing property data. Mike advises his 25-year-old self to surround himself with people much smarter, crediting uncomfortable situations with experts as his greatest learning opportunities.   Contact Details LinkedIn - Mike D'Onofrio (https://www.linkedin.com/in/michaelfdonofrio/) LINKSShow Notes Be a Guest About IC-DISC Alliance About Engineered Tax Services Mike D'OnofrioAbout Mike TRANSCRIPT (AI transcript provided as supporting material and may contain errors) Dave: Good morning, Mike. Welcome to the podcast. Mike: Good morning, Dave. Great to be here with you today. Definitely. Dave: So where are you located at the moment? What part of the world are you in? Mike: Yeah, well, I'm in my home base today in Charlotte, North Carolina. Dave: Okay. Mike: Yeah. I've always liked Charlotte, a pretty part of the country. Charlotte's a beautiful place, man. I grew up in Cleveland, Ohio. Great school, high school, college, so I know the Midwest and I still love Cleveland, of course, a Browns fan and a Indians guardians fan and Cavs. But moved to South Florida right after that, right after college and was living in Fort Lauderdale and West Palm Beach, and we're still based there. Our corporate acres is there, but my wife and I had originally met in Charlotte, and we love the seasons. I love the ability to, I see those mountains in your background. I love the ability, we don't have the same type of mountains as you do, but love getting out to the Blue Ridge and Smoky Mountains, seeing the fall, the leaves, and can get to the beach, can drive down to Wilmington or Charleston in a couple hours. So we're right in the middle. We're bus to be here and have the Dave: Options. Yeah, it's a great location. You have four seasons and a slightly milder winter than Cleveland, Mike: That's for sure. It seems like winters have softened up a little bit in Cleveland, but man, I remember the mornings going out to the bus when I was a little kid with snow piled up over my head and the drifts up on the side of the house. I'll never forget those days. That was awesome. That was a real winter. But now in Charlotte, if we get a dusting of snow or a little bit of ice, it's usually gone by noon. Dave: Yeah. I was born and spent the first 13 years of my life in northwest Iowa and was the oldest of two boys. So I remember having to get up an hour early to go shovel the driveway just so mom and dad could get to work in that. So yeah, my saying is the worst Texas summer is still better than the best Northern Winter is my theory. Mike: You got it, man. High five to those of us that have shoveled snow driveways, walkways, figured out a snowblower with the chains on the wheels and all that fun stuff that comes with winter. Dave: So by some people's interpretation, we come from the same place because I've discovered people not from the Midwest, they think Ohio, Iowa, and Idaho are all the same place. Mike: Yeah, Dave: They're just all somewhere up there. Yes. It's up Mike: Somewhere up there in the Midwest. Folks like myself grew up in Ohio and Cleveland and Detroit and Chicago. I mean, definitely they think that's the heart of the Midwest, but they forget about the Midwest. Goes pretty far west. Right. Dave: It does. All the way to the mountains. So, well, let's get into it. So when did you join engineered tax services? Mike: Wow, it's been a big part of my life. Exciting journey. Like I said, after college I moved down to South Florida and my background was in more corporate m and a private equity working on the finance side of things in transactions, in private equity back in the day, they would call it kind of strategic intermediary work where we would either work on the buy side or sell side with the client. So I worked with a lot of clients and business owners that were maybe interested in transitioning out of their business. Maybe they were a food manufacturer or distributor. And interestingly enough, one of my mentors in life, his name is Bruce. Bruce was one of the first international CEOs with McDonald's corporation. Oh, really? Yeah, one of Ray Croc's, first five or six right hand key people. Before McDonald's had any international business, the first place that they went outside the US was to Latin America and the Caribbean. And I met Bruce in South Florida my early career, and we really saw an opportunity together, old school style, to go through his Rolodex and be like, man, I have a lot of relationships within the McDonald's and the finance ecosystem. So we started working with many different company owners, like I said, distributors, producers of different things, and we had some great success. And along the way I saw that there was really a need to understand specialty tax credit and incentives and strategies depending on who the client was, whether it was the seller of a company or a property or buyer of that was really to dig into the details of, Hey, what's the best way to make this transaction as tax efficient as possible? Tax was always the first pain point, either from the seller's point of view, maybe there was a big potential cap gain situation, how to structure that deal or from the buyer or investor's point of view, how to maybe capture some additional credits and incentives that they hadn't thought about, like research and development tax credits, or maybe there was a big piece of real estate or property involved in the transaction, like a manufacturing facility or office buildings or retail locations. So while digging in deeper in some of those transactions, I met Julio Gonzalez in Engineered Tax Services. She's going on 17, 18 years ago, and it was a small boutique firm at the time, engineered tax, and we were very focused on serving CPA firms nationally as that specialist. And I saw a great opportunity to really become a more diverse, focused specialist, and not only help CPA firms, but help private equity, the real estate investor, anything in that transaction to really help understand the tax code for the bonus depreciation or energy credits and incentives. Sure you do. Maybe they do domestic or international type of trade in that business, and there's a structure that might be a little bit more savvy than they're familiar with. So man, 17, 18 years ago is when I started with ETS, and we've grown substantially over the years from a handful of people in a small boutique firm in downtown West Palm Beach, Julio, and myself and Kim and Heidi and others, though I think pretty well, and we've really expanded, and so now not only still working with those CPA firms nationally, to be that specialist working with other professionals like you of really just how to maximize each transaction, understand the inevitable changes in the tax code with the different administrations. There's the Tax Cuts and Jobs Act, Trump 1.0, 2.0, what happened just now in July with a big beautiful bill, but the CARES Act, the Path Act, the previous tax Cuts and Jobs Act, the CHIPS Act, whatever the stimulus plan or new tax incentive of the day was. That was our job to really dig into that, be a great job educating around that and bringing it as proactively and transparently to the CPA community as well as the investors and owners. Dave: Yeah. I became acquainted with ETS and about the same time you did, and Julio invited me to South Florida and gave you the tour of the cool office building that you all rehabbed. Mike: Yeah. Then he was Dave: Kind Mike: Enough to, was that the one on a Vernia Street when he had just purchased it? Was it, Dave: I forget the street. It was like maybe a six story old building Mike: That's still his building and our corporate headquarters on the corner of Vernia and Olive for any of you that are down in West Palm Beach, and we'd love to show you around. It's a cool building. Dave: And then he was kind enough to host me at a Dolphins football game. Mike: I remember those days. Right. Dave: And for whatever reason, he was considered a bit of a VIP by the Dolphins, so I was able to go down on the field before the game, and I think I even had a photo taken with a Dolphin's cheerleader on each side of me that for whatever reason, it never made it up on the wall in our house. I'm not sure why, if that would've been a problem with my wife or now with a photo of two Dolphins cheerleaders hugging me, Mike: Dave, I think I have different versions of the exact same picture with myself and some friends. I have a great one with myself and my dad. Maybe we'll use some technology and pop some of those pictures up for others to see when you publish this podcast, or maybe we'll just keep those private for ourselves. But yeah, we used to Julio's involvement with the Dolphins and the family behind the scenes. We did. We did some amazing, not only professionally working with those types of property owners and venues, we did the cost segregation study on the Miami Dolphins Stadium when it was renovated. Dave: Oh, Mike: Yeah, I remember that. And a lot of others, Broncos, Cleveland Browns, Miami Dolphins. I did some work on the Bridgestone Arena in Nashville, the Superdome in New Orleans, the Raiders facilities, the Buffalo Bills not allowed to give out any confidential information, but everybody's looking to save in tax and take advantage of whatever strategies are available in the code. But personally, obviously, we love sports and entertainment and being able to build the relationships with our clients, so we had a very cool double founder suite there in those early days that we used to all meet in West Palm Beach, have some fun on the Saturday, take the bus down on the Sunday morning. Yeah. We did that for years, and we still do some of that in Miami and in some different cities. I'll be doing some of it in Charlotte. But yeah, man, those were fun times. We really built amazing relationships still with clients today that actually, I saw a client yesterday that said, Hey, Mike, I was at the Green Bay game. I remember when we were down on the field and one of the Green Bay players said, hi. He is like, Hey, man. That was a childhood legend of mine that I'd always wanted to meet. And then of course, that's really cool. Sometimes we got to meet what Dan Marino and folks down in the tunnel in the Dolphins. Dave: Well, the other cool thing was Julio intentionally picked a Monday night game that he invited me to, so that made it even more fun. National game. Mike: Oh, yeah. Makes for a late evening getting home, that's for sure. Dave: It does. And so I just have to warn you, Julio was a guest on the podcast about three or four years ago, so he set the bar pretty high, so no pressure my Mike: Oh, yeah, none at all. But I Dave: Know being a former athlete, you're probably a little bit competitive, so I'm sure you'll want to point out to Julio that you think you did a better job. Mike: Yeah, just a little bit, Julio, and we spend a lot of time together. We were together yesterday in Fort Lauderdale at an event with a great mix of clients and we're real competitive from a business aspect, obviously wouldn't be great for our clients. He was a wrestler in his younger days. That was also a wrestler, really just to stay in shape for baseball. I was a baseball player. I think you had asked me before, I always keep a couple baseballs around my desk. I like to futz with them when I'm working here in the office, but think about the different strategies, whether you need to throw the curve ball or the fast ball or the riser, whatever it is. I think about just those different grips and strategies. So yes, I'm a bit competitive, to say the least. Dave: Sure. I know the firm has grown. What's your elevator pitch today? When people ask who ETS done, who ETS is and who do they serve? Mike: Well, engineered Tax and Advisory had the advisory portion of it as well, because that's engineered tax services been around a long time. We're really good at doing the specific engineering based services that the CPAs or the property owners need to get the bonus depreciation or the energy credits and incentives onto the tax return. So that's doing the cost segregation study as a licensed professional engineering and specialty tax firm, we've been doing those for going on 24 years or doing the energy analysis or helping with, like you do, calculate the construction costs, the transfer costs, the sales tax, the property tax. That's what engineered tax services is excellent at doing as that specialist as that. Dave: I'm sorry, that's more than just cost segregation though, right? Mike: Oh, yeah. Yeah. There's cost segregation and bonus depreciation available on real estate, new construction purchases, renovations. So we're very involved. We do hundreds and hundreds of cross segregation studies a week across the country on all different types of assets from smaller single family investment properties and VRBO to manufacturing facilities and multifamily and apartments and hospitality and everything you could imagine up to different sports and recreation stadiums. But that's one subset of what engineered tax does that. Then there's the energy incentives and credits, the 1 79 D, the 45 L, the investment tax credits for renewables like wind and solar and geothermal and turbines and other types of things. But on the advisory side, we work it backwards. That's more the consultative approach with the clients to figure out what is the need. Maybe there's a liquidity event with a business owner that's selling a business. Maybe there's a capital need from an acquisitions point of view or an expansion point of view where some of the IC disc strategies might come in. Maybe they're wondering about opportunity zones or enterprise zones or historic tax credits or preservation and conservation type strategies, or buying equipment or a jet and aviation strategies. Because all of those things that I just mentioned, there's either a specialty tax component with bonus depreciation or section 1 79 or an actual tax credit, like research and development tax credits. We help bring it all together as a very experienced and comprehensive specialist around the tax code, anything available, federal, state, local incentives, credits, rebates, working with the CPAs, working with professionals like you, working with the high net worth or the company owner. That's what we pride ourselves in, is being very comprehensive depending on what the opportunity and the need is for the client. Dave: Okay, and speaking of clients, do you think of the CPA firm as your client or the actual end user or both? I think because done a really good job cultivating those CPA firm relationships. Mike: Yeah, Dave, that's a good question. I first and foremost see the CPAs as our client, but also our strategic partner because remember, we're a specialist. We don't do the full accounting audit and tax filing work for the client. We sit in the specialist seat. I explain it all the time to my friends and new clients when they're trying to figure out what we do. If I was in the medical profession, we would be a brain surgeon or a heart surgeon or some other type of specialist within medicine that works together with the general practitioners and others in medicine on the tax code and helping with the tax literacy, the tax strategy, the specialty credits and incentives like icdisc. How do we bring up those types of situations and opportunities? Usually it's working with that CPA firm to identify the client need and then being comprehensive and entrepreneurial with that client. So long-winded answer to that is both. I see the CPAs as both our client and our strategic partner in situations, but definitely once I work with the company owner or the investor, they're also ultimately our client. So I need to deliver at a high level to both the CPA and both the client, or if I meet the client directly and you are the company owner that's asking us questions about a situation or a strategy, we push to be introduced to the CPA to make sure that we're collaborative, attacking that strategy from the beginning and become a great compliment to the CPA service so they can focus on what they do best, the accounting audit or tax type or bookkeeping type work that they do, and then just like you really helping to layer in that specialty strategy that maybe they're not as familiar with or really just need some help from a bandwidth perspective. Dave: Sure. I've come across other firms that do some of the same services you all do. And what do your clients and CPA firms tell you that makes ETS different and why they have chosen to partner with ETS over another firm? Mike: First of all, I think about that all the time. That's a question that comes up often. When we started 24, 25 years ago, there was very few firms that were doing some of the things that we do there. There were CPA firms that did cost segregation studies, but usually that was the higher level firms, the Deloitte, the KM KPMGs, the E and Ys, excellent high level firms, but they were really only doing it for their higher level corporate type clients as we democratize the tax code and brought that tax strategy to middle market type businesses, entrepreneurs and investors, the strategy there was really to work as comprehensively with different types of as possible. And the difference to me is first of all, our longevity and our professionalism and our diversity of the type of services that we're doing uniquely as a licensed professional engineering firm that also does specialty tax credits and incentives. That's one of the biggest differentiators to me is we are a licensed professional engineering firm. The type of engineering that we do is cost engineering, looking at the cost of an acquisition, the cost of a purchase, the cost of a new construction of a property, and be able to break that down into accounting and tax format that the CPAs can then use. So that's where the hybrid of the engineering expertise and specialty tax expertise, so that unique structure of our firm, that unique ability to do multiple things and also have the energy incentives team in-house where if it's a new construction of a property or a big value add, repositioning, not only can we do that cost segregation study, we can comprehensively do that energy tax credit and incentive analysis. We have to do energy modeling. That's pure engineering type work, doing the energy incentive modeling to see what the energy efficiency of those components are. Or on a renewable energy project. We have a client that's building a really big mixed use project that has some geothermal investment tax credits there. Those are pure engineering and energy efficiency type knowledge that we're able to bring comprehensively. So it's really the comprehensive approach of bringing engineering specialty tax energy incentives and credits. We also have an insurance division, which is very unique for our industry because I knew years ago that the second biggest painful point for our clients after tax figuring out tax minimization strategies is how do they lower costs and make sure they're protected from an insurance standpoint? And we do have a part of our firm that is engineered insurance services to compliment engineered tax services. We already have all the, Dave: Yeah, tell me about the insurance company because I'm less familiar with that, and when did you start it? Are you licensed in all the states? Mike: Yeah, we are. We've been quietly developing that over the last couple of years. I said, my background's from Cleveland, Ohio. Coincidentally, the firm that we partnered with is based in Cleveland, Ohio. When we formed a new entity together, engineered insurance services, went back to all the different carriers and got relicensed with all the top national carriers, all the names that folks would know well. So now as a nationally licensed insurance agency and brokerage firm, we focus on property casualty liability, cyber risk, flood, E and O, D and O, all the things that every company and every property owner needs. But we can do it comprehensively and uniquely because we're already doing the cost segregation studies on a lot of these properties. So we know what the cost basis is, we know what kind of roof it is, we know where it's located. We know the age of the electrical system and all the situations with the property, and also that owner, how they operate that property. That's what, just like the IRS with cost segregation study, they want to see the details and then yes, you can capture the benefits of bonus depreciation. The insurance carriers, they want to write insurance policies at very competitive rates, but they want to see it in detail. They want to understand that building. They just don't want an estimate that a broker submits to them. So we've had amazing success over the last year and a half of rolling out that program, doing it comprehensively with what we're already doing for that client. Dave: That's really, Mike: That's the other reason that we're very unique compared because there are some great firms that do cost segregation or that might do an energy analysis or that might do a research and development tax credit study, but very few firms, if any, that know about really take that comprehensive approach to be able to do tax energy insurance and the specialty consulting with engineered advisory with what we're doing, And it resonates. It really resonates with clients because I feel like they really need someone that is, first of all, thinking entrepreneurially like them, because sometimes they're not getting it from maybe their legal team or their CPA team or their other advisors that they're working about taking that entrepreneurial approach, taking that proactive approach before the end of the year or before that renewal term for that insurance policy or before that building gets purchased or before the renovation happens, what should they be thinking about? And that's what I really try to work on with our team and our clients is be very proactive, be very transparent of the good, the bad, the ugly of different situations that clients should consider and then always be thinking entrepreneurially like our clients do because they appreciate it with your business and what you do with IC disc. Sometimes folks just haven't heard about it or they don't understand it, or they didn't do something proactively and now they're trying to unwind a situation, but I'm really excited about what we do. If you can't tell, I think, No, it definitely comes, the future is very strong, especially with the passage in July of Trump's, I call it the big beautiful bonus depreciation tax bill because bonus depreciation and section 1 79 enhancements for equipment and other things and other things that will be, I think, expanded with opportunity zones and research and development tax credits. The way that they also just enhanced that program as well. Many folks don't understand it yet because there was a requirement to amortize some of the expenses of r and d over five years, but now you get the research and development tax credit plus a hundred percent of the qualifying expenses being able to be captured year one, so that's very powerful for US companies. Dave: Yeah, no, that is great. And one of the other things that I appreciate about you all is that you all really stay in your lane. I feel like on the tax side, there's other firms that do cost and r and d that have just broadened their tax focus even more broadly, pick up things like the IC disc. So it's hard for me to get excited about referring a cost segregation study to a firm that does IC disc, so I've always, Mike: Yeah, it's a bit of a competitive overlap in those situations. Dave: Yeah, yeah. It's a less comfortable introduction. Mike: We have a saying within our organization, we call it habu, right? Highest and best use, what is my highest and best use? What should I be focused on doing for that client? My highest and best use is not trying to understand and replicate your service around icdisc. The best situation is for me to recognize opportunities and then bring in David and his team to implement a strategy for the client and the CPAs like that as well, because we're not trying to do what they do. We're just trying to compliment different situations, be a specialist at what we're really good at, and in our engineered advisory platform. That's where I can bring in you for the IC disc. I might have someone else that I'm working with if that client's buying an aircraft, for example, of how to legally structure it correctly, how to maximize the tax benefits, and I want to be an amazing, whether you want to call it an offensive coordinator or quarterback, that I might be throwing the ball sometimes. Other times I might be passing it off to somebody else, but I want to build a great team so that we're successful at the end for the client. Dave: Sure. No, that's certainly been my experience with you guys. What do you love most or enjoy most about your current role with ETS? What really gets you excited? Mike: Well, my title, I'm not big on titles, but it's managing Director of Engineered Tax and Advisory. So technically what that title means is I direct and I manage, I direct high level client relationships and strategic partnerships and strategies and new product development. I also help manage our, I work together with our executive team to help manage our executives across the country, either if they're in business development, some of them obviously are in engineering or other specialties within our firm or the legal team that does some structuring work for clients, but that's what I do. My favorite part of what I do is the relationships that I'm building with the clients. It might be a brand new relationship. It might be one from 15, 20 years ago, but it's watching that. Yeah, it's watching that CPA firm grow or helping that CPA firm grow and expand or diversify their services or meeting that entrepreneur that has a business and they're trying to understand the tax code, how to lower taxes, how do I increase cashflow? What are the risks or pitfalls, and really working with that entrepreneur or that business owner together with that ccp. That is my most favorite part of what I do, because I'm an entrepreneur at heart. I got it from my family, my mom and dad. Were always very entrepreneurial, but it's hard. You can't do it yourself. It takes a great team. I mentioned a couple of mentors that I worked with. I hope that one day I can be a mentor to some of these people that we've worked with over the years, and maybe it is the specialty tax or the energy incentives or the structuring or strategy, but also personally, we learn a lot about our clients and we share a lot personally with them. But that's absolutely my most favorite is the relationships that we've built, the stories and the journeys that we've had together. And if we do a good job, we actually do very little marketing and advertising out there. Of course, I speak at some events and do some sessions around the country, but largely our business has expanded very successfully because of those relationships and those referrals and that organic growth. Like, Hey, have you heard about engineered tax? And do you know what Mike does? You should give him a call. I watch my emails every day, and that's what makes me so happy is I remember that relationship. I remember that Miami Dolphins game, whoever it was, or the dinner that we might've had, or the beer that we might have shared somewhere where we personally built that relationship, And that's something that I'm even more so focused on right now because our world is now moving very fast in terms of technology and ai, and I think that's great, and we are a tech enabled company that we utilize those things to deliver our services and strategies as efficiently as possible for the client. But I think even more so right now, it's all about, hi again, human intelligence. We want to talk, just like you and I are doing right now, folks want to meet, yes, they want tech enabled strategies and AI to help us do things better. I think that's great, but I have, and we have a renewed focus on the human intelligence, the human relationship, the human strategy together, because I think we can do so much more if we get back to the old school relationship building strategy, building together at the human level, and then of course we'll utilize technology to make that better, faster, stronger. Dave: Yeah, no, and that's certainly that. Those relationships are certainly my favorite part of the business. The clients, the CPA firms, the other advisors, lawyers, you guys. So man, I can't believe how the time has flown by. So as we're rounding the home stretch, I have just a couple more questions. Mike: All right. Dave: If you could go back in time and give advice to your 25-year-old self, what advice might you give? Mike: Continue to surround myself with people much smarter than me. As I look back, the biggest opportunities that I had was being in what I thought at the time was uncomfortable situations with people that like, wow, this person really knows what they're doing with real estate, or This person really knows what they're doing with finance. But now looking back those situations of surrounding myself with really smart or savvy people or someone much more experienced than I was, that's where I really learned the opportunities around real estate development, around relationship building, around strategy, and structuring. Those mentors that I spent time with. I would tap myself on the shoulder and say, do more of that. Do more of that. If there's people that are wasting my time or going down avenues that really aren't good for me professionally or personally, don't waste time with that. Put myself in the room at the table in uncomfortable situations with people much smarter than myself. And even today, I try to do that every day is with some of the new technologies around AI or crypto or finance or strategy or real estate. Who are the innovators? Who are the people that really seem to be leading? I try to put myself in those situations, so that's what I would remind my young self is to take advantage of mentors, because you can really learn, and sometimes it's not until years later that you realized what you learned. Dave: Yeah. I think that's great advice, not only for your 25-year-old self, but any 25-year-old and probably any business professional who's still trying to learn and grow. Mike: Yeah. One other thing. Dave: Yeah, Mike: One more thing. As Steve Jobs used to say, don't focus on, I would tell myself not to focus on what I think the path is at that point, because the path is going to change the strategy, the job course of action, the winds are going to change. Ebb and flow, I always say is my personal mantra. The tide comes in, the tide comes out, but you can always learn to surf. You can't stop the waves, but you can always learn to surf. So don't try to be too tactful in the direction that you're going, because things will change. Companies will change and expect that change is what I'm trying to say. So expect the change that will continue to happen in our lives. Dave: Okay. Well, yeah, I like that. Thank you very much. So as we wrap up, I really just have one more question, and that is, is there anything I didn't ask you that you wish I had asked V? Anything we didn't talk about that we should have? Mike: You asked some really good questions. It sounds like we could talk all afternoon if we wanted to. The only thing you didn't ask me is about my family, and actually the thing I'm most proud of, I mentioned I live in Charlotte, North Carolina. My wife Laura, has been an amazing force in our relationship for stability and really helping me to do what I do because being on the road, it's very challenging. But my son Rocco and my daughter Lucia, are getting old and driving now as later stage teenagers. It's having those rocks behind me that really help with this ability to allow me to do what I do with our clients nationally. So I really appreciate them, and that's my other, that is my most favorite accomplishment in life of what I've been able to achieve with my family and do this professionally with engineered tech services and advisory. Dave: Yeah, understood. Yeah, because ultimately it's about relationships, both professional and personal at the end of the day. Well, anything else we didn't cover or shall we go ahead and wrap it up? Mike: I think we covered enough for now. I think we might have more to talk about. Again, I have some other ideas of topics we should talk about coming up here in the fall. There'll be some new things that we're doing. Dave: Let's do that. We'll have you back, not too distant. Future for a part two. Mike: All right. Dave: Well, Mike, I really, really appreciate the opportunity to work with you and the whole team, and you guys have taken great care of our clients. We really appreciate that and we appreciate the trust you all have placed in us to serve some of your clients as Mike: Well. Thanks, Dave. I appreciate you. Special Guest: Mike D'Onofrio.

1.When Politicians Panicked: The New Corona Virus, Expert Opinion, and a Tragic Lapse of Reason by John Tamney, argues that the severe economic contraction experienced in 2020 was primarily a consequence of politicians' panicked reactions and forced lockdowns, rather than the inherent lethality of the COVID-19 virus itself. Tamney highlights Governor Cuomo's March 20, 2020, decision to shut down New York, portraying the economy as a "valve" that could be arbitrarily opened and closed, which led to an immediate and severe contraction that persisted long after. The book contends that financial markets had already accounted for the virus's severity based on early signals from China, where US companies like Apple, GM, Nike, and Starbucks maintained strong performance, indicating the virus was not indiscriminately lethal. The real market panic, leading to a "very quick correction," occurred when politicians demonstrated their ability to "wreck an economy" through drastic actions like shutting down events such as South by Southwest in Texas. This response is contrasted with the 1968 Hong Kong flu pandemic, which caused 100,000 American deaths (equivalent to 250,000 today) but saw no significant market reaction or political lockdowns, primarily because technology at the time made such widespread closures impractical without risking "mass riots". Tamney criticizes the government's subsequent interventions, such as the CARES Act and the Paycheck Protection Program (PPP), for being akin to "central planning" imposed on top of political decrees. He argues these programs indiscriminately propped up entities like private schools, Harvard, and the Los Angeles Lakers, instead of allowing market forces to determine which businesses would adapt or fail. This "nationalization of investment" through government checks and loans was deemed anti-investment and merely delayed recovery by diverting capital from those most capable of investing to those most likely to consume, which does not drive economic growth. The author advocates for economic growth and individual freedom as the most effective responses to health threats. He points to examples like the voluntary disappearance of hand sanitizer and toilet paper before official shutdowns, and an individual living in a tent in Florida to protect his family despite no mandates, demonstrating that people don't need laws to avoid illness. Tamney suggests that a constitutional "right to contract" and return to work should protect individuals from such mandates. He concludes that the resilience shown by private enterprise, such as Pfizer developing a vaccine without "Operation Warp Speed" money, underscores that a healthy economy fostered by freedom is the best defense against disease. The core lesson, he asserts, is "never again take away people's freedom". 1919 AUSTRALIA QUARENTINE.

2. When Politicians Panicked: The New Corona Virus, Expert Opinion, and a Tragic Lapse of Reason by John Tamney, argues that the severe economic contraction experienced in 2020 was primarily a consequence of politicians' panicked reactions and forced lockdowns, rather than the inherent lethality of the COVID-19 virus itself. Tamney highlights Governor Cuomo's March 20, 2020, decision to shut down New York, portraying the economy as a "valve" that could be arbitrarily opened and closed, which led to an immediate and severe contraction that persisted long after. The book contends that financial markets had already accounted for the virus's severity based on early signals from China, where US companies like Apple, GM, Nike, and Starbucks maintained strong performance, indicating the virus was not indiscriminately lethal. The real market panic, leading to a "very quick correction," occurred when politicians demonstrated their ability to "wreck an economy" through drastic actions like shutting down events such as South by Southwest in Texas. This response is contrasted with the 1968 Hong Kong flu pandemic, which caused 100,000 American deaths (equivalent to 250,000 today) but saw no significant market reaction or political lockdowns, primarily because technology at the time made such widespread closures impractical without risking "mass riots". Tamney criticizes the government's subsequent interventions, such as the CARES Act and the Paycheck Protection Program (PPP), for being akin to "central planning" imposed on top of political decrees. He argues these programs indiscriminately propped up entities like private schools, Harvard, and the Los Angeles Lakers, instead of allowing market forces to determine which businesses would adapt or fail. This "nationalization of investment" through government checks and loans was deemed anti-investment and merely delayed recovery by diverting capital from those most capable of investing to those most likely to consume, which does not drive economic growth. The author advocates for economic growth and individual freedom as the most effective responses to health threats. He points to examples like the voluntary disappearance of hand sanitizer and toilet paper before official shutdowns, and an individual living in a tent in Florida to protect his family despite no mandates, demonstrating that people don't need laws to avoid illness. Tamney suggests that a constitutional "right to contract" and return to work should protect individuals from such mandates. He concludes that the resilience shown by private enterprise, such as Pfizer developing a vaccine without "Operation Warp Speed" money, underscores that a healthy economy fostered by freedom is the best defense against disease. The core lesson, he asserts, is "never again take away people's freedom". 1918 SEATTLE

3. When Politicians Panicked: The New Corona Virus, Expert Opinion, and a Tragic Lapse of Reason by John Tamney, argues that the severe economic contraction experienced in 2020 was primarily a consequence of politicians' panicked reactions and forced lockdowns, rather than the inherent lethality of the COVID-19 virus itself. Tamney highlights Governor Cuomo's March 20, 2020, decision to shut down New York, portraying the economy as a "valve" that could be arbitrarily opened and closed, which led to an immediate and severe contraction that persisted long after. The book contends that financial markets had already accounted for the virus's severity based on early signals from China, where US companies like Apple, GM, Nike, and Starbucks maintained strong performance, indicating the virus was not indiscriminately lethal. The real market panic, leading to a "very quick correction," occurred when politicians demonstrated their ability to "wreck an economy" through drastic actions like shutting down events such as South by Southwest in Texas. This response is contrasted with the 1968 Hong Kong flu pandemic, which caused 100,000 American deaths (equivalent to 250,000 today) but saw no significant market reaction or political lockdowns, primarily because technology at the time made such widespread closures impractical without risking "mass riots". Tamney criticizes the government's subsequent interventions, such as the CARES Act and the Paycheck Protection Program (PPP), for being akin to "central planning" imposed on top of political decrees. He argues these programs indiscriminately propped up entities like private schools, Harvard, and the Los Angeles Lakers, instead of allowing market forces to determine which businesses would adapt or fail. This "nationalization of investment" through government checks and loans was deemed anti-investment and merely delayed recovery by diverting capital from those most capable of investing to those most likely to consume, which does not drive economic growth. The author advocates for economic growth and individual freedom as the most effective responses to health threats. He points to examples like the voluntary disappearance of hand sanitizer and toilet paper before official shutdowns, and an individual living in a tent in Florida to protect his family despite no mandates, demonstrating that people don't need laws to avoid illness. Tamney suggests that a constitutional "right to contract" and return to work should protect individuals from such mandates. He concludes that the resilience shown by private enterprise, such as Pfizer developing a vaccine without "Operation Warp Speed" money, underscores that a healthy economy fostered by freedom is the best defense against disease. The core lesson, he asserts, is "never again take away people's freedom". 1919 DC.

4. When Politicians Panicked: The New Corona Virus, Expert Opinion, and a Tragic Lapse of Reason by John Tamney, argues that the severe economic contraction experienced in 2020 was primarily a consequence of politicians' panicked reactions and forced lockdowns, rather than the inherent lethality of the COVID-19 virus itself. Tamney highlights Governor Cuomo's March 20, 2020, decision to shut down New York, portraying the economy as a "valve" that could be arbitrarily opened and closed, which led to an immediate and severe contraction that persisted long after. The book contends that financial markets had already accounted for the virus's severity based on early signals from China, where US companies like Apple, GM, Nike, and Starbucks maintained strong performance, indicating the virus was not indiscriminately lethal. The real market panic, leading to a "very quick correction," occurred when politicians demonstrated their ability to "wreck an economy" through drastic actions like shutting down events such as South by Southwest in Texas. This response is contrasted with the 1968 Hong Kong flu pandemic, which caused 100,000 American deaths (equivalent to 250,000 today) but saw no significant market reaction or political lockdowns, primarily because technology at the time made such widespread closures impractical without risking "mass riots". Tamney criticizes the government's subsequent interventions, such as the CARES Act and the Paycheck Protection Program (PPP), for being akin to "central planning" imposed on top of political decrees. He argues these programs indiscriminately propped up entities like private schools, Harvard, and the Los Angeles Lakers, instead of allowing market forces to determine which businesses would adapt or fail. This "nationalization of investment" through government checks and loans was deemed anti-investment and merely delayed recovery by diverting capital from those most capable of investing to those most likely to consume, which does not drive economic growth. The author advocates for economic growth and individual freedom as the most effective responses to health threats. He points to examples like the voluntary disappearance of hand sanitizer and toilet paper before official shutdowns, and an individual living in a tent in Florida to protect his family despite no mandates, demonstrating that people don't need laws to avoid illness. Tamney suggests that a constitutional "right to contract" and return to work should protect individuals from such mandates. He concludes that the resilience shown by private enterprise, such as Pfizer developing a vaccine without "Operation Warp Speed" money, underscores that a healthy economy fostered by freedom is the best defense against disease. The core lesson, he asserts, is "never again take away people's freedom". 1919 TEXAS

Unfortunately, more Americans are using their 401(k)'s for financial emergencies I'm sure some will disagree with me based on the headlines arguing they were so happy that they had their 401(k) to tap for whatever their financial emergency was. In my opinion, people are thinking short term and not thinking about the long-term crisis when they retire in 20 or 30 years and then might be living at the poverty level because their 401(k) was not large enough to generate a decent income and social security was far less than they thought. I also want people to understand based on how fast medical technology is moving, in 20 to 30 years you may be spending more time in retirement than the 20 years or so that you were thinking. The numbers are frightening when I look at them and I have wished many times that the 401(k) would eliminate the ability to access funds before retirement like the old pension plans from companies. According to Vanguard, 2024 saw a record of 4.8% of workers that took a hardship distribution for a financial emergency. This was more than double the 2% level in 2019. Even more frightening was nearly 33% of people decided to take and cash in their 401(k) when they changed jobs in spite of the fact of paying taxes and penalties as opposed to rolling that retirement over to an IRA rollover or their new 401K plan. Congress in their infinite wisdom has made it easier to qualify for withdrawals from 401(k)'s for emergencies. I believe the Congress that set up the 401K in 1978 under The Revenue Act of 1978 did not envision the raiding of 401(k)'s for emergencies. I'm pretty confident in 1978 Congress felt this would be a great retirement plan for all Americans, not an emergency fund of to pay off debt. I highly recommend before people take any money out of the 401(k), they talk to a real financial professional to understand the taxes and penalties they are paying. It's not just the taxes and penalties, and one should also figure out the future value of what that account could have grown to and how that withdrawal could devastate their retirement!   Inflation report shows some positives and some negatives The July Consumer Price Index, also known as CPI, showed an annual increase of 2.7%, which was in line with June's reading and below the expectation of 2.8%. The headline number was helped by energy, which showed an annual decline of 1.6%, largely thanks to a decline of 9.5% for gasoline. Energy services on the other hand were not as favorable considering an increase of 5.5% for electricity and 13.8% for utility (piped) gas service. I do wonder if the power demand for these large data centers is starting to put a strain on the grid and I worry this could become even more problematic. As for core CPI, which excludes food and energy, it was up 3.1% from a year ago and was slightly above the forecast of 3%. This was a slight increase from the 2.9% level in June and the highest annual increase since February. Surprisingly, shelter continues to be a large reason for the elevated inflation rate as it was still up 3.7% compared to last year. In terms of tariffs showing up in the report, it still appeared to be subdued. Furniture was up 7.6% compared to last year, but other areas that I would anticipate seeing pressure like apparel and new vehicles saw little change. New vehicle prices were up just 0.4% compared to last year and apparel prices were actually lower by 0.2%. I did see an economist point out the fact that core goods inflation on an annual basis registered the largest growth in over two years, but at 1.2% I wouldn't say that is putting strain on the economy. These tariffs will likely put continued pressure on inflation, but if other areas like shelter continue to see less inflation that could counteract that pressure and keep overall inflation in a manageable situation. Based on the slowing labor market and these manageable levels of inflation I do believe the Fed should cut in September.   What does the national debt surpassing $37 trillion mean for you?  On Tuesday, August 12th, the United States national debt passed $37 trillion for the first time ever. The debt is growing at about $6 billion per day, but that appears to be better than last year. In July 2024, the national debt passed $35 trillion and then in November 2024 it surpassed $36 trillion. Looking for some positives here, it did take nine months for the debt to grow another $1 trillion to the $37 trillion mark. At the end of the second quarter, debt to GDP stood at 119.4%, which is manageable but should not go much higher. Hopefully we can have a slowdown in debt expansion or maybe even a reversal and still have the GDP increase. The reason having a high national debt is a negative is it takes investment out of the private sector to fund our national debt, which can slow down the growth in our economy. A large national debt can also cause interest rates to increase as the need for more debt often means offering higher interest rates to attract buyers. It is also important to know that even when the Federal Reserve cuts interest rates, that generally has a larger impact on the short end of the curve, which includes instruments like treasury bills. Your long-term debt, such as 5–10-year notes are not controlled by what the Federal Reserve does and instead is based on supply and demand. It would not be a wise move for the government to only issue short-term debt for a lower rate because if rates were to increase in the future for whatever reason, that could cause our national debt to grow out of control and potentially cause a financial collapse. Also, keep in mind that generally mortgage rates align with the rates for longer term debt and now with some car loans being six or seven years, the interest rates for those loans will probably not drop because they are now longer-term loans not the old 3-to-4-year loans they used to be. We are not in trouble yet, but we are getting close to the edge and we need to grow the economy and still reduce the national debt so our country can continue to prosper and grow.   Financial Planning: Changes Coming to Charitable Giving The One Big Beautiful Bill Act, signed on July 4, 2025, delivers some new changes coming to how charitable giving may be deducted. For the first time since the pandemic-era CARES Act, those who claim the standard deduction will be able to deduct cash donations up to $1,000 for single filers and $2,000 for joint filers.  This will act as an above-the-line deduction in addition to the standard deduction.  For itemizers, however, the law imposes a new 0.5% of AGI floor, meaning only contributions above that threshold will count toward deductions, potentially reducing benefits for those making smaller annual gifts. For example, a tax filer with an AGI of $200,000 receives no tax benefit on the first $1,000 (.5%) of donations. Also, itemizers are not able to take advantage of the $1,000 to $2,000 above-the-line charitable deduction that standard deduction filers can.  In addition, high earners who are in the 37% tax bracket will only receive a 35% deduction on charitable donations. All of these changes go into effect in 2026, so those claiming the standard deduction may want to wait until then while itemizers and high earners may want to make donations before the end of the year.   Companies Discussed: Intel Corporation (INTC), UnitedHealth Group Incorporated (UNH), Nexstar Media Group, Inc. (NXST) & Bloomin' Brands, Inc. (BLMN)

The One Big Beautiful Bill Act affects charitable contributions for retirees and individuals considering their tax strategies. I'm walking you through three major changes: the restoration of the charitable cash deduction for non-itemizers, new limitations on how much can be deducted for larger contributions, and a cap on itemized deductions for high earners. Whether you give to charity every year, are planning a large gift, or just want to maximize your tax benefits, I'm sharing practical tips about when and how to make your contributions in light of these updates. You will want to hear this episode if you are interested in... [00:00] More about increased standard deductions due to the SALT cap. [06:09] New charitable donation tax deduction limits starting in 2026. [10:20] The One Big Beautiful Bill Act limits itemized deductions in the highest tax bracket. [11:29] Front-load large charitable contributions this year for better tax deductions before a cap starts in 2026. How the One Big Beautiful Bill Act is Changing Charitable Giving and Deductions There are three pivotal ways the new One Big Beautiful Bill Act (OBBBA) is altering charitable contributions. Whether you're a casual donor or serious philanthropist, these changes will affect your strategy starting in the next tax year. Here's what you need to know: 1. Restoration: Above-the-Line Charitable Deductions for Non-Itemizers For years, most taxpayers lost the ability to deduct their charitable contributions unless they itemized deductions—a rare scenario since the 2017 tax act doubled the standard deduction. Previously, a temporary provision under the CARES Act allowed a small above-the-line charitable deduction for non-itemizers. However, that expired in 2021. Thanks to section 70424 of the OBBBA, this above-the-line deduction is back, and it's here to stay—starting in 2026. The new rule permits single filers to deduct up to $1,000 and joint filers up to $2,000 in cash contributions, regardless of whether they itemize. There are, however, clear conditions: Only cash gifts qualify: No clothing drop-offs or appreciated securities—just cash, checks, or debit card donations count. Certain charities excluded: Gifts to supporting organizations (“509A3” charities) or donor-advised funds won't count toward this deduction. 2. New Limitations for Itemized Deductions and Carryforwards Historically, taxpayers who itemize could deduct up to 60% of their adjusted gross income (AGI) in cash gifts to public charities, and up to 30% or 20% for gifts of securities or for donations to private charities. The OBBBA introduces a new wrinkle: starting in 2026, there's an additional cap—regardless of what percentage of your AGI you donate, your deduction will be reduced by half a percent (0.5%) of your AGI. Here's how it works: Apply the usual AGI percentage limits (60%, 50%, 30%, or 20%) per current IRS rules. Subtract half a percent of your AGI from your allowable deduction. For example, if your AGI is $60,000 and you donate $50,000 in cash, ordinary limits allow a $36,000 deduction. With the new rule, you must subtract $300 (0.5% of $60,000), leaving $35,700 as your deductible amount for the year. If your donation exceeds the limit, you can still carry forward the extra for five years, but the carry-forward will also be subject to the new cap in future years. 3. Caps on Itemized Deductions for Top Earners For those at the pinnacle of the income scale, in the highest (soon to be 37%) tax bracket, the OBBBA imposes an extra limitation. Starting in 2026, you'll see a 2% reduction in the tax benefit of your itemized deductions. That means a $10,000 gift, which may have saved you $3,700 in taxes under the old rules, might now only save $3,500. If you're planning a substantial charitable contribution and expect to be in the top tax bracket, aim to make your gift in 2025 to maximize tax savings before the cap bites.  Whether you itemize or not, these new caps and restored deductions mean you probably need to take a second look at your charitable plans. Smart timing—waiting until 2026 for the non-itemizer deduction, and acting before then to maximize deductions for itemizers—can make a significant difference for your taxes and your favorite causes. Resources Mentioned Retirement Readiness Review Subscribe to the Retire with Ryan YouTube Channel Download my entire book for FREE Connect With Morrissey Wealth Management  www.MorrisseyWealthManagement.com/contact   Subscribe to Retire With Ryan

Synchronoss Technologies Chief Financial Officer Lou Ferraro joined Steve Darling from Proactive to announce that the company has received its anticipated tax refund under the 2020 CARES Act, totaling $33.9 million. This amount includes $5.9 million in interest from the Internal Revenue Service. Ferraro stated that the company has already received $30.2 million of the refund, and 75% of that—approximately $22.6 million—has been used to pay down Synchronoss's existing term loan at par. The IRS has indicated the remaining $3.7 million is expected to be received by Labor Day 2025. In total, approximately $25.4 million of the refund will be allocated to reduce a portion of the company's $200 million term loan facility, as stipulated in the Credit Agreement. This repayment will generate an estimated $2.9 million in annual interest savings at the current rate. Ferraro also noted that Synchronoss has reduced its overall debt by more than $100 million over the past four years. Furthermore, the company anticipates qualifying for a one-time 50-basis point reduction in its loan interest rate on the first anniversary of the term loan, based on the improved leverage ratio. This strategic use of the tax refund reinforces Synchronoss's ongoing efforts to strengthen its balance sheet and reduce financial liabilities. #proactiveinvestors #synchronosstechnologiesinc #nasdaq #sncr #cloud #CloudRevenue #Q12025Results #JeffMiller #RecurringRevenue #TechEarnings #VerizonCloud #ATandTCloud #InvestorUpdates #TPBirchGrove #SoftwareGrowth #Refinancing

In this episode of Passing Judgment, host Jessica Levinson interviews Chris Stein, senior politics reporter for The Guardian US, about the "big, beautiful bill" driven by President Trump and congressional Republicans. Stein explains that the bill makes the 2017 tax cuts permanent, primarily benefiting high earners, while also introducing new deductions and extending some relief for select groups. He highlights significant cuts to Medicaid and SNAP, noting these changes are delayed until after the midterms, while increased funding for immigration enforcement and the border wall takes effect more quickly. The episode also addresses the bill's large projected impact on the federal deficit and the political strategy behind delaying the most controversial cuts. Levinson and Stein wrap up with insights into House Democrats' push for Trump-related Epstein files, illustrating the limited tools available to the minority party.Here are three key takeaways you don't want to miss:Tax Changes: Immediate Relief, Long-Term Effects: The bill makes the Trump-era tax cuts permanent, creating significant (and expensive) relief that primarily benefits top earners, while also introducing temporary new cuts for working-class voters. However, not everyone qualifies, and the flipside could mean fewer resources for government programs.Social Safety Nets: Delayed Pain, Lasting Impact: Major changes to Medicaid and SNAP (food stamps) are built in—including work requirements and shifting costs to states. Crucially, these cuts are delayed until after the next midterms, affecting rural and Trump-leaning areas the most, but the full consequences won't be felt until later election cycles.Immigration and Deficit: Shifting Priorities, Bigger Budget: The bill pours billions into border enforcement—including ICE, deportations, and the border wall—while still adding an estimated $3.4 trillion to the federal deficit over the next decade, eclipsing even the emergency pandemic-era spending.Follow Our Host: @LevinsonJessica

00:03:50 - 00:18:12Trump's $175 billion Golden Dome missile defense system aims to use space-based interceptors to counter advanced missiles, but China warns it risks militarizing space and sparking an arms race. Congress estimates costs at $500 billion over 20 years. Russia's nuclear-powered Burevestnik missile, with unlimited range, could render it obsolete, raising concerns about budget overruns and SpaceX's involvement. 00:18:36 - 00:26:10Neocons push for war with Iran, demanding its nuclear program's dismantlement, while MAGA influencers like Bannon and Greene favor diplomacy. This reflects public exhaustion with Middle East wars, opposing defense contractors' agendas, with the host noting a hopeful shift against escalation. 00:31:12 - 00:38:12The Pentagon, citing unverified Chinese “super soldier” claims, proposes genetic experiments on U.S. troops using CRISPR and mRNA, alongside biosurveillance. Ethical concerns arise over human experimentation and CIA ties, with deregulation favoring biotech firms, risking taxpayer funds and safety. 00:44:45 - 00:53:36Trump grants asylum to 54 Afrikaner South Africans facing violence and land confiscation, confronting Ramaphosa with evidence of “white genocide.” The host supports this, criticizing media deflections and narrow refugee definitions, emphasizing the severe persecution Afrikaners endure. 01:17:37 - 01:36:07The FDA now requires trials for COVID-19 vaccines for healthy people aged 6 months to 64, but approved high-risk group vaccines without data, rushed by Trump's “warp speed.” A Senate report reveals Biden officials hid myocarditis risks in young men, delaying warnings despite early signals, driven by corporate interests. Low vaccine uptake (13% kids, 23% adults) and rising heart issues highlight the cover-up. 01:36:07 - 01:40:50Medpage Today confirms RFK Jr.'s claim that the MMR mumps vaccine is ineffective, admitting Merck's fraudulent data, but dismisses him as a lawyer. Failed lawsuits left untested, harmful vaccines on the market, with one-third of trial kids facing health issues, exposing systemic vaccine regulation flaws. 01:48:10 - 02:01:35A bill strips states' AI regulation rights for 10 years, a Trump-backed federal power grab seen as unconstitutional. States urged to block AI infrastructure. Vermont pauses its EV mandate, citing weak tech and infrastructure, resisting California's 2035 EV push, which could set a national standard. 02:04:03 - 02:08:48Rep. Luna's bill seeks to repeal the Patriot Act, blamed for post-9/11 surveillance and rights violations. The host sees 9/11 as a pretext for wars and a police state, urging the act's end to curb intelligence agency abuses and restore privacy. 02:10:21 - 02:34:23Cecile Richards, dead at 67 from brain cancer, is condemned for leading 3.5 million abortions at Planned Parenthood and alleged fetal part sales. Her unrepentant stance, Freedom from Religion awards, and Biden's Medal of Freedom are criticized as anti-God. Kushner's 2017 funding offer was rejected. Abortion's 2024 toll (45.1 million, 42% of deaths) and 60% of African American deaths are called “black genocide.” GOP's funding via CARES Act ($80 million) and MAGA's defense of Trump's vaccines are slammed. 02:37:05 - 02:49:03Brown Foods' “Unreal Milk” and Israeli lab-grown dairy, like Wilk, claim to cut emissions by 82%, backed by Gates and USDA despite no farming. Biomilq targets infants, tied to C40's no-dairy push. Called “tumor milk,” it's criticized as an anti-agriculture, climate-driven scam with lax FDA oversight. 02:50:39 - 03:00:36Trump's “Gold Card” visa, costing $5 million, claims 250,000 applicants to raise $1 trillion, but only 277,000 global millionaires qualify. Offering tax-free foreign income and no country caps, it's decried as a corrupt deal for Trump's allies, bypassing vetting and America-first values.Follow the show on Kick and watch live every weekday 9:00am EST – 12:00pm EST https://kick.com/davidknightshow Money should have intrinsic value AND transactional privacy: Go to https://davidknight.gold/ for great deals on physical gold/silver For 10% off Gerald Celente's prescient Trends Journal, go to https://trendsjournal.com/ and enter the code KNIGHT Find out more about the show and where you can watch it at TheDavidKnightShow.comIf you would like to support the show and our family please consider subscribing monthly here: SubscribeStar https://www.subscribestar.com/the-david-knight-showOr you can send a donation throughMail: David Knight POB 994 Kodak, TN 37764Zelle: @DavidKnightShow@protonmail.comCash App at: $davidknightshowBTC to: bc1qkuec29hkuye4xse9unh7nptvu3y9qmv24vanh7Become a supporter of this podcast: https://www.spreaker.com/podcast/the-david-knight-show--2653468/support.

00:03:50 - 00:18:12Trump's $175 billion Golden Dome missile defense system aims to use space-based interceptors to counter advanced missiles, but China warns it risks militarizing space and sparking an arms race. Congress estimates costs at $500 billion over 20 years. Russia's nuclear-powered Burevestnik missile, with unlimited range, could render it obsolete, raising concerns about budget overruns and SpaceX's involvement. 00:18:36 - 00:26:10Neocons push for war with Iran, demanding its nuclear program's dismantlement, while MAGA influencers like Bannon and Greene favor diplomacy. This reflects public exhaustion with Middle East wars, opposing defense contractors' agendas, with the host noting a hopeful shift against escalation. 00:31:12 - 00:38:12The Pentagon, citing unverified Chinese “super soldier” claims, proposes genetic experiments on U.S. troops using CRISPR and mRNA, alongside biosurveillance. Ethical concerns arise over human experimentation and CIA ties, with deregulation favoring biotech firms, risking taxpayer funds and safety. 00:44:45 - 00:53:36Trump grants asylum to 54 Afrikaner South Africans facing violence and land confiscation, confronting Ramaphosa with evidence of “white genocide.” The host supports this, criticizing media deflections and narrow refugee definitions, emphasizing the severe persecution Afrikaners endure. 01:17:37 - 01:36:07The FDA now requires trials for COVID-19 vaccines for healthy people aged 6 months to 64, but approved high-risk group vaccines without data, rushed by Trump's “warp speed.” A Senate report reveals Biden officials hid myocarditis risks in young men, delaying warnings despite early signals, driven by corporate interests. Low vaccine uptake (13% kids, 23% adults) and rising heart issues highlight the cover-up. 01:36:07 - 01:40:50Medpage Today confirms RFK Jr.'s claim that the MMR mumps vaccine is ineffective, admitting Merck's fraudulent data, but dismisses him as a lawyer. Failed lawsuits left untested, harmful vaccines on the market, with one-third of trial kids facing health issues, exposing systemic vaccine regulation flaws. 01:48:10 - 02:01:35A bill strips states' AI regulation rights for 10 years, a Trump-backed federal power grab seen as unconstitutional. States urged to block AI infrastructure. Vermont pauses its EV mandate, citing weak tech and infrastructure, resisting California's 2035 EV push, which could set a national standard. 02:04:03 - 02:08:48Rep. Luna's bill seeks to repeal the Patriot Act, blamed for post-9/11 surveillance and rights violations. The host sees 9/11 as a pretext for wars and a police state, urging the act's end to curb intelligence agency abuses and restore privacy. 02:10:21 - 02:34:23Cecile Richards, dead at 67 from brain cancer, is condemned for leading 3.5 million abortions at Planned Parenthood and alleged fetal part sales. Her unrepentant stance, Freedom from Religion awards, and Biden's Medal of Freedom are criticized as anti-God. Kushner's 2017 funding offer was rejected. Abortion's 2024 toll (45.1 million, 42% of deaths) and 60% of African American deaths are called “black genocide.” GOP's funding via CARES Act ($80 million) and MAGA's defense of Trump's vaccines are slammed. 02:37:05 - 02:49:03Brown Foods' “Unreal Milk” and Israeli lab-grown dairy, like Wilk, claim to cut emissions by 82%, backed by Gates and USDA despite no farming. Biomilq targets infants, tied to C40's no-dairy push. Called “tumor milk,” it's criticized as an anti-agriculture, climate-driven scam with lax FDA oversight. 02:50:39 - 03:00:36Trump's “Gold Card” visa, costing $5 million, claims 250,000 applicants to raise $1 trillion, but only 277,000 global millionaires qualify. Offering tax-free foreign income and no country caps, it's decried as a corrupt deal for Trump's allies, bypassing vetting and America-first values.Follow the show on Kick and watch live every weekday 9:00am EST – 12:00pm EST https://kick.com/davidknightshow Money should have intrinsic value AND transactional privacy: Go to https://davidknight.gold/ for great deals on physical gold/silver For 10% off Gerald Celente's prescient Trends Journal, go to https://trendsjournal.com/ and enter the code KNIGHT Find out more about the show and where you can watch it at TheDavidKnightShow.comIf you would like to support the show and our family please consider subscribing monthly here: SubscribeStar https://www.subscribestar.com/the-david-knight-showOr you can send a donation throughMail: David Knight POB 994 Kodak, TN 37764Zelle: @DavidKnightShow@protonmail.comCash App at: $davidknightshowBTC to: bc1qkuec29hkuye4xse9unh7nptvu3y9qmv24vanh7Become a supporter of this podcast: https://www.spreaker.com/podcast/the-real-david-knight-show--5282736/support.

Message us!In this episode, we jump into the recent updates around the Health Care PRICE Transparency Act bill that provides statutory authority for requirements for hospitals and health insurance plans to disclose certain information about the costs for items and services. Our guests, Jolee Patnaude and Jon Karp join together to keep you informed what this bill means for hospitals as well as individuals with healthcare insurance across the United States. Topics Discussed:Timeline and background of this bill, beginning in 2019Insights on what compliance under this bill looks like for hospitalsWhat this bill means for everyday consumers with medical insurance and how to benefit from new clear pricing informationFill out this form to have new episodes sent right to your inbox! Follow Whitley Penn on LinkedIn, Instagram, Facebook, and X for more industry insights and thought leadership!

One of the big challenges for community banks and credit unions is that they often have a very concentrated base of customers. The vast majority of their accounts could be with people and businesses within a 100-mile radius. While setting up digital tools can allow these banks and credit unions to expand beyond their home base, this comes with a lot of expense and complexity. When it comes to lending programs there is a much simpler alternative.My next guest on the Fintech One-on-One podcast is Vince Passione, the CEO and C0-Founder of LendKey. I last had Vince on the show all the way back in 2016, so a lot has changed since then. They have created this new technology they call network lending which solves for the problem of customer concentration for credit unions and banks, at least when it comes to the lending side of the balance sheet.In this podcast you will learn:The highlights of LendKey's evolution over the last nine years.Their long partnership with Navy Credit Union.How they have expanded into the home improvement market.The impact of the CARES Act on their education financing business.How the needs of credit unions have been evolving.The changes that will impact the ParentPLUS and GradPLUS lending programs.What differentiates those credit unions that can go after the younger generation and those that can't.Why private student loans will have to take up the slack, particularly for graduate student loans.How their network lending programs work.Why network lending is a great way for credit unions to diversify their portfolio.How they decide who becomes the lender of record for these loans.Why they launched ALIRO in 2021 to allow others to set up their own lending networks.What the next five to ten years look like for LendKey.Connect with Fintech One-on-One: Tweet me @PeterRenton Connect with me on LinkedIn Find previous Fintech One-on-One episodes

Disclaimer: This video was recorded in March of 2022.I had a killer conversation with Christa Hilton, the conservative single mom and entrepreneur behind Drunk Republic. We didn't get political. We got real. Christa started reading the entire CARES Act during COVID when her business consulting for small businesses had to shut down. What she discovered sent her down a rabbit hole of government waste, hidden spending, and ridiculous programs that American taxpayers unknowingly fund. We dove into the insanity of public school systems, why parents need to take back their power, and how Christa's approach to showing her son real life in Portland—drugs, homelessness and all—is creating a kid who thinks critically about everything. Christa shared how her 12-year-old son can already see through political BS on both sides. School choice, government spending, entrepreneurship, parenting—this conversation covers it all. Christa's podcast Drunk Politics is cutting through the noise and exposing what our government is really doing with our money. Go check her out on Instagram @thechristahilton and at drunkrepublic.co.We Meet:Connect:Connect with Rick: https://linktr.ee/mrrickjordanConnect with Krista: https://www.drunkrepublic.co/ Subscribe & Review to ALL IN with Rick Jordan on YouTube: https://www.youtube.com/c/RickJordanALLINAbout Krista: Conservative single mom & entrepreneur still living in Portland, OR. Started a brand called Drunk Republic and a podcast called Drunk Politics (it's a play on words calling out how drunk on power our politicians are) out of a burning need to get fellow Americans to wake up to the madness that is perpetuating in our country and then do something about it. She's been invited onto Newsmax multiple times talking about HOW conservatives can get involved in starting to take back their cities, especially the very liberal ones, as well as how she is raising her son with conservative values having pulled him out of the public school system to homeschool him while going on a cross country roadtrip before putting him in a small Christian private school.

PODCAST: LAS NOTICIAS CON CALLE DE 3 DE ABRIL DE 2025 - Federales metidos en Educación con subpoena contra senador PNP - El Nuevo Día - Alcaldes podrían cobrarle a pueblo por servicios, mientras a punto de perder 116 millones por informes malos - El Nuevo Día - Darian 5100 a familias que sufrieron daños por educación especial, tienen hasta 2 de junio - El Nuevo Día - EPA apoya a gobernadora para que no apliquen regulaciones ambientales ante emergencia - El Vocero - Hacienda tiene mega fallo dando acceso a gente al garete a secretos de contribuyentes - El Nuevo Día - Secretaria de Estado finalmente entrega documentos para confirmación- Primera Hora - Ciudad deportiva Roberto Clemente sigue en el teque - Primera Hora - Federales han detenido ya 70 millones de fondos de reconstrucción - El Vocero - Federales arrestan por Cares Act y fondos de pandemia - Wapa - Solteros tienen menos riesgo de demencia - Axios - Gobernadora envía carta a Peter Navarro asesor de Trump - Guerra económica de Trump, medicamentos exentos - Axios - Empiezas las tarifas a los carros - NYT- Israel extiende su guerra ahora a Syria, Líbano y otros parece que permanentemente - Bloomberg - Tarifa a China subió a 76% - ChadBown - Musk supuestamente quedaría fuera, pero dice que es Fake News - Politico - Varias ofertas para comprar Tiktok, Amazon y Blackstone tienen propuestas ante cierre el sábado - FT- Culpable Guillito - Primera Hora- Trump en guerra económica - Metro

#gobierno #campaña #politica Baile, botella y baraja para "celebrar" los cien días del gobierno de Jenniffer González. | La guerra comercial que se avecina con la imposición de aranceles de parte de la administración Trump. | Arrestan a dos hermanos de Georgie Navarro por fraude al Cares Act o fondos del CONIVD19. | Gobernadora se alinea con los fundamentalistas religiosos de Proyecto Dignidad y abraza el determinismo biológico. ¡Conéctate, comenta y comparte! #periodismoindependiente #periodismodigital #contexto

#investigación #historial #acusaciones Los hermanos del representante novoprogresista, Georgie Navarro Suárez, son acusados de pagar sobornos a un empleado de un banco para defraudar al gobierno federal a través de los PPP, prestamos con fondos del Cares Act en medio de la pandemia. Información, evidencia y análisis. | La Gobernadora y su orden ejecutiva de emergencia para eximir a empresas de producción de gas metano como NFE, en medio de su entrada al puerto de San Juan de una barcaza sin permiso de autoridades federales. ¡Conéctate, comenta y comparte!

#gobierno #campaña #politica Baile, botella y baraja para "celebrar" los cien días del gobierno de Jenniffer González. | La guerra comercial que se avecina con la imposición de aranceles de parte de la administración Trump. | Arrestan a dos hermanos de Georgie Navarro por fraude al Cares Act o fondos del CONIVD19. | Gobernadora se alinea con los fundamentalistas religiosos de Proyecto Dignidad y abraza el determinismo biológico. ¡Conéctate, comenta y comparte! #periodismoindependiente #periodismodigital #contexto

#investigación #historial #acusaciones Los hermanos del representante novoprogresista, Georgie Navarro Suárez, son acusados de pagar sobornos a un empleado de un banco para defraudar al gobierno federal a través de los PPP, prestamos con fondos del Cares Act en medio de la pandemia. Información, evidencia y análisis. | La Gobernadora y su orden ejecutiva de emergencia para eximir a empresas de producción de gas metano como NFE, en medio de su entrada al puerto de San Juan de una barcaza sin permiso de autoridades federales. ¡Conéctate, comenta y comparte!

Send us a textFairfax criminal defense lawyer Jonathan Katz named this podcast Beat the Prosecution in sync with his teacher SunWolf's watchword that reality is no obstacle. By shooting for the stars, great outcomes be achieved in court. Nonetheless, plenty of criminal defendants get convicted, requiring all criminal defense lawyers to be great at sentencing. Recently, Jon Katz's fellow criminal defense lawyer Bret Lee told Jon of his and lawyer Marvin Miller's Northern Virginia federal criminal defense client Felicia Donald, saying she was willing to be on Jon's podcast. Dr. Donald is a physician who in 2020 entered a guilty plea to one prescription drug violation count involving opioids and one health care fraud count. Despite the prosecution's request for a fourteen year prison sentence and to include obstruction of justice in her sentencing guidelines, Dr. Donald's legal team obtained a sentence that was half of that, and that avoided a finding of obstruction. Dr. Donald is Jon Katz's second former inmate to appear on the Beat the Prosecution podcast. A big difference between the two is that the first such guest, Susan Crane, engages in peace actions against armaments and military facilities, admits her actions and asserts their justification under international law. Most other criminal defendants, including Dr. Donald, never seek any prosecution nor attention to their prosecution. Where most convicted criminal defendants would prefer to keep a low profile about their cases, Dr. Donald does a big service to current and future defendants by here discussing step-by-step her oversight in not securing a lawyer before she reported alleged wrongdoing by one of her employees to law enforcement officers (LEO) and before she turned over her cellphone and business documents to LEO, how she chose her initial and subsequent legal team, how she weathered the storm of incarceration during the pandemic and found opportunities to help fellow inmates, how she witnessed seriously inadequate health care for numerous inmates and dealt with her own serious health issues as an inmate, and how she obtained a sentence commutation under the CARES Act. For this episode, then, beating the prosecution is about obtaining the best possible sentence and being as resilient as possible from the point of arrest to the time of release from incarceration. Jon thanks Felicia Donald and Bret Lee for joining him. This podcast with Fairfax, Virginia criminal / DUI lawyer Jon Katz is playable on all devices at podcast.BeatTheProsecution.com. For more information, visit https://KatzJustice.com or contact us at info@KatzJustice.com, 703-383-1100 (calling), or 571-406-7268 (text). If you like what you hear on our Beat the Prosecution podcast, please take a moment to post a review at our Apple podcasts page (with stars only, or else also with a comment) at https://podcasts.apple.com/us/podcast/beat-the-prosecution/id1721413675

Chris defends Thomas Massie against MAGA attacks for opposing the CARES Act. He slams the COVID cash drop as an inflationary disaster—your $1,200 check cost you more in rising prices. www.watchdogonwallstreet.com

Tom Raleigh, Founding Attorney of Halsted Law Group, returns after being on Episode 40 to talk evictions! Tom jumps right in by breaking down the eviction process and the timelines in 2025. He gives great tips on getting ahead of the process and emphasizes the importance of staying on top of tenants and not waiting too long to file the eviction case. Tom hits us with rapid fire eviction stats including neighborhoods and even streets where his office has had the most eviction filings. He closes with top insights on complying with Fair Housing and tenant screening to avoid eviction court altogether! If you enjoy today's episode, please leave us a review and share with someone who may also find value in this content! ============= If you enjoy today's episode, please leave us a review and share with someone who may also find value in this content! Connect with Mark and Tom: StraightUpChicagoInvestor.com Email the Show: StraightUpChicagoInvestor@gmail.com Guest: Tom Raleigh, Halsted Law Group Link: Tom Raleigh's LinkedIn Link: Meditations (Book Recommendation) Link: Shawn Ryan Show (Podcast Recommendation) Guest Questions 02:27 Housing Provider Tip - Dial in your tenant screening process to prevent issues! 04:17 Intro to our guest, Tom Raleigh! 5:01 The Eviction Process in 2025. 12:48 How can landlords get ahead in the eviction process? 21:56 Rapid fire stats on Tom's eviction filings! 30:40 Housing Section of the CARES Act. 39.28 10 Day Notice for Cause. 47:36 Tips for Landlords to avoid Fair Housing violations. 55:41 What is your competitive advantage? 56:15 One piece of advice for new investors. 56:32 What do you do for fun? 56:58 Good book, podcast, or self development activity that you would recommend?  57:38 Local Network Recommendation?  58:38 How can the listeners learn more about you and provide value to you? ----------------- Production House: Flint Stone Media Copyright of Straight Up Chicago Investor 2025.

Kevin Howard's journey defies conventional political stereotypes. A former lifelong Democrat, military veteran, and business banker, he takes us through his shift in ideology after witnessing firsthand how economic policies have crushed small businesses and the middle class. In this explosive conversation, we break down the real causes of wealth inequality, the hidden manipulation of financial markets, and why Trump's support continues to rise despite media narratives. From the Powell Memo to the 2008 bailouts and COVID-era crony capitalism, this episode is a wake-up call for anyone disillusioned with both major parties.Chapters: 00:00:00 – Welcome to the Podcast: Introducing Kevin Howard 00:00:54 – A Democrat Who Voted for Trump: Kevin's Political Shift 00:02:10 – From Banking to Business: The Reality of the American Dream 00:05:59 – Why It's Harder Than Ever to Start a Business 00:07:24 – How Economic Policies Have Crushed the Middle Class 00:24:35 – The 2008 Financial Crisis: What Really Happened? 00:44:42 – Why the Stock Market Boomed While the Economy Collapsed 00:45:10 – The Federal Reserve's $4 Trillion Game-Changer 00:45:39 – Who Really Benefited From the CARES Act? 00:47:24 – PPP Loans: Lifeline or Massive Fraud? 00:49:11 – How the Fed Gave Corporations a Free Pass 00:56:42 – The Housing Market Bubble: Who's Driving Prices Up? 01:01:35 – Why Trump's Support Is Surging Across the Country 01:03:09 – Trump vs. The Establishment: What Drives Him? 01:10:09 – The Power Moves Behind Trump's First Term 01:22:28 – NATO, Ukraine, and The Global Chessboard 01:25:04 – Crimea, Russia, and The Peace Deals No One Talks About 01:26:34 – How NATO Expansion Shaped Global Conflicts 01:28:11 – The Media's Role in Shaping Public Perception 01:29:05 – Single-Issue Voters and Trump's Foreign Policy Moves 01:30:11 – Trump's 2024 Strategy: Who's Advising Him Now? 01:32:44 – How Endless Wars Shape America's Economy 01:35:38 – Historical Narratives vs. Reality: What We're Not Told 01:45:38 – Trump's Health Policies & The "Unity Agenda" 02:02:20 – The Kamala Harris Debate: Political Optics vs. Reality 02:05:07 – Climate Change: Hype or Economic Game-Changer? 02:06:42 – The Data War: Who Controls the Climate Narrative? 02:10:10 – How Climate Policy Impacts the Economy 02:14:39 – Moving Away from Fossil Fuels: What's the Real Plan? 02:18:31 – Can Innovation & Global Cooperation Solve the Crisis? 02:26:36 – Economic and Political Takeaways for the Future 02:40:46 – Final Thoughts & Kevin Howard's Call to ActionLinks and Resources:Onward, At Last by Kevin HowardWebsite------------Quickly- I'm Scott Groves - Husband, Father, Loan Officer, Coach, Author, Podcaster, and Blue Belt in Brazilian Jiu-Jitsu. I gave up boxing, where I was 5-0 in amateur fights, when I turned 40. BJJ is safer for old men than getting punched in the head :-)You can find out everything about me HERE:⁠⁠www.LinkTr.ee/ScottLGroves⁠⁠This podcast is paid for and brought to you by.... by me, Scott Groves :-)Because I think these kind of long form conversations are valuable, I pay for 100% of the production of this show out of my pocket. This channel is FAR from monetization and because of the subject matter, may never be monetized.I am a Mortgage Loan Officer & Loan Officer Coach in real life. It's the money that I earn, from helping home-buyers and home-owners obtain home-loans, that pays for this show. If you, your friends, or your family are looking for a home loan from an honest Loan Officer, please contact me at Scott@ScottGrovesTeam.com or find all my links to connect HERE: www.LinkTr.ee/ScottLGrovesI can do the loan for you (our team is licensed in 8 states) - OR - I can refer you to an amazing loan officer in the state where you're searching. ON WITH THE SHOW!!!New Full Episodes are released every THURSDAY at 10:00am and clips are released frequently throughout the week. SO MAKE SURE YOU SUBSCRIBE!!!-------------

3pm: Metro to resume bus fare inspections: What to expect // Washington Supreme Court hands landlords major victory after CARES Act challenge // Starbucks lays off 1,100 corporate employees as coffee chain streamlines // President Says Workers Who Don’t Respond to Musk’s Email Risk Being Fired // 'It's just chaos': Local TSA employee gets conflicting messaging about job justification query // I Stand Corrected - Ask, Tell, Correct, or Yell at John about anything // Thoughts on Trump’s approach to Ukraine // Zelenskyy refuses to sign Trump’s rare earths deal — but official says pact is close // Gen-Z has rediscovered sabbaticals; dubbed them “micro-retirements”

When Does a 5 Day Notice Become a 30 Day Notice? ============= If you enjoy today's episode, please leave us a review and share with someone who may also find value in this content! Connect with Mark and Tom: StraightUpChicagoInvestor.com Email the Show: StraightUpChicagoInvestor@gmail.com Guest: Mark Ainley, Straight Up Chicago Investor Podcast Link: Enforcing the CARES Act 30-Day Eviction Notice Requirement ----------------- Production House: Flint Stone Media Copyright of Straight Up Chicago Investor 2025.

Deric Gilliard went from the civil rights and social justice space into the Federal governement, where he worked 25 years. He served under the past 5 administrations and is an expert in health care policy and communications. We discuss the Affordable Care Act, the art of legislation, the polarization of politics, and other topics.Deric A. Gilliard retired in 2022, after 25 years as a federal employee working withpolitical appointees in the Clinton, Bush, Obama, Trump, and Biden administrations.Prior to his work as public affairs advisor to the HHS regional directors for the eightsoutheastern states, Gilliard served as the national communications director for Dr.King's organization, the Southern Christian Leadership Conference. Gilliard also workedin communications for two HBCUs and wrote for USA Today, Time, and the WichitaEagle-Beacon, and was an editor for the Atlanta Daily World. Gilliard is currentlyworking as a consultant with WSP, a multi-national company that was awarded a grantby the DOI to develop a National Park Service monument to honor and memorialize thecontributions of the 1961 Freedom Riders. He is a career communications professionaladept at strategic planning and the execution of communication strategies that promoteorganizational messaging and branding. Key policy issues within his portfolio includethe Affordable Care Act, maternal health, HIV/AIDS, SUDS, Medicaid expansion,healthcare access, COVID, diversity, and the CARES Act. A public speaker andhistorian, Gilliard spoke to the troops in Germany shortly before Desert Storm andserved as the first keynote speaker at the Rosa Parks Museum in Montgomery, AL. Theson of military parents, Gilliard also served as the principal non-Muslim promoter of theMillion Man March, covered the Atlanta Missing and Murdered Children cases andworked with SCLC President Lowery to raise the issues of economic justice, voterredistricting, and the burning of the black churches. Gilliard authored his master's thesison Joseph Echols Lowery and the Resurrection of the Southern Christian LeadershipConference. He is author of Living in the Shadows of a Legend: Unsung Heroes and'Sheroes' who Marched with Dr. Martin Luther King, Jr. Earning his B.A. in Journalismat the University of Kansas and his M.A. in African-American Studies at Georgia StateUniversity, Gilliard is a member of Omega Psi Phi Fraternity, Inc., and the NationalAssociation of Black Journalists.

Welcome to the Financial Freedom & Wealth Trailblazers Podcast! In this episode, we'll dive into one of the most powerful strategies you can use: leveraging real estate to not only grow your wealth but also keep more of it in your pocket.  Jon Chan's journey into real estate began in March 2020, when the world shut down, and he found himself sitting at a breakfast table-turned-shared desk with his pregnant wife. It was a moment of realization: if one of them couldn't work, they wouldn't be in a good position. With no playbook for navigating a pandemic, Jon began searching for a better way. At the time, Jon was managing properties for his father, and while he'd always heard that real estate was the path to wealth, the numbers didn't seem to add up. Motivated and curious, he searched YouTube for “how to scale in real estate,” which was the catalyst for change. Taking a leap of faith, Jon used the CARES Act to pull out $200K and dove into the BRRRR method. He initially believed that success in real estate was as simple as “see property, buy property, collect rent.” However, he quickly discovered that building something meaningful required far more than numbers and transactions—it demanded grit, adaptability, and resilience. Real estate has become a transformative journey for Jon, not just as an investor, but also as a husband, father, friend, and son. It has challenged him to grow in ways he never anticipated, shaping how he approaches life and relationships. What began as a pursuit for financial security has evolved into a passion for building a future—brick by brick, lesson by lesson. Connect with Jon here:  https://www.facebook.com/jonchanrei https://www.linkedin.com/feed/ https://www.instagram.com/jonchanrei/ https://www.youtube.com/@jonchanrei =================================== If you enjoyed this episode, remember to hit the like button and subscribe. Then share this episode with your friends. Thanks for watching the Financial Freedom & Wealth Trailblazers Podcast. This podcast is part of the Digital Trailblazer family of podcasts. To learn more about Digital Trailblazer and what we do to help entrepreneurs, go to DigitalTrailblazer.com. Are you a coach, consultant, expert, or online course creator? Then we'd love to invite you to our FREE Facebook Group where you can learn the best strategies to land more high-ticket clients and customers.  QUICK LINKS:  APPLY TO BE FEATURED: https://app.digitaltrailblazer.com/podcast-guest-application DIGITAL TRAILBLAZER: https://digitaltrailblazer.com/

The US economy's extraordinary recovery since the darkest days of the COVID-19 pandemic has continued into the fall of 2025, with inflation retreating and the Federal Reserve cutting interest rates to keep jobs and investment humming along. Our expert panel discusses where the economy is growing fastest—and less fast—and what this means for state and local budgets and finances. Our panel of experts includes Rochester (Minnesota) Mayor Kim Norton, Georgia State Economist Robert Buschman, Fitch Ratings head of US State ratings Eric Kim, and PIMCO Senior Vice President Tom Schuette. Notable Quotes: “We were very pleased that money came directly to the cities and local jurisdictions, so we didn't have to go through a lot of time to get it through the state. It was very beneficial to get that money into our communities quickly, starting with ARPA and then the CARES Act funds.” - Mayor Kim Norton “Since the last quarter before the pandemic, Q4 2019, Georgia real GDP growth has run 2.4% per year, on average, slightly better than the 2.3% average for the nation. And though we had our own soft landing in the first half of 2023, we're up 3.5% since then, compared to 3% for the nation. Job growth has also outpaced the nation for most of the expansion.” - Bob Buschman “Growth coming out of the pandemic has been very robust nationally, so strong in fact that it beats expectations month after month, quarter after quarter, year after year. I think most economists were anticipating a recession for about two years before finally giving up and accepting that the economic growth was simply going to continue, even with the Federal Reserve ratcheting up interest rates above 5%.” - Eric Kim “I think in 20-plus years doing this at a rating agency and also on the buy side, I would argue that I've never seen the public sector so well-prepared for any turbulence or volatility on the revenue or expenditure side as they are right now.” - Tom Schuette Be sure to subscribe to Special Briefing to stay up to date on the world of public finance. Learn more about the Volcker Alliance at: volckeralliance.org Learn more about Penn IUR at: penniur.upenn.edu Connect with us @VolckerAlliance and @PennIUR on Twitter, Facebook and LinkedIn Special Briefing is published by the Volcker Alliance, as part of its Public Finance initiatives, and Penn IUR. The views expressed on this podcast are those of the panelists and do not necessarily reflect the position of the Volcker Alliance or Penn IUR.

Dennis is joined by Shawn Donovan, an Economic Recovery Corps (ERC) Fellow working in West Virginia. They discuss the Economic Recovery Corp, what it is like to be an ERC Fellow and Shaun's work in West Virginia. New River Gorge National Park ERC Project Project Title: Redefining West Virginia's Region 1's Economy; Life After Coal Host Community or Region: West Virginia Host Organization: Region I Planning & Development Council, in collaboration with the Town of Fayetteville, WV A New Partnership for Economic Transformation - 65 Fellows, 65 Catalytic Projects, 42 States, 2 Territories The Economic Recovery Corps (ERC) program launched in 2023 through a $30 million cooperative agreement with the U.S. Department of Commerce's Economic Development Administration (EDA). Funded through the CARES Act, ERC aims to address long-standing economic disparities in America that surfaced during the COVID-19 pandemic, build capacity in  -hard-hit communities, and cultivate the next generation of economic development leaders. The ERC program is led by the International Economic Development Council (IEDC) in partnership with six leading national organizations from across the economic development landscape. Over a 30-month Fellowship, 65 Fellows are working alongside Host Organizations in under-resourced communities, building a nationwide corps of diverse, cross-sector talent with the skills and expertise to activate regional strategies and promote innovation. The Fellowship promotes connectivity and knowledge-sharing among urban, rural, and tribal areas to elevate new practices and transform the field of economic development.

In this episode of our podcast, we sit down with Brock Blake, the co-founder and CEO of Lendio, to discuss the incredible journey of his company during the COVID-19 pandemic and beyond. Brock shares how Lendio pivoted to help hundreds of thousands of small businesses access vital funding through the Paycheck Protection Program (PPP) and the challenges they faced along the way.We dive into the impact of the pandemic on small businesses, the importance of integrity in lending, and the innovative technology Lendio is using to streamline the loan process. Brock also discusses the company's exciting new SaaS products aimed at both lenders and borrowers, and how they are leveraging data to better serve the small business community.Join us as we explore Brock's insights on leadership, the entrepreneurial spirit in Utah, and the lessons he's learned over nearly two decades in the industry. Whether you're a small business owner, an aspiring entrepreneur, or just curious about the world of lending, this episode is packed with valuable information and inspiration.00:00 - Introduction and Overview of Lindio's Journey00:19 - Impact of COVID-19 on Lindio01:54 - Challenges and Sacrifices During the Pandemic02:35 - Survival Mode and Motivation03:49 - Navigating the CARES Act and Compliance05:14 - Fraud and Scams During the PPP07:20 - Comparing Fraud Levels Across States08:03 - Identity Verification and Technology Use11:02 - AI's Role in Lindio's Operations13:19 - Why Lindio is Not a Lender14:48 - Longevity in Leadership and Experience16:08 - Insights on the State of the Economy19:05 - Phase Two: New Products and Services25:09 - SBA Loan Processing Improvements25:47 - Traction with Bank Products26:50 - Motivation and Daily Routine30:03 - Leadership Lessons Learned31:11 - Utah's Unique Business Environment32:04 - Final Thoughts on Giving ChancesIf you enjoyed this video and want to support us please leave a LIKE, write a comment on this video and Share it with your friends. Subscribe to our channel on YouTube and click the icon for notifications when we add a new video. Let us know in the comments if you have any questions. Our website: https://www.siliconslopes.comShow Links: https://www.lendio.com/Social:Twitter - https://twitter.com/siliconslopesInstagram - https://www.instagram.com/siliconslopes/LinkedIn - https://www.linkedin.com/company/silicon-slopes/YouTube - https://www.youtube.com/channel/UC8aEtQ1KJrWhJ3C2JnzXysw

In this episode of the Friends for Life Podcast, we dive into the critical discussions happening in Congress as the deadline for the Autism CARES Act reauthorization looms. The Autism CARES Act, a vital piece of legislation that has been the backbone of federal support for autism since 2006, is set to expire on September 30, 2024. With both the Senate and House proposing their versions of the bill, the future of autism research, services, and support hangs in the balance. We explore the key differences between the proposed bills and what they mean for the autism community. From increasing funding to introducing new provisions that focus on aging and speech limitations, these changes could significantly impact the lives of individuals with autism. The episode also discusses the importance of ensuring that federal investment aligns with the community's needs, particularly for those requiring 24-hour care and young adults transitioning to adulthood. As the deadline approaches, the urgency for action becomes more apparent. Join us as we unpack the potential implications of the Autism CARES Act's renewal and what it could mean for millions of people across the country. Will Congress come together to secure the future of this critical legislation, or will the autism community face a gap in essential support? Listen in to find out.

Frankly, we should probably trace this crisis back to Woodrow Wilson in 1913 and the establishment of a private banking cartel (The Federal Reserve) which has printed this nations currency into oblivion while funneling cold hard cash to the well-connected corporate, banking and government class for over 100 years.Or perhaps it was Nixon going off the gold standard in 1971 which took the shackles off the FED and created the drunken sailor spending politicians of the 20th Century. We could also scrutinize the 2008 real estate collapse which introduced us to ‘too big to fail' which bailed out Wall Street while screwing Main Street and finally the bubble bandaids and private equity schemes which have superficially inflated our economy ever since. It's a lot.The point is … this moment has been a long time coming, there are many culprits and there is NO easy way out. Simply labeling this ‘The Kamala Crash' is lazy and superficial.But a good start is the TRUTH. It will set us free and if we're honest … it was COVID Lockdowns, the establishment of ‘essential vs. non-essential' and a tidal wave of CARES Act debt spending that drove the final nail in the coffin and set us on the path to economic destruction.We START the discussion today on The Shannon Joy Show._______________________________Show Resources & Links:The CARES Act Sent You a $1,200 Check but Gave Millionaires and Billionaires Far Morehttps://www.propublica.org/article/the-cares-act-sent-you-a-1-200-check-but-gave-millionaires-and-billionaires-far-moreAn Editorial Comment on Private Equity - By Catherine Austin Fittshttps://brownstone.org/articles/hotez-calls-for-police-deployment-against-anti-vaxxers/You ARE The Commodity - Surveillance Capitalism - By Dr. Robert Malonehttps://brownstone.org/articles/surveillance-capitalism-you-are-the-commodity/_________________________________Please Support Our Sponsors:THRILLED to welcome Patriot Mobile to the Shannon Joy family of sponsors!! The LEADING Christian, conservative telecom company and the very definition of parallel economies. SWITCH today at www.patriotmobile.com/joy and use the promo code JOY for a FREE month of service!!Colonial Metals Group is a valued sponsor of the SJ Show! Set up a SAFE & Secure IRA or 401k with a company who shares your values and supports this show! Learn about your options HERE ——> https://colonialmetalsgroup.com/joySPECIAL OFFER: Get a FREE bottle of Nano Powered Omega-3's with your purchase of The Liver Health Formula!Go to GetLiverHelp. Extra special bonus from Field of Greens!!!!Plug in the promo code SHANNON for an additional 15% off your purchase!Go to www.fieldofgreens.com to shop and save! Support the Show.Please Support Our Sponsors! Achieve financial independence with Colonial Metals Group!!! Set up a SAFE & Secure IRA or 401k with a company who shares your values and supports this show! Learn about your options HERE ——>https://colonialmetalsgroup.com/joy Get FIT and healthy with your daily serving of Field of Greens!!! Go to www.fieldofgreens.com and use the promo code JOY for 15% off! For TOTAL phone security and privacy check out our sponsors at Connecta Mobil! Visit them TODAY at www.Phone123.com/Joy Or talk to a real person by calling: 941-246-2156

Michigan Attorney General Dana Nessel says criminals have been calling Michiganders and telling them they have CARES Act money available but must claim it immediately. WWJ's Greg Bowman reports the bad actors use that as an opening to steal your personal information. -- Good news for borrowers: The Federal Reserve seems increasingly convinced that the inflation rate will drop to the desired 2% which could signal rate cuts in the coming months.

What's poppin, con-gregation? Caleb Hearon joins us to discuss a cheating chief of police who falsified documents to hide his many affairs. Plus, a Texas resident scams millions of CARES Act money from Uncle Sam. Stay schemin!  Research by Sharilyn Vera.  Pre-Order Laci's book “Scam Goddess: Lessons from a Life of Cons, Grifts and Schemes.”  https://www.hachettebookgroup.com/titles/laci-mosley/scam-goddess/9780762484652/?lens=running-press On Sunday, Sept. 22nd, Laci will be hosting the Scam Goddess Live: 5 Year Anniversary @ the Regent Theatre in Los Angeles.  For Tickets: https://regentdtla.com/tm-event/scam-goddess-live-five-year-anniversary/ Follow on Instagram: Scam Goddess Pod: @scamgoddesspod Laci Mosley: @divalaci Caleb Hearon: @sooootruepod  SOURCES:https://heavy.com/news/jason-collier/https://www.dallasobserver.com/arts/three-timing-texas-police-chief-jason-collier-arrested-by-texas-rangers-11982954https://abc7news.com/ppp-fraud-houston-covid-funds-scam-business-owners-bought-luxury-cars-with-loans-ladonna-wiggins/10385500/

In this episode, we look at the intentional financial collapse of the United States, that will usher in Universal Basic Income. Website: thefacthunter.comEmail: thefacthunter@mail.comSnail Mail: George Hobbs PO Box 109 Goldsboro, MD  21636Show notes Will Trump chicken out of the presidential debate? Probably. He's a Grade-A coward. https://www.usatoday.com/story/opinion/columnist/2024/06/25/trump-biden-presidential-debate-cnn-rigged/74195698007/ Over 1,700 Ukrainian forces killed in 24 hours: Russia https://www.presstv.ir/Detail/2024/06/24/728059/Over-1,700-Ukrainian-forces-killed Covid-19 pandemic will ‘bring socialism to US' and transform the world – Nassim Taleb to RT https://www.rt.com/news/497465-nassim-taleb-pandemic-socialism/?ysclid=lxt46t5fjz706201515 Americans Must Now Accept The Hard, Cold Reality That The Coronavirus Outbreak Is Intentionally Being Used To Collapse The U.S. Economy https://www.nowtheendbegins.com/coronavirus-crisis-being-used-to-crash-american-economy-cloward-piven-strategy/ Cloward–Piven strategy https://en.wikipedia.org/wiki/Cloward–Piven_strategy Richard Cloward https://en.wikipedia.org/wiki/Richard_Cloward Democratic Socialists of America https://en.wikipedia.org/wiki/Democratic_Socialists_of_America Guaranteed minimum income https://en.wikipedia.org/wiki/Guaranteed_minimum_income Why you need to know about the Cloward-Piven strategy for destroying America https://www.naturalnews.com/052296_Cloward-Piven_strategy_liberals_destruction_of_America.html CARES Act https://en.wikipedia.org/wiki/CARES_Act Consolidated Appropriations Act https://en.wikipedia.org/wiki/Consolidated_Appropriations_Act,_2021 Rudy Davis Website https://yearofjubile.com Jeremy Brown https://www.jeremybrowndefense.com USSG Firearm Violence Pamphlet https://www.hhs.gov/sites/default/files/firearm-violence-advisory.pdf Orioles Pride Night https://www.thefacthunter.com/post/mlb-pushing-pride-agenda-on-our-youth

I'm not a financial advisor; Superpowers for Good should not be considered investment advice. Seek counsel before making investment decisions.Watch the show on television by downloading the e360tv channel app to your Roku, AppleTV or AmazonFireTV. You can also see it on YouTube.When you purchase an item, launch a campaign or invest after clicking a link here, we may earn a commission. Engage to support our work.In today's episode of "Superpowers for Good," I had the pleasure of hosting Chris Miller, Founding Board Member and Chair of the National Coalition for Community Capital. We delved into an exciting discussion about diversified community investment funds, a vital tool for anyone interested in building vibrant, resilient communities.Chris eloquently introduced us to the concept and evolution of these funds, explaining their transformation from a theoretical concept to a practical solution energized by investment crowdfunding. As Chris noted, these funds are about harnessing local capital to solve local problems effectively, and he shared how these funds enable regular people to invest in the well-being of their communities.“The background is that there's been a fleeing of the idea that capital is controlled locally to it now being controlled by a very small number of people who don't live in your community,” Chris explained. He passionately argued for the return of local capital control, which investment crowdfunding facilitates, allowing community members to contribute to local businesses and projects.Moreover, Chris highlighted the dual focus of these funds on real estate and community businesses, emphasizing that while 60% of investments must be in real estate, the remaining can flexibly support local enterprises. This structure not only addresses urgent needs like housing but also bolsters local businesses, crucial for community vibrancy.One of the most compelling parts of our conversation was when Chris discussed the potential of these funds to make significant, tangible impacts: “Even a few million dollars here or there, you're talking real money, right?” This statement highlights the practical benefits and real-world applications of community investment funds, highlighting their role in revitalizing and transforming communities.As we wrapped up, Chris's enthusiasm was palpable. He shared his excitement about upcoming projects in Detroit and Cincinnati, where these funds are set to make a substantial impact. It's clear from our conversation that diversified community investment funds not only offer a promising avenue for economic development and community resilience but also represent a profound shift towards more equitable and locally-focused investment strategies.For anyone interested in sustainable community development and economic resilience, this episode is a treasure trove of insights and actionable ideas, all thanks to Chris's deep expertise and commitment to community capital.AI Episode Summary1. The episode features Devin Thorpe hosting Chris Miller from the National Coalition for Community Capital, focusing on diversified community investment funds, a key tool for community builders.2. Chris Miller describes his dual role working for a leading observatory telescope manufacturer and dedicating half his week to advancing community capital with NC3, a movement borne from economic development challenges in Michigan during the Great Recession.3. Miller discusses the initial logical and philosophical discussions around investment crowdfunding at NC3's inception, highlighting its importance in enabling non-accredited investors to invest locally and contribute to community well-being.4. The episode explores the limitations of charitable loan funds in community investment, pointing out their restrictions on investment returns and their charitable purpose constraints, which make them unsuitable for broader community wealth-building efforts.5. Diversified community investment funds are introduced as a solution that allows for pooled resources to be reinvested locally, with a primary focus on real estate investments and the flexibility to support various local businesses and projects.6. The structure and legal underpinnings of creating such funds are elaborated, with an emphasis on staying compliant with the Investment Company Act of 1940 by primarily investing in real estate while also supporting other community ventures.7. Chris Miller shares examples of piloted funds in Detroit and Cincinnati, aiming to rejuvenate neighborhoods through coordinated efforts involving local nonprofits, faith-based institutions, and innovative building projects to stimulate economic and community development.8. The conversation addresses the process of raising capital under regulation crowdfunding for these funds, detailing the strategic use of exemptions under the Investment Company Act that allow for raising money from non-accredited investors.9. Upcoming engagements and opportunities to learn more about diversified community investment funds are mentioned, including Chris Miller's speaking event at SuperCrowdChicago and other informational resources available through NC3.10. The episode wraps up with a discussion on the potential impact of these investment funds on community revitalization, wealth building, and the importance of capital recirculation within local economies for sustainable development.Guest ProfileChris Miller (he/him):Founding Board Member and Chair, National Coalition for Community CapitalAbout National Coalition for Community Capital: NC3 works to advance the Community Capital movement. This engagement of regular (retail) investors into businesses and projects in their own communities empowers citizens while it builds financial resilience and wealth for individuals and communities.Website: NC3now.orgLinkedin: linkedin.com/company/nc3now/Biographical Information: Chris MillerBoard Chair/Founding Member, National Coalition for Community Capital (NC3)Chris Miller is chair and one of the founding board members of the National Coalition for Community Capital, a 501c3.  Among NC3's goals are to empower ordinary citizens and strengthen local economies though community investment and ownership, with particular attention to wealth-building by non-accredited investors and to underserved populations and communities.Chris has been working on community, economic, and entrepreneur development in Michigan for nearly 20 years in a variety of roles, including as an appointed and elected city official, as a board member and frequent chair of a variety of community and economic development organizations, as a partner with student teams from the University of Michigan and Michigan State University,  as an Innovation Fellow at the Michigan State University EDA Center for Regional and Economic Innovation, and as the City of Adrian's economic developer. During that time, in addition to securing millions of grant dollars and matching private investments, he also developed a local investor group, led a community business plan competition, and worked with local schools to implement entrepreneurship education. While working his day job in Adrian, he also introduced and championed Michigan's MILE – an investment crowdfunding exemption that served as a national model, and he currently has introduced legislation that would create a first-in-the-nation investment incentive available to any state resident regardless of wealth.During 2023, Chris worked extensively on a new program the International Economic Development Council developed called the Economic Recovery Corps. Funded with Cares Act dollars from the Economic Development Administration, 65 ERC Fellows were awarded to 65 hosts from across the county. The Fellows will work full time with their hosts for 2.5 years addressing underserved communities in a variety of economic and community development projects. NC3 was awarded a Fellow to work in Michigan in the start-up and incubator space, adding community investors to capital required by new or expanding businesses.Over the past decade, Chris has spoken across the country on the promise and future of community capital, while also working on the ground on donation and investment crowdfunding campaigns with communities and entrepreneurs. Chris is the developer and lead for NC3's Community Capital Accelerator which is now piloting NC3's Diversified Community Investment Fund in large projects in Detroit, Michigan and Cincinnati, Ohio, and expects to see the launch of funds in Rhode Island and Petoskey, Michigan in 2024.  In addition, the organization is working on projects in nearly a dozen states.  Today, Chris and his wife Joyce own and live in a 170-year-old downtown Adrian building where they renovated the commercial floor for The Buzz Café and Marketplace.  Joyce and her business partners opened The Buzz during COVID, after an investment crowdfunding campaign that received investment from 45 investors in 7 different states.  When not working on their building renovation, Chris led the team that brought PlaneWave Instruments from California to Michigan and now serves as their Special Projects Consultant.  In that role, Chris serves as the primary community and education outreach lead, manages campus arts partners, and works with economic development organizations as well as State and Federal governments to secure resources for PlaneWave.  From their headquarters in Michigan, PlaneWave leads the world in the design and manufacture of high-tech observatory-class research telescopes.Linkedin: linkedin.com/in/christopher-miller-93391378/Upcoming SuperCrowd Event CalendarIf a location is not noted, the events below are virtual.* Impact Cherub Club Meeting hosted by The Super Crowd, Inc., a public benefit corporation, on May 21, 2024, at 1:00 PM Eastern. Each month, the Club meets to review new offerings for investment consideration and to conduct due diligence on previously screened deals. To join the Impact Cherub Club, you must first become an Impact Member of the SuperCrowd.* SuperCrowdHour, May 15, 2024, at 1:00 Eastern. Each month, we host a value-laden webinar for aspiring impact investors or social entrepreneurs. At this month's webinar, Bill Huston will share “Unleashing the Power of Crowdfunding for Affordable Housing.” Register here.* SuperCrowdChicago, June 12, 2024. This in-person event at Columbia College Chicago features some of Chicago's prominent citizens and community leaders, along with crowdfunding experts. Use the discount code “SuperCrowd” to save 30 percent!* Recently, we created an AI GPT to help you learn more about The Super Crowd, Inc., a public benefit corporation, and our upcoming events. Click here to try it.SuperCrowd Community Event Calendar* Successful Funding with Karl Dakin, Tuesdays at 10:00 AM ET * KingsCrowd's upcoming Demo Day, Thursday, May 16th at 12:00 am ET/9:00 am PT* Crowdfunding Professional Association Webinar, May 29, 2:00 PM ET* The Reg A & Crowdfunding Conference, June 20, Westchester Country Club (Save 20% with the code Super20)* Crowdfunding Professional Association, Summit in DC, October 22-23Click here to submit an event for us to share with the 4,500+ members of the SuperCrowd.We use AI to help us write compelling recaps of each episode. Get full access to Superpowers for Good at www.superpowers4good.com/subscribe

Send us a Text Message.On today's episode, we talk with Deborah Green. Deborah retired after 30 years of dispatching for both the Sacramento Police Department and the El Dorado County Sheriffs Office. Deborah was on duty the night of October 23, 2019 when she dispatched a call that no dispatcher ever wants to experience. The reports of "Shots Fired" and "Officer Down". We talk about her career and how that one night changed everything. Did you know that 9-1-1 dispatchers are currently not classified as first responders?Hard to believe, I know. At zero cost to American taxpayers, the 9-1-1 SAVES Act reclassifies 9-1-1 dispatchers as first responders and recognizes America's over 100,000 9-1-1 professionals for their work to save lives. Info on the 911 Cares Act below:https://www.congress.gov/bill/117th-congress/house-bill/2351&https://www.afscme.org/blog/911-saves-act-would-honor-dispatchers-give-them-access-to-additional-resourcesSupport the Show.

In this episode of the Inspired Money Live Stream Podcast, we take a fascinating journey through history's most significant economic downturns. Joined by guest experts Caleb Silver, Chris Wang, and Gary Brode, we discuss the complexities of financial crises and crucial lessons learned from the past. Episode Highlights: Exploring Economic History and Its Lessons "Financial Lessons from History: Insights from Economic Crises" served as a profound exploration of how past financial disasters have shaped the current economic strategies and investor behaviors. Our distinguished guests shared their insights, offering listeners a comprehensive view of the cyclical nature of markets and the importance of preparedness.

On today's episode Rich sits down with Savannah Arroyo “The Networth Nurse” - Entrepreneur, Real Estate Investor, Part-time Nurse, CEO & Founder of Networth Nurse, Author, and Coach. Savannah has worked as a Registered Nurse for over ten years, with extensive experience in leadership and healthcare administration. Through her personal brand, Networth Nurse, Savannah has helped hundreds of nurses with their finances. With an emphasis on education, Savannah leveraged her brand to purchase over $15M of real estate, partnering primarily with healthcare professionals to scale her portfolio. Eager to address financial literacy for the entire healthcare community, Savannah sought to expand her efforts by creating InvestHealth, a Financial Health Benefit for Healthcare Companies. Rich and Savannah start off by discussing meeting on Rich's old podcast and what Savannah has been doing since, investing in startups, being passionate about the healthcare community, what it was like working in healthcare during the COVID-19 pandemic, Savannah's work history as a nurse, Savannah's real estate portfolio, the current market rate environment, thinking long term, and where Savannah sees opportunity in Oregon.They then reflect on Savannah's search criteria for deals, seller financing and loan servicing, Savannah's startup - InvestHealth, financial literacy, paying off student loans, connecting Savannah's company to healthcare companies, in-person speaking events, and active vs passive investing.Lastly, they talk about the opportunity of investing with retirement funds, the opportunities of the tech space, the CARES Act, education and automation in real estate, withdrawing money from 401ks, Forex Trading, Savannah's real estate portfolio, what she's looking forward to in 2024, and celebrating financial freedom. Connect with Savannah on Instagram: @thenetworthnurseVisit BYLTBasics.com and use code “Somers20” at checkout for 20% on your next purchaseBook a free call with Prime Corporate Services to create a business strategy primecorporateservices.com/richsomers --Connect with Rich on Instagram: @rich_somersInterested in investing with Somers Capital? Visit www.somerscapital.com/invest to learn more. Interested in joining our Boutique Hotel Mastermind? Visit www.somerscapital.com/mastermind to book a free call. Interested in STR/Boutique Hotel Management? Visit www.excelsiorstays.com/management to book a free call.

“The State of Post-Pandemic Evictions: Where Are We Now?” – KSN landlord/tenant attorney Jessica Ryan discusses important legal updates impacting Illinois landlords and rental property managers. Topics include the CARES Act, Cook Counties Early Resolution Program (ERP), rental assistance, and more. (64 mins.)

Democracy stands as one of humanity's most treasured institutions, but what if the very foundation it's built upon is less solid than we believe? What is an epistocracy and how could it work better as a form of government?Jason Brennan is a professor at Georgetown University and the author of several books. His latest work is titled Against Democracy.Jason and Greg discuss how voting, often romanticized as the pinnacle of civic duty, hides a twisted web of irrational loyalties and tribal instincts that can lead us astray. Jason explains the historical context of political discord and the role of expertise in an era where trusted figures become polarizing symbols. They scrutinize the influence of political factions and social signaling, the curious ways in which political interests align across different cultures, and whether deliberation in democracy genuinely elevates decision-making or merely intensifies division. Jason concludes by revealing the hidden trials and tribulations of pursuing a PhD, and the emphasis on research productivity over teaching, the financial realities of academic life, and the necessity of guidance for non-academic careers.*unSILOed Podcast is produced by University FM.*Episode Quotes:Why don't voters admit their ignorance and defer to experts in policy matters?16:37: You're right that even in markets when we do a lot of delegation, however, we still have a kind of check on this, right? So, I know only the most basic plumbing. So if I have any big problem, I'm going to have to call the plumber in. But when the plumber leaves, I can tell if there's still a leak underneath the bathtub, right? It's like, well, the water is still dripping, so he must have done a bad job. I couldn't fix it myself, but I can check to see whether he fixed it. [17:09] We don't have that same ability when it comes to politics. If a person implements a policy, I put in the Cares Act; did that make things better? How would you know? How would you measure that? That takes expert ability, not just to sort of know what's happened in the past five years as a result of it, but to disentangle the effects of that policy from all the other confounding things. I mean, you and I see policy papers where people try to do this, and it's extremely difficult. So the average person doesn't know how to do that. They do, however, defer to experts in a way, but the experts they defer to are people like comedians on late-night TV who make fun of the other side.Politics as Social Signaling28:46: A lot of what we're doing with politics is this kind of signaling to one another: we're the right kind of person, we're good, we're virtuous, we're kind. Please like me, be my friend, etc. I think that's what's happening in politics. We're using our vote as a way of getting social benefits for ourselves.Why does Europe's political landscape look different?23:21: One of the reasons why I think political distances, or differences, are less pernicious in most of Europe than they are in the U.S. is partly because when you have proportional voting systems, you have more viable political parties. And as a result, it's like your neighbors are all going to be people at different parties. It's really hard for you to segregate yourself in terms of your work, where you live, whom you date, and whom you befriend, because there's just so much variation. So, you can't afford to make that the same kind of signal that you do in the U.S., we have a first-past-the-post voting system that predicts there's going to be two major parties, and I think we get this behavior as a result.In politics, you don't get the same kind of reward-punishment system that you get elsewhere15:42: When it comes to politics, there are only two major parties, and so you can afford and get rewarded for excluding a bunch of people and just playing along with your team. So I think the incentive structure of politics is worse than the incentive structure we have in most other aspects of our lives.Show Links:Recommended Resources:EpistocracyJeremy WaldronAlexis de TocquevilleVoltaireJean-Jacques RousseauThomas ChristianoJohn RawlsGuest Profile:Faculty Profile at Georgetown UniversityWikipedia PageProfile on PhilPeople.orgHis Work:Amazon Author PageBusiness Ethics for Better BehaviorAgainst Democracy: New PrefaceDemocracy: A Guided TourCracks in the Ivory Tower: The Moral Mess of Higher EducationGood Work If You Can Get It: How to Succeed in AcademiaPolitical Philosophy: An Introduction (Libertarianism.org Guides Book 1)Injustice for All: How Financial Incentives Corrupted and Can Fix the US Criminal Justice SystemLibertarianism: What Everyone Needs to Know?Why Not Capitalism?When All Else Fails: The Ethics of Resistance to State InjusticeWhy It's OK to Want to Be RichIn Defense of Openness: Why Global Freedom Is the Humane Solution to Global PovertyA Brief History of Liberty (Brief Histories of Philosophy Book 1)Compulsory Voting: For and AgainstGoogle Scholar Page

Today, experts Toby Mathis, Esq., and Elliot Thomas, Esq., explain valuable tax strategies for real estate investors, traders, and various income earners. You'll hear about the optimal tax classifications for short-term rentals, using retirement funds for real estate investment, and the transition from W-2 to 1099 income for tax benefits. Additionally, Eliot and Toby discuss maximizing deductions through trading partnerships, the benefits of Health Savings Accounts, vehicle write-offs, and home office deductions. Submit your tax question to taxtuesday@andersonadvisors. Highlights/Topics: Is short -term Airbnb and VRBO (short term rentals) under Schedule C or Schedule E? - if it's just bare oversight management, etc. That might put it on Schedule E. Schedule C is if you have more substantive activity you're putting into it. I was told I could use my company assets of 401k to loan money to buy real estate investment. Is that true? If so, how? - its true, one is allowed to take a loan out by law, if your plan allows for it. If you don't pay it back it becomes taxable income. How how can I position my child's college tuition as a business expense? - let's say your child's handling the bookkeeping for your corporation, and they're taking accounting classes, then you can deduct the classes related to what that child's already doing in the corporation. What percentage of gains do I need to pay tax on if I trade for it, if I trade forex and if I put money into a holding LLC? Can I minimize it? - often it's gonna be section 1256, and You get a treat 60% as a long-term capital gain, and the other 40% is gonna be short-term capital gains, which means you're at your ordinary tax bracket rates. How do I deduct expenses if I have a W2 and a 1099? - generally speaking, on a W-2, there's nothing you can deduct business-wise against. If you had expenses that you incurred in order to get your W-2 income, they took that section away with the Tax Cut and Jobs Act back in 17. I just started my small business of being a mortgage broker. I own a single family rental about an hour from my house. Can I take a tax deduction for mileage expenses if I use my vehicle for both businesses? What about taking deduction on one car for mortgage and take deductions on the other car for the rental property? - We're going to recommend your vehicles be titled in your personal name. Usually we're going to deduct that mileage. If I purchased a property to rent it and I have it as an Airbnb and I did a lot of work in 2023, can I claim all the expenses for 2023 tax year, even if the house was not rented at all in 2023 because of work is estimated to be complete in quarter one of 2024. - You can in 2024, but we can't go back to ‘23, when the expenses were incurred, because it wasn't placed in service yet. Can I make charitable contributions from my business LLC income and take it as a business tax deduction? Due to the standard deduction, I can't deduct them from my personal return. - If it's a C corporation, then the C corporation can deduct up to 10% of its net income. Used to be 25% during the CARES Act but they've moved it back to the traditional 10% of your net income Started regular 15-year depreciation for capital improvement of rental property in 2021, didn't know any better. I switched to bonus depreciation and claimed the remaining amount in 2023. Are any home improvement projects tax deductible? - At its base level, no. But if you happen to have a home office, and you have a C corporation or an S corporation, then any your home improvement projects, yes, they will be deductible in the sense that if it's directly related to the office Resources: Free Emergency Estate Planning Kit https://aba.link/nzj Tax and Asset Protection Events https://andersonadvisors.com/real-estate-asset-protection-workshop-training/?utm_source=aba&utm_medium=podcast&utm_content=how-to-report-income-from-a-short-term-rental-property Anderson Advisors https://andersonadvisors.com/ Toby Mathis YouTube https://www.youtube.com/@TobyMathis Toby Mathis TikTok https://www.tiktok.com/@tobymathisesq Clint Coons YouTube https://www.youtube.com/@ClintCoons  

This week's episode covers a proposed rule on salary-history bans and pay transparency for job applicants and employees of federal contractors and subcontractors, a claim relating to Section 3610 of the Coronavirus Aid, Relief, and Economic Security (CARES) Act, new requirements for U.S.-based Infrastructure as a Service providers, and recent updates to the 1260H List, and is hosted by Peter Eyre and Yuan Zhou. Crowell & Moring's "Fastest 5 Minutes" is a biweekly podcast that provides a brief summary of significant government contracts legal and regulatory developments that no government contracts lawyer or executive should be without.

Michael Faulkender is the Dean's Professor of Finance at Maryland Smith. He joined the University of Maryland in 2008 and was the Associate Dean of Master's Programs in 2017 and 2018. Dr. Faulkender left that role at the beginning of 2019 to serve as the Assistant Secretary for Economic Policy at the US Department of Treasury. In that role, he advised the Secretary on domestic and international issues that impacted the economy. During the COVID-19 pandemic, he assisted in negotiating the CARES Act and was the senior Treasury official who led the implementation of the Paycheck Protection Program (PPP). In January, he was awarded the Alexander Hamilton Award for Distinguished Leadership, the highest service award granted at the Department of the Treasury.His research lies at the intersection of financial economics and public policy. Examples include the job impacts of the PPP, corporate capital structure, risk management, corporate liquidity, and executive compensation. His work has been published in top academic finance journals, received numerous “best paper” awards, and has been cited in the Wall Street Journal, Washington Post, and The New York Times, among others.Professor Faulkender teaches classes in the MBA and EMBA programs at the Smith School. Professor Faulkender has a PhD in Finance from Northwestern and a Bachelor's Degree in Managerial Economics from UC Davis. He has also served as a faculty member at the Wharton School at the University of Pennsylvania, the Kellogg School at Northwestern University, and the Olin School at Washington University in St. Louis.Michael Faulkender PhD ~ Trump Administration Economist ~ Economic Plan Solves Momentous ProblemsOriginally Recorded on January 11, 2024Season 2, Episode 232Learn More at: GeneValentino.comImage(s) Courtesy of: Gene Valentino Join the Conversation: https://GeneValentino.com WMXI Facebook Page: https://www.facebook.com/NewsRadio981 More WMXI Interviews: https://genevalentino.com/wmxi-interviews/ More GrassRoots TruthCast Episodes: https://genevalentino.com/grassroots-truthcast-with-gene-valentino/ More Broadcasts with Gene as the Guest: https://genevalentino.com/america-beyond-the-noise/ More About Gene Valentino: https://genevalentino.com/about-gene-valentino/

Episode 154: Unlocking DPC's Legal Landscape: Dr. Phil Eskew Shares Expertise and TrendsIn this episode of the My DPC Story Podcast, Dr. Phil Eskew, a DPC physician, lawyer, and MBA, shares invaluable insights on the legal and regulatory aspects of Direct Primary Care (DPC). Dr. Eskew emphasizes the importance of clear patient agreements, discusses HIPAA compliance, HSA, and offers expert advice on DPC contracts and physician employment terms. He also provides key considerations for telemedicine models, state-specific regulations, and integrating clinical workflows. The episode delves into the significance of understanding the legalities of DPC and encourages listeners with legal questions to engage with the podcast. The episode offers a rich resource for DPC professionals, featuring discussions on legal, clinical, and administrative aspects of DPC, making it a must-listen for DPC physicians and those interested in the field.Join The Thrive Community Today: HERE Check out our DPC Swag Collections: HERESupport the showHave a DPC question?!? LEAVE US A VOICEMAIL HERE!Visit the DPC SWAG store HERE!Let's get SOCIAL! Follow My DPC Story! FACEBOOK * INSTAGRAM * LinkedIn * TWITTER * TIKTOK * YouTube

Steve discusses why the CARES Act of 2020 unleashed every economic and moral evil we're dealing with in 2023 and how it cost Donald Trump his re-election. Then, Bob Vander Plaats from the Family Leader joins the show to talk about a recent (attempted) hit piece from Reuters on his organization. In Hour Two, Steve goes into great detail on why he endorsed Ron DeSantis for president. Learn more about your ad choices. Visit megaphone.fm/adchoices

Mick Jagger, CrossFire Hurricane, And God Told Us So . . . Elvis Chan lies apparently under oath about the involvement of the FBI in the suppression of the Hunter Biden laptop story and a former FBI agent is expected to plead guilty for secretly working with a Russian oligarch. In this episode, join us to unpack the hypocrisy layered in both these events. We examine Ron Desantis' claims to be a futurist, but doubts persist about what plans he has to bring about this future; are these visionary enough? As he threads the needle concerning the election of Figurehead Biden, the American people still look for answers in an obviously sabotaged election.What does God's Word say? Matthew 24:4-254 Jesus answered: “Watch out that no one deceives you. 5 For many will come in my name, claiming, ‘I am the Messiah,' and will deceive many. 6 You will hear of wars and rumors of wars, but see to it that you are not alarmed. Such things must happen, but the end is still to come. 7 Nation will rise against nation, and kingdom against kingdom. There will be famines and earthquakes in various places. 8 All these are the beginning of birth pains.9 “Then you will be handed over to be persecuted and put to death, and you will be hated by all nations because of me. 10 At that time many will turn away from the faith and will betray and hate each other, 11 and many false prophets will appear and deceive many people. 12 Because of the increase of wickedness, the love of most will grow cold, 13 but the one who stands firm to the end will be saved. 14 And this gospel of the kingdom will be preached in the whole world as a testimony to all nations, and then the end will come.15 “So when you see standing in the holy place ‘the abomination that causes desolation,'[a] spoken of through the prophet Daniel—let the reader understand— 16 then let those who are in Judea flee to the mountains. 17 Let no one on the housetop go down to take anything out of the house. 18 Let no one in the field go back to get their cloak. 19 How dreadful it will be in those days for pregnant women and nursing mothers! 20 Pray that your flight will not take place in winter or on the Sabbath. 21 For then there will be great distress, unequaled from the beginning of the world until now—and never to be equaled again.22 “If those days had not been cut short, no one would survive, but for the sake of the elect those days will be shortened. 23 At that time if anyone says to you, ‘Look, here is the Messiah!' or, ‘There he is!' do not believe it. 24 For false messiahs and false prophets will appear and perform great signs and wonders to deceive, if possible, even the elect. 25 See, I have told you ahead of time.Episode Episode 1,010 Links:Happening Now: Former FBI agent Charles McGonigal is expected to plead guilty to working for a Russian Oligarch. This is the same agent who started the entire “Crossfire Hurricane” investigation into Trumps team when he sent an email about George Papadopoulos having dirt on Hillary!He played a crucial role into the investigation of Trump and the Special Counsel led by Robert Mueller. Now we're learning he worked secretly for a Russian the entire time. Is anyone surprised how corrupt our DOJ is? They always blame Trump for what they're actually doingFBI Special Agent Elvis Chan, who is responsible for colluding with Twitter & META to censor the Hunter laptop story, lied under oath about communications with Big Tech giants. The FBI is the biggest threat to democracy in America.DeSantis says if the 2024 election is a referendum on Jan. 6, 2021 or "what document was left by the toilet at Mar a Lago [...] We are going to lose."CNN, MSNBC, ABC, CBS, & NBC did not spend ONE second covering the heartbreaking testimony from Gold Star families who lost loved ones in Biden's horrific Afghanistan withdrawal. The legacy media is truly disgusting. Protecting Biden is their only goal. The Gold Star parents of Staff Sgt. Darin Taylor Hoover, who was killed during Biden's Afghanistan withdrawal, express their anger at the Biden administration. “The door was slammed shut on this investigation...We've had nothing for the last two years.” The US Post Office Supports The Democratic Party & Then Bags Stuffed With Valid, Completed Ballots Found In The California Santa Cruz MountainsCorroborated eyewitness testimony under penalty of perjury testifies: 130,000 - 280,000 completed ballots for the 2020 Presidential election were borrowed from the gracious State of New York by the battleground, the commonwealth of Pennsylvania.USPS whistleblower Jesse Morgan discusses how he drove his trailer in 2020, stuffed w ballots, from NY to PA, & then they disappeared. Pennsylvania Dems CHEATED!“Why did we have all those mail votes? Because of Trump turned the gov't over to Fauci, they embraced lockdowns. They did the CARES Act, which funded mail-in ballots across the country. Donald Trump signed that bill that funded the mail ballots” 4Patriots https://4patriots.com Protect your family with Food kits, solar generators and more at 4Patriots. Use code TODD for 10% off your first purchase. Alan's Soaps https://alanssoaps.com/TODD Use coupon code ‘TODD' to save an additional 10% off the bundle price. BiOptimizers https://magbreakthrough.com/todd Use promo code TODD for 10% off your order. Bonefrog https://bonefrog.us Enter promo code TODD at checkout to receive 10% off your subscription. Bulwark Capital http://KnowYourRiskRadio.com Find out how Bulwark Capital Actively Manages risk. Call 866-779-RISK or visit KnowYourRiskRadio.com Patriot Mobile https://patriotmobile.com/herman Get free activation today with offer code HERMAN. Visit or call 878-PATRIOT. RuffGreens https://ruffgreens.com/todd Get your FREE Jumpstart Trial Bag of Ruff Greens, simply cover shipping. Visit or call 877-MYDOG-64. SOTA Weight Loss https://sotaweightloss.com SOTA Weight Loss is, say it with me now, STATE OF THE ART! Sound of Freedom https://angel.com/freedom Join the two million and see Sound of Freedom in theaters July 4th. GreenHaven Interactive https://greenhaveninteractive.com Digital Marketing including search engine optimization and website design.

 Topics include: 1)Rep. Chip Roy (R-Tx) calls on House GOP to use pandemic reauthorization bill for Covid reckoning;2)Minneapolis cop who held crowd back when George Floyd died was sentenced to 5 yrs. Carl reacts;3)WATCH the video: Gold-star dad Darin Hoover, father of fallen hero Marine Staff Sgt. Darin Taylor Hoover calls out the Biden Administration for the botched Afghanistan surrender;4)Dems introduce a 1000% excise tax on sport rifles and large capacity magazines; 5)Americans beware. Chinese hackers infiltrated Japan's computer systems, and 6)Gov. DeSantis says in an interview that Trump helped fund the mass mail-in-ballots by signing the CARES Act and it was his FBI that squashed the Hunter Biden laptop story. More: www.TheCarljacksonshow.com Facebook: https://www.facebook.com/carljacksonradio Twitter: https://twitter.com/carljacksonshow Parler: https://parler.com/carljacksonshow http://www.TheCarlJacksonPodcast.comSee omnystudio.com/listener for privacy information.

“Bidenomics” is closely aligned with many—probably even most—of the middle-out economic principles that we discuss on this podcast every week. Much to our surprise and delight, Joe Biden has become the first President in 40 years to reject trickle-down economics in favor of building the economy from the middle out, and the results speak for themselves: Since the pandemic began, America has seen the strongest growth of any leading economy in the world. The economy has added 13 million jobs, inflation has fallen for 12 straight months, and a recession is no longer on the horizon. National Economic Council Deputy Director Bharat Ramamurti returns to the show to explain why Bidenomics has been so successful. Bharat Ramamurti is the Deputy Director of National Economic Council (NEC) for The White House. He previously served as a Member of the Congressional Oversight Commission for the CARES Act, and as the Managing Director of the Corporate Power program at the Roosevelt Institute.  Twitter: @BharatRamamurti Bidenomics is Working https://www.whitehouse.gov/briefing-room/statements-releases/2023/06/28/bidenomics-is-working-the-presidents-plan-grows-the-economy-from-the-middle-out-and-bottom-up-not-the-top-down  The Transformation at the Heart of Biden's Middle-Out Economic Agenda https://prospect.org/economy/2023-02-09-biden-middle-out-agenda  Website: http://pitchforkeconomics.com Twitter: @PitchforkEcon Instagram: @pitchforkeconomics Nick's twitter: @NickHanauer